BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received an automated called on XX/XX/2020 from the company telling me to call them so when I went I to my account to see if there was any reason for them calling I realized I was 7 days late for my payment and I paid it right there then set up a payment for XXXX. On XX/XX/2020 I got an email from XXXX  XXXX  saying my credit report was updated and when I opened it to see what updated, I saw that the company marked my credit report as 30 days late. I disputed it and on XX/XX/2020 I got a response that said that my file was once again updated and this time they marked me 30 days late for XXXX and XXXX even though my due date for XXXX wasn't for another 3 days. When I go into my account, it doesn't show I'm late at all and I'm paying theinimum payment that I'm supposed to pay. When I called to talk to them, they're claiming I haven't made a payment since XXXX but my account shows the payments. The company wants nothing to do with cooperating with me and keeps putting hits on my credit report and took me off of the hardship because " I didn't make 2 consecutive payments ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XX/XX/XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # 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 2022-05-13
Company: Experian Information Solutions Inc.
State: CA
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:
Theres a collection account on my consumer report that 1. isn't mine 2. Violates my rights .... I have reached over to the collector, and 3 bureaus to resolve this matter for about a year now and they've done nothing. 

in accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights 15USC 1681 section 602A states I have a right to privacy .....

also 15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval

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 2016-10-02
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank interest checking account on XXXX XXXX, 2016 and deposited {$15000.00} into that account from by CIT Bank savings account on XXXX XXXX, 2016. I received checks for the account about a week later. On XXXX XXXX, 2016, XXXX cents of interest was deposited into the account. Today, XXXX XXXX, 2016, I logged into my account to find that the account was closed and that all of my money was gone. When I called Citibank, they refused to give me any information except to say that I would need to speak with an account specialist and that account specialists are not available on Sundays. When I pressed the representative, she told me all of the money had been withdrawn from my account by the back office. I have received no communication from Citibank whatsoever and now I will be forced to take time from work to determine what happened to my funds. As far as I am concerned, my funds have been STOLEN. DO NOT DO BUSINESS WITH CITIBANK! THEY ARE AS DISHONEST AS 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 2016-08-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was the victim of identity theft and the company cancelled the fraud claim And someone closed the account suddenly when it was supposed to be reopened to dental visits

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 2022-05-13
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Im trying to sell my house. The second mortgage has been purchased by another lender.

We have been trying to find who is the new lender with no success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: OK
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:
this is my fourth attempt to resolve this issue with Equifax and XXXX, The student loan that is being reported has inaccurate open dates, I am not disputing the account is not mine, The student loan belongs to me, But what I have been disputing is your report shows that it was opened in XX/XX/XXXX which is false, CRA have stated every time the account is mine and accurate, I have the promissory note that was signed and dated by me, as advised by attorney is try and have date validated again and cause I have tried a few times the FCRA requires the account to be delete, Due to the fact the account has been re-aged. the account was opened on XX/XX/XXXX, as advised the CRA is to investigate and review information provided by creditor reporting using the promissory note that has a date, The promissory note I have will be granted to the CRA in court under discovery if we have to go to court, Again since CRA has had plenty of time to correct and felled to. that this my last attempt before I have attorney file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Sometime in XXXX I applied for a Barclay XXXX XXXX card. For some reason I was initially declined, which was very confusing to me because I had never been denied credit so I called them. They explained that for some reason a credit check was never made and the CSR pulled my credit ( after asking my permission ) and approved me for the credit card. This was around XXXX XXXX. I received my card and put some expenses on it. This card had a signup bonus and I nearly reached the spending threshold with this first bill. Then, for a reason that BARCLAY REFUSES TO EXPLAIN, they cancelled my card. Noone will explain why my card was shut down but I believe this was because it was an easy way to save them the {$440.00} signup bonus ( which they claim I 've forfeited because they 've shut me down. ) This is total XXXX. While I understand that they have the right to choose who they allow to have their card, they have no right to bait me to sign up for credit ( causing an inquiry on my credit report ) only to immediately shut me down without explanation and to seize my points. These points are as good as cash so I view this as they stole from 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 monetary relief
Consumer complaint received 2020-04-14
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # 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 2015-11-02
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have an Amazon, Care Credit account and Walmart ( which is paid off ) and when I opened these accounts GE was the holder and it looks like the accounts were sold to Synchrony Bank. Synchrony Bank 's horrible practices have to STOP! Each time I make a payment, the credit limit is dropped below the minimum balance due and then charged an over the limit fee of {$38.00}. I would also be charged the interest rate and before I know it my monthly payment is extremely high. I am including both Care Credit and Amazon payments. I want to be refunded each time they charged me the overlimit charge and for late fee for all three accounts. Please look at the interest rate they are charging. for Care Credit, the annual APR is 26.99 %!! This is just XXXX and it needs to stop. And please do n't take forever to investigage. This needs to be resolved NOW and if you read any of the blogs about this company, a ton of people are complaining about their practices so please do something about them!!! Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14
Company: EQUIFAX, 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:
There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am in the PSLF program and had to refinance into FedLoan Servicing when I enrolled in it. I requested a complete breakdown of each qualifying payment back in XX/XX/XXXX, and after about a year of waiting, FedLoan provided me with a letter detailing each payment that qualified, and each that did not. Many of the payments which had been back counted from when I was paying to my earlier servicer, XXXX XXXX, were shown to be amounts ofXX/XX/XXXX, or amounts under XXXX XX/XX/XXXX, short of the total billed amount, so they did not qualify, according to FedLoan Servicing. I myself have records from XXXX XXXX showing that the payments amount were equal to the billed amount, so those payments had been paid in full. I called FedLoan Servicing, and after great length and several support specialists, one told me that I might be in " paid ahead '' status, or I was for years. They were thinking that is what  happened based upon looking at the amounts. This means that they think I probably paid more than was necessary for a couple years ( I had made payments toward my loans when the amount due was {$0.00} ) and my billed amounts were lowered later on, and I should be paying an amount different than the billed amount. This information was never given to me, and there was no way to know that I should pay a different amount than the billed amount. FedLoan says that there is nothing I can do, but I would like these payments to be re-evaluated and considered to count as qualifying. I have not seen consistency in the information I've had from FedLoan over these years, so I do not think they are a reliable resource for recordkeeping or information at this point. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient, the servicer of my Stafford Unsubsidized Student Loan, may have harmed this borrower by steering him toward forbearance or other products such as suggesting interest accruing forebearance, income driven repayments, and Federal Direct Consolidation Loan Promissory Note agreements instead of guiding them through the process of applying for income-driven repayment plans that would provide lower monthly payments and a possible opportunity for loan forgiveness. 

The loan was initiated in XX/XX/XXXX with disbursements totaling {$7200.00} The current balance ( which includes late payments, check fees and accrued interest ) equals XXXX. Over 11 years the principal has not been reduced, rather, {$5600.00} has been added to the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Chrysler capital is my lender for a vehicle lease. Back in XX/XX/2017 I incurred a 30 day late negative remark due to a bit of hardship. Now 24 months later I've requested with the company to please remove the negative remark from my credit report based on goodwill and the fact that this was the only late payment in the 36 month history. I'm pleading the the negative remark be removed as you can see my current credit history shows my responsibility and ability to pay back. Chrysler Capital said it would be removed after 24 months but the remark is still showing on my credit report. 
I can guarantee that this lapse of judgment will never happen again, thank you so much for your time and understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For quite some time Ive been dealing with a possible Mix match identity situation and have a few things on my credit report that does not belong to 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 2019-12-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXXfell hurt my XXXX. had go to emergy room. had insurance that covered my vist never notifed of this dedt. that was sold to this dedt collector. without my knowledge. now has been reported and is now affecting my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.

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 2021-03-11
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am having trouble to access my online account so I can managed and paid my balance since XXXX so I was being late. I tried calling customer service but all I get is answering machines. 
I am being Charged late fees and the company is damaging my credit score.

I know my Username name ID and Password but for some strange reason the company managed to changed my online account access. 
Please see attached documents. 
An email from Customer service with my username. 
Process of resetting my password showing a different username An automated email response to resetting my password with No CODE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
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:
My personal information was not properly or reasonably protected by Equifax and was subject to the recent data breach they are involved in.

Company response to consumer: Closed with explanation