BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
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 have had a student loan since XXXX. XXXX XXXX sold it to Navient. Navient never informed me of options for forgiveness. I have worked for a government agency for over 20 years and would have been eligible. When I accidentally heard of a potential program, I asked Navient they first informed me there was no program. The second time I asked they informed me there was. By the time I could identify that I was eligible given my employment, my salary was too high to qualify. 

Currently in an effort to speed up my loans I arranged with Navient to ensure I was up to date and enrolled in autopay as per their suggestion. They informed me that by enrolling in autopay I would reduce interest rates. However, after about a year my interests rates have not reduced. They are now informing me that due to an insufficient account several years ago I am ineligible always to have any interest rates reduction. They lied to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Paypal Holdings, 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:
Someone got a hold of my identification and social security number. I can no longer access my credit, bank account, XXXX, PayPal, XXXX, accounts. Someone has been taking my mail until recently when I got a po box .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
So on XX/XX/XXXX a XXXX transaction was made from my card. From a company called XXXX. I called my bank when I noticed the transaction. They sent me a fraud report and told me it would take 45 days for them to investigate. American Express Serve is the bank. I waited the 45 days as they said I had to. They say I should have received an email which I did not. Stating they denied my claim and all I can do is reopen the investigation and wait an additional 45 days. According to them I made the purchase and I need to contact the company which is XXXX. I don't know this company. I have never dealt with this company. And I want my money back. But the bank refuse to help me. Instead they were rude to me. And told me either reopen the investigation or that's it. I'm upset. Because I did not make this transaction and the bank refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I reach out to the collection Agency with proof of receipt, Proof of payment that I paid rent for three months including my last stay, and proof that the address that the forge i wasnt even staying there at the time of date, I was staying at XXXX  XXXX  paying bills they forge my name on the lease that I give yall It have the wrong move in date that I moved into apartment I was staying in another apartment before I moved there so they forge a fake lease with my name spelled wrong my kids name not even on Listed on the rental lease the sent I have XXXX kids, You can tell that is a fake lease because why would I spell name lat then go over it with Lak I should know how to spell my name,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been writing letters to Equifax for over a year citing the blatant violations of my rights under the Fair Credit Reporting Act. They are reporting a bankruptcy that has an inaccurate docket number and filing date and is outside the statute of limitations. The other XXXX bureaus XXXX and XXXX have removed the bankruptcy because they could not properly validate it so I do n't know why Equifax is still reporting something that is obviously wrong. I have been refused action and dismissed as a frivolous consumer and this makes me angry. The bankruptcy was never filed and is dismissed, I do n't feel it should be reporting at all because I never went through with the bankruptcy. Equifax is ignoring the proof that i have that they have violated my rights and I am at my wits end because from my standpoint I have done everything I have needed to do and they are abusing their power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-09-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I properly disputed invalid data at least four times and Equifax continues to reinsert this invalid data after deleting without notice. 

After this, I disputed directly with Equifax the FCRA 611 ( a ) ( 5 ) ( B ) reinsertion with no notification violation and the FCRA 611 ( a ) ( 5 ) ( C ) their inability to maintain reasonable procedures designed to prevent the reappearance violation. Equifax responded ( XXXX ) the address was not reporting. 

I 've subsequently disputed this invalid data 6 times. Equifax continues to reinsert it with willful intent despite my attempts to have it excluded. It continues to appear in my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax will not get XXXX60 more days, they have till the end of the business day Monday to block the information that was submitted in my affidavit due to the fact that my affidavit was not rejected and the FTC states that if they did not reject it then they have 4 days to block the information. Equifax has 3 months so far to investigate and it is obvious that they have not followed the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Other

Complaint:
This happens REPEATEDLY. Discover shows a current balance online that does n't reconcile with the information for the account. Amounts that were in the " pending charges '' section disappear and get added to the current balance WITHOUT placing them into the " posted activity '' section. Therefore, when I log into check my activity, it does NOT reconcile. I have to call customer service, and they read from THEIR screen, the charges that they have made disappear from my screen when I am logged into my account. I do remember the accounts, but this is not how to do business. If they know the amounts so that they place them into the current balance, then they should be able to add them to the posted transactions section so consumers can see it on their accounts. Not to do so amounts to fraud, as far as I am concerned. As I said, this happens FREQUENTLY with Discover. It is wrong, deceptive and misleading. They need to add charges to posted activity if they are going to list them as current balances. Please investigate this and let me know why they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
changing terms of loan from XXXX y to XXXX yover charging escrow taxesrefused to sent me a vod. validtion of debt per section XXXXXXXXbuying home insurancerefusing paymentsnot paying taxes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XXXX XXXX, 2022, an unknown charge of {$270.00} appeared on my credit card statement. This was for a merchant called XXXX On XX/XX/2022 I started a dispute with Citi regarding this charge as it was unfamiliar to me and was immediately credited the {$270.00} while the dispute was being investigated. On XXXX XXXX, 2022, the same merchant appeared in my statement again for a {$150.00} charge, however, this time Citi flagged the charge as fraud and they sent me a new credit card. I thought I was done with these fraudulent charges, however, it appears that Citi has reversed their decision on the {$270.00} and now the charge appears in my statement 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 2020-09-26
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: Information is missing that should be on the report

Complaint:
I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I filed, a dispute with XXXX  about XXXX reporting inaccuracy monthly amount, that was owed and XXXX  removed it completely. I have, now paid XXXX off completely in which that was supposed to increase my score however it went down because XXXX  removed it from my 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 2022-08-27
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Conn APPLIANCES on XX/XX/2017 {$2800.00} this company is trying collect money from me that i dont owe this is a duplicate account they keep reporting it to credit bureau every month

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking and savings account on their own accord, unexpectedly, and won't return give me my money back. I get many unworthy excuses reasons why. One was a check will be processed and send on XX/XX/XXXX UNACCEPTABLE!! 

The available amount balances they quote in my accounts are completely incorrect. 

I am in dire need of " MY MONEY '' not a loan or credit. I have suffered financial loss and mental stress as a result of Bank of America 's criminal acts.

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 2022-05-23
Company: HW Holding, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account from Hunter Warfield Inc was paid and its been 2 months and they are still reporting it as unpaid and its affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I was issued a SYNCB/SAMS CLUB DUAL CARD # XXXX on XX/XX/XXXX. On that day I charged {$140.00} on that card. I never received a bill from SYNC/SAMS. The first letter I received with my balance and interest and fees was from XXXX. My bill at that time ( early XX/XX/XXXX ) was {$170.00}. I immediately visited the customer service department at XXXX 's in XXXX, Ohio to complain about the process stated above and the new balance. Although the agent from Sam 's made several attempts to permit me to pay my bill without fees, she was unsuccessful. She informed me that the reason I never received a bill was that SYNCB did not include my suite number on the bills, and the post office returned the bills to them. Subsequently I had conversations with representatives from XXXX offering to merely pay my original {$140.00} and none were able to accept my offer. I informed them that my offer seemed reasonable under the circumstances, and I would write a check immediately if my offer was approved. In the spring I attempted to purchase a dishwasher and was denied credit. This is the first time in my life I have ever been denied credit. On every prior occasion I was told that my credit score put me in the best range which permitted the lowest interest rate. Prior to this event the longest period of time that I have missed a payment has been one month, and this has occurred about 5 times in the past 45 years. I finally spoke to an agent at XXXX who thought my offer to pay {$140.00} was most reasonable, and I mailed a check to them for that amount. I have a letter from them dated XX/XX/XXXX stating that my account has been settled. However my monthly XXXX statement has a credit report that indicates that my credit continues to be in the poor range ( some lenders may issue credit ). 
I am looking for resolution from SYNCB/SAMS CLUB DUAL CARD. I am asking that they not only request that my delinquency be removed as an adverse account from all credit reporting agencies and that they also contact XXXX and ask them to do likewise. I hope that satisfying these requests will restore my credit to previous levels entitling me not only to credit but to the best interest rates available.

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 2015-12-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I have a CareCredit credit card through Synchrony Bank. I used it 3 years ago to pay for dental work for my friend. We set up the account to autopay from his account every month until the balance was paid of in 2012. The account has not been used until I had to have dental work done in XXXX. I got a statement from Synchrony with the my balance info and scheduled the first payment to be sent from my bank account. Unfortunately, my friend 's old account info was still retained in Synchrony 's system and they then took over {$700.00} from his account to pay the balance on my CareCredit card. I called their customer service line and they told me to look at my statement and I would find where they told me they were going to do that. That information IS on my statement but it is not on the first page, or the second page but down at the bottom of the XXXX page. I realize it is my responsibility to read and I should have read the entire statement but, as an employee of a financial institution and knowing we are required to put certain information up front, in bold and where our customers can readily SEE and UNDERSTAND that information, I feel that Synchrony Bank has totally FAILED in that regard. My friend stopped payment on the charge from his account ( so he could make his house payment! ) because Synchrony could not reverse the charge in a timely manner ( up to two weeks ). My other credit accounts that are autopay SAY that on the FRONT page. Synchrony should have to change their statements to do the same.

Company response to consumer: Closed with explanation