BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: SYNCHRONY FINANCIAL
State: TX
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:
Please be advised I am disputing this amount as I never received the item and requesting the transaction to be cancelled. The business failed to cancel my transaction and continues to bill 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 2023-03-07
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The account has been charged off and no 199-c was mailed. in violation with it on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CT
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Kikoff 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:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is inaccurate information on my Transunion credit report that has been reporting negatively for over 7 years. This account was charged-off XX/XX/XXXX ( attachment of charge-off included ) but it is stated to remain on my credit report until XX/XX/XXXX, which is 7 years and 4 months from the date of charge-off. 

The last payment made on this account was XX/XX/XXXX and it should have been removed from my consumer report by XX/XX/XXXX. Even 7 years from the date of charge-off, this item should be removed no later than XX/XX/XXXX. This account has also been re-aged several times. 

Transunion stated that they reinvestigated this account and the information was verified as accurate, but this is impossible since it exceeds the 7 years of delinquency allowed by the Fair Credit Reporting Act, which also states 100 % accuracy.

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 2023-02-18
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Pentagon Federal Credit Union did not disclose the exact percentage that would be added when converting to a fixed rate loan. This was never disclosed in any verbal nor written communication. The load begins with an introductory rate of .99 % for the first 6 months and then moves to a variable rate loan. What was not disclosed is that to convert to a fixed rate loan they add an additional .25 % as well as 3 % on top of the prime rate. During the application process this 3 % was not disclosed.

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 2023-01-31
Company: EQUIFAX, INC.
State: SC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXXXXXX Balance - XXXX XXXX XXXXXXXX Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX ; XXXX  XXXX : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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: Investigation took more than 30 days

Complaint:
I sent a letter asking Experian, XXXX and XXXX to investigate my accounts. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX  and XXXX  have XXXX  days to investigate and send me the results. 

And they also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below :

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 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I charged a trip through a travel agency out of XXXX XXXX at XXXX per month on my Capitol One credit card. The monthly charges came out to about a little over XXXX. The travel company became insolvent on XX/XX/XXXX ; so I was not aware they were not going to refund any monies to me. My trip was moved to XX/XX/XXXX. Capitol One stated I did not file the dispute in a timely manner and refuse to charge back the funds to my account ; which put me way over my approved balance. The company kept changing my tour dates and in good faith I expected my tour to go forward. Capitol One has continued to deny to pay me back the funds for a service I in good faith did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Bread Financial 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:
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. Comenity/LandsEnd started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time 100 % of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity credit line on a fully paid house in XXXX XXXXXXXX XXXX  after a provisional approval I was denied credit on the basis of : -Temporary or irregular employment -Value or type of collateral not sufficient I believe the Bank did not treat me fairly and did not take into account all the information. 
On the temporary employment issue : I worked non stop from XXXX when I came here to the XXXX to XXXX a master in real estate which I successfully completed. In XX/XX/2022 I joined XXXX where I am currently employed with a respectable position and salary. 

On the collateral issue : The Home equity line I subsequently requested, was for XXXX secured by a house value by the Bank at XXXX. Furthermore, I hold assets with the same Bank overseas in excess of XXXX therefore their reasons are not very solid hence my claim of unfair treatment. Please do not hesitate to contact me for any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-07
Company: SYNCHRONY FINANCIAL
State: TX
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 have submitted documentation to Synchronydirectly to the office of the President to a lady by the name of XXXX, in an effort to resolve my dispute of charges, missed payments, and debits to my bank account resulting from identity theft. The office of the president of Synchrony contacted me and assigned a point of contact, but this person lied to me, stopped answering my messages, and did not return my phone calls after I requested a refund for funds that were drafted from my bank accounts without my permission. Synchrony bank has been playing with this account for over 6 months and has damaged my credit score. Synchrony responded to a previous complaint that this issue was not resolved in my favor but that is also false. The company has not reported the correct information to the credit bureau and refuses to address the issue. I would like the Consumer Finance Protection Bureau to investigate this issue and would like to receive assistance with representation to sue Synchrony for the damages that it has done to my person,

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 2023-02-20
Company: EQUIFAX, INC.
State: FL
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX Ally Bank The 1099 INT that was given to me for the year XXXX is wrong. I did call Ally but the person on the phone did not want to hear what I had to say and hung up on me. Allys CD calculated interest is posted ( added to the total ) at the end of the CD term. The CD accrues interest daily and is stated on the monthly statement but is not added to the balance. The 1099-INT that Ally gave me is for the total interested added to the CD at the end of the CD term not the actual interest earned for the year XXXX. As seen in the bank statements provided. I earned {$940.00} from XX/XX/XXXX to XXXX XXXXXXXX year. It clearly states on my bank statement for XX/XX/XXXX the interest I earned for the year XXXX is {$320.00} not {$940.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my Saks fifth avenue credit card .Saks Fifth Avenue XXXX XXXX XXXX stating I am still employed and my card is still active and open. On all credit reporting agencies account show closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AVANTE
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting a balance of {$11000.00} on my credit report. AvanteXXXX is also reporting an inaccurate balance of {$680.00} This needs to be removed due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently attempted to contact Wells Fargo to inquire about the settlement concerning wrongful practices for mortgage customers. My house was foreclosed in 2012 after my monthly payment increased 30 % and Wells Fargo refused my attempts to refinace or negotiate a loan modification for a path for me to keep my house. After Wells Fargo and other banks received billions in Federal bailout money, they put the squeeze on me and took my house when I was most vulnerable. I had owned the house for over 10 years and in a matter of months it was sold-off for {$30000.00} below fair market value. They just cleared it from there books, another statistic of the Great Financial Crisis. Although Wells Fargo never lost a penny on my mortgage and received many punctual payments and fees from me, the foreclosure stayed on my credit report for years. Even now that the Consumer Financial Protection Bureau has given Wells Fargo an opportunity to make their previous unsatisfied clients " whole '' with a multi-billion dollar settlement I have not received any money or a response from them. The silence is deafening. The article i read said Wells Fargo was " required '' to notify customers and provide " swift '' payment. My mortgage debacle is a case study in the breaking of federal consumer protection laws. Do the right thing Wells Fargo. Sincerely, Lost Decade

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo would charge NSF fees every 2-3 days days and would cause my acct to be negative. I would call and try to discuss the situation and they wouldnt remove the charges. This led to my overdraft and negative account. The end result was that I couldnt pay fees and they closed my checking and savings account. Now Im I. Collection

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 2023-07-20
Company: SYNCHRONY FINANCIAL
State: AL
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:
I have been a customer of former Carecredit now Synchony bank for 6 years, I have never missed a payment and recently paid my balance off in fulll. The next month they closed my account. No explanation. I have recently paid off my car and three credit card, my credit score has increased by XXXX points. This is a terrible company and they need to face legal consequences for their actions.

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 2023-04-24
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX Student Loans... Correct payment % to reflect 100 % not 39 % due to natural disaster. In the report details : Times 30/60/90 days late 0/0/13 is inaccurate and should reflect Times 30/60/90 days late 0/0/0. 13 late payments should not be reflected in this field. Worst payment status should reflect Current. Term should be 0 month. XXXX Currently on-time ; 13 Missed should not be listed? 0 % paid off should be listed. XXXX and XXXX has the correct payment history % correct at 100 % and does not have impact to my credit payment percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: NEW YORK COMMUNITY BANCORP INC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXXXXXX XXXX, I moved my homeowners insurance from XXXX XXXX XXXX XXXX XXXX. Flagstar Bank, my mortgage company, sent the payment of {$2700.00} from my escrow account to XXXX XXXX instead of XXXX XXXX. In late XXXX or early XXXX, I received notice from XXXX that my insurance premium had not been paid. In order to keep my insurance in effect, I made the {$2700.00} payment from my personal account. After working with Flagstar for 1 1/2 months, I have still not received a refund of the money they owe me. 

I have attached a document outlining the steps I've taken and conversations I have had with Flagstar.

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 2023-07-21
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a balance of XXXX student loan that I'm unaware of the name of the company is DEPT OF ED/ XXXX XXXX .

Company response to consumer: Closed with explanation