BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX credit card and have had it about 4 months. My credit limit was set at {$500.00} and my minimum payment was $ XXXXmonth. I just made a payment of {$300.00} on XX/XX/XXXXwhich dropped due balance to {$200.00} but I wo n't have access or use my card until  XX/XX/XXXX because I made a larger than minimum payment. My payment cleared my bank account XX/XX/XXXX effective XX/XX/XXXX when I made the on-line payment. The payment posted on XX/XX/XXXX but I ca n't have access to it until XX/XX/XXXX. I have argued with two people on the customer service line ( which is another nightmare just trying to talk to a real person ) and asked why they would punish a customer for making a larger than minimum payment and not letting them have access to their money to spend in their store. All I got were apologies and saying it was a policy with risk management. I asked how can I be a risk making a larger than normal payment and they were taking it directly from my checking account? I want access to the money I paid on my card as soon as it clears my bank.

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 2019-02-07
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: Account information incorrect

Complaint:
I have a credit card with XXXX XXXX XXXX XXXX. I have always made my payments on time. I recently decided to look at my credit report to see my fico scores, and then I realized that there was a late payment showing on my credit report. As you can see, I have always had a stellar payment record with XXXX. I tried contacting both Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX are reporting me 30 days late. This is definitely an error on their part. I was never 30 days 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 2019-02-08
Company: GREAT LAKES
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:
In the beginning of XX/XX/2018, I received alerts informing me that my XXXX credit score went down 73 points and XXXX credit score went down 43 points due to a balance increase. I contacted Great Lakes asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted XXXX and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the 73 point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: MI
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:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to XXXX XXXX. XXXX ; XXXX ) et seq. 


Name of Account Type of Item Account Number GM Financial Auto LoanXXXX Charge-Off XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with XXXX different balances of high credit. 
3. Account is reporting with XXXX different dates of last activity. 
4. Account is reporting XXXX different dates of last payment. 

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same. 


Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report. 

Please do not update or verify this information again without doing a due diligence investigation. 
Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. 


I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( XXXX ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX XXXXeport

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: DISCOVER BANK
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My funds are on hold with us bank ReliaCard after verifying my Identification over 5 times. I verified my identity with unemployment and now I have to continue to wait until they get around to verifying me. I submitted my identification again today and again they told me to wait 3-5 business days. Im going to be homeless if this continues. This is my last resort please 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 2021-05-10
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
equifax has an account on my report for financial management solutions for XXXX ive sent dispute letter on XX/XX/2021 and didnt get a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was told that I could not open an account with Bank of America because of a delinquent account from 2011. But I am only XXXX years old so common sense should tell them I could not have opened an account with them in 2011 because I was still a minor in 2011. 

I have no knowledge of this 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 explanation
Consumer complaint received 2019-02-07
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we lost our home in carr fire, we had insurance which the total was XXXX. This amount was sent to Ditech financial who held the deed, we have been on time for many years and only owed XXXX. They have paid off the loan on XX/XX/2019 and sent us the letter ending our relationship with a paid in full, and we have recieved the deed. They have yet to return the remainder of our insurance claim which is XXXX XXXX. We remain XXXX  because of this and haven't been able to replace our home, we have made many attempts to find out why. They have continued to refuse to allow us to speak to anyone in charge about this issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report and saw all these inquiries in one day and other I did not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
in XX/XX/2017 we in Florida were hit by the hurricane, I had problems with my work, I called this card to make payment arrangements, we agreed to only pay {$80.00} dollars for a year. at the end of the year they raised my interest and my minimum payment without my consent, now they started charging {$110.00} dollars of which only XXXX dollars go to my favor. I called them to work with me but they have no answer. today I owe more every month. My doubt right now is {$4600.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: EQUIFAX, 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:
Hello, I have called this company numerous times to get this issue resolved but this company is refusing to assist me during this fraud case of someone purchasing a car in my name. I have asked the company countless times to please provide me with a the exact contract executed so that I can review it and confirm that I was not the purchaser but they never complied. I am now asking for this agency to assist me because this untimely error has caused me a ton of grief and struggles financially please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a XXXX XXXX in XXXX financed with Toyota Financial Services also known as TFS. I called TFS on XX/XX/XXXX and inquired about the fastest way to pay off my loan and get my title, I was advised to submit payoff on www.toyotafinancial.com, I submitted my payment on XX/XX/XXXX of the amount of {$23000.00} directly on www.toyotafinancial.com, I received a confirming email on Monday XX/XX/XXXX from Toyota payment receipt, ( email attached for docs ) also the funds were withdrawn out of my account on XX/XX/XXXX ( bank activity attached ). today is XX/XX/XXXX and my account is still showing as the open balance of the payoff amount, I have contacted TFS on the XXXX and spoke to XXXX ID, XXXX, I was advised that Toyota haven't received my payment even though I have the confirmation email and my bank statement, I requested to talk to a manager and I was told there are no managers to talk to and to call on Thursday to get a status. frustrated I waited until Thursday but couldn't get through to customer service. I called today Friday the XXXX and spoke to XXXX Id XXXX, I was told that the account is still unpaid and I have to wait until next Thursday the XXXX to get states again a requested to speak with a manager and was told again there are no managers I can speak with, XXXX inform me that they see the payment on the Toyota 's site but can't apply it to the account, she also stated that she spoke to a resolution manager and there is nothing they can do for me at this time. I need help resolving this issue, I need to get my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I filled an online application with HSBC Bank to open a Advance checking account and was declined with no explanation.The application reference is XXXX.I sent a letter on XX/XX/XXXX requesting the reason for the denial and have not heard from HSBC. 
I believe my application was declined for no valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to all three major credit reporting agencies I noticed Jefferson Capital Systems , LLC reporting inaccurate account, witch claims I allegedly owe to this company. The Collector must make all required disclosures clearly and conspicuously in writing by sending this information you are violating Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. This prohibition applies to all persons engaged in commerce. As per section ( b ) Duties of furnishes of information upon notice of dispute. failure to prove validity must be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Consumer Financial Debt Services, LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I get a call at least 1 time a day trying to sell me a service where they can do debt consolidation for me. I DO NOT HAVE ANY DEBT!! And I tell them this every day & ask to be removed from the list. Most of the time they pretend to put me on hold & then I get hung up on. It is maddening that they can call cell phones & not be in trouble for it. I hope that is changing. I block the number from my phone every time i get a call & they call from a new number the next day.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was getting off hang up Miss directed or solitary unknown transactions fine basically I want to go through or have you guys go through to see if he's okay

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 2022-01-07
Company: EQUIFAX, INC.
State: OR
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Experian Information Solutions Inc.
State: TX
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: Billing dispute for services

Complaint:
Step 1 : XXXX XXXX XXXX added a delinquent payment into my credit report without EVER contacting me about this late payment. Their claim is that my number was on a " Do not call '' list ( which I definitely didn't request to be on ). I am a co-signer for my mothers account. I was unaware that she had missed a payment. XXXX has my number on record and failed to call me in order to charge this payment, because of their excuse I was on the do not call list. So Instead, they submitted this late payment into my credit report, which has subsequently greatly damaged my credit. 

Step 2 : I have since signed up for auto-pay with my bank information so that a late payment will never happen again ( and my mother is now paying me monthly ). I also wrote a letter to XXXX explaining the mishap and kindly asked to remove my late payment from my credit report. ( Especially since XXXX 's negligence has greatly impacted by ability to currently obtain a mortgage ). 

Step 3 : XXXX responded with a letter stating " we have researched our records and have determined that the information reflected in our records is correct and are reporting your account to the credit reporting agencies '' Step 4 : XXXX XXXX XXXX never offered me a chance to make this payment. They never called, emailed, or wrote me a letter about this payment, yet they still reported me to the credit agency. 

I would like XXXX XXXX XXXX to fix what was wrongly done. 

Companies Involved : XXXX  XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account was repeatedly reported late while I was still in school and my loans were on deferment. My credit report reflects late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX during a seasonal low period in my business, I was extremely cautious of my balances in our business checking account. Our payroll hit our account on XX/XX/XXXX, first thing in the morning I ran to the bank to make a deposit to cover 3 of the 14 debits as the funds were there for 11 of the debits. The unethical bank or banking practices took the debits before applying the credit in the same day. They charged me 14 x $ XXXX= {$530.00} in overdraft fees. I tried to work this out at the branch, they gave me a courtesy credit of {$190.00}, although it was appreciated, I was made aware of XXXX XXXX unethical practices, they settled a class action law suit in XX/XX/2012 but I feel they are up to their unethical practices again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX falsely accused us of not returning our phones when we did. Now Afni is attempting to collect the debt. I have not received anything from Afni or know who Afni is. I've disputed this debt on my credit report however is remained without any documentation with XXXX, XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: OR
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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