BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
I have a loan with SYNCB/BANANA REPUBLIC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/BANANA REPUBLIC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and SYNCB/BANANA REPUBLIC with no successful resolutionXXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

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 2019-01-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019, I looked at my FICO score on the XXXX banking website. I noticed my FICO score had gone down from XXXX to XXXX. I called XXXX and a representative informed me that they receive their information from Experian. I explained to her that I havent opened any new accounts and I am also not delinquent on any accounts. My credit score with Experian is XXXX. When I attempted to start a dispute due to about 4 accounts labeled as possibly delinquent. When you attempt to start a dispute the website tells you you have to set up an account so that Experian can pull your credit report periodically. If you do not agree to that you cant start your dispute. The record number on Experian is 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 2020-11-03
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: Investigation took more than 30 days

Complaint:
I reached out to Experian in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.

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 2020-09-16
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: OH
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 been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I sent a certified letter to Capital one requesting validation of a debt that they claim I owe. On XX/XX/18 I sent a second certified letter requested validation to no avail. I requested validation pursuant to the FDCPA. I requested validation that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them. Both debt validation letters were ignored. I have copies of returned certified receipts see attached. signed received on XX/XX/18 and XX/XX/18. On XX/XX/18 Capital One sent me a letter by FEDEX from account manager XXXX XXXX threatening me with a law suit. Capital One failed to validate this debt as I requested Capital one violated the FDCPA by not making this debt as DISPUTED within 30 days. Capital one continues to harass me about this account. I got a notification that my disputes were completed. I pulled my XXXX report on XX/XX/18 and XXXX on XX/XX/18 and noticed that not only were they not deleted but Capital One continue to report that I owe this debt. of {$6000.00}. I can prove that Capital One owe me damages of {$1000.00}. per part XXXX of the FDCPA. I have attached all of my supporting documents which continue to validate the debt without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Received my credit card bill yesterday and there was a {$19.00} charge from Transunion. 
We called last night to find out what this is and we were told it was for credit monitoring services " which we NEVER ordered ''. 

2 issues here : 1. Transunion fraudulently engaged the service and began charging us.

2. Their contract call center is nothing but a group people who lie.

As they speak with a foreign accept, they are no doubt outside of the US. The names they gave in sequence of call transfers were : XXXX XXXX XXXX XXXX XXXX  and XXXX. We did speak to one American. When we asked for real names and what country they were in they said they are not allowed to tell. This is ridiculous - we are giving our credit card numbers and SS numbers to heaven only knows where!

Second, we asked for information about who signed up for the service that they put on this account. We were transferred to various departments and finally the monitoring dept. XXXX stated she can not provide the information.

We have no doubt in our mind that Transunion is misusing their access to credit card information and fraudulently charging people for credit monitoring services. We did not sign up for this and certainly not a " subscription '' that would go on forever.

I am certainly this has happened to others and wanted to alert your agency.

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 2021-09-22
Company: EQUIFAX, INC.
State: MS
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 unverified inaccurate late payments showing on my XXXX XXXX account. I have disputed this information with all three credit bureaus and they closed my disputes saying informaton was verified and accurate. I am attaching two printouts from all three bureaus showing each bureau is showing something different every month. 

How can this be accurate? I would like the late payments on my XXXX XXXX acount removed immediately and a new credit report sent out so that I can see the inaccuracies have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I purchased a car on XX/XX/2017, and on XX/XX/2017 I was in an accident and totaled my car I just purchased. My loan is with Wells Fargo Dealer Services. My Insurance company XXXX XXXX and I did not come to a settlement until over a month later. Wells Fargo 's representatives called me and asked me to take the offer XXXX XXXX was giving me which was not going to pay me full value for my car and not pay the rest of my loan off. I begrudgingly took the offer and Wells Fargo was paid {$6200.00} on a {$6800.00} loan. This left me a balance of {$570.00}. Now I recently reviewed my credit report and Wells Fargo is reporting I am 30 days late on payments. But how is that, when you got over {$6000.00} in payments. I tried calling them numerous of times and they keep switching me to different people in the collections department. I asked why they did not adjust my loan amount to fit the new balance. We agreed on a {$100.00} a month. But they collections department has been calling me telling me I owe the whole {$570.00} right now. And now they are reporting a negative rating on my credit report to the bureaus, when they are the ones who told me to take the insurance offer in the first place. It was not my fault the insurance company screwed up the appraisal for my car and the process took longer than expected. I am the one with out a car, without the money I put down for the car, the insurance money I paid and the tax, title, and the dealer cost to get this car I can not drive anymore. On top of that, they told me I would have to reapply to get another car loan. Is this any kind of way you treat your customers?

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 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has refused to correct entries in my TransUnion credit report incorrectly reporting that my XXXX XXXX  XXXX ( Account Number beginning XXXX XXXX XXXX XXXX is an Adverse Account, with a Maximum Delinquency of 30 days in XX/XX/XXXX. I had no such delinquency. I sent a fax and two letters, with documentary proof ( account statements ), asking XXXX to correct my TransUnion report. The fax was sent on XX/XX/XXXX. The first of my two letters was sent on XX/XX/XXXX ; the second, a follow up letter requested by XXXX, was sent on XX/XX/XXXX. XXXX ignored my documentation, which clearly shows I had no delinquency in XX/XX/XXXX because nothing was due on my account for that month ( or for any preceding month from XX/XX/XXXX onward ). XXXX stated in its final letter to me, dated XX/XX/XXXX, that the information in [ my ] credit report is correct. 

Copies of monthly statements for my account, from XXXX back to XX/XX/XXXX, included in my XX/XX/XXXX letter to XXXX, fully demonstrate XXXX error. Each statement shows a XXXX-balance requiring no payment. Because no payment was due, there was never a delinquency. I have attached to this complaint copies of all my correspondence with XXXX, including copies of the relevant account statements. The account statements were marked Appendix A-1 through Appendix A-4 to my AFFIDAVIT SUPPORTING MY REQUEST TO CORRECT ERROR IN TRANSUNION REPORT, sworn to XX/XX/XXXX, which was enclosed in my XX/XX/XXXX letter to XXXX. 

I respectfully request the incorrect entries in my TransUnion report be corrected to show I have no delinquency for the account in question. My perfect credit payment history will thus be restored.

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 2018-03-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently had my bankruptcy case dismissed because I could not pay my account. I certainly can not make student loan payments. I still do not have a job ( after 10 years of being unemployed, underemployed or partially employed ). 

My original student loans were about 80K or so when I went into bankruptcy. They are now reporting over $ 120K and charging me close to {$1000.00} a month in interest, so each month I don't pay, my loans go up and credit score goes down even more. I DON'T HAVE A XXXX INCOME, AND AT THIS RATE I WILL NEVER BE ABLE TOPAY. 


I'M XXXXL OVER THIS. I HAVE NO RECOURSE AND NO WAY TO PAY THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
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: Was not notified of investigation status or results

Complaint:
Due to fraudulent activity with my personal information I am having to go through months and months of back and forth with companies that will not comply with the laws. At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged {$2500.00} on XX/XX/XXXX at XXXX for a service that was never recieved called XXXX to XXXX. XXXX refused to provide the service due to " not having a valid ID ''. 

I was then prompted to show my Chase debit card to receive an instant refund that should have showed back to my balance within 24 hours. But the funds never were refunded back to my card, so I disputed the transaction with Chase.

Chase denied the claim because " my pin # was used in the transaction '' which has nothing to do with anything. I am not claiming my card lost/stolen, simply that I did not receive the service I paid for, nor did the funds get refunded back to my Chase account.

Chase also closed my account because somehow disputing the transaction was " a security risk '' and so now I am out of {$2400.00} and I also have no checking account. 

Thanks Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
AFTER paying a {$390.00} application fee on XX/XX/2021, for a mortgage refinance to US Bank, I was informed that the fee is non-refundable. A full 2 weeks after the fee was collected ( XX/XX/2021 ), I received a file of dozens of pages of documents to sign in which I discovered, buried somewhere in the middle, that the fee is non-refundable. Moreover, it was not until 3 weeks after the fee was collected ( XX/XX/2021 ) that I received the disclosure stating the application fee " may not be '' refundable on which appeared my husband 's signature, BUT NOT MINE. According to US Bank, he is able to enter into a legal financial agreement for which I am also responsible without my consent. We have asked US Bank to return the fee to which we both did not consent, but most importantly to which THEY DID NOT DISCLOSE TO BOTH RESPONSIBLE PARTIES THAT IT " MAY NOT BE REFUNDABLE '' UNTIL AFTER THE FEE WAS COLLECTED.

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2019-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted a complaint through the CFCB regarding Bank of America. Obviously, Bank of America is playing games they claim in their CFCB response they were sending the response directly to the consumer because they could not confirm who submitted the complaint. First, the complaint was initiated through the CFCB. Certainly, the institution was aware of who the complaint came from. 

Second, Bank of America provided 2 letters dated XX/XX/XXXX and XX/XX/XXXX requesting additional time to respond to my complaint. Their letters dated XX/XX/XXXX was not received until XX/XX/XXXX and their letter dated XX/XX/XXXX was not received until XX/XX/XXXX. Oddly, their letters are dated approximately 2 weeks, prior to forwarding them to the consumer. 

Lastly, On XX/XX/XXXX I contacted the CFCB and they were able to read me a response letter from Bank of America I had not received. The letter read to me by the CFCB agent from Bank of America addressed the institutions past attempts to contact me by a number that no longer exists. 

In closing, this matter does not warrant a conversation, but a sufficient written response. I updated the institution with my new information 2 years ago. Since XX/XX/XXXX I am in receipt of 2 letters requesting additional time to respond to my complaint. Both letters are dated 2 weeks, prior to receiving them. On XX/XX/XXXX I contacted the CFCB and they read me their response letter that only addressed their attempts to reach my phone. 

However, Bank of America retains my home and email addresses for contact as well. In addition, I have an online account in which there were no contacts or messages provided by the institution. I strongly believe the institution has no legal ramifications to sufficiently provide a written response to my initial complaint. Bank of Americas response read by CFCB has no weight and it overall dwells on their attempts to contact me by phone when there are other alternatives of contact. I find their response unsatisfactory and demand that I have a written response to my initial complaint in its entirety dated XX/XX/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