BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I saw a hard inquiry on my credit report from tj maxx/ syncb and Ive never applied for a credit card with this company

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 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: EQUIFAX, 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 status incorrect

Complaint:
3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: SYNCHRONY FINANCIAL
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:
XX/XX/2020, {$2100.00} was charged to my Care Credit for XXXX work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with Care Credit but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my Credit score is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from Synchrony Bank ( Care credit ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Information belongs to someone else

Complaint:
I HAVE REASON TO BELIEVE I'VE BEEN A VICTIM OF IDENTITY THEFT AGAIN AND THE CREDIT BUREAUS ARE NOT HELPING ME.

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 2016-09-19
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Citi enrolled me in a Payment Safeguard program on XXXX/XXXX/XXXX without my knowledge or consent, and I just discovered it last week. 

According to this CFPB press release ( XXXX ), " From at least XX/XX/XXXX through XX/XX/XXXX, Citibank actively marketed and enrolled consumers in XXXX debt protection add-on products : XXXX, ' XXXX, ' XXXX XXXX, ' XXXX XXXX, ' and XXXX. ' [ Emphasis added ] I 've been a Citi cardholder for nearly 30 years and just noticed the XXXX fee on my bill last week because it was large enough to stand out - nearly {$300.00}. The large fee stood out because my balance last month was exceptionally high ( over {$34000.00} ) due to all of the expenses of a household move. 

I called Citi to say I never signed up for the service, which protects against the inability to pay because of a job loss, illness, etc. I told XXXX at Citi that I XXXX from in XX/XX/XXXX with a full XXXX pension, and both my wife and I are on Social Security with steady income. He understood there is no way I ever would have agreed to a Payment Safeguard program and so agreed to refund ALL of the XXXX fees since XXXX/XXXX/XXXX when I was enrolled. 

But I also asked how I was enrolled in the first place. He agreed to file a POE ( Proof of Enrollment ) request, which should take 30 days. 

It seems that Citi is still fraudulently enrolling customers in services without their permission. While I applaud the CFPB for taking action against these companies, rather than just fining them, which hurts shareholders and ultimately customers, punitive action needs to stop the fraudulent practices. Responsible executives need to be held more accountable - fired, fined, or jailed. 

OVER {$300.00} IN INTEREST WERE ALSO CHARGED - Related to this household move was the fact that I notified Citi of my Change of Address but missed receiving a bill for XX/XX/XXXX. So because I my payment was late, Citi tacked on over {$300.00} in interest. They refused to remove the interest charge, even though it may have been their fault that I did n't get the bill, even though I paid the entire {$34000.00} bill the very same day they called, and even though I 've been a 29-year customer with a history of paying the bills in full each month. 

I will be changing credit card companies as a result of this experience, but I file this complaint to help expose unscrupulous and illegal practices that continue to this day.

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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage. I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ XXXX ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt. In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Braviant Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called 3 times in a row ( with no break in between calls ) from the same number XXXX today, and my husband, brother in law, and sister were also called. Today was the first time I had been called by this company and they left a message for me, my husband, and my brother that I was being served legal papers. I called them back to find out what it was for and they said it was for Balance Credit. The collection company was called XXXX and had a call back number of XXXX. They immediately accused me of defrauding a company that I had previously repaid loans to and I explained that was not what happened. I had lost my job at the time and was unable to pay any of my debts. I have proof of my claims. I also advised the representative XXXX that I do not have any available funds to make a payment today. She only offered me to pay off the balance in full or with a settlement today ... I was offered no other repayment plans and was told that this will be taken to court since I can not immediately settle the debt. I believe this to be an unfair practice as I was not given any reasonable options to pay or time after being notified of the attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Credit Karma, LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I recently signed up with " Credit Karma '' to get my " Free Credit Score ''. I was initially happy with what their service had to offer and was pleased to find that they make their money by recommending various loans and credit cards and are paid by those lenders as opposed to charging me a fee for their service. 
As it turns out, they said my credit score was " 614 '' ( very low ) and I then recieved multiple recommendations for loans and credit cards based on that very low score, all of which carried very high interest rates in the range of 23 % to 31 %. The low credit scores they showed that I had, made me reluctant to go to my local credit union for fear of them laughing me out of their office! But I prepared myself for a little embarrassment and went in anyway. Well, to my surprise they ( credit union ) said that my credit score was over XXXX points higher at XXXX and I was able to get a personal loan at only 7.99 %!!! So the bottom line is that since they ( Credit Karma ) get paid by the lenders for recommending a particular loan, it makes me wonder if they are fraudulently quoting lower credit scores to their customers to gain a better payout for themselves.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I was a sears credit card holder for over 25 years until today. 2 years ago i moved, and requested an address update with my new mailing address. I use an auto-debit payment to pay my bill, and never really gave much thought to it until i was in sears recently and for the 4th or 5th time, again requested an update to my mailing address. I finally got my first statement today, after 2 years ... to see sears has been charging me a " Late Fee '' on every month for at least a year, more likely longer. {$37.00} a month, hidden and blamed as my auto debit posted to them on the XXXX ... .1 day after my due date. could n't see this, they would n't fix my address, Customer Service refused to take these unreasonable fees off my account, leaving me with only 1 option. Close the account and start complaining to outlets like this to try to get it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: FORD MOTOR CREDIT CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report I seen a hard inquiry from FORD MOTOR CREDIT and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have written to XXXX XXXX  about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have written to XXXX XXXX about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my credit report I seen a hard inquiry from XXXX XXXX XXXX and I didnt ever apply for a car loan or any services through them! I dont drive so this is a fraudulent inquiry and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: NJ
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2020-08-12
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:
Equifax ; XXXX  and XXXX  are not investigating the lates reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of lates and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report attached shows the following accounts are not in dispute when in fact they should be reporting that they ARE in dispute. The accounts are as follows - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these lates and to report these accounts in dispute however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.

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