BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this creditor since XXXX XXXXExperian will not update my account with the creditor XXXX XXXX  XXXX When Experian does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both Experian and XXXX  about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and XXXX  refused to update the information. XXXX   stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXXXXXX XXXX XXXX balance $ 15,000+. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. Experian will not update my account with the creditor XXXX XXXX. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and Experian still won't update my report accurately. Experian always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.

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 2016-06-09
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient put the consolidated loan with my husband into deferment without our signatures. I have been working with them since XXXX over this. I know this is a compliance issue. I worked diligently to fix this, keeping contact records. I thought we had all this sorted out but now monthly payment all went to interest because they put us in an Extended Repayment Graduated 2 years interest only. I did not ask to be put in a repayment that was 2 year interest only. My XXXX payment went to interest only. Navient 's manager XXXX XXXX does not call me when he says he will. I need help with this and I need to file a complaint because Navient broke a federal regulation putting loans in deferment without our signatures, consistently make errors on our account, and do not return phone calls when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2020-06-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have made several attempts to solve the problem with no success XXXX XXXX XXXX is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: SYNCHRONY FINANCIAL
State: KS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank has sent unitemized bills and multiple harassing, " recorded '' phone calls for mysterious " balances '' charged for presumed, unspecified, apparently fraudulent goods or services which neither the bank nor I can identify, verify, adjust or refute related to an XXXX credit card that I have shredded many months ago ( I 've subsequently made all my XXXX purchases from a different credit card from my XXXX ). I 've identified the transaction as a " scam '' which they have not denied or disputed, and have demanded, as documentary proof of the scam, a transcript and/or copy of the phone conversations that have allegedly been " recorded '' but am told that the caller " can not, '' as a matter of company policy, be sent to me thereby giving the officials of the Bank an intentional advantage that is inconsistent with official duty and the rights of customers ( see the legal definition of " corruption '' in XXXX ). This abusive behavior is clearly a systematic and unscrupulous exploitation of individual consumer vulnerability in the age of massive, electronic, impersonal, digital commerce and should be documented in detail, exposed and stopped.

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 2020-06-14
Company: VW Credit
State: MI
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:
After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: SYNCHRONY FINANCIAL
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
About three years ago I purchased a mattress from Sleepy 's. The cost was about {$3500.00}. Since this was a new memory foam mattress, Sleepy 's did not discount the price but I was told that, as long as my credit checked out, the 'loan would be interest free, ' as long as I made my payments on time, I was given a Synchrony Bank credit card, and I put the payment schedule on my XXXX On-Line Banking account to ensure that the payments were made in plenty of time to meet the deadlines and I would never be late making a payment. 
Recently I opened one of my statements for this account and noticed that I was being charged nearly {$1800.00} in interest. In calling Synchrony and asking how this was possible since I had made all the payments on time, I was informed that I had failed to repay the principle by the end of the 'holiday period ' and therefore was being charged interest at the rate of 29.9 % retroactively from the time I bought the mattress, a fact that I was totally unaware of when I bought the mattress. 
I am XXXX years old and have been a XXXX for over 50 years. I also have a XXXX income and a XXXX net worth so the amount of money involved is almost immaterial to me. However at the same time this type of behavior totally incenses me. It is bald faced trickery. The only excuse for making this type of loan in the first place is to collect 29,9 % interest from people who have little or no credit risk. I am sure somewhere in the 'fine print ' of the original contract this fact ( the 'loan holiday ) was described, probably in great detail but how many people in my business especially have time to read contracts like these, and how many poorer people can understand 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 monetary relief
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: MI
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:
After I was laid off from work I immediately contacted Volkswagen leasing Department and requested a 90 day payment deferment of my lease to give me time to get in contact with unemployment or get back to work.

After I received notice that I had been granted my deferment I called to confirm that no megative remarks would be placed on my credit report and that I wouldnt recieve any late fees. I was assured that none of the mentioned would happen.

After 30 days I noticed alerts showing up that My credit score had dropped and that it was because Volkswagen had reported my account delinquent. I contacted Volkswagen and they said it will be taken care of because it was done in error. Fast forward to today and now 60+ days past due and it was reported again further dropping my score at the end of my lease ao that I have no choice but to get another vehicle with them when I cant afford that now that i am working part time. please help as my lease will be up Next month. Thank you for any consideration. I will attach the letter stating that i was granted my deferment.

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 2021-12-13
Company: Credit Karma, LLC
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a promotional offer on XX/XX/2021 to earn {$50.00} for completing a direct deposit into my checking account. 

I completed the terms and conditions of the offer as of XX/XX/2021 ; however, the {$50.00} bonus has not posted to my account. The terms of offer state that the bonus would be posted by XX/XX/2021 ; however, the {$50.00} bonus has not posted as of yet. 

I contacted Credit Karma and XXXX XXXX regarding this matter, but neither firm is responsive and the {$50.00} bonus has not posted to my account. 

I called XXXX XXXX  numerous times on XX/XX/2021 but they refused to speak with me or service the account, and referred me to Credit Karma. 

I spoke with XXXX at Credit Karma on XX/XX/2021 at XXXX and he was unable to assist me other than " escalating '' the case within the organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an FHA loan with XXXX XXXX. Around XX/XX/XXXX the bank gave me a forbearance status based on the CARE act. Today I decided to apply for a personal loan, and I was told that I couldnt receive a loan cause I was in forbearance. I thought that the banks would not be reporting on this forbearance status to the credit reports.

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 2020-06-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im contacting you about a debt collector by the name of Wakefield and Associates that could be potentially harassing me. I took a look at my credit report and saw that this company had said that I owe them money on two collection accounts, one for {$540.00} and another for {$200.00} something. I disputed them both because I always pay everything on time and I would never not pay something I owe. Only the {$200.00} something account was removed from my credit report so I decided to call Wakefield and Associates to see what this was about. They told me that it was for some type of medical visit and that I still owed them the money for both accounts even though one of them was successfully disputed. In total they wanted close to {$1000.00}. I explained to them that I always have insurance when going to the doctor and that the other account was disputed. I told them that I wanted to pay the {$540.00} account that was on my credit report just so I could have this all be over with. They tried to trick me by agreeing and then tried to get me to pay over the phone. I told them that I would not pay anything until I got it in writing or email. When they sent me a link to pay off the account, I saw that they were still trying to charge me {$1000.00} for both accounts and if I had continued over the phone they would have charged me the {$1000.00}. Very deceitful. Id like some information on what I can do as technically I dont owe anyone a single cent. They keep calling my phone and sending letters in the mail. I have been laid off from my work so money is very scarce for me right now. Any help would be greatly appreciated. Thank you and have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-07-21
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 in Violation of my consumer rights, they have continually disregarded my disputes of inaccuracies along with not complying to my original dispute but have only stated the account has been verified.. although I have paid off the account in full and it is closed they are still showing late payments that are inaccurate and false this is affecting my consumer report they have had more than enough times to fix this false reporting which is playing a huge part in my credit score fluctuations causing issues with promotions at work and trying to buy a home.. I am extremely exhausted with this situation not having any justification or explanations to me the consumer please delete all PAYMENT that are hurting my report The CFPB states if your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. I have the documents proving that I made payment agreements and they still reported late which is a violation of my rights

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 2021-12-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Bank denied a {$5000.00} claim. Will not help me get my money back from a dead end merchant that I can not get ahold of.

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 2016-11-18
Company: HYUNDAI CAPITAL AMERICA
State: OK
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My complaint is with Hyundai Finance. I had leased a XXXX XXXX XXXX from XXXX XXXX and turned it back in to them in XXXX, XXXX. Hyundai finance continued to bill me for the payments and turned me into a collection agency afterwards. After contacting both the dealership and the finance company where they both admitted their mistake, my credit score has not been corrected. It went from XXXX down to XXXX. I 've always had excellent credit and pride myself in that! Please help me solve this.

Company response to consumer: Closed
Consumer complaint received 2020-06-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$630.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

5.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT -- 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: AMERICAN EXPRESS COMPANY
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with American Express National Bank for years. I recently added my son, XXXX XXXX, to my account as a sub account holder. XXXX also recently started a job at the same place where I work. i was out of town this weekend and noticed that my account had been frozen and when I called, they informed me that is was 'Under reivew XXXX and they would let me know their decision in 2-3 business days, in the meantime giving me no access to my only source of income and leaving me stranded without funds. They gave me no reason as to why and there was absolutely no email, call, txt or any form of communication letting me know that my account was going to be reviewed which goes against their own privacy and procedure policy. The only reason I could think of that they would review my account was because my sons direct deposit was put into my account but since he is on the account there should have been no issues and it is ridiculous that they would hold my entire account for what could have been resolved with a simple phone call. This is my only source of income and now they have taken my access to my funds and I need this resolved immediately!

Company response to consumer: Closed with non-monetary relief