BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-14
Company: EQUIFAX, INC.
State: FL
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:
m disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my savings account with Synchrony Bank years ago, but I keep receiving emails from the bank saying my statement is ready. Ive called multiple times to confirm my account is closed, which is confirmed on the calls. When I inquire why I keep receiving statement ready emails, the bank says they dont know. There is no way for me to unsubscribe, and the bank says theyll look into it, but I keep receiving these SPAM emails I dont want, and are not helping to service an account since the account is closed. I want these emails to stop.

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 2020-11-14
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert that a collection popped up from Medicredit that I had never received notifications about, no phone calls or letters. After intense research ( because their website is not user friendly when you have never received a bill with an account number! and there is not a reliable customer service number ), I discovered that the bill in question was from when my son visited the ER at XXXX XXXX last year. Due to a divorce agreement, since I carry insurance on my son, his father is responsible for his medical bills which XXXX XXXX has documentation of. I will be in contact with the billing department on their next business day to get this straightened out, but I am filing the complaint against XXXX because despite that I have had no contact with this company, no phone calls, letters, anything to give me a chance to figure out the origins of this bill and my right to ask for a debt validation they had no problem reporting it to my credit while I am in the middle of a home purchase. This company should have noticed that they did not give me my right to ask for a debt validation and should have noticed that they have not been in contact with me over this matter ( because, it is not my bill.. ) before destroying my credit while in the middle of a home purchase! 

I have attached screenshots of mine and my ex husbands XXXX XXXX accounts under the billing section with the children 's names listed that we are guarantors of and a screenshot of an EOB from the visit the bill originated from with my sons name on it. I also have attached a screenshot of the demographics that is on my sons XXXX, which is his dads address and other contact 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 2018-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is related to an XXXX XXXX Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by XXXX and my credit score drops 160 points for a credit card default of {$15000.00}. I call XXXX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that XXXX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. XXXX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.

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 2018-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I applied for an auto loan and they did not approve the amount I needed and never disclosed higher interest rates with me. 

I decided not to take the loan with Wells Fargo.

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 2021-04-07
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:
Experian has refused to correct inaccurate public record with them. 
They claim Bankruptcy is being reported as accurate by XXXX XXXX. 
On XX/XX/2021 XXXX XXXX has fixed issue and deleted public record of Bankruptcy on my report. 
I have sent in copy of deletion to Experian and proving it was inaccurate and they have deleted it from there file. 
Experian has refused to correct my file and has claimed it is being verified as accurate. 
No other credit reporting agency has this on my file and Experian has refused to stop reporting inaccurate 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 2020-08-24
Company: Navient Solutions, LLC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written good will letters to take off late XXXX payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$8900.00}

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 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Investigation took more than 30 days

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 2020-10-15
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My original account maturity date was on XX/XX/2020 but then it was extended twice to XX/XX/2020 I was making payments on time and now after my account reached the maturity date I was shocked by outstanding balance of more than XXXX $ which is not acceptable and does not make any sense I have been paying for my car for over 6 years and I believe that this bank was overcharging me the whole time There is very high interest about 26 % and I already paid about XXXX $ as a down payment I believe there is so much fraud about my contract and there is a lot of inaccuracies regarding my principal, interest fees and late fees that made me overpaying for the car And now after I reached the maturity date they want me to continue paying this unexplained balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to write to day about the following accounts with Portfolio Recovery Associates : 1. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$380.00}. 
2. PORTFOLIO RECOV ASSOC, account # XXXX, Date Opened XX/XX/XXXX, Original Balance {$1100.00}. 

Portfolio Recovery Associates has been committing many violations to my rights as a comsumer since a long time ago. Some of those violations are : - Both accounts have been re-aged and have incurred post-charge-off intrest. 
- Incorrect and inconsistent last activity date. 
- Ive been been getting excessive phone calls from automated dialers from Portfolio. This is a violation of the CCPA. 

All I am asking is the mentioned accounts to be removed from my report. 

Please send to Portfolio the documents that I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days, so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-04-07
Company: Winklevoss Exchange LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with XXXX XXXX XXXX on XX/XX/2020 sending them {$500.00} to purchase XXXX cryptocurrency. I sent another {$500.00} on XX/XX/XXXX. I would now like to sell my XXXX and now find out that my account is frozen. I have been trying to speak with someone for XXXX  days XXXX sending many emails every day XXXX now to unfreeze my account. I also called and was only able to leave a voicemail to which I have not received a response. I went to their XXXX page to see if I could contact them there. They do not let you post a message but after reading the comments about a credit card they are issuing, I found many disgruntled customers who are having the same problem, many of them up to XXXX weeks ago. 
Since I do not want to wait XXXX or more weeks to hear from them, I am lodging this complaint hoping you can do something. It almost seems like there is no one there. Is this a scam company? I am getting worried I have lost my money. This company seems to have good good reviews on the internet but how can they operate if they won't help a customer? I would like them to unfreeze my account so I can remove my money because I don't want to do business with a company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: EQUIFAX, 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:
XXXX XXXX, account no.XXXX is wrongfully appearing on my EQUIFAX credit bureau report.I opened the account in XX/XX/2015.The payments made for this account were for usage and a XXXX XXXX XXXX PHONE.All payments were made on time as I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep., settling the account.He tried to sell me a newer phone, a newer XXXX phone for {$600.00}. 
I said I WASN'T INTERESTED but there was SALES PERSISTENCE.Finally he said we will cancel everything, I WOULD NOT BE CHARGED as everything was settled to XXXX BALANCE.I kept the same phone number and transferred to XXXX XXXX. 
The entire debt is fraudulent! I owe nothing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX : {$370.00} XXXX XXXXXXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a registered letter dated XX/XX/2018 to the company, to validate the debt and send me a copy of the validation of the debt with the company which they did not do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$9300.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my 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 2022-10-05
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
What are you people doing? You sent me a notice saying you had a company response then you don't allow for me to read it. Complaint number XXXX. I have explained for 2 months these are not my purchases. I finally got the account closed. Now I was just notified by XXXX XXXX that they have reported me for being 30 day late on the account. This is a fraudulent billing and I have indicated I will not pay it, Ever. I need your help, not just a notification to the company. How do I stop this nonsense without you intervention?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/19 Auto pay benefits were cancelled because of one auto loan payment was reversed. 
I contacted the company but would not direct me to a supervisor. Giving me the run-around and putting Menon ridiculous wait times. 
I have suffient funds in my account. 

I have made loyal auto payments for the past few years and they cancel my benefits to lower my interest rate because of one incident. Navient was forced upon me and I have no choice but to agree to predatory terms and agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi : Incorrect payments, Misleading Payment settlement, Refusal to send Payoff I was sent a notice that my payment obligation is transferred but this provider and their system is not prepared at all to handle this transfer and servicing. 
I continuously observe lapses in all the tasks. 
1. Loancare did not credit the money properly after transfer. I had to followup to ensure the money and i was informed then that they a new account number which they did not inform, marking as delayed payment 2. Loancare unauthorized escrow payments disbursal, multiple times for the same service. This resulted in huge inconvenience to followup for cheque reversal.

3. Payment disbursements were effected in duplicate and 6 weeks before due date 4. Following this, I had sent at least 20 emails and 15 telephonic calls and I was not able to reach the customer service. With those who i managed to talk, do transfer me to the right contact who never will pick up the phone. My issue is still unresolved and time is now 6 weeks past 5. I accidentally learned that my last payment is placed under suspense account, triggering interest payments with no information. I hear that they are charging me interest of {$100.00} for the money that was not received, but placed in the suspense account. Repeated calls to customer service were not received nor call back. 
6. I have submitted multiple request for pay-off statement and they did not perform. They say 24 hours but it has already passed 4 days with no attention. 

Such consistent failure has fueled doubts in their capability and strongly suspect of their integrity in delivering accurate amount without fees.

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