BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I submitted a complaint about Experian, which is pending : XXXX regarding Experian intentionally falsely stating that an account from Credit One is open and {$470.00} is owed when that account was paid and closed at my request. They did so intentionally because the last status from Credit One occurred on XX/XX/2021, yet I disputed 3 times since then, providing even my credit card statement showing no balance owed and no available credit at all because the account is closed, on XX/XX/2021. I reported to you that Experian took that Statement and XX/XX/2021 dispute, FROM ME, and used it to fraudulently update my report as open and still owing {$470.00} as of XX/XX/2021, while attributing that report to XXXX XXXX XXXX response to my dispute when in fact it could only have been attributed to my uploading of my statement on that same date. 

So I submitted a complaint to you, which remains pending. In the interim, yesterday, Experian notified me that they updated OTHER CREDIT CARD statuses on my report and today you notify me that they continue here to claim they need additional time to " investigate '' my complaint. So I went to review my Experian report and Experian has SECRETLY, without INFORMING ME OF ANY REVISION OF MY XXXX XXXXXXXX REPORTING, changed the report again to state that the account is open and still owing {$470.00} as of XX/XX/2021 instead of XX/XX/2021. 

This means they unraveled the second fraud of intentionally misreporting the debt based on the Creditor 's verification of the amount owed while it was really based on my upload of a credit card statement showing NO AMOUNT DUE. But it also proves that XXXX XXXXXXXX has AT NO TIME responded to affirm that there is ANY AMOUNT DUE in response to any investigation by Experian of the three disputes I have submitted for this credit reporting line since early XXXX. 

Therefore it can only mean that Experian has been lying to me this entire time in reporting TO ME numerous times that XXXX XXXXXXXX has repeatedly responded to Experian with proof affirming three times since early XXXX that I owe this debt. I do not in fact owe this debt and XXXX XXXX has never said any such thing. They simply have not reported the account closed and paid yet. Experian simply is lying about doing ANY INVESTIGATION WHATSOEVER. I do hope you will hold them accountable under the law for this FRAUD. 
Look at my report, XXXX XXXX has not reported this account in any status since XX/XX/XXXX, yet Experian has " resolved this dispute '' to affirm the debt three times since XX/XX/XXXX! Outrageous.

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 2015-05-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ID Analytics, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested my credit report in writing three times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion is refusing my credit score in which I'm trying to keep up with due to fraud and stolen identity there is a fraud alert on all my credit reports yet the information they will not release to me is causing me even still to not be able to properly apply for or receive credit or loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the course of this loan I have not missed a payment and have paid more than {$1000.00} additional monies to principal plus monthly payments. I requested a deferment on my loan for three months and was denied. They gave me one month, WHICH WAS NOT ENOUGH to help me get ahead.

This was not considered and my only option was payment plan that is quite unfair as it does not help a consumer like me who has not missed payments and paid additional to principal.

Another way to rip off consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Requested my credit report in writing three times to no avail.

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: MD
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
It is my experience that this online school falsely misled me into an online program and overcharged me. leaving me with no degree and no way to pay the debt that is now as follows : SUBSIDIZED LOAN XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX. {$4800.00} XX/XX/XXXX. {$1900.00} UNSUBSIDIZED LOAN. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. {$11000.00} XX/XX/XXXX. {$3500.00} TOTAL DEBT FROM THE XXXX XXXX IS : {$21.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Hi, In late XXXX I had some trouble with making a payment on time for my car loan with Capital One. Realizing how much of a problem this was I reach out to Capital One Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted Capital One Auto in XXXX and informed of the late payments that were reported after completing an investigation Capital One Auto corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that Capital One Auto marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting Capital One very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Credit Management Control, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I have a JC Penny Charge Card and have had it for more than 30 years. For many years I have kept this card at a zero balance. I used the card only to keep it active and did some minor charges in XXXX 2015. For the record, on XXXX XXXX, 2015, I thought about my account and realized that I did not receive a statement from JC Penney. So I went on line, and checked. Much to my amazement I had a payment due on XXXX/XXXX/2015. I called JC Penny on Friday XXXX/XXXX/2015 and told them that I did not appreciate their deceptive tactics which is not sending me a statement at all and then popping me with an {$18.00} late fee. I told them that the only reason I was contacting them was to inform them that I am reporting them to the FTC for deceptive credit practices. The late fee is really a non-issue, the issue is JC Penney Credit is conducting deceptive credit practices, I am reporting it, and I expect the FTC to take note and take appropriate actions to protect other consumers. 
Also for the record, my XX/XX/XXXX JC Penney statement arrived a few weeks ago as it should and I paid on time as I should. It really helps out consumers a lot when we are mailed our statements and are informed of the due date. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have completely paid off a retail account that was for a piano with Synchrony Bank XX/XX/2016. However Synchrony continues to report this bill as 90 days late with a balance remaining of {$1000.00}. This account has been paid down and off from an original balance of {$20000.00}. I have even received the paid off retail contract from Synchrony and release of lien on the XXXX Piano, but Synchrony is not reporting this to any of the credit bureaus.

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: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i did recevi not on my house i owe selip & styliano XXXX collection agency monney i did spoke withe this pople to provide me prove of the account they never did send me prove, they claim to be lawers some time they claim tobe collection agency, thee account they r saying i owe monney is abou 10 years old so i toll them please send me proves, first name they use was XXXX XXXX second name they use XXXX XXXX nothing matches they thret me the bother me for thee account i never owe or have any id was opend 10 years a go, please XXXX help me to resolve this problem any prove they have to send to you please send those to my house THIS COMPANY SELIP & STYLIANO THEY SAY WE R COLLECTION AGENCY SOME TIME LAWERS THEY USE DIFERENT NAME LIKE Cohen & Slamowitz THIS IS SCAME FROM THEM XXXX COMPLAINS I READ WHAT THEY TRY TO DO TO PEOPLE WHO THEY R WHY THEY USE DIFFERENT NAMES

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 2016-06-22
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
charging interest not charged on disputed medical bill turned over to them .Placed on credit report without stating disputed Debt. Placed on spouses credit report when he did not sign for debt and again did not state disputed debt. Notified neither party was going to place on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Company name is REMITLY is based out in Washington state! The bank is telling my sister that shes not able to pick up the money because theres nothing there and plus they say they already send it but theres deposit there. if thats what they say ( I got a receipt that says How much when and how I send it )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: BARCLAYS BANK DELAWARE
State: NY
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:
My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. XXXX/XXXX  - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.

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 2015-12-31
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card
Issue: Billing disputes

Complaint:
I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22
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:
My consumer right has been violated according to 15 us code 1681 inaccurate information is listed on my report which should be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
What happened? Two time in a few years I found in my account with Wells Fargo Bank spendings among my spendings! It is very interesting that most of them were with the same companies and pretty close of mine as values! I talk to customer service : they were very amiable, asking to be forgotten, and immediately they returned money in my account and sent me a letter with a paper to be filled up and signed by myself that really I didnt do those spendings! This time I found a {$300.00} atm withdrawal in XX/XX/2019! Because I could access my account through my phone, I did make the habit to do it, 2-3 times weekly! This withdrawal appears just in XXXX of XXXX 2019! On XX/XX/2019 I talked to customer service! There was a man who locked out my debit card and said in 7-10 I will received another one, and the money will be returned! 
The amount remain, card was not sent, and Bank called me through a lady, who treated me like I was the thief! I showed her my proofs : 1. Because I came from my country on XXXX. The 3rd evening I was very tired and the next day I stayed in my home for rest 2. I came with a few thousands dollars from my country, the value of my retirement there, than I did not need cash 3. They did not sent another card according to their promise and the letter with papers to fill out 4. This intimidating talking with her After all these Bank Wells Fargo sent me a letter and concluded : I withdrew {$300.00} without any proof against me! I was in the XXXX XXXX Wells Fargo Bank talk again with a banker there and, than with customer service! They refused my proof and promised to send a letter in 30 days with their proof, which they did not want to tell me in our talkings!

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