BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: Experian Information Solutions Inc.
State: VA
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:
This is me writing this complaint. I know you think regular consumers do not follow or know the law, but you are sadly mistaken. Do not send me anything requiring more information because you have everything you need to verify my identity, my credit file, and you know the inaccurate account that needs to be removed from my account. Do not send or reply back with anything telling me this is not me writing this complaint. 

I currently have an open CFPB complaint with Experian for their disregard to investigate my claim stemming from a letter received before XX/XX/2021. It is now XX/XX/2021, which now makes it OVER 60 days since they have failed to do a reasonable investigation pertaining to an inaccurate account from XXXX  XXXX XXXX in my consumer credit file. 

You have failed to respond in writing to my dispute and have failed to conduct a reasonable investigation in over 60 days. If Experian had done so, they would see this information is inaccurate, in addition to me providing them with knowledgable documentation that they are reporting inaccurate information in regards to a XXXX  XXXX XXXX account on my consumer credit file. 

You are in violation of 15 U.S Code 1681 for inaccurate and unfair reporting methods. You are willfully and knowingly furnishing information you know to be inaccurate according to 15 U.S Code 1681n and 15 U.S Code 1681o. I will seek to receive no less than {$1000.00} per violation in addition to actual and punitive damages for this inaccurate information. 

You have not only failed to remove this inaccurate account from my consumer credit file, you have also appeared to re-age this account. Experian has updated and changed information on this account with no communication with me and they seem to do so as they please as if this is not MY consumer credit file. 

I have also requested a description of the reinvestigation procedure in the past and they have not sent me that information within 15 days according to 15 U.S Code 1681i.

I have kept every single piece of communication between me, the consumer, and Experian, the credit reporting agency, and will use this information in federal court if I have to.

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 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have explained to Transunion that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.

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 2021-10-07
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: Investigation took more than 30 days

Complaint:
I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account was open for twice now. I did a dispute XX/XX/2021. They opened XX/XX/2021 for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the account on XX/XX/XXXX OnXX/XX/XXXX it waa still showing delinquent I called the company and was advise they were not informed of the payment untilXX/XX/XXXX and it will take 30 days to be removed from my credit. On XX/XX/XXXX its still reflecting as open and unpaid.

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 2021-04-29
Company: Zillow Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home using Zillow Home Loans in XXXX. I received a notification in the mail that my mortgage was transferred to XXXX XXXX  effective date XX/XX/XXXX ; however, I still got a bill from Zillow Home Loans at the same time as I got a bill from XXXX. 

I called Zillow and they insisted they have no record of the my loan being transferred and i should continue to pay them. Which I did. 

On XX/XX/XXXX I received an urgent call from XXXX telling me that they are starting the collections process for not paying them the payment. 

Based on the aforementioned letter I received, and after doing some research and confirming XXXX XXXX is a legitimate mortgage lender I made my payment to them stopping my payment to Zillow. I contacted Zillow and after speaking to multiple reps who were not equipped to say anything except reading from their computer screen " no sir, your loan is with us '' I was finally escalated to a manager on or about XX/XX/XXXX who confirmed that the system may not have been updated to reflect the transfer and entered an research request. I was supposed to be contacted with a resolution on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I received a collection call from Zillow. It took another 30 min on the phone for the person calling to realize that there's a case open so maybe they shouldn't be trying to collect. 

By the way the service provided by the reps is definitely sub par because every time I explain to them what is going on, they ask me " So what is your reason for not paying? '' Right after I spent 15 min explaining that my loan was transferred and I'm paying the new company and that I will not be paying my mortgage to two different companies. Zero listening skills. 

I contacted Zillow again on XX/XX/XXXX thinking I would give them a little extra time to research the issue. They got me to a manager who confirmed that the case is still open though that should not have been the case as it was supposed to be complete on XX/XX/XXXX. The manager I spoke to on that day was helpful in spite of her trying to talk over me for most of the conversation and entered another research request which is still not resolved at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an atm card and pin setup info for an account opened in my name. I NEVER opened this account! Clearly someone has used my identity to open this account. When I called PNC I was told they couldnt help me unless I gave them my SS #. I was not going to give that out to a bank who clearly had not done their due diligence in the first place! Eventually, they said they would help me and would submit it to fraud to get it shut down. When I asked that they send a written statement informing me it was indeed shut down they said they dont do that. They told me if I am still concerned I should just call and verify!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have five loans with Navient ( formally XXXX XXXX ). I wanted to pay more than the minimum payment and apply it to the loan with the highest interest rate, pay it off first. I was told twice by a customer service representative that I was unable to do so I have to pay the oldest loan first ( which has the lowest interest rate ). I accepted this and moved on. I have been researching recently ways to pay down my debt faster and found that I was given false information from my student loan provider. I have extraordinarily high interest rates on these loans. I am not on a payment plan I pay full principle and interest. I simply need to make progress on these high interest rates. The amount that gets applied to my principle keeps decreasing while interest is increasing. I don't agree with this either. I think my payments are being applied incorrectly. I had a loan for {$1500.00} in XX/XX/XXXX and I still owe {$1100.00} I started paying this ins XX/XX/XXXX. By my calculations, this should be paid off in XX/XX/XXXX, but they are stating XX/XX/XXXX. Something isn't right. I am not making any progress on my payments because of the incorrect allocation of payments and the incorrect information I received. 

Also, my payment per month is steadily increasing as well while I am still paying more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: MO
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:
How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Here 's the timeline. 
XXXX : by Goldman Sachs took over the XXXX XXXX cards. 
XX/XX/2022 - Payment was sent in the amount of {$720.00} XX/XX/2022 - Check was cashed by Goldman SA ( Per image of the check when it cleared my back ). 
XX/XX/2022 - A payment was processed on my Card for {$720.00} XX/XX/2022 - Check Payment ( REVERAL ) hit my Card, {$720.00}, and XXXX interest charges of {$3.00} and {$14.00} were added. 
XX/XX/2022 - Called in to XXXX, to figure out what happened. I think a dispute was opened. 
- Later that day, my wife called to check her balance, and it was a - {$720.00}. 
- The issues is that these accounts are unrelated, and her account even had our last name misspelled. They should have never moved any of the payments from one card to another. And no one from my household opened any type of complaint with them.

- I feel that I'm just lucky that this happened to me and my wife, what would have happened if this was a stranger 's account?

- I've been on the phone with them at various times for more than 3 hours, have to explain it again every time I call in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am very disappointed with Lowe 's Synchrony Bank. Every time that I get a promotion they like to join all the purchases in one statement no matter the amount, date and year. Today, I was checking my statement and I notice interest charges, I called customer services and Ms. XXXX said that I did not have any interest charges unless I pay late or I went over the time. So, I end the call and I went back to my statement, but I went to see the second page and I noticed they really were charging interest in one of the account. I called back, the another member answer Mr. XXXX, I explained to him and asked whey they were charging interest on that statement because I always pay on time and I pay more then the minimum payment, so I don't pay late fee or interest. I was astonished when he said that I had called then and they recorded that I requested to change one of my special promotion to be regular and that is why it was a charge of interest. I was so upset and I told him that I need that recorded request and I need it to speak with a supervisor. So, he transferred me to the supervisor Ms. XXXX and I explained to her what Mr. XXXX said to me. Then she put me on hold and when she came back, told me that was a mistake from them, but she could not give any credit of the interest they have been taking every month on these promotion accounts because is been for a long time they have been charging this. I told her that was not right because it was not my fault, but she said she felt sorry, but nothing she could do. I asked again, nothing at all, then she said well I can give you the last two month of {$6.00} and I told her, you all have been taking {$3.00} every month and she repeated again I am so sorry but nothing I can do. This is not the first time they do this. They do the mistake and we as customers we pay for their mistakes. Very bad. I don't know if I am going to use any more that credit card and the thing is that Lowe 's does not give any support to their customer on this kind of situation. I also, called Lowe 's, but they said nothing they can do because I need to fix this with Synchrony Bank. This Bank is locate at XXXX. XXXX XXXX and their number is XXXX. I put a complain at XXXX but hey have a request from Synchrony Band to ask the customer to get in contact with Synchrony Bank before. I did put the complain, but I saw on XXXX a lot of people had put a complain on XXXX and no resolution with this 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 2022-08-06
Company: DISCOVER BANK
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discover Bank suddenly closed my checking, savings, and money market accounts without prior notice on XX/XX/2022 and denies me access to any of the over {$310000.00} combined in these accounts. They refused to allow me to access the money, provide payment for the balance, or provide a reason for closing the accounts. I was informed that this was " a business decision '' and that I may receive a check in the mail for the balance in these accounts within 60-90 days. I have no access to any of the money, which represents nearly all my financial resources, including my direct deposit paycheck. I also have no access to any account information, statements, documents ( including tax documents ) or account balance to determine if any of my bills paid through their XXXX service were completed. They would not provide me with any reason or cause for this abrupt account closure, although I have been an excellent customer without any prior complaints, deficiencies, account or transaction problems. Obviously after this egregious business transaction, I have no interest in maintaining a financial relationship with Discover Bank, but they have effectively frozen all of the financial assets from the recent sale of my home, which will prevent me from completion the purchase of a pending sale. In return, they have denied me any resource for action or resolution, and not even provided cause for this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter by Synchrony Bank that they closed my carecredit account. My account was paid in full in XXXX. I had used it back in XXXX of 2019 and made payments on my pet vet cost. One of your representative I spoke to during the holidays contacted about one missed payment in which I never received a bill. This representative after getting off the phone with me reduced my credit limit. Anyways, I paid the debt owed. Now after months of not using the card, the company wrote me saying that they have closed my accounts due to Not enough avialbe credit, unpaid collections and I have paid that account. I don't appreciate who ever it that handled my account. I don't want to use this credit card ever and I think it ashame how this company treated me. The representative who sounded like an XXXX man, came off very discriminating. I don't know if it was on purpose but he needs training on diversity.

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 2023-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To whom it may concern, I have disputed Portfolio Recovery Associates on behalf of XXXX XXXX Bank XXXX for the amount of {$110.00} in the past and never received anything back within the 30 days allotted so this account should be deleted/removed from my credit profile on XXXX, XXXX, and XXXX. 

The original dispute was regarding the validity of this debt because I only have XXXX XXXX XXXX credit cards and they are both current. I am not sure where this {$110.00} collection is coming from. I have had a credit card past 7 years ago in the past from XXXX XXXX, but as you see in the attachment, what is being reported on my credit is that it was opened XX/XX/XXXX and last active on XX/XX/XXXX. Which again, not really sure where this collection is coming from. 

Please help me get Portfolio Recovery Associates on behalf of XXXX XXXX XXXX XXXX account deleted/removed from my credit profiles on all three bureaus. 

Thank you, XXXX XXXX Account Name : Portfolio Recovery Associates XXXX XXXX XXXX Bank XXXX Account Number : XXXX Amount : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: QUALITY ACCEPTANCE LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I totalled my car and Quality acceptance was paid and now they put my left over loan as a collection/ charg off after we talked about me trying to pay it off or get refinanced through someone else for a new vehicle. Covid-19 is going on we all our struggling this is ridiculous. I paid my car not on time.

Company response to consumer: Closed with explanation