BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When I first ordered from XXXX I was thrilled. They then issued me credit and I also thought that was great. Then when I tried to make my first payment, the trouble began. I would try to enter my bank or credit card information for payment and it would be rejected!! I then would call the cs dept and they would try and would also not be able to complete the transaction. I would then beg for someone to please tell me why you ( XXXX ) wouldn't or couldn't take my payments, so I sent in a Check, But you returned my check saying it could not be processed!!! When you finally rec 'd my personal check and did accept it, you said I was late!!! This went on until I quit ordering from XXXX just exactly for this reason! And I get a delinquent notice on my credit!!! That is so wrong!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Conn's, Inc.
State: LA
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:
Conns home plus is reporting a late payment for XX/XX/2020 when in fact I paid them 2 payments in XXXX. This needs to be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I deposited a check for thousands of dollars at Wells Fargo Bank. This check is for medical expenses paid to me by the insurance company. However, Wells Fargo listed the check I deposited as " Unusual Deposit Account Activity '', and the check was " On Hold '' until the XXXX. During the virus pandemic and Texas snowstorm, Wells Fargos malicious freezing of normal checks deposited by customers is unacceptable to anyone.

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 2019-12-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, I was alerted by my Chase Amazon credit card that my card had been shut down due to suspicious activity. I immediately signed in to my credit card account to find the following : XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX XXXX Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX Order Number XXXX XX/XX/XXXX XXXX  XXXX XXXX WA XXXX TOTALING- XXXX After finding these fraudulent and unauthorized charges I contacted Chase card services to report that, these were not my charges. After speaking with Chase, I contacted Amazon and XXXX XXXX. At which time, I was told the charges, from both companies would be removed. And, they were ... UNTIL ... I learned today XX/XX/XXXX, that I had been re billed for these previously removed unauthorized charges to my Chase Amazon Visa. I was also not informed in any way by Chase Amazon Visa that these charges were being rebilled or why, I just happened to be going over my XXXX statement and bam ... there they were AGAIN all {$360.00} of fraudulent charges complete with interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Service Finance Holdings, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I got a personal loan with Service Finance Company LLC for Solar Equipment. On XX/XX/XXXX I requested a Forbearance due to Covid-19 and was approved for 120 days starting XX/XX/XXXX and ended XX/XX/XXXX. 
During the Deferral Period : 1. Late Notices will be disabled.

2. Late Fees will be disabled. 
3. SFC will report your Account to the credit reporting agencies with Special Comment Code AW, indicating that you have been affected by a natural disaster. 
4. Payments will be suspended and added to the term of the Loan. 
5. If your Loan is a Promotional Loan, the remaining term of your Promotional Period will apply to your Loan once the 120 -day period expires. 
6. Billing Statements will be suspended.

7. Interest will continue to accrue during the 120-day period.

8. Billing Statements will resume for the billing cycle following the expiration of the 120 -day period.

9. Other than these modifications, the terms and conditions of your Loan remain in full force and effect. 
I was still getting notices from this company, and I would call them and there reply it was computer generated and do not worry about it, you are still under a Forbearance. I got contacted in XX/XX/XXXX to see if I were able to start making payments or did, I need another Extension for Covid-19 I said yes, I would like another Extension. As with other company there was no problems with the extension until the credit Bureau were reporting me late the hole time I was on Forbearance, then I find out that Service Finance company charged off my account in XX/XX/XXXX, my first Forbearance would have ended on XX/XX/XXXX. So, my account was closed 30 days after my first forbearance, when I thought I had an extension with a second forbearance. I call Service Finance Company in XX/XX/XXXX and found this all out, I was shocked that this happen and try to fix the problem they had me catch on all payments up to XX/XX/XXXX and I have been making payments ever since. They are still reporting me late and adding late fees. They stop reporting since XX/XX/XXXX, but damages have been done to my credit. I have about 6 different credit accounts with are all in good standings, this account thru Service Finance Company has put my credit in bad ratings with late payments and a charge off while I was on a Forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: MD
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:
Hello on XX/XX/XXXX Equifax reinserted an account back onto my credit report. I received absolutely no documentation from the dispute I submitted to Equifax for this account, not only is that an issue, but the fact that this account was reinserted onto my credit report and I received not document telling me why is a violation of my rights. 15 U.S.C section 1681i ( B ) ( i ) ( ii ) Requirements relating to reinsertion of previously deleted material, Equifax has failed to follow by the law set forth for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
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 XX/XX/2019 XX/XX/2019, and XX/XX/XXXX, I sent a notice to Experian, XXXX  and XXXX letting them know that a creditor XXXX  is reporting inaccurate information. I submitted payment transactions from my bank indicating payments to XXXX. 

However, Experian, XXXX, and XXXX  are still reporting this account inaccurately. This is a violation of the FCRA. 

I'm attaching my proof of payment transactions

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 2019-12-21
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX Card Services on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I filed a complaint in XXXX and some of the accounts were removed but not all of them. I am filing another a complaint because it seems that is the only was Equifax takes action. I would like the bankruptcy and the XXXX XXXX Card Services deleted from my credit report and taken off my account immediately. I have attached the last three letters that I have sent to Equifax even the letter when they did not respond in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Attempting to collect a debt for an apartment complex for an NSF check which was paid. All the rent for the entire lease was paid in full before I moved out. A year later, I receive a letter from the debt collector about the NSF. I sent documented information  3  weeks ago of all payments made and now they are asking me to send it again. They also advised me to email it and now they 're saying they did n't receive that either. Today when I called they said they are waiting for documentation from the apt complex  regarding my dispute. Should n't they have received all the documentation they needed   before charging me with an unpaid debt and placing that on my credit report.   The initial letter was dated  XXXX / XXXX /   17  ; it stated that I had 30 days to contact them or they would consider the debt valid. I contacted them and registered the dispute before those 30 days were up and sent them the information. Collection is listed as  XXXX / XXXX / 17  on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage. I originally had PMI on the mortgage. But after the refinance there would no longer be PMI. My loan was paid off  XXXX   XXXX . On  XXXX   XXXX  the mortgage company took out a PMI payment for  XXXX , since it is always paid in arrears. Then, again, on   XXXX   XXXX   the mortgage company took another full PMI payment, this  XXXX  for the month of   XXXX  . I challenged that since I only had the loan for 4 days in  XXXX  and I believe that month should be prorated. The mortgage company argues that I have to pay for the full month yet the can not provide me with documentation for my loan where this is allowed or where this is even legal or where I ever signed any type of acknowledgment of this practice. I am requesting a refund of my {$180.00} prorate for the month of  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
From XXXX XXXX, XXXX to U.S. Dept of Education, from XX/XX/XXXX until I stopped paying in XX/XX/XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number.

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report!

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XX/XX/XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.

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 2017-04-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Victim of fraud - the criminal has been prosecuted and is serving a prison sentence for the crime. Even after submitting documentation verifying the public record that the responsible party was convicted and the account was opened fraudulently the finance companies refuse to remove the incorrect negative information from my credit report according to the FCRA.

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 2022-05-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am trying to open an account through Navy Federal not sure if its the site or if Im being blocked none the less I have called several times to inform them that their secured portal is not allowing me to upload documents I would much rather speak to a supervisor from corporate and email or mail my documents in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX. Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on XXXX shows XXXX but the other two show XXXX. The date last active is different on all three. XXXX shows XXXX, XXXX shows XXXX and TransUnion shows 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 2022-05-02
Company: Colony Brands, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Someone opened a Montgomery Ward account under my name and wrong address. My ex husband received mail and passed it on to me. I never lived at the address being sued, I also did not open the account. The account # under my name opened falsely is # XXXX Someone purchased a {$450.00} purchase that was shipped to Florida, and Montgomery Ward wants to collect payment from me. I never ordered anything from this company. XXXX XXXX XX/XX/22 I would like this account closed and my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: MI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a capital one 360 checking account. I had been putting money into that account to buy my kids XXXX. The last time I used my card was XX/XX/2021 at the nail shop for my wife for {$48.00}. On XX/XX/2021 I received a message that the wrong pin was used which it wasn't me. I proceeded to check my account an someone had drained my account all but {$350.00} from at least 5k. I reported the card stolen an called capital one. I filed the claimed an within a weeks time they denied my claim saying they didn't see nothing wrong. There's multiple transactions of XXXX XXXX, XXXX, ATM, an several in store purchases that I DID NOT AUTHORIZE. My money is supposed to be insured and I'm being robbed by the thief an bank.i shouldn't be a victim twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Opened XX/XX/21, Was issued {$1000.00} limit ( credit score hit ), then less than 30 days later my limit was reportedly reduced ( took another credit score hit ) Not happy, process not transparent, would have never started it, adversely impacted my credit standing for what? Where is the adverse action notification when credit limit dropped? Will lodge complaint with CFPB as this appears to be bait and switch!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation