BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Genesis credit management is reporting that I owe XXXX $ which is incorrect I have requested XXXX verify this correct and remove it if it cant be verified please this is the fcra. Thanks in advance I also turned in a ftc report for the inquiries in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Over the last week and a half, I have called and spoke with Fifth Third Mortgage 3 times. Most recently I had a conversation around XXXXXXXX XXXX EST. 

I informed them that I was aware that XXXX XXXX ( who my loan is associated with ) was urging service providers ( in my case Fifth Third ) to defer payments up to 12 months. 

My husband and I are XXXX XXXX people in the XXXX industry and not only has our cash flow immediately halted, but we are hemorrhaging money with refunds due to cancellation relating to COVID-19 and travel restrictions. 

Although we were being proactive anticipating this hardship I was informed by Fifth Third that I only had one option : To defer my payments for 3 months at which time they will ask me to pay the 3 months back in a lump sum ( {$4200.00} in my case ), and if unable they will address it or modify my loan. I can state with certainty that even if my businesses bounces back and we can operate within 3 months that we will not be in a position to pay {$4200.00} nor is modifying my loan an option. 
I'd like to know why Fifth Third is not following the instructions from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: KY
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:
Experian never investigated my dispute against XXXX XXXX XXXX. My complaint is that the collection amount reported to them is not mine, because it isnt. Experian never investigated as XXXX is unable to confirm anyone from Experian ever reached out for any confirmation or investigation whatsoever. What I did experience throughout the process was a constant bombardment of credit offers and sales promotions. Experian advertised a service they didnt attempt to provide.

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 2023-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am currently on XXXX XXXX XXXX ( XXXX ) and requested through XXXX a Bank of America debit card for faster payment. On the XXXX state website it states you can request an emergency wire transfer if you are waiting to receive your card and already got payment by contacting customer service. I called XX/XX/XXXX and requested a wire transfer since I have not received the card. The customer service representative said she could not do that because I have to receive the card first, activate it, then I can receive my money. I asked her if she can provide that policy because that is not what it says on the state website. I called again on XX/XX/XXXX and was told the same thing. I asked for a supervisor this time and asked them to provide a copy of that policy. I asked him to view the XXXX XXXX website because that is not what it says. He then said he will do it. He asked what ID I was going to use at XXXX XXXX to pick up the cash. I told him military ID. He then asked for the ID number and I asked him if he needed the XXXX number on the card or the health benefits number. He then questioned if it was a VA health card and I told him no. I informed him I was a 100 % XXXX veteran and was issued a XXXX military ID card. He then stated it was not an acceptable government ID and the only acceptable military ID they can take is XXXX XXXX. I asked him where it says that on the XXXX XXXX website, Bank of America website, and XXXX XXXX website and he could not find it stating that. I asked for their policy on government military ID card and he could not provide it as well. I told him I would waive all rights and liability if XXXX XXXX does not accept my ID because he stated it would take 30-45 days to receive money if XXXX XXXX does not accept my ID and holds the funds. He said he can only release {$300.00} out of {$1900.00}. I was on the phone with him for an hour and he said that is the best I can do. I explained to him I was on a military base earlier in the day and my XXXX issued ID card was accepted at which point he insisted that I have to be XXXX XXXX. He then said the {$300.00} is all I can receive to take or wait for my debit card in the mail. That payment he would not release caused hardship and emotional distress. I felt discriminated based on the fact I told him I was a XXXX veteran.

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 2023-02-28
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card bill from Indigo by mail at home It was addressed to my correct name at my correct home address. 
I never applied for the card. 
It showed a fee due ( {$76.00} ) but no purchases. 
I called the number on the invoice and was transferred to their fraud prevention department. 
They said they would freeze the account, drop the charge, and they asked me to file a complaint at www.identitytheft.gov, then send them the affidavit I would get as part of the process, at which time they would close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report 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 explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
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:
Hello, I am an XXXX XXXX military member who currently serve XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was sued by Portfolio Recovery Associates. They submitted a robosigned affidavit. The same affidavit that you took action against in case File No. XXXX. The affidavit they sent to the courts is verbatim of the affidavits listed in the above case File of 2015 on page 13 paragraph b. and 14 paragraph c. They have spurned your discipline and are continuing in using these affidavits. I will be glad to send to you what they filed. The judge ruled against me based on thus affidavit alone! This is misleading and deceptive. 

Also I tried entering the last four of my SSN, but couldn't so here it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: GLOBAL PAYMENTS DIRECT INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I entered my bank account information at XXXX  and was approved for funds that were deposited into my Michigan lottery account to play with. 2 months later I am getting harassed by Global Payment Check Services for {$120.00} stating that it did not go through and I " was given the funds in advance and I still owe this ''. I told them they should not have approved this transaction if they didn't have the funds! I don't feel this is my fault and I was willing to work with them and pay half but they stated they could " do 70 % off but that's it '' ( making the total around {$85.00} ) I agreed to this and was transferred to a supervisor to complete the transaction. When I spoke with a supervisor he stated " no they will not do anything off or work with me and they do not want half they want {$120.00} or nothing ''. So instead of working with me and taking my money ( {$85.00} ), agreeing to take half and write the rest off due to their mistake, they refused my money and said all or nothing.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX, I received a {$25.00} " Birthday Reward '' voucher from Capital One/ XXXX XXXX, good for {$25.00} off purchases made by XXXX XXXX, XXXX. 

I made two purchases totaling {$37.00} by XXXX XXXX, XXXX. 

I called Capital One for an hour in XX/XX/XXXX and was handed from one department to another, finally winding up in XXXX, XXXX. No resolution. I closed my account that day, effective immediately. 

On XXXX XXXX, XXXX, I wrote a dispute letter to Capital One ( a post office box in XXXX XXXX XXXX ). Through XX/XX/XXXX, I've received no response. 

On XXXX XXXX, XXXX, I scheduled a {$12.00} payment to Capital One for a XXXX XXXX, XXXX due date, representing {$37.00} minus the {$25.00} offer the two parties failed to honor. 

On XXXX XXXX, XXXX, Capital One charged me a {$29.00} " past due fee '' ( the {$12.00} payment on XXXX XXXX, XXXX did not meet Capital One 's minimum ) plus {$0.00} in interest. 

XXXX  ( XX/XX/XXXX ) I spent more than XXXX minutes being bounced from the XXXX to the XXXX by Capital One, before finally being sent to a XXXX help line, which wasn't helpful. It was apparent, the customer service representative just wanted to bounce me to another desk, not resolve the dispute. 

Not would anyone today even acknowledge receipt of my XXXX XXXX, XXXX letter of dispute. 

This was consumer misrepresentation. Capital One/XXXX XXXX sent an offer that they failed to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: OneMain Finance Corporation
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 contacted company about the false reporting and was told it would be handled but remains in my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, INC.
State: NJ
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 Account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
Credit was ran without permission for a hard hit. XX/XX/2017 2017

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 2022-11-17
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX DEAR EQUIFAX I, XXXX XXXX XXXX XXXX have written this letter to dispute a claim that is falsely listed on my consumer report with your company. the amount ( s ) owed are no longer outstanding for the following item : Party Owed : XXXX XXXX XXXX AMOUNT : {$940.00} ACCT # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF A WRITTEN AGREEMENT BETWEEN MYSELF AND SUNRISE CREDIT SERVICES. SOMEONE USED MY INFORMATION FOR THEIR PERSONAL GAIN. THIS ACCOUNT IS FRAUDULENT AND I AM REQUESTING THIS ACCOUNT BE DELETED FROM MY CREDIT FILE IMMEDIATELY. 
This is my official request to have the aforementioned item to be deleted from my consumer report. Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-10-18
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
My repayment plan was approved, and my first payment is due today, XX/XX/23. When I attempt to add my bank account details to the Aidvantage online system, the system displays an error message stating that previous transactions were returned from this bank account, and it won't allow me to enter my bank account details. However, there have been no previous transactions at all between the loan servicer and my bank, and certainly none that were returned. The loan servicer is new to me, and we have no history at all. 
The error message prompts me to request that my bank send a letter to the Aidvantage fraud department to resolve the issue. This bank account is my only account and the only way I can make payments. The loan servicer will not allow me to enter my partner 's bank details, nor pay with another card. Therefore, interest is accruing, the payment is now late, and I have no recourse. I have contacted the loan service twice without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/

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 2023-11-29
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My ex girl friend used XXXX to send money to my XXXX account and than to her XXXX XXXX account - its a clear money trail but XXXX refuses to assist properly and told me to contact Zelle - I contact Zelle and they tell me to contact my bank. 

And now shes using my account to pay her rent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late dates which are actually submitted on my credit report sound very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
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:
Hello My loans were transferred from Great Lakes to Nelnet. I made an attempt to pay off my loans in full on XXXX XXXX XXXX. The Nelnet website says it was processed and the debt was paid in full. 4 days later, the debt amount ( including interest ) appeared again. I received a notification from the Nelnet website stating the money was rejected by my financial institution. 

I again made another attempt to pay off the loan on XXXXXXXX XXXX XXXX, Nelnet says processed, and then paid in full, and today ( XX/XX/XXXXXXXX  ), the original debt amount and interest are back on my account. 

I contacted my bank on XXXX XXXX, XXXX about this issue, and the representative I spoke with stated they did not receive any charge from Nelnet and are unsure why the money was not taken from them. 

I contacted Nelnet about the inconsistency and to get more details about why both payments were not accepted, and the wait time was over 94 minutes. 

I kept records of both confirmation from Nelnet saying my debt was paid in full and the record from my bank stating Nelnet did not make a charge. 

The interest on my student loans keeps increasing daily and I am actively prevented from paying off my debts. This negatively impacts people 's finances. 

How is this okay? How can this be acceptable? I never had issues like this with Great Lakes.

Company response to consumer: Closed with explanation