BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 

|*** See attached documents XXXX XXXX XXXXXXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXXXXXX XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

|*** See attached documents XXXX XXXX with account number XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 


| *** *** see attached documents

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 2017-08-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX I got a credit card and making my monthly payments on time, but in XX/XX/XXXX, because of the COVID-19 pandemic, I lost my job. I was XXXX XXXX XXXX XXXX XXXX prior to the pandemic but I couldn't go to work because my clients were old and were scared to catch this new disease. I contacted the bank to arrange the payments, but they did not agree to help me. 7 months ago, my husband was diagnosed with XXXX, and he has not been working since then. The bank sold my debt to a law firm and they want to send me to court in XX/XX/XXXX. I want to pay my debt, but I only can make little payments because my financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, 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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX, CA XXXX FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8500.00} Status Account charged off XXXX {$8500.00} written off. {$4500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5000.00} Status Account charged off. {$5000.00} written off. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$10000.00} Status Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$5800.00} Status Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I received my first notice from XXXX XXXX XXXX to recertify my income for an IBR payment, and it stated that I had until XX/XX/XXXX to recertify or my payment would change to a Standard payment amount of {$2000.00} on XX/XX/XXXX. I recertified on XX/XX/XXXX, and I was approved on XX/XX/XXXX for a payment amount of {$290.00} monthly to start on XX/XX/XXXX. In the process, my next bill for a payment due on XX/XX/XXXX stated that I owed {$2000.00}, significantly higher than the amount I had been paying. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX, and after explaining the situation to an agent, I was advised that they did see the error and would correct it within three days so I could make my XXXX payment and still be eligible for PSLF with that payment as it should not have gone up. By XX/XX/XXXX, it still had not changed, so I called again, and I was informed that it could take 7-10 days, however it should be fixed by XX/XX/XXXX as that would be when I needed to make my payment. On XX/XX/XXXX, it still had not changed, and I called back. I was initially advised that I submitted my recertification late, thus the reason for the change, however I referred the agent to the letter sent on XX/XX/XXXX, and she advised me that I could not make my XXXX payment at this time as she was putting an Administrative Override on that payment since the amount was incorrect in the system. She advised me, however, that it would show up as past due for 30 to 60 days as it would take that long to fix. I am very concerned about this as this may then impact my credit report and show that I am not paying my lender on time given the long time it takes to process, especially when this error was not my fault. I have always recertified on time and made payments on time, so this is very troubling. I am also concerned that I continue to receive different information, and I no longer trust that this may be handled properly. 

Also, for reference, I was with XXXX up until XX/XX/XXXX, and they originally approved a 12 month IBR for XX/XX/XXXX to XX/XX/XXXX. When I recertified with XXXX XXXX XXXX in XX/XX/XXXX, they started my new payment amount immediately ( as of XX/XX/XXXX ), though it should have started on XX/XX/XXXX. It appears that the error started there, and as such, I am now being penalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea who either one of the agencies are that I supposedly have this debt with. I dont not ever recall being at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: VA
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:
The credit reporting agencies, Equifax and XXXX violated FCRA 611 ( 15 U.S.C. 1681I ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 

Equifax, XXXX, and XXXX violated FCRA 611 and 623 in investigating disputes on my credit report, XXXX and XXXX XXXX  These companies violated the Fair Debt collection Practices Act ( FDCPA ) XXXX15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: NV
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 XXXXXXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had a PayPal Credit account financed by Synchrony Bank closed abruptly and without warning. This account was opened in XXXX with a limit of {$1200.00}. This account had a very low balance ( ~ {$100.00} being utilized ) at the time of closure. In XX/XX/XXXX the account was closed by Synchrony Bank ( creditor ) according to a phone call placed to XXXX on XX/XX/XXXX. Originally called PayPal Credit who said a letter should be mailed out and to contact XXXX. Called XXXX  and was told to contact the creditor for additional information. Tried multiple times but is impossible to contact a service representative for information. This sudden closure damaged by credit score and erased years of positive progress.

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 2017-08-13
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
In accordance to the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy under 15 U.S.C 1681. 

XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was selling something on XXXX XXXX and they messaged me wanting to buy it. Once they confirmed they wanted it they said they would use XXXX. They said to check my email for the payment and once I checked it I received an email that stated they needed to send an additional {$300.00} to upgrade my account to a business account in order for the {$80.00} to be released to me. I then spoke with them and they said they received the same email and would send the {$300.00}. I got another email confirming they sent the {$300.00} but in order for me to receive the money they needed me to send the {$300.00} FIRST and send a screenshot of proof then they would release the full {$380.00}. I sent the {$300.00} and the proof and then realized that I got scammed. The person removed themselves from the conversation once I called them out for scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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 accounts XXXX XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: EQUIFAX, 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:
*****EQUIFAX HAS " NOT BEEN ABLE TO PULL MY REPORT FOR DETAILS DUE TO NO REPORT BEING FOUND '' for a year now!! Before you deny/close out the claim due to YOUR error with recieveing my none frozen or restricted account be sure it is in the USA and my name and other info IS CORRECT*****I have spoken to a lawyer and the next violation or careless error on your end or the CFPBs will be cause for MOTION TO FILE SUIT!!!

This company has taken more than 60 days to mail me my proof of signature and agreement between me and the listed companies which is clearly against the law. Most of the Inquiries are within 1 day of eachother and or I have no knowledge of a HARD pull as stated In my initial dispute. PLUS I'm entitled to the methods used to speak with the company to validate the info by you..ie name of person spoken with # /department time etc. 
REGULATIONS/LAWS BROKEN : 15 U.S.C. 1681n ( a ) Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] obtaining my CREDIT BUREAU consumer report without my permission : Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting At XXXX Account # XXXX as 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 2018-11-30
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this letter is to come to a resolution regarding account number -- -- -- --. Since the beginning of XX/XX/XXXX, we have been making regular payments to either Greentree or Ditech. Throughout this time up until Ditech stopped taking our payments in XXXX of this year our payments were on average two weeks early. We never missed a mortgage payment. In that time, we have had multiple mortgage modification changes, 41 phone calls ( between XX/XX/XXXX and XX/XX/XXXX ). Each phone call included my attorney on the phone call which was necessary to navigate the muddy waters of customer service, accountability problems and as legal counsel. This was expensive in and of itself but my time away from work was even more costly. During the YEARS we struggled to correct Ditechs mistakes, our lives were disrupted and our time and money squandered. We were embarrassed by multiple foreclosure notices including a sheriffs foreclosure notice delivery at my place of business ( in front of my patients and employees ). We also are the victims of incorrect credit reporting, and burdensome attorneys fees. In the end everything turned out to be Ditechs clerical mistakes and GROSS accountability problems. Ditech utilized entry level employees with no responsibility, accountability or authority. I was unable to contact or speak with the decision makers whose names were blatantly missing on all documents issued by Ditech. In all our phone calls we never spoke with an accountable person able to correct mistakes or clearly and confidently explain matters. This struggle lagged on and on. It is our opinion and position that mistakes need corrected. Our demand is simple. We are demanding that all late fees be removed, our personal credit amended, our attorney fees are paid, our account is credited the {$4000.00} minimum that your company owes from escrow surplus, a return of unapplied funds, and a solid commitment letter stating that we will never be the victims of exceedingly high and unfounded escrow fees again. I have calculated my time on said phone calls and I believe I am due reimbursement for my time out of the office. As I am a XXXX  my hourly fee is {$350.00} per hour and I easily was on the phone for 40+ hours ( not including emails, documents etc. ). If our demands are met, we are more than willing to pay the arrears and continue paying our current monthly calculated payment which should be {$2100.00} See Exhibit 13

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation