BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/2018, I submitted an application for income-driven repayment. I received a reply that this would be placed on hold until closer to the end date of my grace period on XX/XX/2018. My loans were placed on a temporary reduced payment forbearance. It was unclear to me that I first had to pay this amount before the application was processed, but clarified on initial contact to XXXX during a phone call on XX/XX/2018. I paid {$250.00} on XX/XX/2018 per a letter sent to my online account on XX/XX/2018. The account, however, remained with another {$2600.00} owed for that billing cycle in spite of what was written in the letter received XX/XX/2018. I paid this amount to avoid my account going into delinquency on XX/XX/2018. In a subsequent contact by email to XXXX on XX/XX/2018 I raised my concern that my application had not been processed after the initial forbearance payment of {$250.00}, and received a reply that this would only be processed after XX/XX/2018. During this current billing cycle, I now have a bill for {$3100.00}. I can not make payments in this amount in perpetuity, and my funds would allow me to make payments in this amount for only another 2-3 billing cycles including the current cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Self Financial Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My personal bank is XXXX XXXX, I have been paying SELF for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when self sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called self and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because self screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in XXXX XXXX XXXX during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Synovus Bank
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Not the first time this occurred and because company is not taking accountability to safeguard consumer and not charge fees/interest on card that was compromised and incurred fraud, i do not want this account, have requested to close more than 3 weeks ago and was incorrectly advised due to fraud per the general customer service rep, my account was closed, I advised the fraud department told me in late XX/XX/2023 to call back in 24 hours to customer service to close my credit card as they can not and they needed to investigate fraudulent charges. I called as advised and was advised above and I would be refunded my security deposit in about {$170.00} of the {$500.00} in several weeks. Well today XX/XX/2023, I called, spoke with fraud rep and was advised my account is showing active and not closed, and they can not do anything. Mind the fact bill is due on the XXXX of every month, i clearly expressed XXXX or so weeks ago to close my account and I was not submitting a payment as monies is due back to me and every time First Progress fails to send me my monies back and close account, charge extra fees and interest without my knowledge and I do not always receive my monthly statements and unable to log into their system. I just paid {$46.00} today to avoid being falsely reported and charged another late fee. This is a scam, I need my security deposit monies refunded in full and this secured card closed as unethical practices, increase APR with no letter to inform consumer and charging unwarranted interest and fees and avoiding refunding me knowing this account has been compromised and i have already requested closure of credit card account and it is not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CL Holdings LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX  was paid as agreed I XXXX XXXX XXXX and missed 3 payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to jefferson collect now XXXX  is on my report while jefferson financial is collecting. I don't belive 2 company 's can collect on the same debit. And I have been paying jefferson collections every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: LendingPoint Holdings LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The accounts I am speaking about today has failed to verify any alleged debt. They also furnished my credit report without my written consent. Pursuant to law 15 USC 1681.

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2023 Bank of America closed my four year old account and did not pay my balance of {$30000.00} you sent them letter they said would answer in 60 days but no reply so for

Company response to consumer: In progress
Consumer complaint received 2023-12-18
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked the debt collection agency for a debt validation letter. A copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, and the date of the last payment and whether the debt is past the statue of limitations. They had called me in the beginning of this year and i asked for that stuff on the phone and I also only told them to contact me through mail and never via phone again, and I have never received the debt validation letter or a follow up from them since the beginning of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a credit builder account with the company Chime. One day I was going on a trip and booked an XXXX with my credit builder account for my first portion of payment for my XXXX. The credit builder account for Chime was XXXX. It messed up my credit a lot. I close my credit builder account a few weeks later. I paid the rest of my XXXX with my regular chime checking account because i closed my credit builder. my XXXX host unfortunately canceled my reservation. the first portion of my funds that was paid to reserve XXXX ( {$92.00} ) was refunded to my CLOSED credit builder account. I reached out to chime since XX/XX/XXXX ( exact date when XXXX refunded my money to my credit builder ) for about four months ( last outreach was today XX/XX/23 ) they gave me the runarounds for my money. First they kept telling me that it was already refunded, and that I had already received it after me repeatedly telling them that the funds are on my closed credit builder account. They closed my dispute after I kept repeatedly asking for an update on my funds, and where my funds were. Once they were finally able to see that the funds were on my closed credit builder account, they kept telling me that I would receive a check. I have reached out several times in regards to this check and still not receiving a check in the mail. I literally just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed today that there was an hard inquiry on my credit report from Capital One. I have asked XXXX XXXX and XXXX to remove it which they have not as of yet but XXXX has. I did not authorize this inquiry nor will I decide to have a credit care or any line of credit with Capital One. Ive also had to put credit freeze on my accounts with each bureau.

Company response to consumer: In progress
Consumer complaint received 2023-12-17
Company: U.S. BANCORP
State: UT
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Dear Sir/Madam, Can you please help me resolve my issue for the gift cards I bought from XXXX store on XX/XX/2023. 

I bought 4 gift cards in total and 3 of those cards were fraudulently used in Arizona. 

I tried using the cards in XXXX and XXXX and was getting declined transactions for the next 10 days and all the while calling them why I can not use the cards at all. On XX/XX/XXXX, a hacker used the cards at XXXX XXXX in Arizona and I immediately called them about this. 

Each card I have to call separately as they told me that is how they process these cards that I have issue with. The first card the agent agreed and sent me a replacement card for it. The next succeeding call the agent denies my replacement saying I authorized the transactions. With this the other card they have approved for replacement was also denied back. How can this hasppen as I am in Utah and never set foot in Arizona. 

Another thing that I want to get resolve is that they blocked my phone number when I am calling their customer support and I have to resort using other family members cell phone so I can connect thru and follow up on these. 

I have attached a copy of the receipt ( XXXX ). My utah id, record of the fax transactions dated XX/XX/XXXX Also their letter of denial claim and the copies of the cards I am disputing. 

You can contact me at phone number ( XXXX ) XXXX or XXXX if you need more information to prove that I did not try to scam USBank gift card and with their effort to thwart scammers by denying me to use my card in turn the card was compromised by other people. 

Thank you for your kind understanding.

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 2023-12-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COLUMBIA DEBT RECOVERY LLC DBA GENESIS has emailed me twiceXXXX XXXX, 2023 and XX/XX/2023-saying that I owe {$200.00} to XXXX Apartments. This information is incorrect because XXXX Apartments has acknoldeged that my husband, XXXX XXXX, and I, do not have an outstanding balance. 

Both times I have emailed back informing them that this debt is not accurate because I do not have an outstanding balance with XXXX Apartments. I've attached for your records the email communication between myself and XXXX management that states my husband, XXXX XXXX, and I do not have an outstanding balance. Further, my husband received this response from XXXX Management that confirms on record that we have no outstanding balance. The XXXX XXXX is available here : XXXX XXXX XXXXXXXX. 

Genesis has not responded to either of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX 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 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 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 2023-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My direct deposit was never put into my account. Ive called Wells Fargo multiple times, and each time I got a different answer as to why not. I requested them to call me back because I filed a complaint, and they have not yet, I am now being charged multiple late fees on multiple bills.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-15
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In or around XX/XX/2019 an apartment community ( XXXX XXXX ) allowed a tenant to use my personal information without my consent. I was not present at anytime the transaction was initiated. My signature does the match the signature used. My driver license was used without my consent. My license was texted or emailed to the community. However the transaction was performed I had no knowledge of it. I went to the property to dispute the activity and nothing was done about it. I did however notice the company is updating the false information as if it was a new credit entry. This activity is damaging to my credit report resulting in denials for credit. Additionally, Corelogic has tacked on {$1000.00} to go with this account. This is almost {$10000.00} worth of damages to my name and credit file.

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 2023-12-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company is Wells Fargo Bank. When I applied for a loan through the bank Wells Fargo sent me a denial that I received that my income, my money came to me from a public service or source and I might not have the capacity to lock into a loan contract. This is discrimination. I receive social security XXXX that is not a gratitude but, an insurance policy that was paid for and earned by me, and my work credits were earned by me. I want this challenge! In New Jersey, there is a case law that my Social Security XXXX insurance is not public assistance. It's not XXXX and I'm not mentally ill and I am requesting a public apology or I plan on bringing suit. This is the reason i was denied a loan and they should be ashamed to say such a thing and use that against me when it is not true. XXXX, Thank you for your help

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 2022-12-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted XXXX, EQUIFAX, AND XXXX about the error on my consumer report. But they have yet to fix the problem. 
I've never lived at the addresses LISTED BELOW. 
XXXX : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, TX XXXX. 
Could you please remove these addresses from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice to opt Out Per XXXX XXXX XXXX Per the FCRA ; as a Federal protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you or your company in written, non-written, verbal, and non-verbal form. 

I am rescinding all authorizations per XXXX XXXX XXXX. 

This is effective immediately and indefinitely.

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 2023-11-07
Company: The CMI Group, Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
POA is attached with this complaint. Credit Management LP has ruined my reputation by way of reporting false and misleading statements that hinder my ability to obtain personal goods and services for my household needs. Credit management never had a binding contract with my person. 
Thier must be mutual assent and valid consideration for a contract to be binding. I need a certified copy from the Secretary of State signed and sealed stating Credit Management lp has the authority to act on behalf of XXXX XXXX XXXX 
I demand a swear statement under penalty of perjury that XXXX XXXX Lawfully owes this debt. 

I request that Credit Management Cease and Desist all further attempts to collect until this matter is addressed point by point in the notice given below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX letter XXXX phone call XXXX letter XXXX phone XXXX letter and call My account was subject to fraud and there are mutiple inquires made on my behalf. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation