BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2022, I made an early payment to my credit-card company in the amount of {$10000.00}. ( Payment was due XX/XX/2022. ) This was a bank-based payment, drawn on my regular bank. My account has never been late. Instead of crediting this payment within 48 hours, as has been the company 's usual practice, the company had not credited the payment to my account as of XX/XX/XXXX, five days after the payment was made. The money had been debited from my bank. As a result, my credit card was over its limit, and charges were being declined. I called the company to inquire and complain, and was told that, due to the high amount of the XX/XX/2022 payment, the company would not be posting my payment until XX/XX/XXXX -- EIGHT DAYS AFTER I MADE THE PAYMENT. This was bad enough. 

However, it turns out that the representative who assured me that the payment I made would be posted " on XX/XX/XXXX '' was a XXXX XXXX XXXX The payment was not posted on the XXXX. I checked the credit card 's website, only to see that my account remained " over the limit. '' I called the company again on XX/XX/2022, only to be told by a second Customer Service Rep that by " XX/XX/XXXX '' they actually meant " XXXX '' of XX/XX/XXXX. NO! XXXX  of a given date is not that date!! It is the NEXT DAY! XXXX  ( or even, for all intents and purposes, XXXX XXXX  ) of XX/XX/XXXX is ACTUALLY XXXXXXXX XXXX I then spoke with a Supervisor, who looked over details of my prior contact with the company and acknowledged that I had, indeed, been promised that funds would be available on the XXXX. This Supervisor also acknowledged that a " reasonable person '' would NOT take " XX/XX/XXXX '' to mean " midnight '' on XX/XX/XXXX. Furthermore, the Supervisor actually acknowledged that the credit card company HAS HAD POSSESSION OF MY FUNDS since XX/XX/XXXX. 

This is fraud, or certainly borderline fraud, and it is also mis-use of my money. 

The credit-card company refused, point-blank and repeatedly, to credit my account, even on XX/XX/2022, with the funds I have paid. They refused to increase my credit limit, so that I could make charges ( including automatic charges ). 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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit 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 2021-03-04
Company: AES/PHEAA
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2020 l made contact with Oportun to make a affordable payments arrangements on my loan. 
I explained Oportun rep over the phone that l have a XXXX XXXX XXXX and requesting a payment of {$70.00} @ month affordable payments until loan is paid in full. 
The interest rate on loan is over 24 %. 
I am respectfully XXXX Lifetime, and Retired and a US XXXX XXXX XXXX. 

Oportun stated that l was going to be place on collection and reporting derogatory remarks on my XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX credit reports. 

Oportun wants to put me in collection of {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I called Capital One to see if they have a valued customer credit for the annual fee since we are in the holiday season. The representative advised that there is nothing available. Several years ago I had an issue with the annual fee with one of my other Capital One cards and a supervisor advised that they can switch my card to a Quick Silver card in which it does not have an annual fee. I am wondering why this associate could not suggest another Capital One card that does not have an annual fee. I asked if there was another card that Capital One can offer which does not carry the late fee. The associate finally did provide a solution to transition into Venture One card which does not carry an annual fee. This was done however In feel that Capital One should adjust this annual fee since I have been a loyal customer for many years and I have many accounts with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: VA
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 accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.

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 2022-01-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

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 2022-01-25
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY REPORT AND THIS AUTO LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions 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: 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 Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$0.00}

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 2022-01-25
Company: Experian Information Solutions Inc.
State: PA
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:
I have reviewed my consumer reports and still find inquires that I did not give Experian written consent to furnish which would be identity theft. I have made this complaint multiple 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 2019-01-08
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have contacted XXXX XXXX XXXX on several occasions explaining what happened with this account & that XXXX  XXXX XXXX has already deleted this information but they continue to report it. It has been well over the time to have this account removed but they continuously report it & is preventing me from opening a checking account which is hurting my family. My son is XXXX and I need an account to make sure his money is secure, I have to prove that the money is going into an account for him but I can't because I am not able to open a checking account. My son may lose his benefits due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: WELLS FARGO & COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and 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 2022-12-10
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}

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 2023-10-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-12-10
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued by XXXX XXXX XXXX, and they didn't properly serve me with personal service in accordance with XXXX XXXX. A default judgement was obtained without me being proper service, and a XXXX was issued against me and my property. I was sued in 2015, and a XXXX has been filed against me every since then. I haven't been able to live fully because this debt has stopped me from obtaining credit on several occassion. They provided the court with a document that stated I had been served. However, they didn't file the proof of service from the XXXX or another process server.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I was charge a ridiculous fee for cashing a check written out to me. This is exploit the poor. I am not in the position to give away money for taking a check for work.

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 2022-12-10
Company: EQUIFAX, 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:
This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX : {$5400.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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
Consumer complaint received 2022-01-25
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I need help saving my home from bogus fees, and cost being billed to me monthly by my lender FAY. 
About six months ago I applied for a loan modification ( however, on XX/XX/XXXX I declined offer extended XX/XX/XXXX for {$770.00}. The outcome would have made my payment higher so I declined and continued making my mortgage payments. I was not late when i applied and have not been late since I applied. 
My mortgage statement is currently showing due for {$880.00}, however my regular payments are {$770.00} and I have no late fees or any other fees. 
This lender has sent in writing that my payment has changed from {$800.00} ( XX/XX/XXXX ) to current {$880.00}. 
When I called to address they place the call on hold for hours, and then hang up. I have been working with a Housing Counselor at XXXX XXXX XXXX for XXXX XXXX for the last 6 months and no results with the lender FAY. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: OPTUM BANK, INC.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated a trustee to trustee transfer from my health savings account with Optum XXXX. I specifically requested a certain amount be transferred to a new trustee and that Optum XXXX  do not close my account. Optum XXXX  transferred a different amount than what I requested in my written form. Optum XXXX  does not know what to do and doesn't know that consumers can perform trustee to trustee transfers WITH OUT closing their account. I am not sure I am comfortable with them holding my money if they can't read and follow instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SEQUIUM ASSET SOLUTION  Acc # XXXX I don't owe them anything call the company and they said that they already removed from my file the collection company still reporting and they cant find it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft for 10 years never had a credit card couldnt get one. 
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