BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After opening a saving account, I learned from reviews online that bank if a fraud. It does not answer requests accurately ; invent obstacles and causes delays in answering the phones. And even when they answer the phone, they never address the problem. 

They put restrictions on my account, and I could not withdraw my fund and close the account. They kept saying they'll send a link and request a code, but nothing is what they say. They are blocking me from using my account since XX/XX/2022. 

They keep the person waiting over the phone, until he gives-up and hang-up. A very insolvent bank. Most reviewers for the bank rate them at XXXX and warn users not to use the bank. I believe the business should be closed and prevented from scamming people of their money.

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 2016-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have applied for a credit card three times in the past nine months. After the first application I discovered inaccurate information reported by XXXX. 
The 2nd application resulted in inaccurate information reported by Experian. 
I requested a copy of my credit report from Experian and was informed that there was insufficient credit history to provide a report. 
But when I applied a third time I was then again denied because of " outstanding debts, '' The lending institution, XXXX XXXX XXXX provided XXXX account numbers associated with its report alleging bad credit. 
Both of these accounts are with XXXX XXXX Bank with which I have NO association. 
However, XXXX XXXX is listed as an authorized user. I have never applied for, nor received ANY credit from XXXX XXXX Bank AND as a matter of fact have been denied a credit card three times now. 
I have submitted fraud alerts with both XXXX and Experian. For some reason the online system with all XXXX agencies would not allow me to proceed. I also too have submitted a request to XXXX. 
With each correspondence with any and or all of these agencies I have submitted copies to the CFPB. 
I would appreciate any assistance that can be provided in clearing my good name and credit status.I strongly suspect that I have become a victim of identity theft and am working closely with all credit reporting agencies, the Consumer Financial Protection Bureau, XXXX XXXX, and the Social Security Administration to clear my good name and 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 2017-05-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE  : Convergent Outsourcing /   XXXX  Sin ce 2012, I ha ve had a number of different debt collectors contact me regarding a bill to  XXXX . The amount claimed owed is {$1100.00}. I have explained to eac h one of them  that the debt is inaccurate and disputed for multiple reasons, primarily because I had called  XXXX  personally back in  XXXX   2012 and e xplained the problems I has having with their service. The CSR I spoke with said  XXXX  would waive the {$300.00} per line EFT ( early termination fee ) ; yet, for whatever reason,  XXXX  apparently charged the debt off as bad debt and sent it across the country to a  XXXX  different debt collectors, some of whom briefly reported it to my credit history.     I have received no written notice from Convergent Outsourcing it is  the ( latest )  agency trying to collect this disputed debt. The first I heard of it was when alerted by my credit-monitoring program that a new collection was reported by Convergent.   Worse, I do not see them so much as reporting it disputed, despite the fact the debt was been disputed at least a half-dozen times over the last 5 years. I am aware that various state and federal consumer-protection statutes, such as the Fair Debt Collection  Practice Act, requir e the disclosure of dispute whenever communicating about a disputed debt. I dont apparently even get that courtesy here.   I realize that Convergent is in the business of collecting debt, and is simply following through on its clients wishes, but it nonetheless has an obligation to do so correctly. I would ask that Convergent request whatever tradelin e ( s ) it r eported to be deleted, and for it to return the account to  XXXX  and properly inform them of the problems outlined here, so t hat God willing  and the creek dont rise this is the end of this saga. 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 2020-03-17
Company: Experian Information Solutions Inc.
State: GA
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:
In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.

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: EQUIFAX, INC.
State: VA
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 am a natural person, I am Living Human Being.I have Rights under 15 USC 1681 Equifax is govern By 15 USC 1681. And they violated my rights numerous of times I demand the account below listed to be removed because. 

According to 15 USC 1681 : I have the right to privacy and I did not Give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX IF XXXX An also the list of unauthorized inquires that also are reflecting on Equifax that are going against my consumer rights as a living person. 

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 response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX. 
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove. 

For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at 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 2016-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : 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 explanation
Consumer complaint received 2022-08-16
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The dispute is with Chase. It is involving an interest charge that I do not think is fair. I carried a balance for a couple months and then paid the full balance. They charged me interest after I had a XXXX balance and claim it is due to the previous balance. I have had similar situations in the past and was never billed this way. I called and spoke with three people so far including a supervisor and I have been told they can not credit the account for this fee. The amount is not much which is why I do not understand why they cant credit this since I believe it was in error. The amount is {$28.00} which would be due by XX/XX/XXXX likely with more interest still on what should be a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: CCS Financial Services, Inc.
State: CA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took a loan out for XXXX in 2010. My loan has more then doubled in 10 years. It has been hard for me to make payments when every month it keeps going up higher. I feel like I ha e been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America began withholding funds from banking deposits for over a week and not make the funds available. This is a shameful practice during this time of difficulty. And I have my account with them for over 2 decades. And the check is issued by XXXX too - from an institutional account.

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 2020-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Last year on XXXX XXXX weekend a car rental agency did not credit my security deposit back. They had 2-5 days to put the funds back on my card. Therefore, I contacted the car rental agency who did not resolve my issue. Upon providing proof to the Bank of America credit card and many phone calls to your complaint dept. I was granted a credit and it was deemed that the car rental agency committed fraud. Almost a year later I am being billed the same amount. I feel that Bank of America is acting in a deceitful manner and after a resolution is made I will be looking to terminate my relationship with the bank.

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 2015-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
While looking into applying for a mortgage, I found I have a default civil judgement listed on my Experian credit report. The judgement was obtained fraudulently as I was never served and never had a chance to defend myself in court.Initially I disputed the record as fraudulent, but experian only confirmed the records existence. I then hired a law firm, XXXX XXXX XXXX, to fight this and they set up a settlement with the firm that sued me, XXXX ( NYS index # XXXX ). The settlement agreement stipulated the judgement being vacated with my agreement to pay a {$1300.00} settlement, in monthly {$100.00} payments until paid in full. The case is now closed, the judgement has been vacated for over one month, possibly two months, yet my latest Experian dispute over the matter did not remove the record from my report. Upon receipt of the dispute results yesterday, ( filed XXXX XXXX, 2015 ), I attempted to dispute again online with Experian and was told that I would have to mail my supporting documents when i tried to upload them electronically. Experian has failed to properly investigate my case and is keeping information on my credit report that will continue to prevent my from buying a house for my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX as Dovenmuehle transferred our mortgage to a new servicer while we were in a XXXX forbearance plan and failed to provide accurate data to the new servicer ( XXXX XXXX ). 

Now we are being threatened with foreclosure even though we had already started making payments to XXXXDovenmuehle XXXX 

The new mortgage servicer -XXXX  XXXX has stated that they have NOT received the complete and accurate data on our mortgage account which is causing serious financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called the company and informed them of a cease and desist and they proceeded to remove fund from my account without my permission or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Not my items reporting

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 2020-03-17
Company: SLM CORPORATION
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had issues with Sallie Mae since I was in school. Disbursements wouldnt come out in time etc. Since graduating, I now owe more than what I originally signed up for. Sallie Mae does not disclose certain stipulations with their payment arrangements and it is negatively affecting my credit. Most recently, I noticed a payment of {$480.00} did not come out of my bank. I DID have the funds available in my bank. So I gave it a couple business days and I called XX/XX/2020 to arrange my payment. The representative said the issue was that there was no payment information online. But I told the representative that the last person I spoke with already gathered that information. She told me that was not true. So she took my payment with my bank card and asked me for my checking and routing number for future payments. The money is taken from my account, but to my surprise, I am getting spam calls and emails saying I am delinquent for {$1800.00}. I tried to speak with ANOTHER representative again to be basically called a liar. He also blamed me for this happening due to the fact that the {$480.00} was not taken out. The payment wouldve been successful if Sallie Maes representatives were truthful. He would not stop speaking over me and eventually he ended the call. This is not right. Sallie Mae is scamming me and it keeps on happening. I dont know what to do and I am seeking out a lawyer now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed a balance with XXXX XXXX XXXX XXXX for a auto loan in the amt of {$27000.00} thats being reported on my credit report. i received a notification that the dispute was completed. after reviewing the results and viewing nothing had changed i contacted transunion and spoke to XXXX i explained to her the information was being reported incorrectly and i wanted it corrected, she informed me that a credit report was being mailed out. i explained the information i received had today 's date but still was incorrect. she hung up on me and i think that is RUDE!!!! i called back to speak to a supervisor i got her on the phone she claimed she was a supervisor i asked her for her last name she stated it is Page. I do n't believe her but some research needs to take place this is totally unacceptable she need to be reprimanded. i want this issue resolved ... my file number is XXXX please expedite this matter as quickly as possible. thanks

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 2020-03-18
Company: U.S. BANCORP
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:
My name is XXXX XXXX XXXX us bank and My Credit Card account number is XXXX XXXX XXXX XXXX I had stolen my card and someone had swiped my card fraudulenly on XX/XX/2019{$8.00} and {$12000.00} from XXXX XXXX  which I had never authorized 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 non-monetary relief
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been dealing with this issue for far too long. I have a rent debt that is still being reported on my Experian Rentbureau report that should not be there. I have already taken the steps to have this removed. I even contacted Experian rentbureau and they claimed that it would be removed. This rent debt does not belong to me and i have already proved it that I was a victim of identity theft. The debt collector has agreed to remove it from my credit reports. Experian is still reporting it. I want it removed ASAP.

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 2019-11-26
Company: EQUIFAX, INC.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today, on XXXX XXXX, XXXX I noticed a couple of additional examples of fraudulent activity on my credit report. Usually I am able to see my credit report at anytime via Experian 's credit monitoring, but over the past few weeks for whatever reason they are having problems being able to access my credit file. 

My concerns are that I have ( XXXX ) additional inquiries from the same third party company requesting my credit file information. 

XXXX, CA XXXX ( XXXX ) XXXX INQUIRIES PULLED ; XXXX XXXX, XXXX XXXX XXXX, XXXX This is the same company that had pulled my credit this past XX/XX/XXXX when I was in corporate housing with my company. I am disputing this as fraudulent inquiries and challenge them or whomever they may represent to prove otherwise. I do know that obviously on both of these occasions my credit file was temporarily opened, but this was because for whatever reason Experian 's credit monitoring service asked me to temporarily lift so that a XXXX credit report could be pulled. While I certainly know that this should never be a problem, I do know that once I did this I was able to receive the ( XXXX ) credit reports from Experian, XXXX and XXXX. This is an entirely separate issue that I will have to come back to address at a later time. 

Please dispute these XXXX inquiries as fraudulent as these are both not authorized. I have already disputed ( XXXX ) inquiries against them in the past ( XXXX & XXXX of XXXX ) and both were successfully removed accordingly. Please remove these. I can be reached anytime at XXXX. 

Regards, 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