BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXXa valid debt was charged off from XXXX XXXX XXXXXXXX/Paypal XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XX/XX/XXXX. I received a settlement letter on XX/XX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. When I called XXXX on XX/XX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call XXXX XXXX XXXX XXXX ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to XXXX on XX/XX/XXXX and explained the situation. They told me to call XXXX XXXX XXXX ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX XXXXXXXX, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or XXXX handling this account and that I should work through XXXX hold ( XXXX ), a company I 've never received anything from. 

I have called XXXX hold and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX , XXXX, XXXX, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid two years ago and I 'm being scammed in an endless loop of calling other scammy businesses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX  and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been calling for over a year and a 1/2 because I am temporarily totally XXXX I have been asking them for help being that I have no income and no money because I am unable to work due to doctor 's orders for my injuries they laughed at me told me to get my stuff together and go to work they told me that being XXXX is a joke and that I need to get over it so they are discriminating against me for being XXXX they have been harassing me calling me from automated systems when I have repeatedly in the past told them that they are not allowed to call me from automated dialers when they have asked me multiple times I have called him crying and asking for help and they pretty much told me they 're gon na get an attorney to send me to a collection agency I do n't know what to do and they will not help me The school I attended will be closing the coming year of 2018 anyway so maybe there 's some sort of way that can help me as well as I was told by some people that that would help because I did n't not graduate from the school and they are closing I do n't know I just need some sort of help I am hurt I am unable to work I have no money and I 'm being harassed by their automated systems and made fun of for being hurt by their employees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received epeated callsto my cell phone number at all times during the day stating that we are owing money. We have checked and we are not behind in payment nor does our credit report such activity. It is a different voice but same phone number. I am leary of speaking with them for fear that they will spam or phish us. I checked the phone number online and found that this is a company on the east coast that has been reported to conduct such activities in the past. It is costing me in minutes on my cell phone plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Date Reported : XXXX  XXXX, XXXX Collection Agency XXXX XXXX XXXX XXXX Balance Date XXXX  XXXX, XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$77.00} Creditor Classification Medical or Health Care Amount {$77.00} Last Payment Date Status Date XXXX  XXXX, XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Medical Contact XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I purchased my vehicle at the end of my lease. Instead of making the last payment, I called Toyota Financial and requested the buyout package. At that time, the last payment was included in the payoff amount provided by Toyota Financial and late fees were waived. My payoff was processed by Toyota Financial, yet they still submitted my final months late payment to the credit bureaus. I called Toyota and they explanation was insufficient and inaccurate. The amount they had me as late was 2 months, as they said I was late even after having received the full payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Take note that XXXX ( Original Creditor : XXXX XXXX  ) XXXX is not my collection. I do not owe this company, collection agency never contacted me to discuss about this alleged account. I did not sign up for an account with XXXX I do not have an acknowledgement with the original creditor, I did not sign up for an account with XXXX, Remove XXXX ( Original Creditor : XXXX XXXX  ) XXXX from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to  five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 223 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I applied for and was approved for a hardship program with CHASE Mortgage. The program included a 3-month trial period schedule for XXXX through XXXX of XXXX, all payments were paid timely in accordance with the modification contract satisfactorily. Recently, after requesting a copy of my consumer credit report, Chase has attached special comments, " Loan modified under a federal government plan. '' XXXX XXXX XXXX ] XXXX XXXX XX/XX/XXXX ]. I called Chase Mortgage Modification division on XX/XX/XXXX and spoke to XXXX in the research department, she confirmed the comments are valid and has no date stamp and will continue to report until the loan the same : unless : 1. current loan paid in full 2XXXX balloon payment in full The problem is I completed the trial period and all payments sucessfully by XX/XX/XXXX as contained in the agreement and seven years later it remains a permanent part of my consumer report. These comments are hurting my ability to obtain credit and requires removal. Recently, two disputes has been filed with XXXX and results in continued incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed a dispute letter to Equifax on XX/XX/2022 and to this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports. The consumer reporting agencies are not complying with their own policies in a timely manner. I demand the accounts in question be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Smith, Cohen & Rosenberg LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my XXXX credit bureau after it was already investigated and removed. XXXX is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The KHOLS has been updating my account in my 3 credit reports with false information to destroy my credit. I've been contacting them disputing and they don't resolve the issue in hand. All they do is update the report with more false information. I also stated to them that the statue of limitation is over on this account since a last payment was made dated XX/XX/2013 XX/XX/2013. That account must be deleted off 3 credit bureaus they are reporting to and all they do is update the report with false remarks. I also send a letter regarding this issue and no action was taken on there behalf. There are validating my rights under the Fair Debt Collection Practices Act. In the event this issue is not resolved. I will find it necessary to sue KHOLS actual damages and declaratory relief under the FCRA. According to this regulation, I may sue KHOLS in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution on this matter. 

Attached is proof of all false remarks statement done on my credit report and and proof of last payment made datedXXXX XX/XX/2013 which the statue of limitation is over on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: AES/PHEAA
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For at least a year, synchrony XXXX XXXX has been add " insurance fees '' monthly ranging from XXXX bucks that I never approved. It's card insurance. I reached out but that department is off line and unreachable for a month per rep. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
You are absolutely correct it is a repeat of a previous problem. The reason it is a repeat is because you never answered my question. My question is why did you report me delinquent on a mortgage with XXXX XXXX when I was never delinquent and you never received such a report from anyone or anybody or XXXX XXXX. So answer my question why did you show me delinquent?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ACS Education Services
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've repeatedly asked ACS Student Loans for copies of my payments and payment history when the company was being sold. I believe they over charged me interest and mislead me with payment options. I was trying to collect the information and while it was easily obtainable on the site as soon as they sold my loan to XXXX XXXX, the information was no longer available and I was unable to collect any of it. I've been paying on this loan for over ten years and now it's bounced from ACS to XXXX XXXX, to XXXX while not transferring my payment history. The amount of money I've sent to these companies in return for poor customer service and now getting my loan bounced around is embarrassing. Additionally I'm now ineligible for zero interest through the CARES Act. I need access to my past payment history and all interest charges to date.

Company response to consumer: Closed with explanation