BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
XXXX XXXX XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23
Company: Diversified Adjustment Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified on XX/XX/XXXX that an account was added with collections for a debt of XXXX by XXXX and sent to Diversified ADJ SVC to Collection Department with a Account Number XXXX. That account or debt does not belong to me. I have been a victim of fraud or identity theft, I already have an alert in the credit companies for fraud alert since XX/XX/XXXX. I need you to please verify all that fraudulent information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was a recipient of a lawsuit against Navient for overcharging veterans interest, which was settled in 2015 with Navient being at fault. The settlement was given directly to Navient. I was in no way informed by Navient. The balance in the amount of approx {$35000.00} was not updated on my account and I was not notified by mail or email or telephone. I was not aware of the lawsuit until the IRS informed me that I owed back taxes in the amount of approx. {$11000.00}, which I am being charged penalties on in excess of my monthly payment. It was a difficult and confusing process to get the information from Navient customer service. They were finally able to locate the sum, but the records available still leave me confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
Equifax Has really screwed up my credit report. They have two HUGE errors and I am asking for correction and monetary settlement due to their errors.

They once again have put a DISPUTE CODE/STATEMENT on my XXXX XXXX account ( XXXX ) I have never disputed anything with them or the company and I am demanding that this statement and all dispute codes be removed from my credit report and that this never happen again. ( SEE PROOF ATTACHED ) They have also now removed a good standing account ( XXXX XXXX XXXX XXXX account from my credit report ) All good payment history gone because of these idiots and their violation of the FCRA. They have also put on there that I have disputed this account and a REINVESTIGATION is in  process. I personally spoke with my rep at XXXX XXXX XXXX XXXX and they have informed me that no dispute was ever opened. This account and all past positive credit payment history is DEMANDED to be put back on my report and that my report not be touched like this again. 

I am demanding that all incorrect information be removed and that a monetary reward of XXXX per instance a total of XXXX be rewarded to me because of this companies arrogant and incorrect behavior and because they are causing financial strain on me to take time out of my busy schedule to stay on top of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection 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 2017-12-08
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX,2017 I used online payment and paid credit card and used the wrong XXXX checking account ( which belongs to my ex husband not myself ) .by mistake. Within a few days received phone call from my ex husband informing me of the mistake. I immeadiately called Chase and asked them through their knowledge how to handle this transaction and reverse this payment back. Since no actual payment was due on the card at the time it was not a big issue the woman informed me and she would handle the problem. A few days later I looked at my account and noticed not only did she retiurn the pay payment but she reversed a second amount of {$300.00}. So Chase actually created 2 transactions out of the one transaction. Because of this they paid an extra {$300.00} to XXXX XXXX which is a mistake. Therefore they are charging this mistake to me and my account. I am not the reciver of the money on the other end and have asked for the return and they refuse to correct their mistake that I at no time approved. So not only did they protect themselves with the return, they paid an extra {$300.00} and charged it to me. I have spent over 7 hours on the phone being misled, yelled at and lied too. I finally got to the payments department where I asked could they please investigate the problem and get to the bottom of it and please give me my money back. I was yelled at and told no too bad and to XXXX it up. I would just have to pay for the mistake, it clearly is a mistake on someones part at the bank. And it is unfair that they charge me for the mistake..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CNG HOLDINGS INC
State: MD
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 just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After months of dealing with issues in working towards obtaining a short sale approval letter we finally received and deadline to close is XX/XX/18. However, we can not close because XXXX XXXX XXXX has a judgment against the property for the wrong person, they confirmed it was not my social security number. 
We had our realtor and daughter contact MCM for proper release on XX/XX/XXXX and they confirmed it was mailed on XX/XX/XXXX, yet we did never receive. We called again on XXXX and offered to pay for the expedited service in additional to a fax or email of document to closing attorney for title insurance approval and closing by deadline -- MCM said they could not. Now i'm faced with possible foreclosure due to short sale deadline and MCM will not work with us in providing quicker service. Their best is to wait another 7-10 days for regular mail. Supervisor XXXX confirmed there is no escalation process and manager above him will not be able to help as well. When asked to speak to his manager, conveniently he was unavailable and no direct # to call back. 
Furthermore, their website for service and complaints have been down for maintenance, it re-routes back to making payments only. Not as friendly as website portrays to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

TransUnion -XXXX XXXX and 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 2019-01-30
Company: EQUIFAX, INC.
State: TN
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 XXXX took out a hard inquiry on my credit report. I did not authorize or give any consent for this company to run my credit. This is a shady pay day loan company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 a derogatory account reporting on my credit for a credit card that was discharged in my bankruptcy package. Their is no reason why this account should be still active on my report. It has the Chapter XXXX BK mentioned in the remarks but shouldve been removed off of my credit once my BK was discharged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. 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 2019-01-30
Company: H&H Legal Support Services LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I took my dog to XXXX XXXX XXXX. It was supposed to be a free visit because I adopted her from the animal shelter but while there I let them guilt me into all sorts of other things she needed and they put me on a payment arrangement with post dated checks. I had it down to {$40.00} owed still with that split into two more checks when my bank account was compromised and drained. I called them immediately to cancel those checks. A week later my dad and cousin died and dealing with the funerals I forgot to get back with them. The vet then tried to cash the checks anyways and charged me NSF fees since the checks didnt go through then sent a balance of {$170.00} to H & H legal to collect the debt. H & H called me one time to collect the debt and I told them I didnt have it as I had to borrow money and spend all my money on my dads funeral and was homeless at the time. They then took it to small claims court, added a bunch of fees to it, when I was served papers I begged and pleaded with them to allow a payment arrangement instead of going to court or let me call in or change court date as I was on strict bed rest. They refused so they won their case because I didnt go to court, I was never set anything with my new balance. H & H then had two additional court dates that I was never notified of at all that thy added attorney fees and court costs for because I didnt show up. We then had court on XX/XX/XXXX that I was finally notified of so they could get employment info to start garnishing, they showed up an hour late to court and asked my info, due to health reasons I dont work because I was in a bad accident. I asked th that day to send me an itemized statement since they have all these other fees added and to set up a payment plan. They said theyd send my statement and that it includes initial balance, interest, attorney fees, and court costs. The initial small claims docket says they only got the XXXX plus attorney fees and court costs. Nothing about interest. To this day ( XX/XX/XXXX ) I have asked via writing and in person 7 times in writing and once in person for a statement and have been ignored every time or told they would send it and they still havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: SYNCHRONY FINANCIAL
State: PA
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 show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

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 2018-04-02
Company: Bepensa Capital, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: IL
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 a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX, XXXX  AND XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation