BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: SYNCHRONY FINANCIAL
State: VA
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:
This company is using unethical tactics to avoid a resolution to my complaint. Their represented told me a lie while on the telephone call while setting up a payment plan. Because of this lie my credit has suffered and this company is not being truthful avoiding fixing the issue. I have tried calling and can get no one on the line with the email sent to me. The company realize my phone number is no listed as do not call. So they are blowing my complaint off. I want this company held responsible for providing false information or I will seek legal representation to subpoena the phone call during the payment plan agreement. This company also had a collection representative answer a phone call without disclosing were were on a recorded line. Which is a collection violation. This company has exhibited unethical behavior over and over and fail to rectify the situation. I guess this company will not understand until legal action is involved. So to avoid this, I asked this company update their reporting with the credit bureaus and remove the 60 day lates. Everything mentioned in this complaint can be found on the company 's phone logs.

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 2017-08-31
Company: Navient Solutions, LLC.
State: MD
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:
Navient took advantage of me from the years of XXXX - XXXX. I basically struggled to find support from my family, and even worked full time yet I still needed student loans to go to college. I was stupid, and did not realize the consequences of my actions. But they preyed upon me. They knew my debt situation and that I would be in complete debt when I got out of college, yet they kept giving me loans. My Uncle and Mother co-signed. And it has created a permanent rift in my family. I have a family, and struggle to pay my student loans. I have placed them I in forbearance without being told there was a limit. My family will starve as the student loans continue to grow. They worked out a semi payment plan with me. Even though they were still going to charge me interest. It still XXXX me over. My payments are over {$600.00} a month. Navient does not care about my life or yours. They care about getting as much money as possible. They give me strong and severe anxiety to point I contimplate how I am going to be able to provide eggs and bread for my family. 
It is not fair. They condemned me to a life of XXXX and harass me well knowing I do not have the money. I do n't know what else to do. I hope you are proud of yourselves for preying on the innocent future of this world. You have destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: HYUNDAI CAPITAL AMERICA
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 traded my lease to purchase a new car back in 2017,,, before anything could happen i had dealership pay off my lease,,, so i called hyundai capitol of america who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my experian credit report is showing i paid this lease 8 months late, so i disputed this with experian saying i never paid 8 months and sent a copy of check dealership sent hyundai... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx

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 2022-03-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called about an unauthorized charge. I was told that they had to cancel my card which I was not happy about and did not want to happen. Ive been called back to acquire my new card information because they told me they would provide me that over the phone but I was with a patient had to get off the phone and called them back. When I called them back Ive identified myself by jumping through their mini hoops they provided me my card number and my expiration date and then hung up on me. I called back because they had hung up on me and had not provided me with a three digit security code and I was then told I would not be getting it and I would need to wait 10 days for my car to arrive because I was being either forced to set up a digital wallet. That is not my financial choice, I do not want to digital wallet they need to provide me my data. I essentially was told that I can only have my financial information if I set up a digital valet which is extortion. It is extortion to see you can have your card information issue set up an account with this or that service. This is a conflict of interest and none of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. Experian failed to correct these lates numerous times & delete this account off my credit report.

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 2022-08-16
Company: AMERICAN HONDA FINANCE CORP
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: Their investigation did not fix an error on your report

Complaint:
American Honda Finance Account # XXXX was NEVER late. Account # XXXX is reporting numerous late when it was NEVER late. XXXX failed to correct these lates numerous times & delete this account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, XXXX sent me a letter re : its obligation to send me a refund check totaling {$94.00}. This refund was owed me since I was a customer enrolled in the XXXX XXXX program offered by Citi between XX/XX/XXXX and XX/XX/XXXX. 
When I called at least two of the telephone numbers given to me by XXXX, after I never received this refund, I got a complete runaround for weeks. This refund is owed to me as a result of an agreement between Citibank N.A. and " certain of its subsidiaries, '' and the Consumer Financial Protection Bureau. 

XXXX staff by telephone have acknowledged several times by telephone : XX/XX/XXXX by XXXX, in Citi call center in FL. that she sees the account was closed ( by me ). 
She acknowledged that of course, a check with the refund of {$94.00} was owed to me, according to the agreement with the CFPB. She said to call XXXX to request that a check for the {$94.00} refund be cut and mailed to my home address on file. 

When I called, XXXX XXXX XXXX. XXXX XXXX, at XXXX 's HQ in XXXX XXXX, requested that I fax this letter to her, with XXXX ID # XXXX. XXXX XXXX and others at XXXX HQ are refusing to send check. Please press mailing of check per CFPB 's agreement with Citi, and Citi 's acknowledgement that this check should come to me asap. 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 explanation
Consumer complaint received 2017-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
back in the RE-MODIFICATION days, i think  XXXX  or  XXXX  i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of  XXXX  by the time i received  my Re Mod the increa sed my principal by  XXXX  k to  XXXX  eventhough i was never paying principal and i have been pay extra interest these la st ten years  on that  XXXX   XXXX  my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at  XXXX . any advise would be greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

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 2020-02-14
Company: Experian Information Solutions Inc.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2017-08-31
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Sunwest Mortgage Company deducts taxes and insurance payments every month. As we kept calling to advise them of the insurance notifications, every representative stated the payment would be made on time, which was by XXXX XXXX 2017. I just received notice today that my homeowners insurance lapsed, during hurricane season! And for failure to pay insurance premiums, which Sunwest Mortgage deducts a year in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: Receivable Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail on XX/XX/2019 from Receivable Solutions , Inc. stating that I owe an amount of {$3100.00}. In that letter it stated that the debt is assumed valid by the collector unless I dispute it within 30 days of receiving the letter. On XX/XX/2019, I wrote and sent a validation of debt letter to them. In that letter I asked them provide me with competent evidence that I have any legal obligation to pay them and to provide me with the following : 1. An explanation of what the amount owed is for and how it was incurred.

2. An explanation of how this amount was calculated.

3. Copies of any documents that show I agreed to pay this amount.

4. A verification or copy of any judgment if applicable.

5. An identification of the original creditor.

6. Proof that the Statute of Limitations has not expired on the account.

7. Proof that you are licensed to collect in my state.

8. Provide me your license numbers and Registered Agent documentation. 

I also stated in the letter if their offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I sent the certified letter so I saw when they received it and I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to a direct mail invite code in XX/XX/2018 inviting me to open an account with Wells Fargo. If I were to perform 10 transactions per month of {$1.00} or more for 3 consecutive months. On XX/XX/2018 I received an email entitled " Update to your recent personal checking requirements '' which revised this offer, stating : " You will now be required to make 30 total debit card purchases/payments of at least {$1.00} each, posted within 120 days of account opening, no longer requiring 10 transactions of at least {$1.00} each month for 3 consecutive months ; we have extended the time period for you to make the 30 transactions. '' I'm including a screenprint of this email as an attachment. I complied to these new terms and conditions and performed over 30 transactions over {$1.00} within the first 90 days of account opening. I followed up via Wells Fargo 's secure email service to ensure everything was completed successfully and was told I was not eligible for the bonus because I did not complete 10 transactions per month for 3 consecutive months ( per the original terms, not the updated terms ). Email and Phone support personnel were not able to find record of this update to the terms of the offer, and did not have a means for me to forward this email. I did copy/paste the contents into their secure email service, but I was told I was still not eligible for the same reasons. Further, I was told that I can not have received such a bonus in the last 12 calendar months as an additional reason that I was not eligible. While I have received a similar bonus from Wells Fargo in the past, this occurred more than 12 months ago. My deposit accounts were closed more than 12 months ago as well. Further, the original materials sent to me did not contain a reference to this 12 month requirement, it was communicated after the fact via email, which is deceptive. I let it go at the time because I was aware that my last occurrence was more than 12 months prior. After over a month of following up by email and phone and being told ( incorrectly ) that I was not eligible for varying mixes of these reasons, it became clear to me that Wells Fargo did not intend to make good on their offer. I closed the account out. I'm disappointed by this behaviour.

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 2022-08-16
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was not authorized JPMCB CARD Date of inquiry : XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The credit bureaus are reporting two credit cards on my account. I did not give these companies my social security number or permission to use and share my information. They have violated my rights under XXXX5 Y.S. code 1681 ( A ) PLEASE NOTE THAT THE COMPLAINTS NUMBERS : XXXX, XXXX, XXXX, BELONG TO ME. THE SYSTEM BOUNCED MY NAME TO XXXX XXXX BUT WITH ALL MY OTHER INFORMATION.

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 2017-04-18
Company: Convergent Resources, Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In  XXXX   XXXX  filed a collection on my Credit Report stating that I owed them with for an unpaid cell phone account. I did not open an account with  XXXX  in  XXXX . Subsequently, I filed a Dispute with the Credit Reporting Agencies which resulted in the Bureaus removing the Collection from my credit report. In  XXXX , a  XXXX   XXXX   XXXX   XXXX  filed another Collection to the Credit Reporting Bureaus under the Name of a different  XXXX   XXXX   XXXX  again stating that, I owe an unpaid .Cell Phone Account. Again, I filed a Dispute and the Debt was again removed. Since that time, e very 3-6 m onths or, so a  New   XXXX   XXXX   XXXX   XXXX  files a Collection against my Credit after it has been removed which is Harassment. I have repeatedly informed th e Bureaus that, the  Collections are false and, not to allow  XXXX  or any of it 's m any Collection agencies  to continue to place erroneous debt collections on my report as they .have been added and removed no less t han seven time s previously. I would ask  XXXX  to cease and desist in their Harassment of me by continually making erroneous fraudulent collection claims.

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 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I called multiple times, followed instructions giving by rep & online.

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 2022-03-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation