BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card information was compromised and reported on XXXX. I filed a Fraud claim for the charges made without my permission and Regions came back saying that after analysis, they find no evidence of fraud. They were the ones who alerted me of the fraud. How can they say they found fraud, followed by saying that there was no fraud? I am out {$680.00} because of transactions made in a state I have never even been to.

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 2022-08-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-01-27
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Wells Fargo repososessed my car with no notice. I had requested XXXX assistance twice for thre month deferments. They claimed to have sent a request form for a third deferment, however I never received such. They never sent it. Each time I would talk to a different customer service representative and they would give me inconsistent information. They repossossed my car and destoyed my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Frontier Consumer Law Group, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
In XXXX I enrolled in Fast Track Debt Reliefs debt relief program, with my 1st payment being deducted on XX/XX/XXXX. On XX/XX/XXXX I was laid off due to COVID19 and I had to skip my XXXX and XXXX payments. On XX/XX/XXXX I needed to contact the company for a question, I left voicemails, sent emails and even left voicemails on attorney XXXX XXXX ' voicemail, no one ever contacted me back. On XX/XX/XXXX I chased then down to get someone on the phone. When I finally got someone, she informed me that they could not help me until I made up the 2 missed payments of {$380.00} each and that my account was in the negative because of those 2 missed payments. I was shocked that they were charging fees to my account without making 1 payment to any of my creditors! They were eating up all of the money by charging fees, not making payments. I was told when I cancelled that they owed me no money back because I signed a contract. I signed a contract for a service that was not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$470000.00} XXXX XXXX  XXXX Balance Owed : {$470.00}

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 explanation
Consumer complaint received 2022-10-22
Company: Synovus Bank
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
First Digital Card is trying to get me to pay for a card I never used. 
I told them it was fraud, I ask for them to send me statements showing the purchases I made using this card. They were unable to show me. 
I am ask for a statement they will not provide a statement. I have never received a statement at my address. I called once they sent me a bill saying I owe the entire amount of the card. It had no purchase information just an amount I owe. XXXXirst Digital performed a fraud check. The reasons they gave were because, the identity information, matches mine, DUH! it is identity theft. they have no records of return mail or statements, because I never received them! A credit card was mailed to my home, So what, I never received it! Telephone calls were made from my phone but not when? I called asking about the status of my fraud case, that is all. they said i activated the card from my number? which number... so me the records. This is not my card. i would have loved to get the card because i need the money, but i will not pay for something i never received!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NV
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:
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 Account # XXXX, has violated my rights. 
Company name : 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. 

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 explanation
Consumer complaint received 2022-10-22
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had called Aidvantage to request a refund of all student loan payments I made during the XXXX period. The Aidvantage representative who helped me at that time had submitted my request for processing, on XX/XX/2022. 2 months later ( XX/XX/2022 ) I check my account and noticed that only a partial amount of the refund was reinstated to my account. I immediately called Aidvantage about that discrepancy and the representative informed me that whoever submitted my initial request had filled it out incorrectly and only submitted the partial amount, which the XXXX Treasury had approved/processed. So now, I had to request a second refund request for the remaining balance, and it'll have to go through the entire waiting process all over again. I am very upset that the first representative had submitted the first request incorrectly because now I have to wait another 2 months to get that resolved. 

I'm sending this complaint in with the goal of communicating my frustration and for Aidvantage to do their jobs correctly because now I need to wait for the second request to be processed before applying for the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
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:
USAA was sent a certified copy of a letter to validate the debt that they say I owe. The amount of the debt is {$6500.00} and it is reported as a charge-off on my consumer report, to this day the account is being reported late with missed payments also no XXXX form was sent to fill out, As Defined By The IRS : Even if you didnt receive a form XXXX, you MUST report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of this account as debt is inaccurate I gave them 30 days exactly and no response was given within that time frame. I then sent a notarized copy of my cease and desist letter demanding they remove the account from my report within 10 days being that I had not been shown any validation. The cease and desist letter allotted them 10 days to remove/respond to the letter. Again, no response and no removal. Certified tracking # XXXX They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states I have the right to privacy 15 USC 1681a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I signed up with a credit repair company called XXXX XXXX XXXX ( XXXX ; XXXX ) ... for a debt of about {$3000.00} during XXXX. I was paying {$100.00} every month. I kept my commitment and paid every month through XXXX. During the covid pandemic I lost my job but I continued to pay when I could. I asked for a repayment plan that would work with my situation. None was ever offered. 
The debit was then transferred to Midland Credit Management. Midlandcredit.com. ( XXXX ; XXXX ; XXXX ) ..I don't know why it was transferred. I was never informed about the transfer of my debt. For some reason, some of my payments weren't accepted. I called to ask why and they never explained the reason why my payments weren't accepted. 
I then received a notice in the mail in XX/XX/XXXX that my debt was now increased to {$1000.00}. I had paid the debt down to {$100.00}, so I did not understand why my debt was increased to over {$1000.00}. I called Midland Credit Management in XX/XX/XXXX and inquired about this increase. They did not give me any answer. They said they declined my payments sporadically .... for XXXX, XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX. They did not give me a reason why. 
Now Midland Credit Management states that I owe {$1000.00}. They have never explained why my debt has increased over 10x. They intend to file on my credit report.

I beleve both of these companies are engaging in illegal and predatory practices towards their customers. Can you please investigate and help me determine how to prevent these 2 companies from negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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 opened a Synchrony credit card to avail of 0 % financing at XXXX XXXX and XXXX XXXX furniture store. 
This is a store specific card. After I completed all my purchases over the course of a year, I did an account reconciliation and found out that my total charges on the account exceeded my total purchased at XXXX XXXX. I reached out to the store manager in XX/XX/XXXX and finally got confirmation from the bank on that they had XXXX charges of {$1800.00} which were in accurate and needed to be taken off the account. I have since XX/XX/XXXX reached out and followed up multiple times and am yet to see these charges credited back to my account. In my understanding of how systems works, it seems that there is no good way of accounting for these 18 month 0 % interest purchases between the store and bank. The system seems manual and error prone and I can only imagine how many other customers have had similar issues or just overcharged and not realized it. This defies any following of basic financial auditory controls to ensure accuracy of processing financial data.

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 2022-08-02
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/XXXX entered into forbearance plan with XXXX XXXX XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XX/XX/XXXX entered into forbearance plan with XXXX XXXX XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year

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 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries on my report I do not recognize Also reporting a late payment on XXXX XXXX in XXXX and my payment was never late

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 2022-10-22
Company: Thrift Investment Corp.
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: Account status incorrect

Complaint:
Account was paid in full no late payments, negative remarks regarding repossesion are inaccurate. 

I recently received a copy of my consumer report and i noticed some late payments/reposession comments being posted on my consumer report.

THRIFT INVESTMENT Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S Code $ 1681b- Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give any written instructions to furnish this account on my consumer report?!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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:
Acount number # XXXX ( XXXX I've submitted a letter to all three bureaus no response and nothing was done- on the credit report reinvestigation is in progress this has been since XX/XX/2021. I requested contract paperwork with my signature regarding this student loan, again I have no idea who this company is etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off Bank of America credit card on XX/XX/2022 and bank is still charging me {$4.00} in interest. Total payments I paid that month was {$4000.00}. 


Thank you, 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 2022-08-24
Company: Bread Financial Holdings, 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:
15 u.s.code 1681a your company is clearing violating the law rules of construction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IC Systems is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and reached out to them to get validation of debt to resolve this issue. I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. This account should be deleted from my account now!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I had 2 late fees on my account and called and explained that my husband got XXXX they waived both fees of {$18.00} each

Company response to consumer: Closed with non-monetary relief