BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX Synchrony Bank sued me for a debt owed on a care credit card. In XXXX Synchrony Bank sent me a 1099c, cancellation of debt form and I claimed the debt on my XXXX taxes as income. In XXXX of XXXX I contacted Synchrony Bank to get the judgment against me released and even offered to pay anything owed. I was told they could not take any money from me because the debt had been cancelled and they assured me the release would be sent to the court house. In XX/XX/XXXX I and another person I hired to represent me spoke with them because nothing had been received by the courthouse or myself. XX/XX/XXXX we were assured the release request had been sent and would arrive at the courthouse and the judgment would be released. To this date the courthouse has received nothing from Synchrony Bank releasing this judgment. My representative and I spoke with Synchrony again on XX/XX/XXXX in which we were told they would not release the account until I paid {$2300.00} to them. I had never been told any money was owed. I have been told since XX/XX/XXXX that they can not take any money from me due to the XXXX. On XX/XX/XXXX we called again and spoke with the manager, XXXX. He assured my representative and I that the release was sent on XX/XX/XXXX. He also assured me no money was owed on the account due to the 1099c. I asked for proof that the release was sent and he could not provide me with any. I asked for a release to be sent directly to me so I could personally take it to the courthouse. I was told that couldn't be done. I asked for anything to be sent to me stating I no longer owed on this debt. I was told they couldn't provide me with anything. I asked for the tracking information for the release or proof that the courthouse received it. I was told they could not provide me with that. Synchrony Bank has done nothing but state false promises to me that my account would be released and paperwork would be sent to the county courthouse in which the judgment resides. They have tried to wrongfully claim I owed money on this account. They have said they have sent the release yet the courthouse never receives it and they refuse to provide me with any paperwork or letters confirming this debt is released.

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 2022-02-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt on a Washington Mutual account that charged me various insufficient fund fees on the same day. Even up to three charges per a single transaction. They then closed and sold their debt around to some collectors. Washington Mutual has been defunct since XXXX and we are in XXXX and this debt collector is still coming for me. This should of fell off after seven years and this firm, who bought the debt, has tried calling me without giving me information as they give the disclaimer that they are recording. Then when asked what it is about they do not inform me anything but want my personal information which I am not handing over private sensitive information like my address or social security number over the phone. It is now at year 14 and this debt collector insist that this is owed to them. They do tactics to speak to you to reactivate the terms of the claim. I have been silent on them but can not take any more letters, calls, or anything of that sort. Even trying to settle how do I know that will be used to pay off this. The original amount was under XXXX USD and they have no back-up evidence on what was owed then, but have piled interest upon interest to get a payment. Firms like this really prey on people in debt. Again Washington Mutual has ceased to operate since XXXX and 14 years later these guys at XXXX And XXXX are looking for a payment on something the bank already wrote off at the time it cease to operate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to a Wells Fargo ATM on Tuesday XXXX XXXX to deposit cash and a check into my account to cover expenses, after inputting my card and pin, the ATM said it was not taking deposits. 

I then traveled to another Wells Fargo branch and ATM only to have the same problem there. 

The next day ( XXXX ), same exact problem, at both branches ATM 's. The following day ( XXXX ) after work, I tried again, after dropping off my rent check which I knew would go through right away. This time I was able to deposit at the ATM, however, Wells Fargo still gave me overdraft fees on XXXX before they posted my check going through on XXXX even though I deposited it on XXXX. 

I called Wells Fargo and they would not discharge the fees because it was n't a bank error, and told me it was my responsibility to inform them if the ATM is not working and that they had no record of me attempting my deposits on XXXX or XXXX, only the deposit I finally made on XXXX, but that because my deposit would n't go through until XXXX, they would not waive my overdraft fees. 

I do n't understand how they would have no record of my first XXXX attempts over 2 days to make my deposit at XXXX different ATM machines when I had to input my pin at those machines, plus I know I am on camera standing there at the machines. 

Why is it my responsibility to inform them their ATM 's are n't working for 2 days when they are attached to the bank? 

Contacting customer service was absolutely no help since they claimed that they have no proof that I attempted to deposit or even visited these ATM 's on XXXX or XXXX - despite me mentioning that I am on camera at those ATM 's and they accepted my card and pin before telling me they could n't take a deposit. 

If I input my card and pin at those locations, and I 'm on camera, how is there no record of me being there? Also, this is not a bank error? And why am I suppose to inform them their ATM does n't work? 

Not to mention after I did make my deposit, they still charged me overdraft fees because they posted those first before my actual deposit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
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 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.

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 2022-02-24
Company: Experian Information Solutions Inc.
State: FL
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:
Im filling a complaint because Ive noticed XXXX XXXX, XXXX, and Experian are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how theyre even able to obtain, furnish, and report completely false and inaccurate information on consumers report without maintaining 100 percent accuracy. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights.We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.

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 2017-01-19
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at a Citibank branch in XXXX XXXX, IL on XX/XX/2016. I was assisted by XXXX XXXX, a XXXX XXXX. My intent in opening this account was to receive their offer of a {$400.00} bonus plus a referral bonus of {$100.00}. During the application process, their computers experienced a computer glitz requiring another account to be started. The first failed account caused me problems of XXXX balance warnings and service fee notices until I contacted Citibank with the issue and this account was closed XX/XX/XXXX. Despite meeting all the requirements with my active account, I did not receive my bonus and referral fee when due by XX/XX/2016. I contacted Customer Service on XX/XX/XXXX and filed a dispute. I also reported the problem to XXXX XXXX as they recommended. She was very apologetic and found out the delay was related to the first failed account and would try to get the bonuses to me ASAP. AS of this week, Citibank is claiming that a large volume of disputes is causing a 30 day delay in processing. I would like Citibank to honor its promise to credit my account with the earned {$400.00}.

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 2017-02-18
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is a complaint I submitted about a year ago but I no longer see it listed here. Federal loans that were taken out in XX/XX/XXXX and XX/XX/XXXX were consolidated under the new student loan programs started by President Obama. FedLoan student loan servicing has incorrect information about these loans and it is negatively effecting my ability to apply for lower month repayment plans. These consolidated loans show up as having been borrowed, gone into repayment, had the first bill due and defaulted all on the same date in XX/XX/XXXX. I was not a student in XX/XX/XXXX so no loans were borrowed in XX/XX/XXXX. A loan would not go into repayment on the same date that the first bill was due. Loans do not go into default until 290 days after no payment has been received from the first due date. So none of this adds up. I have tried numerous times to use logic when working with someone at FedLoan over the phone. I have not accused an individual of doing anything wrong, clearly this is a computer error, all I 'm asking is that someone agree that it does look fishy and then look into what may have happened. As of right now, because of the status of those consolidated loans, my monthly payment is XXXX times more than what I make in a month. I clearly can not make those payments. I need some assistance getting FedLoan to review those loans and see that they are miss-marked. I have worked with CFPB on some other loans that XXXX temporary lost and the outcome was good. Though, when those loans were transferred into the hands of FedLoan servicing, the person on the phone said that there was no such agency as the CFPB and that there is nothing called the OMBUDSMAN group. I pointed out that both these entities existed and that they were government agencies which is why they have .gov URLs, to which the person replied that anyone can get a .gov address. Clearly we are not working with the best and the brightest here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
National Collegiate and trust has been on my Credit report for years now, and I have disputed them several times. They sent me and my mom letters in the mail stating we must pay right away. We sent letters for each one asking to prove this debt, and show us promissary notes. They have not shown/ mailed/ emailed/ called about this. They are still reporting on my credit. Now it 's saying the company is XXXX XXXX XXXX. It says the open date is on XXXX 2010 I do not remember ever taking this loan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Victim of identity theft & this account needs to be deleted from all 3 credit reporting agencies. I have attached the police report number for XXXX XXXX as well as the 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.

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 2016-01-15
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. 

After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MT
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 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. EXPERIAN has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with EXPERIAN. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 already my third time submitting this complaint. I have told you already, I was never late on this account. In fact, there are multiple errors with this account. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. Please remove negativity, fix and correct all inaccuracies.. 

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 non-monetary relief
Consumer complaint received 2017-05-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete

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