BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had XXXX sccount with synchrony. Had never missed one payment never late. Credit score good XXXX percent payments. Then on XX/XX/2022. They closed all account. And all they say is high risk for failure To pay. I've never been late ever. One card had just got in XXXX. There ruining my credit I worked so hard to build. This is so so wrong. Yet u go apply for a new card and they approve u. So u get another hit on credit. And lower average time of having credit. But that's what they tell you go reapply. This does not make sense to allow a company to do this to good paying people. That work hard to keep payments up and good 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 2020-04-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX I mailed a certified letter to Experian requesting proper validation of a few accounts. I called XX/XX/XXXX to verify the letter was received XX/XX/XXXX like stated by the post office. I have been disputing these accounts for over 6 months. Per FCRA 609 I requested proper validation meaning original application and identification used when account was opened. On Sunday XX/XX/XXXX I was notified that the investigation of a couple of accounts were complete. I called Experian XX/XX/XXXX and spoke with XXXX in the XXXX department and he stated all though XXXX XXXX did not provide the proper validation that was requested the account will remain which is against the law. Experian is refusing to properly validate the accounts as I requested.

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 2015-12-21
Company: Altisource Portfolio Solutions, S.à r.l.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Nationwide Credit I reporting to XXXX that I owe {$3000.00} to an apartment community called XXXX. I have contacted Nationwide Credit, requesting a detailed explanation for the debt they are attempting to collect, but they are refusing to supply this information. It is a violation of my rights, under the Fair Debt Collection Practices Act to continue to report this debt to the credit bureaus, if they can not verify details about the balance they are trying to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
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: Account information incorrect

Complaint:
Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
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I sent a RESPA Letter to   XXXX   XXXX   XXXX   XXXX   and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ...   XXXX   XXXX   XXXX   XXXX    was receiving payments but NOT posting them timely to my mortgage account. In addition,   XXXX   XXXX   XXXX   XXXX   withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
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I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.

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 2022-03-21
Company: Credit Karma, LLC
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
There was an unauthorized charge to my credit karma account. I reached out to them to dispute the charge. As seen below they they blocked the charge from competing this time and multiple times after that point. On XX/XX/XXXX they allowed the charge to clear. I emailed them to dispute the charge again. After multiple back and forth, they told me to reach out to the merchant. I again explained to them they stopped this charge before and they refused to reverse it. I then asked them to have a supervisor to contact me. At this point they deactivated my card with out my knowledge. 

I then started a deposit into my account from my XXXX earnings from the weekend so that I could get dinner. After the deposit, I went to my account too nice dinner if the cash to my savings account and saw that my card was deactivated and the money I was trying to deposit was not in my account. 

I immediately called Credit Karma and was told they deactivated my card because it was lost ( Which it wasn't ) and they could not reactivate the card. I've tried too reach a supervisor and I have been on hold for 30 mins. And they refuse to reactivate my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is concerning the recent ruling on Wells Fargo Loan Modification XXXX ( XXXX ) ; I didn't receive any notification involving a lawsuit regarding loan modification approvals that weren't processed instead foreclosure steps were taking place. In XX/XX/XXXX, I spoke with home preservationist XXXX XXXX stated after provide all the information over the phone stated that I would qualify for the loan modification. She stated she was going to send a package for me to complete with supporting documentation. While waiting for the package to me sent I received Notice of Default and Intent of Foreclosure from American Servicing Company via certified ltr notarized. After receiving the certified letter, I received a package in the mail that had documents to complete to start the modification process. On XX/XX/XXXX, received letter in the mail stating my documents have been received and were being reviewed. In XX/XX/XXXX, received letter of assignment of home preservationist specialist to assist me in my process. Then mid XX/XX/XXXX, ASC affiliate of Wells Fargo Bank had sent certified letter concerning acceleration and foreclosure right to cure. After receiving that notification called to check the status of my modification customer service of ASC stating that no notes concerning modification. Since ASC aka Wells Fargo wouldn't acknowledge the communication about the loan modification I proceed with filing a complaint with West Virginia Attorney General Office against Wells Fargo to prevent the foreclosure. An individual work with my state attorney generals office Consumer Protection & Antitrust Division worked with me to stop Wells Fargo from foreclosing. Wells Fargo. I think that I should have been notified about the class action lawsuit with Wells Fargo because they made the error and my state attorney generals office requested that they correct the foreclosure. Wells Fargo process the correction as a modification but only to there advantage didn't assist me with my hardship only reinstated my loan to satisfy the attorney generals office. After the investigation was completed Wells Fargo sold my mortgage to 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 2022-03-21
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XXXX XXXX, I filed a dispute with this bureau about the unverified account XXXX XXXXAccount number XXXX and XXXX  XXXX XXXXAccount number XXXX. In these 2 months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern,
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have 
failed to maintain reasonable procedures in your operations to assure maximum possible accuracy 
in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% 
accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information, therefore, needs to be re-investigatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account status: OPEN 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other 
instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely 
inaccurate and incomplete, and as such represents a very serious error in your reporting. Please 
delete this misleading information and supply a corrected credit profile to all creditors who have 
received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or 
other subscribers.
Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the 
description of the procedure used to determine the accuracy and completeness of the information is 
at this moment requested as well, to be provided within fifteen (15) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # XXXX, has violated my rights. ( Inquiries ) -- - 1. XXXX - XX/XX/2021 XXXX / 2. XXXX - XX/XX/2021 XXXX / 3. XXXX XXXX XXXX  XX/XX/2021 XXXX / 4. XXXX XXXX XXXX XXXX  Companies XX/XX/2021 XXXX  / 5. XXXX  XXXX  - Mortgage Loans XX/XX/2021 - TransUnion / 6. XXXX XXXX Mortgage Companies XX/XX/2021 TransUnion / 7. XXXX - Mortgage - XX/XX/2021 XXXX / 8. XXXX - Mortgage - XX/XX/2021 XXXX / 9. XXXX XXXX XXXX - Mortgage Companies XX/XX/2021 XXXX  / 10. XXXX - Mortgage - XX/XX/2021 XXXX / 11. XXXX XXXX Mortgage Companies XX/XX/2021 XXXX / 12. XXXX XXXX  Mortgage Companies XX/XX/2021 TransUnion / -- 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

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 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to recieve a loan modification from Bank of America and feel my case has not been reviewed correctly.Myself and my lawyer have sent in all items asked of us in the proper time frame and still have had no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender refuses to stop the sale date to give the opportunity for Loan modification Review.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This was not sent in error i am a consumer by law and my information is missused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: CNG FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In the first week of  XXXX  the   XXXX   XXXX   XXXX   called and threaten to have me arrested if I did not pay  XXXX  on  XXXX   XXXX  and  XXXX   XXXX . The person was very demeaning and rude and told me I would go to jail. Then even called my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: WELLS FARGO & COMPANY
State: SD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Per the attached multiple responses from Wells Fargo, no additional information being provided by me, XXXX XXXX, which is a false statement. Wells Fargo is taking advantage of me and my language as being born outside of US. Multiple cases : case number XXXX, XXXX, XXXX, XXXX pertaining to my dispute about closing my deceased husband business account with Wells Fargo and distributing all funds on the business account to me as his only available heir ( in absence and missing information to me pertaining to other owner/owners of the LLC ) XXXX Those multiple cases were opened with constantly changing specialists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,. No wonder that due to the changing hands those specialists were unable to locate the submitted information from Wells Fargo XXXX at XXXX XXXX by personal banker during my appointment, and that last reply is not more than a pure lie. The Certificate of Termination of a business entity XXXX Weapons Systems issued from TX XXXX of XXXX on XX/XX/2022 ( that would be required have the consent from other owner/owners if they really are existed ) was passed thru all statutory compliance as said on the documents presented, otherwise the termination of XXXX could not be accomplished. After the death on my spouse/sole business owner of XXXX Tech Weapons XXXX XXXX XXXX XXXX XXXX to be found of other business owner/owners information I had no choice but to have all control over the entity to deal with incoming requests after my spouse death about sales tax, franchise tax, IRS, payroll tax. If other business owners really would exist they have to deal with business matters like this, not me. 
I am not aware of any partnerships between my husband and others, and dont have information about other business owners place of residence, no contact information to get in touch with them. Wells Fargo is unable or refuse to provide me with their contacts to resolve the dispute. To my knowledge the XXXX XXXX of Wells Fargo bank has been contacted and he does not see any problems to change the ownership on this business account due to those special circumstances and distribute 100 % of the remaining balance to me, but other departments seems to be not in sync with 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 2022-07-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
One of my federal student loans has continued to accrued interest through the whole student loan relief time period. The loan is XXXX XXXX - XXXX and has an approximately balance of {$8100.00}. In addition, when my student loans were transferred to XXXX that same loan was kept by Navient and also transfered to XXXX doubling the loan. Now my accounts in both Navient and XXXX show a balance for that loan which means I would have to repay that loan twice. When contacting both companies they would refer to one another for answers and none were able to help me at all. I need help resolving this issue.

Company response to consumer: Closed with explanation