BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: DISCOVER BANK
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had all of my student loans with discover. The first issue was they keep saying that they will consolidate my loans and they never do. This last month I was locked out of my account. The only way to reset your password is to input your date of birth, social security, and email. I have made sure all of those things are correct and every time it says my information is wrong. The month before I had to call them to make my payment because any time I tried to do it under my account it wouldnt process the payment. The month before that they said they couldnt take the payment online or over the phone so I was required to send in a check. The month before that I couldnt make my payment online and I called customer service and they said they couldnt access my account so the would send it to their investigation team. The month before that is when I started having issues with them. I think this started in XXXX. But even though they had claimed to send it to someone that would fix it, it was never fixed. So now there are months that I have had late payments effecting my credit and also my cosigners credit. This issue has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They're attempting to charge me a debt for a vehicle I never purchased. I I was thinking about buying the car.I had he car 2 days then returned it because, it wasn't properly maintained had several engine issues. Sales Manager didn't want to honor me returning his car. 


XX/XX/XXXX -XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
My XXXX-year-old son and I were reviewing the transactions in his Wells Fargo savings account ( which is linked to my account ), since we were puzzled by the low balance. He insisted that he had not made one of the ATM withdrawals that was shown, although it was the ATM that he usually goes to. I called Wells Fargo, and they said they would look into it. A day or two later, I received the attached email saying that the investigation was complete and that they had " determined that an error did occur. ''

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 2017-08-30
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
This will be my 2nd attempt to solve this issue through CFPB. Please note that Synchrony bank state that i canceled my credit protection VIA telephone in XX/XX/XXXX. THIS IS NOT accurate. At NO time have i have i ever requested for Credit Protection to be cancelled on any of my accounts. Furthermore the covered event started in XX/XX/XXXX when my account was fully covered. I owned a XXXX XXXX  and was XXXX XXXX my taxi was involved in a non at fault accident. The at fault drivers insurance company has yet to settle the case as of XX/XX/XXXX. I lost my taxi and taxi medallion due to having no vehicle to present to the city for inspection. I lost my business in full in XX/XX/XXXX. I was forced to take a Job for {$8.00} a hour part time at XXXX XXXX XXXX in XX/XX/XXXX. This job ended in XX/XX/XXXX with Unemployment and a pending Lawsuit. All is documented and proven on paper to Synchrony bank multiple times. From the time of my wreck in XX/XX/XXXX this account should have been covered, as the job i took was for less weekly than i made prior per night when i owned my taxi however it was the only job available to me in a horrible local job market. Once again also at NO TIME did i request that the Credit Protection on this account be cancelled.

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 2021-09-23
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank 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 explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
XXXX is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

JPMCB Card has an account on my credit and I have never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit I checked my credit report I noticed an account with Bank of America. I 've reached out to Bank of America via certified mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I 've requested validation of a debt that I do not recognize. Upon the letters sent I have yet to receive any signed contracts from this company, only computer generated statements. Also BOA did not place a " notice of dispute '' on my credit report after my initial contact of XXXX/XXXX/XXXX. They are in violation of FCRA section 623 ( a ) ( 3 ) and FDCPA section 807 ( 8 ) by not placing the disclosure within the 30 day period. I only received a letter from BOA stating a date the account was opened and the balance ; no signed contracts as requested in my letters.

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 2018-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
I have inaccurate addresses appearing on my Experian and XXXX XXXX credit report. 
the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX This address doesn't even actually exist.

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 2018-05-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from Equifax only can I see my report on XXXX XXXX. 

XXXX website is always unavailable and then tell me that I have received my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as i assume it has to be. I have not been able to get help from them for months bit i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Refiling this as answer was not sufficient. Please return payment made, as you did with additional two payments made at the same time, or accept payment Paid in Full. 

Qualified Written Request ( QWR ) Letter was sent to Mr. Cooper on XX/XX/XXXX. Item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. To date, Monday, XX/XX/XXXX, a reply from Mr. Cooper has not been received. Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref : Error Resolution Notice under 12 C.F.R. 1024.35 Loan # XXXX QWR Qualified Written Request - {$3600.00} Payment Applied to Partial Payment Unapplied Funds I am writing to request detailed explanation and/or correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX, XXXX, FL XXXX, loan account number XXXX. Identifying the Error 1 ) Payment made on XX/XX/XXXX {$3600.00} ( see USPS receipt ) Payment applied to Partial Payment XX/XX/XXXX - Unapplied Funds ( see statement ) 2 )  Payment made on XX/XX/XXXX,  payment / check returned to Attorney XXXX XX/XX/XXXX ( see letter ) 3 ) Payment made online XX/XX/XXXX, refused online incoming funds and returned to bank account directly on XX/XX/XXXX ( see E-mail ) 3 payments, 3 different outcomes. As of today, Tuesday, XX/XX/XXXX, you are still holding the payment made XX/XX/XXXX, in an unapplied funds account. Explain why. Explain why one out of three payments was accepted. Explain why one out of three payments is now in an unapplied funds account. Explain why this payment was accepted and  categorized as partial payment. Explain why this payment, if partial, was not applied to loan balance. Explain why or where the interest amounts for this partial payment has been applied to. Explain how much interest this partial payment and unapplied funds account has accumulated from XX/XX/XXXX to now. Explain why late fee has been added for XX/XX/XXXX/XX/XX/XXXX payment if you have accepted the payment as partial payment. Explain why this first payment was not returned. Please see all attached supporting documents, as mentioned within. Sincerely, XXXX XXXX Screen shot online account statement XX/XX/XXXX ( Partial Payment from XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine.  None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX XXXX ACCOUNT NUMBER : 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 2021-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Experian to investigate certain accounts on my credit report that are not mine and it has been 30 days and they have not sent me verification. I want the items removed from my credit report. I will attach copies of what I sent them.

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 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
When reviewing my consumer report I found that there is a late payment that should not be reporting to my consumer report. This late payment has hindered me from obtaining credit. As a consumer exercising my right, I demand that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 this debt for XXXX, XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

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 2020-02-17
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
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:
This Debt collection shouldve been already off my credit report, but what they did was reopened it up right before the 7 yrs was up to allow it to stay in my credit report longer. I dont feel thats fair because Ive waited my allotted time for it to be removed & for them to just open it back up is a bunch of XXXX.

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