BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: SYNCHRONY FINANCIAL
State: PA
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:
To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Synchrony Bank/Amazon XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the XXXX XXXX XXXX XXXX ( XXXX ) with Fedloan Servicing. On XX/XX/XXXX and XX/XX/XXXX I uploaded my Government Employment Verification forms. Fedloan took a look at these documents on XX/XX/XXXX. Since the Department of Defense, XXXX of my former employers does not verify employment. I uploaded my XXXX and XXXX XXXX on XX/XX/XXXX. Fedloan Servicing asserts that XXXX of my payments are eligible payments towards loan forgiveness, BUT I do not have any Government work history verification. I have made multiple telephone calls to Fedloan Servicing and I am on hold for about XXXX minutes on the average. At last, in late XX/XX/XXXX, I finally got a person who told me that Fedloan Servicing has a backlog and he has no idea when they will get to my documents to verify the authenticity of my Government work history verification. I feel I am being stonewalled by Fedloan Servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  ( Original Creditor : 07 XXXX  XXXX  XXXX  XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: EQUIFAX, INC.
State: OR
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:
A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, my divorce was official. As part of my divorce I wasn't required to refinance my mortgage ( no equity ) at that time. The agreement between my ex-husband and myself was that once the kids graduated I would refinance. In the meantime, my ex decided to file for bankruptcy but was told that it wouldn't affect me. My mortgage servicer Mr. Cooper ( mrcoooper.com ) completely shut down my online access to my mortgage loan. The attorney for my ex sent a letter directly to Mr. Cooper on XX/XX/XXXX telling them to give me back my online access. I called on XX/XX/XXXX and was told that I could submit a copy of the letter to the researchincoming mailbox at Mr. Cooper. I called back on XX/XX/XXXX to find out the status and make my XXXX payment ( since I couldn't do it online ) and was told that I wouldn't be getting my access back. I understand the bankruptcy laws as they apply to him, but what about me? I have never been late on a payment. Do I no longer have any rights to my loan information online? Not that the creditor cares, but my divorce decree states that I am responsible for the loan and I have also submitted information to them along with how the tax reporting should be done going forward which was working great. Now while I can get information if I call in, I can't submit a payment online or look at any past statements that I can only access through my online account. They want you to sign up for electronic statements but are quick to remove the access to them. I couldn't find anywhere in any regulation that state that communication needs to stop with all parties regardless if one party did not file bankruptcy. The bank for my second mortgage just had me sign a document indicating that I wanted my online access back and took care of everything. It worked out perfectly. Also, I was told that the credit bureau reporting would be turned off. While the account internally may be marked as bankrupt, I am not past due nor am I in bankruptcy so I would hope that the credit bureau reporting is accurate. They can list my ex as bankrupt but should not be listing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Ocwen Financial Corporation
State: CO
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 XXXX of 2016 I made 2 payments to my loan and specified that it was for 2 months of payments but they allocated only 1 payment towards my payments and the other one towards the principle of the loan without notifying me. When i found out what had happened then I was showing 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
Hello I had 5 accounts with Synchrony Bank and not once was I late and my balances are very low and one i didn't even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because I either pay off my balance or make three times the minumum payment if not more. So they destroyed my credit score on baseless claim that they think I might fail to pay not that I failed to pay. Now my credit score has gone down by almost 75 points.

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 2017-11-16
Company: EQUIFAX, INC.
State: CA
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:
Credit Reporting Agencies continue to report XXXX Collections ( a debt from XXXX ) on my credit report for approx. {$190.00}. XXXX never verified the debt and it should hence be removed ty the CRAs. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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 status incorrect

Complaint:
Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a  lawsuit against the bureaus and XXXX due to their negligence and none compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: DC
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2022-02-16
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: IA
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:
Here is the letter I sent on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Iowa XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


12. The status is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

XXXXPlease provide a breakdown of fees including any collection costs and charges, XXXX a copy of my signature with the provider of service to release my informationto you and XXXX XXXXCease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency My correct name is XXXX XXXX, please delete these variations of my name : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, I currently live at : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, these other addresses I have never lived at or may belong to a relative and should be deleted : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX COURT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My telephone number is ( XXXX ) XXXX and I have never had any of these numbers listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following accounts need to be deleted/removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SERVICES, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I, unfortunately, had to file bankruptcy in 2015. One of the accounts included was a XXXX XXXX XXXX. I have disputed the way they are reporting on numerous occasions ( at least 6 ). They report to Experian monthly that the account is charged off with a balance and payment is late. They report to XXXX the account is charged off no further action, no monthly updates because it was included in a bankruptcy. I understand the item will remain on my credit for two additional years, however, it is my understanding they are not allowed to continuously show a balance and late payment I am working extremely hard to repair my credit, it is very discouraging to have my score drop every month when they report me as late. over the last five years, I have not missed one payment for any company and paid off some that were in the 2015 bankruptcy.

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 2022-02-16
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I ordered a stove from XXXX  that was never delivered and they tried to delivery me a dryer and I ordered a stove and they guy said he had wrong item and will delivery by tomorrow so he never did and XXXX  had he came out so they so the was going to dispute it so I tried with my card holder twice with no response charge was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief