BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It started with an account ending in XXXX. In XX/XX/XXXX, I received an alert that my Amazon Store card reached a balance over {$200.00}. I immediately checked my Amazon Store Card account online to find that several purchases were made in XX/XX/XXXX that I did not make. I then contacted Synchrony Bank to report credit card fraud on my account. I received a letter on XX/XX/XXXX regarding the credit card fraud and that my card ( XXXX ) was cancelled and a new card would be issued. On XX/XX/XXXX I received a letter that the balance at that time of {$170.00} has been transferred to the new card ending in XXXX. On XX/XX/XXXX, I received a letter from Synchrony that my fraud claim has been approved. 

In the letter of XX/XX/XXXX, it stated that my claim may take up to 60 days to be resolved. It is now XX/XX/XXXX, and I am still being harassed with telephone calls and letters that I am delinquent on my account. Also late fees and interest has been added. I have made numerous calls to the Synchrony 's Fraud Solutions Team ( XXXX ) since this problem arose in XX/XX/XXXX without any resolution.

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 2017-07-13
Company: Nelnet, Inc.
State: MN
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:
On XXXX XXXX, 2017, I contacted Nelnet about a concern I had in regards to how my monthly payments were being distributed. My Nelnet account was saying I was not covering all of the accrued interest on some of my loans. I wanted to increase the amount, so I would not only cover my interest but begin paying towards the principle of the loan. For several months I noticed that even though I was paying more than was " due '', the principle was never going down. I would try to make adjustments to each part of the loan so that the interest was paid, but each time the monthly sum was distributed differently amongst the sub-loans so that the interest would still be accruing. I was talking to a representative in regards to increasing my monthly payment, and I was told the amount would only come out once. It came out twice and I ended up in the " red '' at my local bank due to the misinformation. I feel like I always have to check my loan through them because there are so many unhelpful people telling me a different thing. On XX/XX/XXXX, I contacted the loan server again in regards to what had happened, and after being online with a different person for about a half hour they told me I would have to contact a person via telephone number and they could not help me. I am completely frustrated with this company and feel like there is no one on the same page. I would like to get some guidance as far as what to do to pay off my loans and handle them correctly, but I feel I ca n't get those answers from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: AES/PHEAA
State: AK
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 XXXX of 2017, as a result of having sent a voluntary Public Service Loan Forgiveness ( PSLF )  employment certification form, my federal student loans ( $ 100k+ ) were transferred to XXXX XXXX. It took several months to complete the transfer, resulting in several months of payments that I could not make and could not receive credit for qualifying payments under PSLF, all while accruing interest. Once XXXX XXXX had set up my account, they had set it up incorrectly, not giving me credit for 12 months of eligible payments toward PSLF. I spoke with a customer service agent who acknowledged the errors made in my account and assured me that it was a result of " rushing '' to get my account set up and that it would be corrected. Now, 6 months later, while I have had my monthly payments auto-debited every month, my qualifying payments toward eligibility for PSLF has not been corrected, and has not been accruing as these payments are made. For 60 days I have been trying to reach a customer service agency at XXXX XXXX to no avail, when I call there is an automatic message saying to call back another time, their online chat feature is unavailable, and I have received no response to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
There are accounts that aren't mine on my credit report by XXXX XXXX on two of them

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
Consumer complaint received 2019-10-04
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:
victim of id theft these are the accounts that are not mine XXXX XXXX balance XXXX opened XXXX, XXXX XXXX XXXX balance XXXX opened XXXX XXXX XXXX/XXXX XXXX balance XXXX opened XXXX XXXX XXXX XXXX  XXXX  balance XXXX opened XXXX XXXX XXXX XXXX XXXX  XXXX balance XXXX opened XXXX XXXX XXXX XXXX a balance XXXX opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: TX
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:
XXXX acct number XXXX has reported that I owe them {$790.00}. I dont know of any debt that is owed from me. I have never been extended any credit with them. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are accounts that aren't mine on my credit report by XXXX XXXX on two of them

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 2019-10-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
wells fargo bank has charged me several insufficient fees for unauthorized transactions, that wells fargo has not even paid.

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 2017-07-13
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I was trying to get a cash advance against my Sam 's Club MasterCard ( issued by Synchrony Bank ). My last statement shows that I have a, " Cash Advance/Quick Cash Limit '', of {$2000.00}. It also says I have, " Available Cash '', of {$2000.00}. <P/>I wanted to take a cash advance of {$1800.00}, and went to a brick and mortar credit union to get this cash advance. At first my card was declined, but that was because of me not answering a mailing from them, as I am out of state from my permanent location. I get that straightened out, and the CSR tells me that I can only get {$200.00} per day, not any amount up to my limit. <P/>Later, I get on the website for the Sam 's Club MasterCard, and use the chat forum. They tell me the same thing. I then ask if I could get a copy of the cardholder agreement. Or if there 's somewhere online that I can look at it. I find out that there 's nothing online, not even when signed in to my " https : '' online account page. I also find out that they can only mail ( snail-mail/USPS ) a copy of the cardholder agreement, and that I should receive it within 30 days. <P/>This does me absolutely no good. Currently, I 'm roughly XXXX miles away from my mailing address, wo n't be back by it for a couple of weeks, and then only for a few days ; I also ca n't read my agreement online. How am I supposed to verify what they are telling me is correct? I 'm especially upset because of the way it 's worded on my statement as, " Cash Advance/QUICK CASH LIMIT '' ( capitalization except for first letter, mine - for emphasis ). <P/>Do I have any recourse except to wait 30 days to get a copy of my cardholder agreement? I have attached a transcript of the chat session I had with the online CSR ( along with a copy of the chat window, showing both the beginning and the ending of the conversation. <P/>I did post an email address in the attached document with my " Chat '' transcript that you might want to remove before publishing.

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 2017-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX, acct number XXXX shows that I owe them {$840.00}. I dont know who this company is and have never done business with them please remove

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 2022-02-10
Company: PNC Bank N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/XXXX {$90.00} on XX/XX/XXXX {$78.00}, {$130.00}, {$140.00}. I called the bank and reported these unauthorized charges, the bank refunded the money to the checking account and am waiting for a new debit card in the mail. also bank has a fraud claim on these charges. today XX/XX/XXXX I checked my account by phone and now there are XXXX more unauthorized charges done on XX/XX/XXXX for XXXX and {$300.00} from XXXX  XXXX bank, so once again I contacted my bank and had to file another fraudulent claim. so now I was advised to make a stop payment on future charges but now I wonder if that will be for all my charges. the bank thats making these automatic payments is the pnc bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, XXXX ) claim they can not remove an unauthorized inquiry from my account.

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
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 referenced accounts have been reporting on my consumer credit file in error 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 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
IM VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX, AND XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Receivables Performance Management, LLC
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: Account information incorrect

Complaint:
XXXX, XXXX AND RECEIVABLES PERFORMANCE SHOWS A COLLECTION FOR XXXX XXXX THIS IS A FRAUD ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has yet again locked me out of my account for reasons unbeknownst to me. I hadn't attempted to access the site in about 4 months or so. However, my email remains the same and my password should have too. I attempted to access my account today to view my credit report and credit score and was not able to get access the site due to my password not being accepted. When trying to access I was instructed to contact Equifax. I did so, the representative sent me 2 reset links via my email address and neither of the links worked. My issue was then escalated and now I have to wait 3-5 days for help to get access to my account. I was given a ticket number # XXXX. 

I am inclined to believe someone in Equifax tampers with my account purposely and creates situations such as - difficulty accessing my account. Why would my password not work. The rep mentioned nothing about a system outage or malfunction. So what is the reasoning for this. I don't access my account every day, but when I do I'd like to be able to with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2017-07-14
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??

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 2017-07-14
Company: The CMI Group, Inc.
State: MA
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 contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: TX
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 made a complaint to Experian about a hard inquiry by the name of XXXX XXXX XXXX XXXX XXXX I do not recognize this and certainly did not give them the ok to do a inquiry for my file. I never did business with them or a application. This is Identity theft and Experian never confirmed the inquiry with me.

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