BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: MI
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  Accounts XXXX for the amount of XXXX dated XXXX for XXXX XXXX XXXX, account XXXX dated XXXX for XXXX XXXX XXXX XXXX and account XXXX for XXXX XXXX has violated my rights.

15 U.S.C. 1681section 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 2016-03-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call.

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 2022-07-21
Company: OPORTUN FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have an inquiry on my credit report from Oportun Inc./Progreso financial on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to Oportun  about XXXX  months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX came to my home to install an alarm two years ago. The alarm was not installed correctly. I called several times and once a technician came out to my house and still continued to have the same problem. I called them and advised that I no longer wanted an alarm that did not function correctly. I told them they could come and pick up their equipment at any time. To date, I have never received any notification from XXXX or further billing. Now I see that the debt has been reported to my credit report by a collection company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I've checked my consumer report and I see inaccurate personal information reporting to my credit report. This information is wrong, and I never went by none of these names ( XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, the correct name that is supposed to be reporting is ( XXXX XXXX XXXX XXXX the job XXXX  XXXX is inaccurate. I have never worked for that employer. Additionally, the following address that is reporting are inaccurate ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. According to the FCRA everything has to be reported accurate on my consumer report. I have attached a copy of my personal information for it to be 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 non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NJ
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 declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. I'm the person who is writing this letter. Further, I certify that I am permitted by FEDERAL and STATE LAW to file a dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATIONS. The items found within my credit report that I listed 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

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 2015-07-18
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I JUST FILED BANKRUPTCY IN XX/XX/XXXX AND ALL DEBTS WERE DISCHARGED IN ON XXXX/XXXX/2015. THIS COLLECTION AGENCY KEEPS REPORTING AND LEFT THE ACCT OPEN WHICH HARMS MY ATTEMPT IN REBUILDING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX, I found out that Experian credit reporting company was erroneously reporting that my XXXX XXXX account was past due 30 days for XXXX XXXX. I called the XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they repeatedly stated that they did not report my account as being past due. I have contact Experian on multiple occasions via phone and online trying to get this issue corrected. Most recently on XX/XX/XXXX and XX/XX/XXXX again submitting the letters that were sent to XXXX XXXX to correct the issue. Again this has never been reported by XXXX XXXX as past due. Experian never corrected the error. Experian has never reported a status of this inquiry to me. I want this issue to be corrected. This account for XXXX XXXX XXXX is now Closed but I still want the Payment History to be corrected!

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 2022-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Issue: APR or interest rate

Complaint:
I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and card.

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 2015-05-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Synchrony Bank sold my charged off acct to XXXX XXXX XXXX. XXXX XXXX ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and XXXX will only reply with the same XXXX inaccurate statements that they received from Synchrony. There is a court order against GEMoney and GEMoney was to apply credits to qualified CareCredit acct holders accounts. Synchrony spun off from GE and acquired many accounts of which Synchrony was to apply the deductions. Synchrony DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified Synchrony Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against GE Money CareCredit unless I called XXXX XXXX XXXX. How? Synchrony has the account information. XXXX only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by XXXX XXXX XXXX. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under XXXX attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please 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 explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Information belongs to someone else

Complaint:
I am sending this over because there is a fraudulent account on my credit report. This account is fraudulent and does not belong to me. Therefore the account should not be on my file. Attached, you will find a copy of the Federal Trade Commission 's claim and a copy of my license. Please remove the account as soon as possible. According to 15 USC 1681 C-2 Subsection ( a ), you have 4 business days to block this information from my report. This was request was not made in error. I, XXXX XXXX, did not give any credit reporting agency written instructions to include this fraudulent information in 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: Bread Financial Holdings, Inc.
State: CA
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:
There was a fraud charge made mid to end of XXXX. I notified Comenity Bank which is the bank that issues the cards for Victoria 's Secret. They stated they will start a fraud dispute and issue a new card within 7 business days. I have called them more than four time and also spoke to a supervisor. I have not received any letter showing the dispute for fraud charge has been started, I have not received the new card as promised. I dont want to be charged any interest and they refuse to issue a new card when account was in good standing, they refuse to send any written adverse letter with any reasons as well as refuse to send a letter showing the dispute has started. It was sent to a property in another state and they continue to say they will send a new card and letter however when I call they say there doing a system update for the last month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: NC
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 Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Advantage credit card that I barely used over the last year. I was charged a {$50.00} membership fee and was unaware due to the fact that I barely use the card and didnt see the email with the membership fee charge on time. I got an email in XXXX regarding a late payment and called up and paid the membership fee immediately on XX/XX/20. The due date was XX/XX/20. I was aware it was late and requested to speak to a representative so I could square away my fee and close the account which I did. Apparently I got an email in XXXX, XXXX and XXXX regarding a late fee and accrued interest fees that were piling up but due to Covid pandemic I was not on top of my emails starting in XXXX. I got XXXX  with XXXX  at the end of XXXX and recovered in XXXX and then gave XXXX  early XXXX. Due to these circumstances I was not on top of my emails. In XXXX I looked back at my emails and noticed that Citi bank was sending me notifications of a late fee and interest accruing on the late fee. I was confused because I was certain that I had closed that account in XXXX and squared away my balance. When I called to speak to the representatives at Citi credit card company, I was bounced around to different departments and was told that the late fee only was charged at the next closing cycle of my account and that I should have checked my account even after I closed it and was under the impression that I had cleared my balance. This was very upsetting to me because Im a responsible credit card holder, I pay my bills on time and have outstanding credit ratings will all my cards. I asked as a courtesy if they could waive the late fee and interest possibly because I felt that I shouldve been notified at the closing of my account that there would be a late fee charged on the coming month cycle despite my closure. I was not notified of this and was lead to believe that my account was closed and paid up. They refused to acquiesce and insisted I need to pay the amount due. I spoke with a supervisor and was told the same thing. I dont feel that i should be responsible for all the accrued interest and additional late fees that would were charged after the closure of my card.

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 2017-07-29
Company: Paramount GR Holdings, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX reported that XXXX XXXX XXXX XXXX ran credit checks on the following dates : XXXX XXXX, 2017 XXXX XXXX, 2017 ( twice ) XXXX XXXX, 2017 XXXX XXXX, 2017 I emailed them to cancelled the refinancing mortgage loan o X/XX/17. These items are significantly have lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going to cosign for an automobile but changed my mind when the dealer stated there was fraud protection on my report and the dealership wanted me to phone and have it removed. I refused and asked that my application be eliminated. I no longer wanted to act as co-signer. However, a few days later I received correspondence from XXXX XXXX XXXX that provided 2 versions of the facts. One document claimed that the dealer did not obtain my credit report while another document dated the same date stated that the dealership had obtained my credit report. I also received a document from XXXX XXXX Application # XXXX that claims they were informed by XXXX XXXX XXXX I was seeking finance. This is false.

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 2022-04-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Been a client for years and closed my bank account. Setup autopay under the new bank account and Synchrony still lost my payments. They charged me for late fees and closed the account despite my perfect payment history for years.

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 2017-01-18
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 've been working with Navient Loans for over a year now trying to do forbearance and income-driven payment plan. They have requested I complete an application about four times and mail information to them. I 've followed their instructions and mailed all the requested paperwork to support my request and income verification. As of last week they continue to state they are not receiving the information. Now they are not willing to work with me and I can not afford the payments and this is affecting my credit and they are threatening to garnish my taxes and check.

Company response to consumer: Closed with explanation