BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-29
Company: SYNCHRONY FINANCIAL
State: CA
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:
Theres an unknown credit agency by the name of SYNCB National Credit Cards/ Airlines , reporting to my XXXX XXXX account on XXXX  XXXX. Theres no amount shown but its making hard inquiries, one that dates XX/XX/XXXX and the other on XX/XX/XXXX that are negatively affecting my credit.

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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX kept the Postal Money order tendered for Accord and Satisfaction of the Account ending in # XXXX. Postal Money Order # XXXX sent via Certified Mail # 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 2020-11-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, I agreed with a business named XXXX XXXX to install windows in my home. XXXX XXXX had a promotion that was 18 months no interest and the financing was done through Syncrony Bank. We applied and were approved and scheduled to have the windows installed in 6 weeks. It has been 5+ months at this point and the company has only partially installed the windows. We have been billed by Syncrony to make payments on products that we have not received. We contacted Syncrony and they are still forcing us to pay for services and products that their client did not provide. I feel like we are being rail roaded. Its not fair for us to have to pay a bank for services not provided by their client. Please help. 

Thank you, 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 monetary relief
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells and its vendor charged some customers for unnecessary insurance even though these customers had provided Wells Fargos dealer-partners information about their existing insurance. Wells Fargo has agreed to provide remediation of more than {$380.00} XXXX to approximately XXXX auto finance customers. The remediation will include payments to over XXXX customers whose cars were repossessed, and for whom the unnecessary CPI charges could have led to the repossessions. The CFPB and OCC are working to ensure that the auto finance customers are fully remediated by Wells Fargo. 

Wells Will Pay Auto Financ This is part of the agreement wells fargo made with the states they put cpi onmy truck and it made my payment way to much for the income I get from XXXX. I had full coverage on the truck and they never even asked me if i did. They are trying to settle on XX/XX/2020 for XXXX and then XXXX it is my fault I am so sick of dealing with these people I want outside arbitration. I have asked 5 times.

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 2020-09-09
Company: Supreme Lending
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
There was intentional fraud/misrepresentation on the closing documents committed by Supreme Lending ( rep - XXXX XXXX ) and the closing attorney, XXXX XXXX XXXX XXXX  as they knowingly presented me as a single man on the security deed when they knew I was married in order to get the deal closed therefore there is a breach of contract and it is unenforceable and needs to be canceled. 
I had previously informed the lender on several occasions that I was married and on XX/XX/XXXX I sent an email specifically mentioning my wife to which the lender, XXXX XXXX responded on XX/XX/XXXX that my wife will be on title. However at closing on the security deed I was listed by the lender as single and my wife was not present on the warranty deed. Therefore the contract is null and void as there was intentional fraud/misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
the collection is showing on my credit as collection practice when it was charged off, they put it on 12 collections and a write off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Net Credit has violated Virginia 's Consumer Protection Law. The usury cap of 12 % applies to all consumer loans except for those made by licensed financed companies. Net Credit is not licensed in Virginia. The interest rate is set at 98 %. My loan was {$4400.00}. I have paid out {$6500.00} to this company. This company is still practicing lending in the state of Virginia, although it is illegal. This company has been emailing me every single day to continue making payments. They are preying on people who need help during desperate times and they need to be shut down. 

The company has reported late payments on my account since XX/XX/2020. I informed them that I had to take a leave of absence due to virtual learning for my children. They stated in an email that they would decrease my loan by 10 % if I set up a payment arrangement, but would not remove late payments that are damaging my credit. 

They want me to pay a remaining balance of {$2000.00} I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: LA
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:
Equifax XXXX and XXXX are reporting late payments from aafes on my credit report US code 1681a-1 forbids anyone reporting anything personal to a transaction in a report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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:
I am a 100 % XXXX XXXX. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/2013. 

During the administrative work with SSA and US Dept. of Education and XXXX to process my XXXX discharge the loans were placed in late payment status. XXXX sent me a letter to correct this with all 3 credit bureaus. 

I submitted the letter from XXXX to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with 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 2019-02-28
Company: Experian Information Solutions Inc.
State: CA
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:
WRONG CHARGE-OFF DATE on XXXX XXXX account # XXXX i ask them to do a verification on this account and they send me a letter saying its been verify and updated, and i request a method of verification to provide me with original documentation with balances and the date that became a charge off with proof, they have fail to provide me with any documentation, so if it can not be verify it has do be DELETED

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 2023-02-28
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX ( XXXX XXXX ) ACCT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My sons student loans ( of which I am the co-signer ) were taken over by Navient. His payments have been sporadic but he always ends up making a payment. Over the last 2 to 3 years I have personally received numerous phone calls, statements from Navient saying the account is overdue and letters threatening to send the account to a collection agency. 
I personally have contacted Navient to request that the phone calls stop, I have made payments to bring the accounts up-to-date. Most recently, I found out that Navient had faxed my employer asking for information, and called my sister trying to get information. 
At the beginning of XXXX, I called Navient and negociated a pay off amount. That amount was paid in full on XX/XX/XXXX. Since that time I have received two statements from Navient saying there was a balance and they also called my brothers house within the last week to request information about me. 
At this time I am seriously considering filing a lawsuit for harassment against Navient. The account is paid in full, why are they still harassing me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: CA
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 sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and Experian. The three credit bureau continued to report this Unverified Account.

At the same time I sent 4 dispute letters to XXXX XXXX XXXX which the first 3 letter were sent certified. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter stated We have completed our investigation of your dispute concerning this account and included a copy of a billing statement. XXXX XXXX XXXX continued to report this Unverified Account. They failed to validate the account and provide me with any contract or agreement that I signed.All they have sent is letter saying this a valid debt and a billing statement. 

XXXX XXXX XXXX, XXXX XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 

Experian, XXXX and XXXX has NOT provided me with who verified these accounts? 

a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified.

Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws. 

All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated.

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 2022-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was supposed to receive {$300.00} for depositing {$200.00} a month for 3 months. I met the promotional terms but th the {$300.00} was never credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-28
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies. I contacted the agencies and they both stated that the accounts were opened in 2013. I have not heard from these agencies via telephone, mail or email. I have not been given an opportunity to dispute or confirm before they are added to my credit report as a collections. I have no recollection of opening these accounts but did move around this time and closed a bank account due to questionable activity after losing a checkbook. I have filed a police report in my city and reported the incident to my bank. But this was several years ago and I no longer bank with them. Both XXXX XXXX XXXX and CASHNET USA have placed collections on my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CITIBANK, N.A.
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:
XXXX has been non-compliant with removing the unverified account BESTBUY/CBNA Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BESTBUY/CBNA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-03-07
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I  have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 To whom it XXXX concern : I would like to file a complaint against two collection companies, XXXX XXXX XXXX, as well as Bureaus Investment Group. 

I received a letter today from this XXXX XXXX XXXX, in which they are claiming that I owe a collection debt from XXXX XXXX XX/XX/XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XX/XX/XXXX any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation.

As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was denied for an apartment today due to a debt owed to XXXX XXXX. I reached out to Hunter Warfield in an attempt to resolve the debt owed and was treated with disrespect as well as unprofessionalism. I spoke with a woman who was quick to speak slow to listen. She then transferred me to her Manager XXXX XXXX who was confrontational, argumentative, disrespectful and unprofessional to say the least. I explained to them both I was willing to pay {$600.00} on a debt that is about to reach statute of limitations. They offered {$1100.00} I countered with {$800.00}. Just seems to me they aren't willing to negotiate with you to resolve the case due to their kickbacks for collecting the debt. XXXX overly aggressive with his tone even after I asked if he could please lower his voice and adjust his tone. This debt has haunted me for almost 5 years and doesn't show anywhere on my credit reports however whenever I apply for housing this is the reason I am denied. I am a single mom with three kids trying to do the right thing on a debt that has shared responsibility with another person however I am the only person being penalized.

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