BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XX/XX/2020 I contacted Bridgecrest finance company to inquire about a payment deferment on my auto loan due to my employer reducing my salary amount in response to covid-19. My monthly payment amount is typically {$520.00}. I spoke with a man who stated Bridgecrest did not offer payment deferment but said they could offer to split the payment for the month of XXXX over a 5-month period, with the first payment of {$630.00} to be made on XX/XX/2020. The man I spoke to said that due to covid-19 and the reduction in my salary that missing the payment for the month of XXXX would NOT be reported to my credit, and the payment would not be considered delinquent. I then received an email from Bridgecrest stating that my payment was in fact being reported as delinquent if I did not make the payment for the month of XXXX immediately. I contacted Bridgecrest again as I believed the email I received was in error due to the agreement made over the phone on XXXX. After speaking to several people and having issues with getting them to return my calls, I finally spoke to a manager who told me that they would only dispute the negative report to my credit ( which had already been made ) if I made the payment for the month of XXXX immediately. They told me that after reviewing the recorded call, they would not be able to honor the agreement we had made over the phone even though they had heard what the man told me as their company does not have a policy for deferment. I have attached a screenshot of the text message I received showing the increase in my monthly payment, due to the deferred payment for the month of 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 2019-10-28
Company: Experian Information Solutions Inc.
State: NJ
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 a closed credit card on my EXPERIAN credit report with late payments that are negatively affecting my credit score. I did not open this card myself, had no knowledge of it, and was not aware of its mismanagement. Once i became aware of the card, i paid it off and closed it immediately. I have tried disputing with Experian, but have not been successful. I really need and would appreciate some help.

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: NY
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 took out one loan with XXXX  XXXX XXXX. It was disbursed on one date and paid off other loans. Like a credit card that is used for multiple items at different stores, it is one trade line. When a credit account goes to collections it remains one tradeline. Same for a loan. I am submitting page two of the Department of Education XXXX XXXX XXXX response to my local Congressman confessing they took that one loan and are reporting it as two tradelines. Clearly it is inaccurate and false reporting by multiplying and compounding adverse affects to my credit file. If they want to count them as the original subsidized and unsubsidized loans seperately those loan dates should be used and it would be far too old to remain on my credit. 
I am including screenshots from the XXXX website. NOTE NOT A THIRD PARTY WEBSITE. These screenshots verify the account was sold to another collection agency in XX/XX/XXXX. This is why it is showing closed with XXXX balance. This is the reason the original creditor is no longer on my credit report. It was sold to Dept of Ed XXXX XXXX XXXX and aged off my report in XXXX because paid collections fall off 5yrs from first delinquency in NY. Since Dept of Ed XXXX  XXXX XXXX sold to another agency who's address is on credit report under section Labeled XXXX. XXXX XXXX XXXX XXXX  XXXX, IA XXXX. I will also attach screenshots of the department of education. EDU website showing this address is not found anywhere in department of education. I will also include a screenshot of a web search for this address. It shows a lawyer/collection agency. There is also a statement on credit file under status Status A brief message describing your payment history with a specific account.

" Seriously past due date/ assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department '' Screenshot also included.

Since the clock does not reset it should be removed 5yrs from first delinquency XX/XX/XXXX. In this case it should be removed within a few weeks. I have requested early exclusion on good faith because the Department of Education XXXX XXXX XXXX had been falsely reporting additiona tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Harvard Collections, reported a negative trade line on my credit report as of XX/XX/XXXX. This is the second time this company has reported this same debt on my report, I had it removed back in XXXX as this isn't a debt I'm aware of, and the company states the original was over 30 years it supposedly be owed. I wasn't even aware that you could collect on a debt over 10 years, but moving forward... The company never sent out debt notice just updated on my credit report as a new collections debt in both incidence. 
The company removed the debt, and now 2 years later it's on my file again as a new paid charge off.as of XX/XX/XXXX in the amount of {$2900.00}. 

I have never made a payment nor been contacted for a payment on this debt. This is impacting my credit which dropped my score due to their negligence, falsifying attempted collections on a debt over 30 years and updating as though this was a new debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions Inc.
State: NJ
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE TRANSACTIONS.

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 2021-11-01
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 I recieved a email from paypal saying my account was permanently limited and i had a ticket filed and was told to check my email for judgement. 

I have a current balance of {$300.00} they are holding today XX/XX/2021 they told me they arent releasing the limitation and they are sending me a second email on XX/XX/2021 to withdraw my funds I called their offices XXXX XXXX, XXXX, XXXX, and XXXX to check on the status of my ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-06-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I tried closing my PayPal credit account with synchrony bank due to fraud twice. Ive never opened the card and called the fraud department twice. Nothing is being done. The credit card is still active and charged. They have failed to prevent fraud and is part of the problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
in XX/XX/XXXX my federal direct loans were being serviced by XXXX. In order to enroll in Public Service Loan Forgiveness I was directed by XXXX to consolidate which I did. I'm not being told by XXXX that they were in the wrong type of consolidation account ( I wasn't given a choice on type of account ) and instead of my PSLF qualifying payments beginning to count toward the required 120 payments for forgiveness in XX/XX/XXXX when I began working for a non-profit full time, I'm being told my qualifying payments didn't start until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Ive been dealing with 2 banks. XXXX XXXX XXXX XXXX and BofA for the last 17months. The short version my boyfriend wrote me a check for XXXX i deposited it his bank couldn't reach him because he was in the hospital and passed a week later i never got the money and it wasnt returned to his account now in probate. neither bank could say where the money was finally bofa admited they have it after a year of me filing complaints to find it now they want XXXX bank to file a Alteration breach of warranty claim no one seems to know what that is and the lady at BofA Ms XXXX XXXX resulution specialist in XXXX NC office doesnt return calls from myself or XXXX so that we get the forms needed to get the funds released ive been calling her since XX/XX/2019 i faxed her a letter XX/XX/2019 and ive called again today. I think 17months is way to long for this to go on. Theres no way to speak to a superviser its horrible. not only that bofa reported me to XXXX  for no reason

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from Transunion, XXXX and XXXX for the following tradelines ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MS
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 am following up regarding case number XXXX. Things state they were removed but they were not removed. These items were a result of identity theft. None of the items were removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX XXXX XXXX ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ) .According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ). They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce.

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 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One closed my account # XXXX after about XXXX week of opening the account but is reporting it as 30 days late. 
- The account was never 30 days late and in fact the account was not open for 60 days, so it is virtually impossible for the account to get to 30 day late payment status. 
- Capital One also has not allowed me to know what the closing balance is and since my Capital One online account is closed they need to supply me with a method of payment to pay whatever balance was on the card at the time it was closed. 
- It is improper for Capital One to report delinquent payment history on an account if they have not given me a way to pay the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My email address was used to create an account for another persons American eagle store credit card. 
After numerous emails and phone calls to the retailer and the issuing bank, Synchrony, this has not been resolved. I have asked them to verify the correct email for the customer but I have continued to receive emails regarding this customers account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, i noticed there were wrong names, hard inquires, and addresses on my credit report. i would like it to be remove as to not harm my future credit worthiness.

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 2022-12-01
Company: Brightfunders, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Lower.com. I was given a closing date of XX/XX/2022. On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX called to inform me that my loan was denied. XXXX XXXX told me my silent second was the reason the company could not approve my loan. 
Dates : I began the loan application on XX/XX/2022 and received news of my denial on XX/XX/2022 via telephone. On XX/XX/2022 I received a written Statement of Credit Denial from Lower.com. The reason listed on the notification was due to " Credit application incomplete. '' On XX/XX/2022, I emailed the company and requested to speak to a supervisor. XXXX XXXX, who identified himself as XXXX XXXX of XXXX returned my call and informed me that since I was not part of a " down payment assistance program, '' my loan was denied. On XX/XX/2022 I emailed the company and requested to speak to the underwriter to obtain a list of all factors involved in the denial of my loan application. Lower.com employee XXXX XXXX informed me the underwriter was no longer with the company and my request was not granted. I feel that it is a real problem that I was given three different reasons for denial when I meet all criteria for the loan ( Income, equity, employment and most importantly full documentation. 
-- As a result of this lengthy process and denial I was priced out of the mortgage market due to rapidly rising interest rates.

Company response to consumer: Closed with explanation