BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Capital Accounts, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a phone call from agent with XXXX XXXX pay. I was asked if my name was XXXX XXXX to which I replied it was but I am divorced and remarried and my name now is XXXX XXXX. I was asked to verify my birth year and was never told as to why I needed to do that only told it was a call from XXXX XXXX pay. I informed the agent I would not verify or deny any personal information over the phone unless I knew what it was regarding. Agent then told me it was in reference to an account that has been sent to collections. I informed agent that to my knowledge I have received no late/ past due/ or collection notices from any creditors/debtors. I also explained that due to a recent divorce there are some accounts that are in my name that I have a divorce decree stating I am not legally liable for. I asked the agent for the name of the creditor or debtor that had sent the account to collections and I would, while I am on the phone with them, look up that account and see if the account is or was past due and take care of any arrears. I was told by the agent that they could not tell me the creditor/debtor name. I explained that I am happy to take care of the bill but I need to know who it is from. I was told that I was refusing to cooperate and the agent hung up on me. I had 3 other phone calls that all ended the same way. Finally, after the 4th person hung on me I decided to call them. I was met with a wonderful breathe of fresh air named XXXX who explained she would have her manager send me an email to the address they have on file so I can see who has placed an account in my name in collections and I can take care of it that way. The demeanor and the words from the previous agents badgering and telling me I was refusing to pay when I repeatedly asked for alternative way to pay was uncalled for. I never once said I wouldn't pay I was merely unwilling to state my DOB or SSN over the phone. There obviously is another way and the fact I took about an hour or more away from work to handle this when it could have been done during the first phone call is unfair, rude and excessive.

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 2017-05-23
Company: Vermont Student Assistance Corporation
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got my loans from an institution called the Vermont  Student  Assistance Coorporation. First of all, they never specified to me before my freshman year of college which of their loans was private and which one was federally funded, as they offer both -- I applied for the private loans without even knowing that it was. I also believed -- because one of their loan officers told me -- that I would n't have to start paying my loans until 6 months after I graduated. I graduated 1 year ago, and I received my first bill before I even graduated. They had stacked all my payments so that my monthly bill was almost {$2000.00}, and they wanted the first payment the day of my graduation. Now, 1 year later, I 've been trying to get VSAC to lower my payments or separate them back into individual loans to pay them in a way that is more practical for me. I 've had to defer these loans almost every month of this last year. I have been told my multiple loan officers at VSAC that my stacked loans can not be separated, and I have no other option then to make the full payment every month -- they tell me that is the only thing I can do. Having only gotten a full time job for the first time after graduating 1 month ago, there is no way I can pay close to {$2000.00} a month -- I do n't know how they can expect anyone to make a payment like that. I am reporting this not only because it is making my life very difficult, but I ca n't be the only person who has their student loans through VSAC who is going through this. I would like this investigated, not only for myself, but also for others who  may  be going through the same thing.

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 2023-01-28
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
Equifax has been reporting inaccuracies on my credit report and does not seem to be fixing the problem that has become a liability to my financial options as of recent. How a huge credit bureau could be so irresponsible as to show that my XXXX XXXX XXXX  mortgage account has been closed is incomprehensible to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: ONLINE Information Services, Inc.
State: MS
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 did not receive anything from this company stating a debt was owed. 

Online Collection Services did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.

The amount was paid and they did not remove this item from my credit report. I have called several times and get the run-around from all of their reps as to why this is still reporting as a collection. 

I disputed the item with XXXX  and was told in a letter that the account was updated but it was not removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have had a lowes account since XXXX. I have paid the same date, through my bank since that time. I was charged a late fee on XXXX/XXXX/16 for XXXX, despite having paid well over the minimum requested payment, as I always do. Again, payments are automatically posted on the XXXX ( depending on business day of that month ). 

XXXX in Lowes customer service ( XXXX ) was completely unhelpful or apologetic ; told me I am paying too early and I should be changing my payment to " the XXXX '' to avoid the issue. Again, in 1 years time, this is the first time they have charged me a late fee ... ..

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 2015-11-06
Company: JPMORGAN CHASE & CO.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I AM AN XXXX OF XXXX. I applied for a Chase auto loan to replace/trade against my existing 2013 XXXX. The dealer submitted the loan application. The dealer agreed to take my car based on the remaining outstanding balance, pay it off and Put me into a new XXXX XXXX XXXX XXXX. To my surprise, my loan application was declined. Have I have a credit score of XXXX, Excellent payment history for the last 3 years on my existing vehicle, financed through XXXX XXXX. Secondly I have another car loan being financed through Chase with perfect payment history. My gross salary is in excess of {$250000.00} and I am XXXX. I submitted the last XXXX pay stubs, totaling over {$XXXX} in just the last 2 months. The reason for the decline according to the dealer was " Unable to verify my income '' and unable to verify the car trade in. I went to a second XXXX dealer and resubmitted the application, with exactly the same information. The loan was declined stating " The income on my previous application was much less and thats why they declined it the first time. I have copies of the first application and it shows exactly the same amount, {$250000.00}. I Verified my wages with my last XXXX pay stubs and to make the matter worse, I have banked with chase for more than 8 years, my business banking and all deposits go directly through chase. My mortgage is with chase for the last 20 years. I FEEL DISCRIMINATED AGAINST DUE TO MY RACE. CAN SOMEONE PLEASE EXPLAIN WHY SOMEONE WHO HAS GOOD CREDIT, EARNING A HIGH SALARY, MORE THAN NEEDED TO MAKE THE MONTHLY PAYMENT, HAS EXCELLENT CREDIT HISTORY WITH THE BANK IN QUESTION, ALREADY HAS AN EXISTING AUTO LOAN WITH THE SAME BANK, THATS IN GOOD STANDING, SUBMITTED BANK STATEMENTS AND PAYMENT STUBS TO VERIFY MY INCOME GET DENIED? 
****Income verification : I attached my last XXXX payment stubs, vendor ( XXXX XXXX ) contract for 3 years who pays monthly, the credit application I sent to the car dealer for submission to Chase. I have not included my bank statements but can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The debt collector is a third party. The creditor was sold. LVNV funding keeps harassing me and my employer, AFTER I informed my initial creditor years ago that my identity was stolen before

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an account in collections for Genesis Credit Management. Apparently it's another apartment application fee of {$100.00}. My credit score went down over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
on XXXX its still saying i have an open collections account with a collection agency when i paid the bill in full

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC 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 2020-03-28
Company: Innovis
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/20 Capital one restricted my Walmart Credit card. 
I was sleep but before I slept I was advised to submit my, social security number, bank statement. 
I asked my wife to do so. 
She submitted everything correctly except my old ID before I got my XXXX tanker I'd updated. 
Which was a three.minth old ID. 
So after calling Capital ine 100 times to explain the mistake they said they were not going to lift the restrictions and they were going to pla lce a negative on my credit report for fraud. 
That is wrong for them to do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: TN
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:
HAVING ALREADY STATED THAT THESE ACCOUNTS ARE NOT MY ACCOUNTS AND PUTTING A BAD LOOK ON MY CREDIT PROFILE AS A WHOLE

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 2017-02-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Walmart Mastercard. My payment date is the XXXX of the month. XXXX I paid on the XXXX online before XXXX. Walmart immediately recorded the transaction in pending activity for the XXXX making my payment late even though the XXXX was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. 
XXXX I paid my balance in full on XXXX/XXXX/17 specifically using the XXXX/XXXX/17 date. The payment did not post in my checking account on XXXX/XXXX/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This payment had automatically defaulted to XXXX/XXXX/17 in pending activity even though the XXXX/XXXX/17 date was confirmed by the site. I had to again go to pending activity and physically change the date now back to XXXX/XXXX/17 a day later than my original payment. 
Walmart is ripping consumers off through interest fraud. Payment dates are confirmed on the payment page. However on the payment pending page the payment defaults to the consumer 's due date. Payments made on the due date are applied a day later in pending activity so a late fee can be applied. Walmart is intentionally changing payment dates to benefit themselves. Buyer Beware! Take Notice!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX  Attorney General and 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 explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have tried to fix this problem with XXXX XXXX, XXXX  and Transunion on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both Transunion and XXXX  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.

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 2016-05-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I sent a letter to Synchrony Bank requesting that my XXXX XXXX account be closed as I am no longer able to make payments. I also requested that the account be closed ; however, my credit report reflects that the account is still open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10  years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: UMPQUA HOLDINGS CORPORATION
State: GA
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:
FINANCIAL PACIFIC LEASING / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see attached )

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 2019-12-02
Company: Nelnet, Inc.
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 account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that Nelnet reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report so I could progress with purchasing my first home XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I noticed these fraudulent reportings on : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: OH
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:
THIS IS NOT A REQUEST TO START A NEW DISPUTE, OR INVESTIGATION. THIS IS NOT A DUPLICATE COMPLAINT AND NO THIRD PARTY IS INVOLVED. THIS IS NOT NEW INFORMATION RELEVANT TO DISPUTE. 

I personally took time out of my day to send disputes to Experian, and on XX/XX/XXXX, I received an automated email from Experian saying, " We received a suspicious request in the mail regarding your personal credit report and determined it was not sent by you... we will not be initiating any disputes based on the suspicious correspondence. '' The dispute was sent by me, and only me. This is the second time you've illegally tried to stall and not follow your duties as a consumer reporting agency. The first time was a dispute sent on XX/XX/2021, and no investigation was ever done which is illegal. I demand a proper investigation to be conducted and results mailed to me. I do not consent to Metro 2 Compliance. 

You have 15 days to conduct an investigation elsewise you are in federal violation of 15 USC 1681i.

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