BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, I paid double the minimum payment for the month of XXXX. The due date is the XXXX of each month, so I paid nearly two weeks in advance. Somehow, XXXX XXXX XXXX   takes longer than any other credit card I have. Because of their lengthy amount of time to accept my payment, which I choose the day of in which I log in and make the payment, I get charged late fees and my checking account ( XXXX XXXX  ) that I pay for the XXXX XXXX XXXX  fee is getting multiple insufficient funds charges because XXXX keeps trying to pull the money TWO WEEKS after I paid ( earlier than the due date )! 1. How am I being charged a late fee when I paid nearly two weeks early? 2.  When I called customer service, the representative could not help me and her only advice was to manage my finances better ( hence why I pay near the beginning of each month to AVOID late fees and issues on the due date ( XXXX of each month ). Because of the payment not being processed, XXXX CLOSED my credit card and now my credit is going to absolutely plummet. I called customer service on XX/XX/XXXX, and I paid my bill on XX/XX/XXXX for my due date of XX/XX/XXXX of this year. That shows how long and ridiculous XXXX takes to process payments. I always try to pay more than double the minimum payment, so this whole situation is very upsetting to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX was reported 30 day late XX/XX/2019 was reported incorrectly.

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 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Online bank simple was the original holder of my account. Today, SIMPLE was transferred to XXXX. However, XXXX has since locked me out of my own account on their mobile app, claiming to not recognize my login. 

I needed to report a missing debit card as my wallet was lost this weekend but now have no access to my account number XXXX SIMPLE has completely shut down their app ) or debit number ( lost/stolen ). XXXX All account information, including log ins, were supposed to be the same. ) They have also disrupted the transfer experience by having their customer service agents hang up on simple users who use the dial service for help specifically with their simple account. 

Adding insult, they are specifically stating they can not hear when we start to initiate conversation. They are also now blocking all similar complaints of this mishandling on XXXX so no one can find this information. I no longer have access to my money, customer service, or to their mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
TRANSUNION HAS CLOSED MY DISPUTE AND NEVER INVESTIGATED MY DISPUTE TRANSUNION INVESTIGATION RESULTS FOR XXXX XXXX XXXX OPEN DATE XX/XX/XXXX IS NOT THE ACCOUNT THAT I DISPUTED THE ACCOUNT THAT IS BEING DISPUTED IS CHASE AUTO ACCOUNT ( ... XXXX ) WITH THE OPEN DATE OF XXXX XXXX AND WAS CLOSED XXXX XXXX THIS IS WHAT MY DISPUTE ON XX/XX/XXXX I PAYED OFF MY AUTO LOAN AS AGREED THIS WAS A 72 MOUTH AUTO LOAN AND I HAVE CALLED TRANSUNION CREDIT BUREAU AND ASKED WHY HAS MY CREDIT SCORE DECREASED FROM XXXX TO XXXX THAT IS XXXX POINTS AND THIS WAS DONE BECAUSE I HAVE PAID IN FULL AS AGREE MY LAST PAYMENT FOR THIS ACCOUNT WAS ON XX/XX/XXXX NEVER HAD A PROBLEM WITH THE CREDITOR ALL PAYMENTS HAVE BEEN ON TIME, NEVER LATE FOR SOME REASON I AM BEING PENALIZED FOR PAYING AS AGREE THIS IS VERY UNFAIR I SHOULD HAVE HAD AN INCREASE AND NOT A DECREASE PAYING OFF ANY LOAN SHOULD ALWAYS BE A POSITIVE ON MY CREDIT SCORE AND NOT A NEGATIVE CREDIT SCORE I DO NOT UNDERSTAND WHY WAS MY DISPUTE NOT INVESTGATTION AND CLOSED BY TRANSUNION

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 2018-06-25
Company: Navient Solutions, LLC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
I have an identity theft problem with 2 accounts on credit report from Navient. Policy and IDTheft.gov docs plus other docs submitted in XX/XX/2016. 10 investigations have been opened and closed by XXXX. Other 2 agencies took off report but not XXXX. Now they want new police reports, etc. I am hearing impaired and have been given bad number to dial, told to get a lawyer so my wife can have power of attorney, etc. Now Navient is suing and they haven't provided documents either to me. I have a lawyer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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:
XXXX XXXX XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX. Inaccurate address, inaccurate accounts, unauthorized inquiries. 
A : ERRORS INACCURATE ACCOUNTS 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX B : UNAUTHORIZED INQUIRIES 1. XXXX 2. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-17
Company: General Motors Financial Company, Inc.
State: NH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear CFPB, In XXXX of 2021 I called GM finance and informed them because of covid I would be out of work for a few months. I informed GM for covid forbearance for my truck payment. And they informed me that there would not be late payments until I reached out again. During this time I was seriously struggling to feed my family because of a job layoff.

I would like GM finance to honor their word that they gave me. Their lack of action make me feel taken advantage of by GM finance as I have recently gotten out of the XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MD
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:
I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank is spitefully closing my credit cards due to a complaint I recently filed against them. Now, I can not log in and pay my bills. This act of aggression hidden behind their so called terms, which my credit it the same as when I received the cards, is an attempt to hurt my credit rating and good standing. For someone to do this in a time of crisis is unethical and childish.

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 2018-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018 I called Bank of America to pay off and close my credit card account. I payed over the phone using a checking account from another bank. I paid Bank of America my total balance of {$5000.00}. I asked to have the account closed, and asked the person I was speaking with 3 times if this would then conclude my business with Bank of America. The person I was speaking with advised me that even though the account was closed if I had any recurring charges ( ie XXXX account ect. ) there was " a chance '' ( her words ) that those charges would post to the account and I would be responsible for them. Because I don't have any recurring billing accounts linked to this credit card account, I said " ok '' and assumed that was that. 

Yesterday XX/XX/2018 I received a bill from Bank of America for {$27.00}. I called Bank of America using the phone number at the bottom of the bill ( which turned out to be customer service for checking accounts ) and eventually spoke to a person that told me that the {$27.00} was interest accrued after I closed the account. Because there where days remaining on the XX/XX/2018 billing cycle after the day I paid off my account and closed it, I was still charged interest on the closed account. 

I believe that Bank of America is purposefully murky and misleading as to their practices involving personal credit cards ( as further illustrated by listing the wrong departments customer service phone number on a credit card bill ). I believe that I should not be held responsible for the interest accrued after I closed my account, and that the bank is smart enough to prorate the remains days of interest when a customer attempts to close their account on a day that does not coincide with the start or end of a billing cycle. Even though it's only {$27.00}, I am outraged that the bank has seen fit to charge me XXXX cent after paying off my account completely.

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 2019-07-14
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX is reporting failed to pay on a closed account on my Experian. The account has been closed since 2013, and its reported as a negative item now. As if I made a late payment yesterday. It a closed account and closed account should not show open balances. XXXX and XXXX are reporting it properly.

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 2021-08-17
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citibank failed to protect my nonpublic information from non affiliated third party, they sold my nonpublic information to a debt collector ( XXXX XXXX ) who has been threatening/ harassing and gained unauthorized use to my records of information which resulted in substantial harm and inconvenience to me as a consumer. pursuant to 15 usc 6802 ( e ) ( 7 ) shall not prohibit the disclosure of nonpublic personal information in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of nonpublic personal information concerns of the consumers

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 2020-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
The installment loan that was made was fraud

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 2018-06-08
Company: Nelnet, Inc.
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I received phone call from debit collectors saying that Nelnet had sold my student loans to them to collect.. I explained I dont have any they said ya u do in default.. how could that be I asked because u didnt pay them we been trying for three years how u want to pay debt credit.. I thought it was a scam.. I thought they had been forgiven by XXXX and dept of Ed in XX/XX/XXXX I said I got letter from dept of ed saying it was taken care of they Nelnet said dont work that way we decide what happens to u loans same things nervent said how can they send things that say XXXX balance and than demand it back Im so confused Nelnet says send a note to our email saying u have no taxable income I did hope they dont start taking money from my XXXX  like XXXX did without even notifying me.. as they say they can do anything they want.. seems pretty unlawful and unethical .. nervent keep having me put it in forbearance.. I dont have over the XXXX thats considered low income .. I feel they do this because Im a widow, poor and a XXXX female.. and XXXX years old .. and they only look to line there pockets.. they give no chance and offer any of options to work to have it paid.. they just hurt people..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
I have a car loan with Ally financial and they have not been reporting to my credit report every 30 days I have called about this numerous times. I called Ally on XX/XX/XXXX and they stated over a recorded line that my payment statement had been sent to all 3 credit bureaus on XX/XX/XXXX and it would post in 3 to 4 business days. My car payment has not been posted to the credit reporting agencies since XX/XX/XXXX which cause inaccuracies on my credit report in which is a direct violation of the FCRA in which my car payments should be reported to all 3 credit bureaus every 30 days. Because of this it has cause a 30 day late. With XXXX  30 day late on XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX  30 day late XX/XX/XXXX, XX/XX/XXXX all of these dates are inaccurate and I request that these late entries be removed and my most recent payment billing statement be reported to all 3 credit bureaus.

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 2021-08-18
Company: Skrill USA, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Good morning, I'm a XXXX male citizen. I'm having problems with verifying my documents. I chose united States when I was that side yet I'm still having challenges. Could please me verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: TN
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: Their investigation did not fix an error on your report

Complaint:
The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, XXXX, and XXXX  credit reports. Please delete immediately. 

The Account : XXXX 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXDOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief