BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I received an email message from Amazon Services stating that a hold had been placed on my account because my card and billing information didn't match. Since I recently received a new Amazon store credit card, I thought it was a valid notification. I checked the email address - it was from Amazon. So, I spoke with an Amazon rep ; that's when I was told that the message was not sent from Amazon, and that my account was in good standing.

The Amazon rep advised me to report the incident to www.ftc.gov.

I've attached the letter provided.

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 2020-09-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I turned in my leased XXXX XXXX XXXX to XXXX XXXX XXXX and leased a XXXX XXXX XXXX. My account was paid off completely for my leased XXXX and I was turning it in because it was due to be turned in. I noticed my credit score dropped about 50 points due to XXXX stating the account was charged off as a bad debt. I contacted XXXX and was assured this problem would be fixed. I checked my credit today and the bad debt status is still showing it only states the debt has been paid off. This is illegal and untrue. I followed their rules set in place and they are now illegally misreporting my account causing my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Experian XXXX XXXX charged my credit card {$26.00} on XX/XX/2021 for services that I had not applied for and that I do not need.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is in regards to old student loans from XXXX through the gov FAFSA program. XXXX refuses to remove OLD negative credit reporting and late payments from my credit report, causing severely damaged credit score and also leading to bankruptcy. 

Because of this i can not get approved for a credit card or for my first home purchase. Legally XXXX is supposed to remove everything on my credit report that is more than seven ( 7 ) years old. The XXXX student loan dates i'm referring to are from XXXX, XXXX and XXXX. We are now in the end of XXXX, approaching XXXX. There are over 20 late payments still reflected on my credit report causing my score to be low. XXXX refuses to remove these old accounts. They are still reporting to ALL three major credit bureau 's ( Experian, XXXX, and 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 2021-06-30
Company: Nelnet, Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have refinanced my student loans, thought Department of Education- Nelnet shows my loans closed/refinanced but still delinquent. These loans are from XXXX all of which were refinanced and closed. 
I have 4 student loans, also refinanced from XXXX XXXX XXXX XXXX XXXX ; these are from XXXX. 
These are all affecting my score negatively because of the delinquencies showing. 
I feel that since that have been closed and refinanced, they should be taken off of my report. I have contacted both agencies, and have been told by both that they never come off your credit report. I believe this is unfair since technically they are still there under my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: FirstPoint Collection Resources
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I sent a letter to this debt collector because I noticed it on my credit report. I ask them to supply information so that I can be fully informed why they think I owe the debt and to who I owe it. On XX/XX/2021 I receive a letter that's says they are unable to make a positive match in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted Experian and opened a dispute regarding a XXXX account that was reported on my Credit Report. At that time, no information had been reported after XXXX, and the account was listed as a charge off. I had recently come to a settlement with XXXX to pay off the entire account balance for XXXX dollars. I called and spoke to a representative in the customer service center and advised her that the information being reported by XXXX was outdated, and the balance should be XXXX. At that time, she initiated a dispute. I received and alert yesterday that XXXX had " verified '' the information and is still reporting my balance as being Charged Off and unpaid, and my balance is XXXX dollars, which is incorrect.

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 2018-09-21
Company: Experian Information Solutions Inc.
State: SC
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 XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau Experian. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by Experian. Right now, the collection amount balance says {$4600.00}. The creditor address reported by Experian is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by Experian is ( 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 2018-09-21
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
JPL Recovery Solutions has repeatedly contacted my Mother, my Aunt, my Mother in law out of state, and my employer. They have shared that they are collecting a debt, they have threatened my elderly mother with legal action unless she gives them more information on me. We have gotten calls from a XXXX XXXX, a XXXX XXXX, and one other male caller that I can not locate my notes for the name. 
These calls began within the last 60 days, and culminated today with their calling my corporate headquarters at my place of employment. The call was transferred to me, and when I explained that they are not to contact me at my place of employment, they argued until I ultimately had to disconnect the call. Their employee XXXX XXXX then called back through, demanded to be transferred through to HR, and demanded a fax number. My colleagues have been advised to hang up calls from this company or to send them to voicemail. 
This is a business, and not only that, but their threats and intimidation tactics are illegal. My place of employment is off limits, my friends and family are off limits, and they have been advised as such and continue to call. Please help me stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I have another complaint to make regarding Portfolio Recovery Associates. I have filed a prior complaint requesting the original consumer signed contract for account # ending in XXXX. Theyve failed to provide me anything with verifiable proof. I have attempted to settle with them on 3 occasions with no luck, my goal was to avoid missing work as it is imperative I be @ work. I missed a day of work Thursday XX/XX/XXXX only to find out they had rescheduled the court date. Why? I am at a loss @ what to do to get resolution. They havent provided me a copy of their state license, a copy of the signed agreement. I am attempting to resolve this matter and am having no luck! I couldnt afford to miss work on the XXXX and Im not looking forward to missing another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a contract in XX/XX/XXXX for 42 months at the amount of {$60.00} for a home security system through XXXX. Based on this, the contract would have ended in XX/XX/XXXX. Although I was very unhappy with the service, I fulfilled the 42 month contract and paid on time every month until the end of the contract date. I personally contacted XXXX  by phone to remind them that my contract officially ended and that I no longer wanted their service. They informed me that I had to cancel through a notarized letter to headquarters in order to cancel it. I called a total of five times reminding them that the contract has ended and that I no longer needed their service at this point. They continued to bill be until the bill had reached over {$600.00} and then they disconnected the service. I recently checked my credit report which states that I now owe {$900.00}. I sent the collection company a debt validation letter asking for additional information like total payment history/amount paid, which would reflect that I paid until the end of the contract. They did not state how they arrived at the total amount due, just provided me with the contract, which states everything I have been saying. As result, I should not be responsible for the delinquent amount because I fulfilled the contract that I signed and agreed to. I ask that I be relieved from this debt and it should be removed from my credit reports. I will attach a copy of validation letter, letter for demand of payment by Perfection Collections and copy of contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
BANK OF AMERICA Account charged off. {$670.00} written off. {$570.00}. 

Delete, from my credit profile, the account its product for identity theft, I never live in the United States of America, just the last year to now, so it's impossible this account going to be mine.

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 2018-02-14
Company: CITIBANK, N.A.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 2021-05-19
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sirs, I was sent to collections by my apartment complex for move out charges in 17 days without a bill, a email. phone call. a opportunity to pay in a reasonable time frame, no ability to dispute charges. I believe they did not act in good faith, abused the process to change {$3700.00}. Charges include rug replacement and paint dispute the fact that I lived there 7 years, This meets normal wear and tear definition. They charged me for a dryer ... .it worked when I left. They charged $ {$1300.00} in " other '' charges. They ken these were questionable charges so they abused the collections process to force payment. Please help us the consumer because this is unfair and becoming rampant. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The apartment complex is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The collections agency id IQ Data XXXX XXXX XXXX XXXX WA XXXX. My phone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Nelnet, Inc.
State: FL
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 been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: FL
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 HAVE HAD THE TIME TO REVIEW MY CREDIT REPORT AND I HAVE FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT I HAVE EVER MADE. I HAVE ABSOLUTELY NO IDEA AS TO HOW AND WHEN THESE TRANSACTIONS TOOK PLACE AND WHEN THEY WERE PLACED ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY PERSONAL INFORMATION GOT IN THE HANDS OF THE WRONG PERSON AND THAT PERSON WAS ABLE TO OBTAIN THESE ACCOUNTS USING MY IDENTITY BECAUSE THEY HAD MY INFORMATION. THIS SITUATION IS BEYOND ME AND IT IS CAUSING ME A GREAT DEED OF STRESS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received my card and the first statement closed a few days later, which included the annual fee, which I paid. Then the first month I tried using the card and at every transaction the card would be blocked with a fraud hold, so I 'd have to call to get it cleared. How annoying!!! Today I tried to use the card and it would n't work again! I received a phone call a few minutes later asking me to call XXXX XXXX XXXX to verify some possibly fraudulent transactions. I called and the person was unable to help me because there is now an access code on my account, so they transferred me to the Fraud Department. The Fraud Department claimed that they could not verify the possibly fraudulent transactions because somebody is reviewing my account. They said they did n't know how long the review could take and it could be indefinite. This is getting ridiculous! I have never had a credit card that is so hard to use! It 's like work using this card and I 'm beginning to doubt that it 'll ever work! The customer experience and customer service from this bank is horrendous! I 've never dealt with such a horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Every month late fees. They have added up like a house payment

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 2021-06-30
Company: EAST WEST BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On or about XX/XX/2021 I fell victim to two multilayered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my EASTWEST account to these fraudulent investment companies. 
Due to personal circumstances I was particularly vulnerable during this period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. Details of my case can be found in the attached

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 2021-06-30
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car from Carvana on XX/XX/2021. Its now XX/XX/2021 and I haven't received a title. The contract has be reconstructed two times due to Carvana 's mistakes in the paper work. The car broke down in XXXX and it was repaired. In XXXX I recieved an email saying I hadn't made my car payments although I did. I called XXXX which is the company that manages Carvana 's car loans and they told me the account had been closed. I called Carvana back and they told me the loan was being reconstructed. I then get an email telling me to sign the new documents and the interest rate is incorrect. So now they have to rebuild the contract again. My car breaks down on XX/XX/2021. I call the warranty company and they tell me that the warranty was cancelled on XX/XX/XXXX. The vehicle is now stuck on the side of the road. I call Carvana and they tell me that I didn't sign the contract. Then she looks in the system is sees that I did sign the contract. I talked to two agents from Carvana and got disconnected from both. I check my email on XX/XX/2021 and I now have an email saying I owe {$2700.00}. I call XXXX and they say if I make a payment today they can stop the charge off. I made my payments from XXXX to XXXX and the account was closed in XXXX. Now I am stuck owing money that I already paid and without a car. All of this has happened in the last 6 months. The vehicle still has temporary tags and no one can tell me when and how to resolve this issue. This is causing undue stress.

Company response to consumer: Closed with explanation