BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a paypal account back in early XXXX to purchase and retrieve goods online. However, somewhere down the line that paypal account turned into a SYNCB/PAYPAL Credit Card account without my knowledge until I received a credit card in the mail that stated paypal. Long story short all of my transactions appeared to be not coming out of my bank account attached to my paypal account anymore nut towards this card. For a few years I just paid the card account off until one day when trying to log into to pay my bill it stated that I was locked out because I had a huge balance. I called paypal and made a payment but when I tried to get back into the account I still couldn't so I called them and they stated that the payment I made was to the credit card not to my actual paypal account debt which was confusing to me. After like almost 2 hours of back and fourth with several representatives I gave up. Then I started receiving letters with a bill and then one stating that my account had been closed to further purchases until I paid off the balance. Continuously making payments monthly I looked at my credit report and I saw that there was a SYNCB/PAYPAL Credit Card account on it but the account stated that it was closed. However, daily like 4 to 5 times a day I would get calls from them about the debt and I would make minimum payments to keep down the calls until I noticed that they wasn't even reporting it to the credit agencies correctly. I noticed that they would never allow the late payments to go past 90-120 days of me missing payments even if I did ( this was in order to ensure it never gets charged off ). So I called them and asked them about my payments once again the run around stating I had 2 accounts one a normal paypal and a charge card and I still don't understand that. However, when a friend of mine told me about a consumer enforcement that I should have been included on I did some research and I saw that I was enrolled into this additional account which should be cleared. XX/XX/XXXX I received a settlement offer letter from them stating that if I pay a sum of about {$350.00} dollars or somewhere around that figure they would clear the rest and report the account as paid on my credit report. Here it is XX/XX/XXXX and the full balance is still showing unpaid on my credit report and consistently being reported as late to the credit agencies and Paypal still has this account locked to where I cant access it to see anything.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent identity theft and unauthorized charges reports many times. And they refuse to remove fraudulent accounts from my report. I've asked for proof and activity. They refuse to provide. I've asked them to block certain bussiness. They refused. They refuse fraud alert and freeze for my report. They have completely blocked my on line account for me to access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: WELLS FARGO & COMPANY
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I co-signed on a private student loan through Wells Fargo, for my granddaughter some time ago that went into default. I received information that the loan had been forgiven. I was also told on XXXX XXXX, there was a second loan that I did not co-sign for that has an outstanding balance of {$20000.00} and is due. I have been trying to get information on this loan since XXXX of this year. I went through XXXX XXXX, and they were unable to get information about the loan also. Every time I would ask Wells Fargo, about the loan, they would send the same letter with the same account number stating the balance 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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My car was stolen and my personal information has been used to get loans and credit. I filed the correct paperwork according to the FCRA and submitted it to the credit reporting agencies. Nothing has been submitted correctly and I do not have copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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:
Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: MO
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:
All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/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 non-monetary relief
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted evidence to Transunion notifying them of an erroneous account by a collection agency called XXXX XXXX regarding an account with XXXX XXXX as the original creditor. I reached out to XXXX XXXX to ask for signatures and all proof validating this erroneous account. XXXX XXXX did not get back to me in 30 days and obviously did not get back to XXXX and XXXX  since they deleted the account. Transunion claims XXXX XXXX verified the account and I asked for Transunion to send me the description of the methods they used to verify this account under the FCRA 611 ( a ) ( 7 ) and they did not respond to me under within the 15 days mandated by law.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2018-12-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To Whom It May Concern, I opened an American Express ( AMEX ) Gold Card because AMEXs promotion, which I signed up for, where I would receive XXXX American Express Membership Rewards ( MR ) if I hit a minimum spend of {$2000.00}. As of today, XX/XX/2018 I have hit that minimum spend and have exceeded it, spending on a family trip for my upcoming family reunion, other miscellaneous household items, restaurants, and family expenses as I do NOT engage in Manufactured Spending. However, upon checking my account balance on the AMEX website on XX/XX/2018 I found that I still have not received the said XXXX  MR bonus points. I spoke to AMEXs customer service on XX/XX/2018 to inquire about this issue and was subsequently transferred to the Executive team and spoke to customer service representative, XXXX. This female representative explained that I would NOT be receiving my points despite my signed agreement with AMEX. I was told that there was some type of activity of misuse under my account and I was not eligible for the bonus points that was agreed upon. I asked the representative if they could further explain the situation and they would not give me further explanation. Moreover, I asked if I could appeal or speak to someone regarding AMEXs final decision and they said that they could not do so. I believe that AMEX has been engaging in deceitful and predatory marketing practices leaving middle class customers, like myself, to fend for themselves without recourse or even a fair playing field. 

I appreciate the CFPBs help and support in this manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: AZ
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:
All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off 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 2018-09-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit I noticed that there was a closed account negatively affecting my credit. Pursuant to the 611 and 609 of the FCRA I requested that this item be removed. The account is through XXXX with an original delinquent date of XX/XX/2005.

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 2018-02-26
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I was XXXX XXXX in XXXX, I was injured and had to be medi- vac to XXXX . That day, my ex-wife and her son took out student loans without my knowledge due to the fact, I am assuming that they were not sure of my survival. This was all done via electronic signatures and having my SS # and vital info, they were successful in doing this. Once it is set up, all they had to do was keep resubmitting the same info for new loans. 
I was made aware of these loans when trying to purchase a home 2 years ago. I made out a police report, called Navient, and called all credit bureau reporting agencies. These were removed from my Credit Report immediately and Navient advised they would stop all collections and make a report of who did this and go after them. In the time that conversation took place and today, they have sold these loans to 4 different debt recovery companies. Every time, I talk to them, they advise they will send back to Navient and refuse to collect. A few months later, they sell it again. This continues to be an issue and Navient refuses to stop selling these loans or provided documentation of my signature. Not sure what else to do, we received new paperwork from a new recovery company today from XXXX XXXX XXXX. 
There are a total of 9 loans in the amount totaling- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, on XX/XX/2022 Guaranteed Rate ( via XXXX XXXX ) pulled my credit report without my authorization. The broker responsible is XXXX XXXX. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been making payments on my student loans for more than 5 years. Even though I've never missed a payment and I've only ever worked in public service, my loan servicer is crediting me with less than 2.5 years of qualifying payments towards public service loan forgiveness. The servicer, Pennsylvania Higher Education Assistance Agency, should give me credit for every monthly payment I've made since I've always been employed in qualifying employment while paying off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/21 XXXX removed XXXX XXXX  Bankruptcy. I have written XXXX and Experian explaining and showing proof that it was removed from XXXX. I have requested XXXX XXXX  Bankruptcy ( XXXX ) be removed from my XXXX and Experian credit report. I have not received anything in writing or by email confirming it has been removed

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 2019-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
My complaint is against Bank of America, Account # XXXX, open XX/XX/XXXX, status paid and closed, {$0.00} balance, credit limit {$3000.00}, date closed XX/XX/XXXX. I have been a loyal costumer to the mentioned company from years back. Around 2 weeks ago when Im trying to apply to my mortgage loan they are telling me that I have 2 delinquencies with BOA. First 30 days late was on XX/XX/XXXX and 2nd late for 60 days was on XX/XX/XXXX. I have never been late with BOA in the multiple accounts that I currently have with them and suddenly I found out that they have me with delinquents for of {$8.00}? Which I didnt even know they existed. Do BOA really thinks that if I knew that I owed {$8.00} I wouldnt have paid them that amount? I never received a late payment insertion as required by the FCRA. This unfair business, negligence and unreasonable. I respectfully request a deletion letter from BOA through CFPB portal. I have a  {$400000.00} mortgage loan pending because of this negligence from BOA. I already gave {$15000.00} deposit for the property, if I dont have a deletion letter from the mentioned company as soon as possible I might lose the deposit. In the event that this happens I will take this case to court and recover every penny that I have lost because of this error and also including legal advices and the cost of not borrowing funds at affordable rates to obtain loan. I have no other issues against BOA and would like to continue doing business with the company. Thank you!

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 2020-10-23
Company: Santander Consumer USA Holdings Inc.
State: AZ
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:
The class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to Equifax disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans  aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later.  Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
You are currently showing balances over my credit limit on these accounts but the accounts are paid in full. Please update this asap as this incorrect information is preventing me from getting a mortgage. 

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

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