BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX credit card paid as agree since XX/XX/XXXX it is on experian as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a XXXX  XXXX XXXX i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by Experian this is the credit bureau this bank use. Please this XXXX  XXXX credit card was openXX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from experian credit reporting agency I demand XXXX XXXX to authorized this.

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 2020-12-18
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We were purchasing some home gym equipment back on XX/XX/XXXX and when asking about promotions and cost. We were told that they have a 6 month promotional offer and we asked if it was possible to do 12 months and they said they could look into it and get back with us. They did get back to us and told us that we could get the 12 month promo and that there would be no monthly minimum payment as long as we paid it off in the 12 months. Well when I got the statement in the mail I was surprised to see that we did in fact have a monthly minimum payment which was being factored at 3.5 % which was never disclosed and we never received any disclosures or signed any application for that matter. When I received our Statement I called the Sales Rep on XX/XX/XXXX and asked him why I did have a minimum payment and why was it 2 accounts instead of just one and that my payment was due in 2 days and that he needed to get back to me asap. Well XX/XX/XXXX came and went and I ended up making my payment so that it wouldn't be late or derogatory. Now 11 days later I call him again and ask him to check into it and he says he will, he finally calls me back and tells me that he misspoke but that I was still getting a good deal. Well to me I am not getting a good deal cause what I was told was the deal I wanted but now I am stuck with completely different terms than what I was told I would be receiving.

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 2018-03-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Paypal, Paypal Credit, and XXXX XXXX XXXX, has failed to provide credit so I can make purchases on XXXX, the option to pay later has not been offered to me so I can receive it. Pay pal Credit has not verified my XXXX credit report nor have they called me about credit. 

Pay pal has not paid its judgement to me because Pay pal violated my human rights, financial rights by failing to provide annual error-resolution notices and monthly account statements under the Electronic Fund Act. Settlement can be viewed as not paid at XXXX Spoke and have statements from Paypal Counsel, XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: OH
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 requested the a method of verification with XXXX, Equifax and XXXX about an Bankruptcy and I have attached the response from XXXX which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The companies involved are already aware as I have written to all of them. Barclay is claiming that I have not made any payments since XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX negotiated with me. XXXX went out of my business in XXXX when my account was paid in full. They told me that Attorney XXXX XXXX would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, XXXX instead wrote me and said that I haven't made payments since XXXX. This is inaccurate. I have sent letters and proof to XXXX XXXX and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an XXXX product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX XXXX' invoice is not.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: OH
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 requested the a method of verification with Experian, XXXX and XXXX about an Bankruptcy and I have attached the response from Experain which is not truthful. They stated they CERTIFIED THE INFORMATION WITH THE " Company '' ; however, there was no investigation of the this nature and I have letter from the courts stating they do not share information with Credit Agencies. Therefore, I requested method of verification with validation which was not provided. 

I request this information be removed ASAP as it has been more then 30 days.

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 2018-08-14
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There appears to be a collection account from XXXX XXXX XXXX with the original Creditor being XXXX XXXX XXXX in the amount of XXXX. I have no knowledge whatsoever on this collection account, and was never seen by any physician of XXXX XXXX XXXX. When asked to be provided with proof that this debt belongs to me, I was sent a list of services provided, none of which was performed on me. Also, I do not have any kind of contract with XXXX XXXX XXXX, allowing them to collect such debt. I need this collection account removed from all 3 credit reporting agencies immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My name is XXXX XXXX and I writing you regarding Transunion Credit I filed Chapter XXXX on XX/XX/16 ... They are showing another Chapter XXXX on my credit file in which isnt mine ... I have sent numerous letters and disputed the information no avail ... .I 'm writing you due to the Fair Credit Reporting all information must be correct and accurate information.

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: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I HAVE A COMPLAINT PENDING UNDER CASE NUMBER XXXX. I AM REQUESTING THAT YOU ATTACH THE UPLOADED DOCUMENTS THAT SUPPORT MY CLAIM THAT THE CHECK SUBMITTED INTO MY ACCOUNT BY XXXX WAS NOT FRAUDLENT AS CAPITAL ONE HAS STATED. I AM REQUESTING THAT MY ACCOUNT BE REOPEN ASAP AND MY FUNDS RELEASED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have raised this point internal at a branch level, and the " Customer Service '' of Wells Fargo Mortgage. 




The lack of speed in answering this complaint, the lack of interest to serve the customer, the lack of resolve. In the last issue was very valid. XXXX XXXX of Wells Fargo, after taking with my Husband, admitted on the phone that there was a lot of calls at the time period, and admitted there was some kind of agreement made at the time. 


In response to the complaint XXXX XXXX of wells Fargo responded, " I couldn't find the exact call so wells Fargowo n't change the record ''. The reality is, there was an agreement, and wells Fargo know this to be true but wont change the credit record because of a technicality, they cant find the exact call. XXXX XXXX did communicate the representative that did make the " arrangement is no longer with Wells Fargo ''. I was XXXX XXXX in hospital having XXXX, Wells Fargo knows this too, and i can provide hospital records too. The reality is I was In Hospital Wells Fargo Knows this, the reality is an Argument was made, and the person the agreement was made with no longer works for Wells Fargo. I am a good mortgage customer, with regular payments no late payments in two years. 




The consumer Financial Protection Website exists as a public recourse for consumers to read and see " customer service '' of institutions like wells fargo and how wells fargo responds to their customers. 




I file this complaint requesting the paid late being reported on my mortgage from a time I was in hospital was IN FACT paid " as agreed ''. Because there was an agreement in place to bring the account up to date by certain date. I made the agreement, wells Fargo AGREED to report " pays as Agreed ''. I kept the agreement, brought my account up to date ... But wells Fargo have displayed no HONOR and failed to honor the agreement. Wells Fargo reported on my credit 'late ''. My account is up to date, and has been up to date, for over two years now. Failure to report 'paid as Agreed '' when an agreement was in place serves as an ETHICAL representation of the service at wells fargo.

I give full consent for CFPB to publish this complaint, and I await Wells Fargos " customer service '' response.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/18, I agreed to pay a sneaker vendor named XXXX on XXXX {$170.00} for a pair of sneakers, namely the XXXX XXXX XXXX XXXX mens size XXXX. He instructed me to download the XXXX phone app and pay him via XXXX, which would transfer money from my bank account directly into his bank account. His name is XXXX XXXX, and his phone number is XXXX. This was the personal information he provided to me to submit the payment to him. My XXXX transaction number is XXXX, completed on XX/XX/18. Minutes later, XXXX XXXX confirmed receipt of the payment and said that he would mail the sneakers to me. The following day XX/XX/18, he still had not shipped, so I asked him for a tracking number. He said he would ship on Monday, XX/XX/18. On Monday, I asked him for the tracking number, and he said he needed me to pay him again, for the same amount, in order to ship. I refused to pay him again and asked him to refund my initial payment if he was not going to ship the shoes to me. He has not responded ever since then, and appears to have closed his XXXX account. From his information on XXXX, he appears to have a storefront in XXXX, PA, named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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: Personal information incorrect

Complaint:
I requested Experian remove and update my only address where i live and receive U.S. mail and delete all other addresses whereby they are not deliverable as per the FCRA and they refuse to do so.

I requested they delete all telephone numbers associated with my credit file profile and i provided my correct date of birth and correct employer, my only name used and my only social security number and i provided a copy of my drivers license, utility bill and social security card.

I have sent more then 10 different letters the same requesting this action and always providing true and correct information.

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 2021-11-30
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. 

I am aware of Navy Federal Credit Unions discriminatory practices, as well as their unlawful AND unjustifiable means when making decisions. I initiated a consumer credit transaction and was denied my right to be extended credit through you after applying in good faith which violates 15 USC 1691 ( a ) ( 3 ). The adverse action furnished on my consumer report is proof a transaction occurred, and I shouldnt have been denied for credit. Furthermore, a transaction was completed using my Credit Card as per 15 USC 1602 ( l ) and I the consumer never benefited which violates 15 USC 1602p. The consumer credit transaction was completed when I filled out the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

Not only did this transaction result in an adverse action against myself the Original Creditor, but I also experienced a great deal of mental, physical, physiological trauma causing confusion, XXXX, and sleepless nights with bouts of XXXX and XXXX dysfunction. No one should ever experience what I have experienced when it comes to anything that belongs to them and rightfully so. This is extortion in fact per 18 USC 894 ( 1 ) and regrettably so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, 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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX  and XXXX with no successful resolution. Equifax, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.

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