BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 I have reason to believe Acima Leasing is in violation of several laws under the FDCPA. 

Violation of FDCPA XXXX ( 1 ) in the attempt to collect an amount greater than the principal of the actual lease agreement. 

Violation of FDCPA XXXX ( 1 ) by using deceptive practices to state in the leasing agreement that I ( consumer ) previously agreed on applications terms and services on a SEPARATE agreement with no proof of a wet signature. 

Violation of FDCPA XXXX ( 2 ) as shown in the disclosure table of the original agreement with the total payments and cost of rental are evidence to this claim and the alleged financial details of the debt owed through the lease. Acima is using false and deceptive means to claim that an amount of {$3200.00} that is not the principal amount owed. 

Violation of FDCPA XXXX ( 2 ) by falsely claiming rent payments of over 27 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: CAPITAL ONE FINANCIAL 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:
InXX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
As an XXXX year-old citizen, I know very well my vulnerability to covid-19 pandemic, so I got onlineto purchase face masks in early XXXX. The seller was XXXX.It charged me {$160.00} for 3 masks plus 2 as a reward. When FDA announced 66 XXXX mask-manufacturers, I emailed the seller twice, warning him I would cancel my order if his merchandise were made by any of the 66 XXXX mask-makers. But he just ignored my requests for verification of his goods. This is why I returned his package unopened on XXXX XXXX and emailed the USPS tracking number XXXX to his agent XXXX XXXX , asking for a full refund, which she promised to provide once the return package arrived. Unfortunately, my three consecutive emails were declared unable to deliver by XXXX, disconnecting my continued requests for the refund. 

So I had to try to ask Paypal for help.Paypal promised me that the refund depends on my providing the USPS tracking number for investigation. However, Paypal some time later claimed that my return package was delivered to a wrong address, to which I strongly disputed, telling Paypal that the return address had been copied character by character on the seller 's package 's upper-left corner. which, common sense can tell, must be related to the seller. Paypal argued that the return address should be XXXX XXXX XXXX XXXX  XXXX, XXXX, FL.XXXX, which was given to Paypal long after I turned to it for help. 

However, as Paypal has insisted on its argument in favor of the seller, I had to refer my case to XXXX  for its assistance. But XXXX  of XXXX XXXX XXXX has taken no action so far. On XX/XX/XXXX, I tried to call XXXX and talk to a lady representative, who told me to try emailing to XXXX instead. I did, but there's no response as of today. 

On XX/XX/XXXX, in the wake of my threat of turning to XXXX, XXXX XXXX, agent of XXXX responded at last. Talks were resumed with little result.I warned her that it would be a crime if her company intentionally gave a customer a treacherous return address. But she ignores my advice. 

I have got online and kept talking with Paypal agents in the last two months. A few of them sounded willing to help, but no action was taken. An agent named XXXX advised me to directly appeal to Synchrony Bank, to which Paypal is related.she went so far as to provide me with the Bank 's checking account and its routing number as well. However, since the last four digit of my Paypal credit card she provides ( XXXX ) is different from my record ( XXXX ), I can't help wondering if her information is true. 
It might be a crime for me to take action hastily. 

Conversations between Paypal and XXXX would be provided at your request.

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 2023-11-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient is stating that only some of my student loans are delinquent when there has been a federal hold on all student loan payments. I asked them to explain this and to send information and which all they stated was that these were unsubsidized there for needed to be paid. I asked for them to explain this because I have many more unsubsidized loans through Navient and they were not telling me that all of them were due only specific ones and they were not able to explain why and the difference between the loans only that I needed to pay. This has significantly impacted my credit score without a reason why this is happening. I have disputed with all 3 credit report companies, and they have stated the same, that they are staying with Navient 's report. I need someone to explain why I am being impacted financially when Navient has not been able to give me a reason, I have over {$120000.00} in student debt and Navient is only reporting {$40000.00} as not being paid, what about the rest? All of the student loans are direct subsidized and unsubsidized through the US Government, not private loans and there has been a 3 year hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. 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. 30 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 2018-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018 I noticed on my Capitol One bill an interest charge of almost XXXX dollars. I pay my bill in full each month ( and have for years ). I  called them and they explained ( very poorly ) that they would remove the charge but that it was the interest on recent purchases ( i.e. next months bill ) in effect the grace period had magically disappeared and my rate was now over 22 percent ( it was 11.99 APR when I first signed up years ago ). My recent bill they did the same thing ( added over XXXX dollars in interest rate charges ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems, LLC. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my XXXX  report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. 

Alleged balance : {$650.00} Original Debtor : XXXX XXXX  XXXX  Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I have GAP insurance with XXXX XXXX and the insurance paid off the balance in full. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The Original loan amount was {$1000.00} which I have paid back. But the interest is several thousand dollars and there is no way I can pay that and every single day the interest charges go up by hundreds of dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My credit card company has a security policy in which I am to be notified immediately of any unusually large charges and/or of any instance where a charge is declined. Had they followed these policies I would not be in the situation I am in. 
I was in a position where I needed last minute flights home from XXXX. I attempted to buy tickets online but received an error notice before the transaction completed. I received no confirmation from the merchant or my credit card company so I was certain the transaction had failed. As an alternative, I purchased tickets for the same flight at an airport travel agency.. 
Shortly afterward, I received a call saying my credit card was declined and that my flight was full so would need to be rebooked on another airline. I approved, assuming it was an rep of the airport travel agency. 
It actually was the online merchant calling, so as a result I purchased a second set of flights I received no notification that my card had been declined OR that there were {$10000.00} in charges put on my card that day. In fact, when I called to clear the charge, there was only one {$5000.00} charge listed as pending. 
I have been disputing this for almost 2 years now. At one point a Chase customer service supervisor conceded that I should have been notified that the first charge was declined ( he said that there was no record of charges declined that day ) and of the large international charges. He said that my problem was that Chase paid the merchants before fully investigating. He also told me that there was a note that the case was closed because I had not provided enough information, but he could see that I had submitted all the necessary documents. 
Had they given me notification that I had 2- {$5000.00} charges that day or that the charge to the online merchant had been declined I would not have made this error. Either the online merchant committed fraud by lying about my card being declined or Chase failed to notify me of the issue. 
I understand this situation is very complicated, but had Chase followed their own security policies I would have been protected from his costly error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I did not open these accounts and I strongly suspect that they are fraudulent.

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 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have submitted disputes to you and didn't get a response within 30 days as required by law to do so. Please investigate my reports please. 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 non-monetary relief
Consumer complaint received 2020-09-01
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a credit report from all 3 bureaus ; XXXX, XXXX  , & XXXX. I noticed there to be 2 collection accounts listed on all 3 credit reports from Choice Recovery , Inc . I sent them a debt validation letter, not once but twice. Choice Recovery, Inc. sent a letter back stating they have verified debt for {$140.00} and {$190.00} and requested for me to sign a Authorization to Release Information. I did not sign this nor will I sign this. That is HIPAA Information. They can not just say a debt is validated by giving the Creditor name and amount due. I demand to see my handwritten signature on a contract stating I am obligated to pay them. Choice Recovery , Inc. has not supplied proof of what constitutes proper debt validation. I have disputed both  accounts with all 3 credit bureaus. XXXX  deleted both accounts from Choice Recovery , Inc. due to the fact that they could not get Choice Recovery , Inc. to properly validate debt. ( Proof is attached ). XXXX  & XXXX started they validated it but will not send me proof even after sending a demand for investigation letter. Both of these accounts from Choice Recovery , Inc. need deleted ASAP. The account numbers listed are : Choice Recovery, Inc Account # : XXXX - {$190.00} and Choice Recovery , Inc. Account # : XXXX {$140.00}. I have attached the letter exchange communications for proof of illegal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Victoria Secrets Credit Card. I forgot make a payment and that affected badly my credit score. I never received a call or a statement from them to remember me a debt. I paid in full a ballance and told them to please erase the report on my credit bureau but they said no. I never paid late any account after my bankruptcy. Is very hard maintenance my healthy score and this people affected to me badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : 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 explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-07-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2021 XXXX XXXX XXXX, XXXX stated that they are requesting a deletion from the Credit Reporting Agencies. As of XX/XX/2021 Experian and XXXX  is reporting that the account has not been 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