BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a delinquency on my report which is not mine and this needs to be corrected by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Wells Fargo closed my XXXX credit card account ending in XXXX on XXXX/XXXX/XXXX without providing me any advance notice. The problem with this is that I had earned XXXX points from purchases made with this card that were frozen that day and subsequently removed from my rewards account. These points had a cash value of {$430.00} ( XXXX cent per point ). I had no advance notice allowing me to use these points before they were revoked. In fact, I found out about my account closure by logging into the wellsfargo.com banking system and discovering it myself. A letter dated XXXX/XXXX/XXXX was mailed to me AFTER the account had been closed with the reasons cited as : Over Six Months Account Inactivity XXXX or more credit inquiries in the last 2 years on credit report Insufficient length of time accounts ( s ) on credit report has been established This card was opened on XXXX/XXXX/XXXX and had been used as recently as XX/XX/XXXX, which was just over 6 months prior to the date they decided to unilaterally closed my account without advance notice. The other reasons cited for the closure are far from anything unusual and should not have resulted in any adverse action by the bank. I was also planning on using this card for upcoming travel, where I would be able to take advantage of an annual {$100.00} airline fee reimbursement credit included with this XXXX card 's benefits. 

When I contacted Wells Fargo, they said that they would not reinstate my rewards points nor would they re-open the card without me applying as if I was opening a new card ( recquiring a credit inquiry ), but I pointed out since they just closed my account due to vague credit activity, it was unlikely they would approve me for a new account. 

I believe that the state of California prevents a bank from closing a credit card that results in the loss of rewards earned without providing advance notice to allow the account holder to use those rewards. Please at least help me get my XXXX rewards points or a check for {$430.00} from Well Fargo. I would also prefer to have the account re-opened w/o incurring any credit inquiry activity, as I have also lost the annual {$100.00} airline charge benefit without being able to use it. Failing that, I also want a {$100.00} airline fee reimbursement credit to be provided to me by Wells Fargo. 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 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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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. 

TransUnion Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Names : XXXX XXXX Employers : XXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-05-27
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with fraud alerts or security freezes

Complaint:
Bridgecrest is reporting on my credit report, this account does not belong to me. I have submitted a police report and filed a complaint with the Federal Trade Commission in regards to an identity theft. I am respectfully requesting that this account be deleted from 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 explanation
Consumer complaint received 2016-07-08
Company: Penn Credit Corporation
State: IL
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:
Penn Credit agreed to remove a collection account from my credit report. Penn Credit removed the account from my XXXX XXXX report, but did not remove it from my XXXX report. I have tried to contact Penn Credit multiple times, but have received no communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Capital 1 bank was supposed to send me a check for {$19000.00} capital 1 did not send me the check I heard that the check was cashed and I disputed it they were supposed to send me another check for {$19000.00} they've been closed my account they shut off all my checks so that way might check bounce so now I'm in XXXX XXXX for bouncing checks and this is capital ones ear they lie to me they deceived me they sent back {$1200.00} that was in XXXX account that I did not ask them to send back and they listed it as a withdraw capital 1 is a faulty bank and they have calls me nothing but problems I would like to super damages or I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received several phones call throughout 2015 from Trident Asset Management regarding a XXXX XXXX phone bill in the amount of {$100.00}. I asked for them to send me a statement from XXXX XXXX validating that I owe this debt and they only sent a note on their company letterhead stating that I owe {$100.00}. I found this very odd considering that I still have XXXX XXXX as a carrier for at least 8 years and I 've never had a past due phone bill. And if I did then my phone would not be in service. I explained this to the debt collector in XXXX 2015 and they completely ignored me and kept asking why I would n't pay the amount since it was very small amount. I told the debt collector that unless they are able to send documents showing that I owe this debt, then I refuse to pay. The debt collector raised her voice and I raised my voice right back at her and demanded that she tell me her name. After asking for her name at least five times she finally said it ( to which I ca n't remember it since it happened in 2015 ). I told her that she 's not to contact me via phone and they need to send sufficient documentation of me owing this debt. They never did and in XXXX 2015, this item was placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A bankrupcy is showing on my creidt report when I did not end up going through with a bankrupcy. At the time I couldnt find a job and without income I thought filing bankrupcy was the only option I started it and that same week I found a job that would allow me to pay my creditors back and allow me not to go thru with the bankrupcy so the judge cancelled the bankrupcy out and no action was ever taken. I provided the federal court documents to XXXX they did delete this from my credit file but XXXX wrote me a letter stating they would not remove witch is affecting my credit worthyness when no bankrucy ever occured no debts were charged off or dissmissed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
XXXX ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Transunion 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Transunion provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX 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 2021-05-27
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  is still reporting me a collection account that I have already settled and have proof of a " Deletion Letter '' directly from the collection agency. Please see the attached document as proof. XXXX  is the only bureau that is not doing their due diligence in reporting accurate information. This collection account needs to be deleted asap from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have attempted to access my credit reports twice for the last 10 days. I tried twice today and spoke to Experian Agent XXXX who advised only mail for reports and no access on line which is not fair to me when I have the right to access reports online free for 1 year until 2022 as a consumer. He alleged that there is no glitch from his end and that he could not remove block any block from XXXX XXXX XXXX for experian report . I was able to access all other reports except Experian which I need to access weekly at XXXX XXXX XXXX to ensure no one is accessing my report without my authorization as any other credit reporting agencies is allowing me

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 2017-01-27
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am receiving mail from Bank of America in XXXX XXXX for accounts that I never opened I also received information about unemployment which I never filed for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received a letter in the mail today XXXX XXXX2021. It is from XXXX XXXX XXXX  and Midland Credit Management , Inc., in the amount of {$1000.00}. This was discharged quite a while again in a bankruptcy claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had difficulties in paying our loan to Bank of America. Tried to set up electronic payment through our bank ( not a BOA ) when our loan was bought by BOA and the first month was a nightmare of issues of BOA, so we ended up sending a check but made it so we could track when it was received. Took 3 weeks to show it had processes. We were able to set up electronic payment ( not automatic withdrawal ) the next month. But it takes more than XXXX attempt to electronically pay. XXXX month it took XXXX attempts before it was able to successfully be paid and that was after us calling to complain and after BOA sent us a default notice by certified mail! It had only been 3 weeks and XXXX attempts to pay BOA. And when I called about the default notice, I was told there were no problems with my account. And that BOA sends the notice to all WA residents as information on our rights as WA residents and it was not a notice of default. I have spoken with a representative at WA XXXX XXXX XXXX XXXX and was told that BOA may have sent the notice after our XXXX payment being late ( 3weeks! ) but it was definitely a notice of default not just a informational letter as I was told when I called BOA. BOA has been extremely frustrating to work with since our loan was purchased by them 5 months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have not received billing statements via mail nor by email for several years. Yet PayPal Credit c/o Synchrony Bank has made withdrawals from my checking account and have let interest accrue during the same time period. After attempting contact Synchrony Bank I received the first mail correspondence in years.

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 2017-02-22
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: MO
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:
I just notice that I have not received a response from XXXX, XXXX or Equifax for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Associated Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me all the time, leave voicemails, but today in particular, they called me twice within 25 minutes while I am at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen failed to provide my XXXX for XX/XX/XXXX and XX/XX/XXXX on www.Ocwencustomers.com. The page that should house the documents is blank.

Company response to consumer: Closed with explanation