BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I didn't sign-up for their extra feature service and later when I contacted them they are not responding, I sent emails as well but no help or contact from their end so I want to remove this account from 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 explanation
Consumer complaint received 2019-08-24
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to send me robots calls and text messages saying they are synchrony bank and I have a debt with ashley furniture. There's nothing in my. Credit report and I've never been there. It's frustrating because they call multiple times a day, and I feel like that's violating my rights. They have been doing this for a couple mo these and its progressing to 3x a day. I can provide the text messages and further calls from my previous phone if needed.

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 2022-06-10
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
My PayPal was account was just limited permanently for no reason That was not fair to me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: SUNRISE CREDIT SERVICES, INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never authorize anyone to use my personal information to agree with any terms your company may allegedly have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Nelson Cruz & Associates LLC
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: Account status incorrect

Complaint:
Nelson Cruz and associates agreed to pay for delete all entries to all credit reporting agencies to which they report. Final payment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: DISCOVER BANK
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services concerning their refusal to provide me access to my own credit, which I believe constitutes a violation of Title 15, Subsection 1611 of the United States Code . Discover 's actions have had an adverse impact on my consumer credit, as described under 15 U.S. Code 1681. 

On XX/XX/2023 I applied for a discover card online. The terms and conditions do not expressly tell you that the application is turned into an asset backed security and sold so the company can profit whether credit card is approved or disapproved. I was denied credit, then upon researching the company 's filings and I read how they profit from the application, I immediately contacted discover and expressed my concerns.

Discover response with their decision stands.

I have attached relevant documentation, including correspondence with Discover, to support my complaint.

I am deeply concerned about more than just the denial of access to my credit. I have reason to believe that Discover Financial Services may be involved in securities fraud. According to the company 's annual reporting ( 10-K ) and indenture agreement on file with the Securities and Exchange Commission ( SEC ) , the credit application I submitted to Discover appears to have been turned into an asset-backed security. This raises serious questions about the legality and transparency of their financial practices.

Given these concerns, I believe it may be important to involve the Federal Trade Commission ( FTC ) in investigating how many applicants may have been affected by similar actions by Discover Financial Services.

I kindly request that both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) investigate this matter thoroughly and take appropriate action against XXXX File Number XXXX Discover Financial Services XXXX ( I.R.S. Employer XXXX XXXX. ) located at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX for their alleged violations of federal laws, including potential securities fraud. 

I also request that the CFPB assist me in resolving the issue of denied access to my credit and ensure my access to accurate and complete credit information. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN 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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want these accounts to be removed from 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 explanation
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 my checking account at Chase Bank was charged {$610.00} for a transaction that was done by XXXX XXXX, in XXXX, XXXX, for XXXX flights from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then from XXXX XXXX XXXX XXXX back to XXXX XXXX for 2 women named XXXX and XXXX XXXX XXXX This info I received by e-mail from XXXX XXXX confirming flight information. As soon as I saw the charges on my account, which was XX/XX/22, I notified my bank, and that debit card was replaced with a new one with a different #. I filed a dispute with their Consumer Claims Dept., and at first they took the charges off of my account, and then put them back on. I called to find out why and was told that after investigating the transaction, they decided that I either made or authorized the transaction. I have been banking with Chase for about 20 years, and have never made a transaction like this, and I have never authorized or let anybody use my debit card. I contacted Chases Consumer Retail Dept. and they responded saying that the merchant had proof that I benefited from this transaction and that the case was closed. I wrote them back saying I never made or authorized this transaction, and was told the case was closed and I would receive something in the mail. One other thing the bank did send me an " unusual or suspicious transaction notice '', but had already allowed the transaction to go through. When I asked them if they knew the transaction was " unusual or suspicious '' why did they allow it, instead of putting a stop or freeze on it, they wouldn't answer me. The claim # I filed with my bank is # XXXX. Please help me, I don't know where to go or who to talk to. Personally, I think XXXX XXXX or an employee of theirs committed this fraud, but I don't know. My bank knows what my transaction history is and they should have never allowed this to even happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-16
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
delete fraud charges no knowledge of account please remove off credit report credit control services inc.. XX/XX/2021

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Consumer Real Estate Finance Co.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This company has been a nightmare to work with. After 6+ weeks working on our mortgage and being told " everything is good to go '' we find out at the last minute ( 2 days to go ) that everything is delayed. We are well qualified, have a substantial down payment ( around 40 % downpayment ), have provided everything they asked for, and have been assured that there are no problems. Then they dropped out of contact for about a week on XX/XX/XXXX ... We have sold our current home and the buyers are to take possession this weekend. We are scheduled to close the purchase of our new home today ( Thursday ) - the seller of that house needs the closing proceeds to purchase her new home on Friday. We have contracted with a moving company ( a 2-3 truck across state line move ) for tomorrow, Friday. The penalty for delay with them is $ XX/XX/XXXX/truck/day. I have repeatedly asked XXXX to speak with someone else at XXXX - someone who has authority and answers. I did speak with XXXX, who said he would have his boss XXXX contact us, but it hasn't happened. Although promised repeatedly, we have yet to be provided with an interest rate or closing disclosure. The processor keeps asking for one little document ( often one we've previously provided ) at a time. Then apparently everything goes back to the underwriters and the whole cycle of " we just need one more thing '' starts all over. Every day we are promised the closing disclosure and it hasn't happened. We still have no real confidence that this loan, that was supposed to close on the XXXX, will close anytime soon. We have a buyer wanting to move in our ( now sold to them ) house. We have movers scheduled for tomorrow ( XXXX ) who will charge us $ XXXXday/truck if the move is delayed or they end up with our stuff on their truck and unable to deliver because we haven't closed on the new house. We have a seller in SC waiting for us to close so she can buy her new home and move in as she's contracted to do. I am obligated to have a professional top to bottom cleaning of the house we've sold and it's stacked with boxes and furniture that we can not move. The cleaning company has to try and reschedule their other work to be available to clean here if/when we can close on our new house. We applied for this loan on XX/XX/2020 with a closing date of XX/XX/2020. I wish I had documents to attach to this, but other than emails promising we will get something soon we haven't received anything. I hope this will get their attention, and also will give a heads up to those thinking of doing business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I opened a new credit card with American Express. American Express did not email me when the payment was due on XX/XX/XXXX but I noticed myself on XX/XX/XXXX and immediately paid off the entire statement balance. I also enrolled in autopay. Several days later I was charged an entire month 's interest on not only the statement amount due, but the amount due for the following month. When chatting with an American Express representative, I was told I would be charged an entire month 's interest for both months despite only being XXXX day late on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Information belongs to someone else

Complaint:
My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through XXXX financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through XXXX financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted XXXX financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from Experian at the end of XXXX indicating that the claims on my credit report would stay because XXXX financial services told Experian that they determined it was not fraud. I then received a call from XXXX stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at XXXX XXXX services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed XXXX XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. XXXX financial services clearly do not care about my circumstances as they obviously did very little ( if anything XXXX to investigate and resolve this situation of identity fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 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 I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
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 am aware of all my rights, that I have, and which are protected by the Congress under the Fair Credit Reporting Act. The list of accounts below violated my federally consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete these accounts immediately according to 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, 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 information incorrect

Complaint:
My credit report with Equifax shows multiple invalid account that are causing detriment to my score. My report is showing XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ) as charged off. That information is invalid. My report also shows XXXX XXXX, and XXXX  XXXX ( Reported XXXX on my report dated XX/XX/XXXX, XXXX and XX/XX/XXXX ) as Hard Inquiries. I have never interacted with any of these companies listed which means this information Is invalid. I have requested for Equifax to remove these invalid accounts or validate them. However, I have not gotten a response or action from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: UBS BANK USA
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been on a hardship payment program with UBS bank credit cards. They ended my hardship program and are threatening me with attorneys even though I have continued to send payments as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: ECMC GROUP, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep receiving calls from XXXX XXXX XXXX XXXX, a Rep by the name of XXXX. I have no idea why she is constantly call me regarding some unknown debut.

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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1666B : States that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
REMOVE THESE LATE PAYMENTS AND UPDATE THIS ACCOUNT IMMEDIATELY AS YOU ARE IN DIRECT VIOLATION OF EVEREAL LAWS UNDER THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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: Investigation took more than 30 days

Complaint:
Equifax has Violated 15 US Code 1681c-2! They have denied receiving my letters to them, they have also denied receiving communication from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Premier Student Loan Center
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was grandfathered in with Premier Student Center has been partnered with first XXXX whom were involved in a lawsuit. Premier Student Center then transferred my file to XXXX XXXX XXXX and in XXXX of last year I was sent a notification that Premier Student Center was in a lawsuit. The first school I attended was XXXX  XXXX University that was in a lawsuit and now XXXX XXXX XXXX is charging XXXX daily for interest that is way out of hand. Can someone find out about the money that I have tied in with the Premier Student Center and to get in touch with me to know what is really going on with the whole situation that was supposed to be a forgiveness program.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-16
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I formally filed for bankruptcy on XX/XX/XXXX, after filing I called multiple times letting Credit acceptance know that I filed bankruptcy. I was then told that they were able to see the bankruptcy and receive notification. They gave me a hard time but eventually stop trying to collect on the XXXX XXXX XXXX in the XXXXXXXX XXXX. I started I wanted to retain the property and redeem it for current property value, which was {$2400.00}. 

I received confirmation from the United States Bankruptcy Court of the Southern District of XXXX that you all were contacted via email about this bankruptcy. An email was sent to XXXX on XX/XX/XXXX at XXXX, which was the day I filed notifying them that I filed XXXX XXXX bankruptcy. Credit Acceptance was contacted again when I had a telephonic meeting to have a representative present on XX/XX/XXXX at XXXXXXXX XXXX and no one showed up. Again, Credit Acceptance was contacted at XXXX on XXXX XXXX XXXX XXXX of the dismissal and agreement. No one reached out to me. Then I received a letter dated for XXXX XXXX, XXXX of repossession.

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