BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Account Resolution Corporation
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX a derogatory mark was added on my credit report per XXXX XXXX from Account Resolution Corporation and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX Images for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010

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 2017-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Synchrony Bank is applying portions of my payments in excess of minimum payment due to my lower interest rate balance instead of the balance subject to the highest interest rate.

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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
A XXXX XXXX Account shows on my credit report that should be deleted

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 2020-09-29
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent several letters and phone call to Santander consumer USA. In regards to this matter. Back in XXXX and XXXX I was injured and spent a month and half in the hospital. At this time do to the circumstance I had my mother reach out to Santander consumer USA to make payment on my account. They told her that could not speak to hear because she was not on the account. This cause my account to have two late payments. I was never late for a whole year. I trying get a approve first time home buyer and I don't want this matter to cause me to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Lexis Nexis, a fraudulent consumer reporting company has reported me as dead to one of its clients -- XXXX XXXX, a sports betting company. Clearly I am not dead, since dead people can not file complaints. Also the report I requested from Lexis Nexis ( 140 pages long ) contains information which is incorrect, It lists me as a resident and homeowner at two addresses where I NEVER LIVED!!! How does these incompetent, corrupt predators get away with this. Is there no government oversight???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Please DELETE the Inaccurately Reported Personal Information listed below! 
DELETE - XXXX XXXX XXXX DELETE - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX DELETE - XXXX XXXX XXXX XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DELETE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX DELETE - XXXX XXXX XXXX DELETE XXXX XXXX DELETE - XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DELETE XXXX XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXX ON XX/XX/XXXX DELETE - XXXX ON XX/XX/XXXX DELETE XXXX XXXX  ON XX/XX/XXXX DELETE - XXXX XXXXXXXX XXXX  ON XX/XX/XXXX DELETE - XXXX  XXXX XXXX ON XX/XX/XXXX DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX  XXXX XXXX DELETE - XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXX  DELETE - XXXX XXXX-REPORTED DELETE - XXXX XXXX  DELETE - XXXX XXXX DELETE - XXXX XXXX XXXXY XXXX DELETE - 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 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/20 I contacted Capital One to inquire why my credit application was denied. I was informed by the representative at XXXX that I needed to remove the fraud alert from my credit to be approved. I explained that I am to be called and my identity is to be verified ; I also offered to verify my identity at that time. She again asserted that I need to remove the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I tried to log in to my XXXX Credit card and was not able to. When I called, i was told by the customer service representative that the account is closed due to inactivity. I did not receive any information that my account is going to be closed due to inactivity and having the account open since XX/XX/2011, i did not remember the terms and conditions. I asked for the terms and conditions to be sent to me so i can confirm that indeed that account was closed accurately and was advised that i will receive the terms and conditions in mail. couple weeks later i received a letter advising that XXXX XXXX Synchrony Bank XXXX does not maintain copies of credit card agreements for closed accounts. So there is no way for me to know the accuracy of closing 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 2021-11-26
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: IN
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:
For the SECOND consecutive time, Experian claims to have " verified '' a bankruptcy with the furnisher of information. This is impossible, a complete fabrication of the truth and a miscarriage of justice. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification number ( TIN ). Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with a bankruptcy petition is ( 1 ) Your Full Name, ( 2 ) The Last Four Digits of Your Social Security Number, and ( 3 ) Your Address. I see no " Motion to Unseal '' filed with the U.S. Bankruptcy Court. Having only this information is NOT enough to verify an account. MOREOVER, the U.S. Bankruptcy Courts DO NOT verify information with credit bureaus, which means Experian and their presumed partner, XXXX, are fabricating their dispute results. I want the CFPB to intervene and figure out how this information is " verified '' knowing courts DO NOT verify records, and " data miners '' such as XXXX have only limited access to my personal 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 2016-08-15
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do n't appreciate how they conduct business. I paid my bill off in full in XXXX XXXX. I thought everything was finalized. I received the {$0.00} receipt balance from Optimum Outcomes, Inc. Then this year in XXXX XXXX, I received an email saying I have an outstanding balance. I reached out immediately to the company twice in XXXX on each occasion the representative told me they would have someone to investigate the problem and contact me. I did n't have to keep calling back. I offered to fax over the receipt I received from them the day I paid my balance in full. The representative tells me they do n't have a fax machine but I can mail that information to them. However, after reading my information they said yes I see where you paid the bill in full but at the time nobody could tell me how I still owed them money but the hospital that was collecting the debt showed I owed {$0.00}. Well I started receiving debt collection phone calls in XXXX XXXX which at this point I am feeling harassed, upset and cofussed as this was not a mistake on my end. So, I explained to yet another rep this month ( XXXX XXXX ) and then that 's when she was rude and started saying she see were I paid my bill in full but they were showing they sent me a portion of that money back in XXXX. Therefore, my complaint is how and why did it take them 7 months to contact me and say I owed money? Indeed if I owed money they would have reached out to me before XXXX of XXXX. They had no problems in the past sending me emails and letters at my home which I received not XXXX collection letter or email after I paid the bill in XXXX until XXXX of this year. This was clearly an error on there end and how do you make this my fault? I did my part which was what I was asked to do and that was to pay my bill which I did ( in full {$170.00} ). What was done on there end should not turn into a nightmare for me as I thought this was behind me. I have read so many reviews and complaints similar to mines. Something need to be done about this mishaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Community Health Investment Company, LLC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the company and told them i didnt want any information obtained or released. They now have obtained personal information including date of birth and debit card numbers. They also now are saying i owe a certain amount that i received an email saying it was paid. I need this debt removed because i was told it was paid, and i did not approve any release of records or personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems Inc is trying to collect XXXX from me claiming I was part of XXXX XXXX for University XXXX Louisiana at XXXX. 

Has me being apart of a fraternity for 4 years. But for XXXX years I didnt go to that university. 

I went to a community college so I couldnt be allowed to participate in the fraternity. 

Seems this is a failure on the college kids running the organization. 

I can provide documents showing when I went to immunity college

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I viewed a copy of my credit report and noticed that a late payment was reported for XX/XX/2021 by Experian for XXXX XXXX XXXX with Account # XXXX, when we were still in XXXX. I was never late in XX/XX/2021, yet the bureau reported a late on my account for XXXX. This reporting is outrageous and very incorrect.

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 2017-05-01
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo B ank refused to review my application for mortgage modification claiming that their internal process limited a review of a request for mortgage modification to date of  XXXX   XXXX ,    2017 d uring a foreclosure proceeding with the law day set by the court was in fact  XXXX   XXXX ,  2017.       Wells Fargo Ba nk imposed this limitation without notice to me and it was the second time that  Wells Fargo Bank misled me during the foreclosure 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 2016-05-13
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again

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 2016-08-30
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank bought our home loan from XXXX in 2014. We fell behind in our mortgage and they were relentless in pursuing back payments with harassing calls late at night, and intimidation. They keep raising late fees. 
We are trying to refinance our mortgage and they have delayed sending a payoff amount to our title company, XXXX, FL XXXX FAX XXXX ATTN : XXXX XXXX # XXXX ( XXXX ) I believe they are dragging their feet on releasing a payoff because they will lose money because they bought the loan. 
Today I called and spoke to them about this. The girl, XXXX, ( Spelling may be wrong ) insisted I pay {$20.00} for them to supply the payoff. I argued this saying they could not do it. She kept insisting it was for the authorization to send the payoff amount, not for supplying the payoff amount. I asked her if that was policy when banks and title companies fax in a request but she changed the subject. She may have added the amount to our payoff, but I am not sure. She later said she faxed it as we were speaking. 
After calling the title company an hour later, I was informed they had not received it. I called US Bank back only to to be told it would take up to 24 hours and that the fax # they were sending it to was completely wrong. I believe in my heart this is all intentional. 
On top of this, their customer service is anything but that. They are the rudest and most belligerent people to try to reason with. 
So, my main concern is trying to get the payoff so we can close on our loan and move forward. This has been going on for way too long. 
Also, can you do anything about the ever changing late fees and the harassing phone calls we received?

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2017-06-19
Company: Experian Information Solutions Inc.
State: NC
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   XXXX  is reporting a balance on my credit reports when the debt is paid.

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