BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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 called the 3 Credit Bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}

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 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX listed in collections for XXXX  XXXX XXXX. Just appeared on my credit report all 3 bureaus. I have never been in contact with either and per XXXX  this is fraud that has already been reported. XXXX XXXX XXXX XXXX  and no entity exist now or ever. XXXX XXXX XXXX XXXX  has been list as a fraudulent debt collector operating under various names at the same address in the State of California.

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 2020-05-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX XXXX & I would like to file a complaint on Synchrony Bank XXXX account XXXX. 

I have attempted on multiple occasions to communicate with Synchrony Bank regarding my XXXX  account that they underwrite. The agreed fixed payment with XXXX was contracted at {$85.00} per month, but every statement I receive indicates a minimum payment of greater than that amount. When asked why, I am told that a late fee is added to the amount & thus increases the minimum payment due. The fee is not separated from the minimum payment as a separate charge, so it is impossible to identify why the minimum payment is larger than the agreed amount. 

As of this writing ( XXXX ), all payments due have been made & the account is current, yet the minimum payment reflected on their website indicates the minimum due on the account is {$130.00} ( the contracted minimum payment is {$85.00} per month ). A service representative named XXXX indicated on XXXX that a late fee was added to the payment due, but the payment due date is not scheduled until XXXX. 

A request to change my due date has been denied previously on more than one occasion because the acct was past the due date, but the due date does not coincide with my payroll dates. I have explained this multiple times & no assistance has been rendered & my request for a due date change continues to be denied. 

Please assist if you are able. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 monetary relief
Consumer complaint received 2023-01-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: NAVY FEDERAL CREDIT UNION
State: MI
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 took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. 

WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. 

WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Great American Finance Co
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving numerous calls a day from this company, Great American Finance. I have sent them a request in writing by fax on XX/XX/2020 and XX/XX/2020 asking them to not call my job. My employer does not allow personal phone calls. They talk over me and threaten a law suit, or to call the payroll department at my job. The latest call to my job was from XXXX XXXX, who wouldn't even let me speak, she became very aggressive when I told her I have requested in writing twice to not be contacted at my job. 

The name and address is : Great American Finance Company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
HI I AM SUB

MITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
For over a year now, there has been an ongoing issue with Capital One and their predatory consumer practices. Two of my credit cards, which were paid on time monthly ( and over the minimum ) were illegally closed without warning or notice. I've contacted them directly, I've filed XXXX complaints, and I've reached out directly to their corporate offices. All of which have not successfully deleted the illegal information they reported to credit bureaus. I want this matter solved once and for all, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as XXXX XXXX XXXX account # 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 2021-01-27
Company: Experian Information Solutions Inc.
State: AR
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 closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to Experian who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to XXXX, Experian, and XXXX  as well as supporting documents with no appropriate action

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 2017-09-18
Company: FIRSTBANK PUERTO RICO
State: PR
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:
in 2015 my wife XXXX, we had a mortgage loan with the XXXX XXXX XXXX XXXX XXXX, she was the co-signer on this loan, so I went to the bank and got the approval for a special forbea-rance or moratory of payments for a year period by the loss and mitigation program of the bank because I am a XXXX and the loan is XXXX mortage loan, but regardless I was approved by the bank to not make payments for one year and only pay XXXX dollars per month, wich I paid on time every month the bank still reported to the credit bureau that I was on delinquency on payments or failing to pay. I understand that this is not fair and the bank was supossed to not report to the credit bureau because a was under a legal agreement with them. I expect there has to be a law to protect the consumers tha are under a hardship situation and had complain with the requirements by the mortgage banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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 this may concern, After reviewing the updates made to my credit report. Your company is reporting inconsistent last payment dates, incorrect credit limits, along with inconsistent last dates of activity. According to my credit report, This alleged charge off is over 9 years old your company should no longer report this debt to the credit bureaus. Please delete this alleged charge off from my credit report due to inconsistent reporting, statue of limitations has passed, and lastly due to reporting on debt over 7 years in the state of XXXX 

Kind regards,

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: AL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My personal information was stolen an change in XXXX XXXX causing my personal information be incorrect so I can't uptain my personal asset someone change my identity to calming power of attorney over my asset I never requested a power of attorney over my asset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: CT
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 sent a letter to equifax back in XX/XX/XXXX stating that I have unauthorized hard inquiries on my report along with the FTC report. I never heard from anyone. I called twice, once on XX/XX/XXXX and was told that they would remove these inquiries. I called again on XX/XX/XXXX and put in another dispute stating what I have been through with the other reps at equifax and he assured me that these inquiries would be deleted but they are still on my report. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Shellpoint Partners, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to from the equity on my property. The responses and answers clearly indicates that Shellpoint Mortgage Servicing is hiding critical information and committing FRAUD. Their response is as follows.. First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Third Response : " Shellpoint is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Fourth and latest response include " This is a duplicate complaint! '' *** Level II investigation requested from CFPB!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: National Credit Systems,Inc.
State: LA
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 have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX XXXXNATIONAL CREDIT SYSTEMS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Navient Solutions, LLC.
State: IL
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:
I have debt cancellation XXXX but XXXX in trying to collect on the debt I have faxed documents to for of XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX no resolve I was contacted and told by an advocate from XXXX that she would review and get back to me this was XX/XX/XXXX no response XX/XX/XXXX I contacted the advocate i received an email to confirm the email was received

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Rocky Mountain Recovery Group
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I had a emergency XXXX at XXXX XXXX XXXX in XXXX, WY in XXXX of XXXX, I was given financial aid for this XXXX. They didnt notify me until almost a year later that my XXXX was not covered and started call hours of the day and some night and sold my debt to Rocky Mountain recovery services and they did the same things over and over again, calling multiple times in a day and threatening me and would yell at me over the phone. I believer writing a complain against them before sometime in XXXX or XXXX. 
XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-11-25
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by Certegy Payment Solutions in XX/XX/2020, that an electronic payment was returned and referred to Complete Payment Recovery Services for collection and the item is being reported to a national check verification database as authorized by the Client. 

I called the Client which is a web hosting company-XXXX XXXX XXXX/XXXX XXXX XXXX-and they said neither company would report. The website or product purchased would simply not operate or function if a debt was not paid. 

The threat from Certegy Payment Solutions was that my check writing privileges may be denied until it is resolved. I immediately contacted Certegy Payment Solutions ( see attached ) but was sent another notice XX/XX/2020. XXXX XXXX XXXX confirmed a {$0.00} balance and no payment is due. ( see attached ) They also stated the letter sounds like a spam letter to alarm a customer so that they would immediately send a payment, but no payment is due on their end and they emphasized that if a payment was not received, the website or that particular product would not work.

I accessed Certegy Payment Solutions on the XXXX website. They have done this repeatedly to customers https : 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 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I had an account opened in a large well known Bank in New York, XXXX said I could only have access to it by means of an ATM Card, which I do not have a problem with, but when they decided to send it they suddenly said it had to be insured!! As I had already asked for a copy of the front and back of the card, I noticed there was no three digit code on the rear!! I have never seen a card without this code!! When I questioned them the said it would be given to me together with the pin code upon receipt of the card, which I find unusual but not a real problem, they also said thus was for security purposes!! 
So if this is so why charge insurance?? 
There only answer was that unless I paid I would not receive the card. 
Sorry but I find this intolerable and more like a scam?? 

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 2023-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am closing on a home in a week and need to transfer funds to my title company. Capital One 's system will not authorize the transfer and I can not do it in person. I've had the same phone number and account for over a decade, no issues in the past and they will not authorize me to make a wire transfer.

Company response to consumer: Closed with explanation