BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have called 10 to 20 times and stated the issue, with no 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 explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX am submitting this complaint that : In accordance with fair credit reporting act.the list of account below has violated my rights and federally protected consumer report. 
XXXX XXXX  -account # XXXX In accordance Fcra 15USC 1681s-2 ( A ) ( 1 ) A Person shall not Furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe 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 explanation
Consumer complaint received 2018-12-14
Company: JAN (LendUSA) Holdings, Inc.
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2018 I resigned as a Loan Officer with LendUS ( XXXX XXXX XXXX  ). Per my Loan Officer compensation plan for 2018, I am due 100 % commissions for any loans closed within 30 days, for which I had 2. That equates to roughly {$10000.00} ( pre-tax ) owed to me before any deductions. I was due payroll payment today-XX/XX/2018, but did not receive anything. No information was provided either on the lack of payment. I did also notify the Labor Boards for both California and NH ( the state I work and reside in ) of this wage payment failure. 40+ other LO 's are also in the same horrible situation due to LendUS 's disregard to pay separated employees. 
( please remove the following if you post this ... ) Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is XXXX and whenever I am late on my payment they will call me 7 or more times a day from the same or different phone numbers. On XX/XX/3018 they called me 10 times from XXXX. Ive tried blocking their phone number but they then call from a phone number that is 1 digit different and resume the harassment. I have about 20-30 different phone numbers of theirs currently blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX- Capital One, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I purchase a refrigerator online from Home Depot. On XX/XX/XXXX around XXXX I received a call from Home Depot asking if I was making charges for {$4800.00} in XXXX XXXX, TX. I said no. He said he was close my account and decline the charges. He said I would be sent new cards. On XX/XX/XXXX I looked at my account online and saw that the account had not been closed. Fraud charge was still on. I called again. The customer rep. said she would close the account and remove charges. I asked her where the charges were made. She told me XXXX XXXX, TX. It was XXXX XXXX XXXX from XXXX, TX who made the charge. Today, I look at my account again. I was issued new cards which are in the mail, but that {$4800.00} charge is still on my account. I called again. Ended up talking to XXXX in the fraud dept. Nothing they can do for 60-90 days. No investigation was started till I called on Sat and now it takes 7-9 days before they start. I am applying for a mortgage and can not have this huge mistake on my credit report which could affect the outcome of a mortgage.

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 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX  ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX  ( Transunion : XXXX ), XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX ), XXXX XXXX XXXX ( XXXX   : XXXX Transunion : 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 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm requesting that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX XXXX, {$120.00}, XX/XX/XXXX, I was not in XXXX Hospital on XX/XX/XXXX, so this account can not be mines. And in accordance with the FCRA law physical documentation need to be presented to the consumer and if not the account shall be removed. Also I have absolutely no contract with the above. Account # 2, XXXX {$910.00}, XX/XX/XXXX, this account is not mines either, and nor did I ever have a contract with this company, Account # 3, XXXX XXXX XXXX {$1000.00}. And account 3,4 and 5, XXXX XXXX XXXX, {$56.00}, {$52.00}, {$52.00}, XX/XX/XXXX, XX/XX/XXXX, I do not have a contract with any of the above.

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 2018-05-17
Company: BYL Collection Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt in full XXXX-18, It is money not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: AmeriCollect
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Has been trying to collect a debt that has not been rebilled to MEDICAID. 

It first used XXXX and now has transferred the account to AMERICOLLECT The bills are from XX/XX/2013 the statestatute of limitations has passed. 
All bills are billable to medicaid. 
they are balance billing for {$1.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and the person try to open lots of accounts in my name leaving me with a lot of inquiry on my report. XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Harley Davidson Financial Services Inc
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Harley Davidson has been closed since 2017, furthermore account was transferred to XXXX XXXX XXXX   in XXXX. Both Harley and XXXX were reporting the same account on my report which is unlawful after it was sent to collections. Now after creating a dispute you have the account listed as open. There should not be late pays from XXXX until now because the account was charged off and closed and another company was reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
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:
I have disputed items on my credit report over 4 times and the only response from EXPERIAN is that its been verified. I have asked EXPERIAN on more than one occasion to show me the burned of proof that these items are 100 % correct and it has not been VERIFIED. I also, asked EXPERIAN to send me the proof and the person who VERIFIED it. Needless to say I received nothing back NEITHER time I requested it. This is a Violation of 15USC 1681. I asked MORE THAN ONCE to send or let see the verifying documents, the persons name who verified them, And what documents was used to verify the items. Never received them out of the 3 times I, requested the documents. It is there responsibility to make sure that All information is 100 % correct before reporting it to a credit report. 1681 a,4. Re-investigation, does not mean I, the consumer prove to EXPERIAN that its no correct and send them the information proving it to be wrong. Re-investigate means just that for Experian and if it can not be VERIFIED it must be deleted.

As, prescribed by SECT. 611 ( 5 ) A. I have the dates that I sent Experian certified mail in the attachments along with the response back from Experian. Experian also, explained that they do not use other reporting agency for there deputes. With that being said can Experian explain how is the consumer suppose to dispute inaccurate information? Please explain? I do not understand if 1 item has been deleted from the other 2 CRAs and Experian keeps the item as been VERIFIED. How then am I, suppose to dispute that item? which that the case with a few of these items.

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 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX   keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.

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 2018-05-17
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an updated copy of my credit report to find out that DIVERSIFIED CONSULTANTS INC. reported that i owe XXXX for XXXX when this account has already been proven that it was not mines, and removed not once but twice. This account has been sold to 2 different collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: U.S. BANCORP
State: IL
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:
I have an account with US Bank and they have a late reporting on my credit report. US Bank charged me for overdraft protection that I never signed up for.

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 2017-08-03
Company: Creditech, 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: Account status incorrect

Complaint:
Creditech a debt collector destroyed my credit score by the way they report delinquent sewer bills. I have one sewer bill for the last thirty years that I make payments on. On my credit report the debt collector reports separate accounts for each year. I looks as though I have never paid anything on three separate accounts. They are destroying my credit. the dates are XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... credit report is showing four separate accounts as delinquent. Today XX/XX/XXXX I spoke to Creditech representative to complain ... number one this is a tax that is not subject to credit report. number two I have been paying XXXX a month on one account ... ... for a property at XXXX XXXX, XXXX XXXX, PA not 4 separate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am completely up to date with my payments. My student loan payments with Nelnet are due every XXXX of every month. My current amount due every month is {$400.00}. 
My last payment in XXXX was on XX/XX/2020 and I paid a total of {$440.00} for the month of XXXX. 
On XX/XX/2020, I made an electronic payment of {$230.00}. My remaining balance should have been {$170.00}. Instead Nelnet is claiming that I owe them {$250.00}. 
They applied {$140.00} of what I paid to XXXX XXXX of my loan. The website acknowledges that I paid {$230.00} and it breaks out the payment as {$140.00} to XXXX XXXX and {$87.00} to XXXX XXXX. 
There is no explanation of how I owe {$250.00}. I called Nelnet and the customer service rep couldn't figure it out either. She tried to tell me that the {$87.00} was considered part of my XXXX payment. When I asked about a credit to my XXXX payment for {$87.00} she had no idea. She said it was because I've been making payments twice a month. XXXX  Something is off and wrong with their accounting system. Where is the {$87.00} I paid? Why isn't it accounted for in the system. There were no fees due and it wasn't credited to XXXX. 

Nelnet doesn't give credit for advance payments. That's a load of XXXX. There is something going on with this company that is not kosher. This company needs to be investigated and oversight needs to be done on this company. This company needs to be audited and fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Account information incorrect

Complaint:
I pulled a copy of my credit report and found the following items to be in error : Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX   account ; Payment history is incorrect for XXXX XXXX XXXX XXXX account ; Payment history is incorrect for XXXX XXXX XXXX  account ; Payment history is incorrect for XXXX XXXX XXXX account ; 30 date late is incorrect for XXXX XXXX XXXX account ; Per the Fair Credit Reporting Act, I demand that these items be investigated and corrected as individually requested from my report. I understand that you will verify these items with the creditor who has posted them. Please delete or correct any information that the creditor can not verify as I have instructed. I understand that you must complete this reinvestigation within 30 days of receipt of this letter and have results returned to me within 45 days. Please send a COMPLETELY UPDATED copy of my credit report to the above address. According to the FACTA act, there shall be no charge for this updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: EQUIFAX, INC.
State: GA
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:
Disputed incorrect information through three credit reporting agencies and creditor, XXXX continuously reported back more incorrect dates and balances on a charged off account. Date of first delinquency was in XXXX. XXXX is reporting this now as if this was charged off in XXXX, XXXX, XXXX. In some places reporting payment history which did not occur or reporting continuous billing of interest charges on a charged off account. 

THIS CHARGED OFF COLLECTION ACCOUNT WAS INCLUDED IN MY DEBTOR LIST AND LIST OF DEBTS DURING FILING IN XX/XX/XXXX OF BANKRUPTCY WHICH WAS DISCHARGED IN COURT IN XX/XX/XXXX XXXX keeps violating FCRA policy by misreporting and advancing dates intentionally re-aging this debt and extending the time reported negatively on credit file. 

In addition, this item was a private loan, charged off collection account. Not a federal student loan. I was able to work out terms on my federa loans but no options were available on the private loan that has bounced from collector to collector incurring {$40000.00} in interest charges. I can not get XXXX to verify the date of first delinquency which occurred in XXXX. They keep reporting different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
First, how and when the capitalized interest was applied was not fully explained. The impact of deferrals/forbearance was not explained. 
Second, I dont think that the capitalized interest is being calculated correctly. I have been paying regularly on my load for 10 years and the principle has not gone down. I feel like I am in a situation that I will die with. The interest is ridiculous. I contacted Navient to ask them the explain how and why I have received each charge of capitalized interest. They referred me to my account history. The account history does not show how it was calculated. I have paid $ XXXX in interest and $ XXXX on the principle. I have pad a minimun of {$200.00} a month for 10 years.I will die before this is paid off. 
Attached is my payment, interest file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: MN
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 's assessed late fees to my account in error which subsequently resulted in a massive charge of late fees and inaccurate reporting of late payments.

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 2018-06-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Opened an account XX/XX/XXXX with Chase bank. Account was notified to be closed XX/XX/XXXX with dispute due to be completed by XX/XX/XXXX. No notification was given until a letter that was dated XX/XX/XXXX however the envelope was postmarked for XX/XX/XXXX, well after any dispute could be filed. I did not receive the letter itself until XX/XX/XXXX. Chase refuses to take responsibility for this lack of due notice. Chase also refuses to state exactly WHY my account was closed, even after referring me to Loss Prevention, which suggested potential fraud. As stated by no less than 4 individuals ( I escalated the call repeatedly ) there is NO ONE at Chase who will give me the exact reason why the decision was made to close my account, and NO ONE who will explain or take responsibility for due notice not being given in the correct time frame that would've allowed me to fix it. There were no phone calls, no emails, no messages on the account, no other letters other than the one scanned and uploaded. They also refused ( until the final escalation ) to verify my husband 's information ( he was also in the call with me ) being the primary account holder, with myself as the secondary.

Company response to consumer: Closed with explanation