BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: Penn Credit Corporation
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a " Notice of Collection '' from PennCredit Corporation in XXXX PA advising me that the State of New Jersey had referred collection of my delinquent account to their agency. The notice contains the following information : DEPARTMENT, COMM AFF - CODES & STANDARDS, SERVICE DATE - XX/XX/XXXX, BALANCE {$5600.00}. 
There is a case number and an ID number which I am not including because it may pertain to someone's personal information. 
The notice was addressed to my address, to someone who has a different first name than mine, but who has the same last name as my maiden name. I have not used my maiden name since I got married 32 years ago, I was not New Jersey in XX/XX/XXXX or any other time, I do not own property in New Jersey and I have never done any business with the state of New Jersey. The only similarity between me and the owner of this debt is a last name that has never at any time been associated with my address. This company is attempting to make a connection between the owner of this debt and a thread of information they located to attach the debt to someone. 
The have misused my personal information as it is not relevant to their purposes. It is through practices like this that people have their credit destroyed and it can take years to get it corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
disputed with the company twice the failed to investigate the stalled the process to investigate with original creditors on the validation of debt letter i sent to creditors the creditors also failed to validate said debt i owe. i disputed a third time with supporting documents on the validation letter sent the creditors are still reporting false debt on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made an additional payment manually after the auto payment posted. Unfortunately, the extra payment was returned NSF by my bank. My credit account is in very good standing and has never been delinquent. 
I inquired with the XXXX XXXX XXXX and was informed that if a second NSF occurred in the future, my account will be automatically closed. It follows that only one returned payment due to NSF is allowed by the policy of the bank, regardless of if the NSF results in a missed on time payment or not. 

I believe it is very unfair and unnecessarily adversarial to count a voluntary additional payment returned NSF, to count as the single allowed NSF before the account is closed if a second NSF occurs. 
Now, I worry that should a second NSF occur for whatever reason, the axe will fall and my account in good standing will be closed even thought the payment that was returned NSF was an additional payment that did not result in a failed on time payment, or late 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 2020-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted Capital One Auto Financing about the loan on my vehicle because it is reporting closed on the credit report but I am still making payments on the vehicle. I am unable to log into the system to make payments and times I have called they said I did not have to make the payments if I did not want to. The customer service reps have told me that the account was a part of my bankruptcy and that the account was never re-affirmed by the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Account balance of {$490.00} was due on XX/XX/XXXX.

I paid {$500.00} on XX/XX/XXXX On XX/XX/XXXX a {$5.00} interest charge was applied to my account.

I spoke with with someone in Capital one regarding this situation. I was told that this charge was from the previous months billing cycle. The previous Statement balance of {$420.00} was due on XX/XX/XXXX. To my mistake, I made a late payment of {$600.00} on XX/XX/XXXX. On XX/XX/XXXX a {$27.00} late fee was charged to my account ( which I am not disputing ) and on XX/XX/XXXX an interest charge of {$9.00} was charged to my account ( I am not disputing this as well. ) They are telling me that they are charging me interest 2 months in a row on an account that had a negative balance because I had the late payment in XX/XX/XXXX. Can they do this? After being on the phone and telling them I was filing a complaint with the CFPB they agreed to remove the charge. I was told in the future if this happens again they won't remove the charge and that yes they can charge interest on accounts that have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Citizens bank is demanding a balloon payment after three months forbearance ; those of us who own XXXX   XXXX certainly haven't had normal revenue these three months. Asked to merely tack on three months to loan duration in order to stay current ; bank offers nothing but a balloon payment. 

Customer service just tells you " that's all the bank is offering '' My mortgage is {$3600.00} mth ; in forbearance currently since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2018, I contacted CXXXX XXXX, representing XXXX Florida Credit Card servicing, because I have been receiving emails about an account I never opened. An option for " No longer receive these emails '' or " This is the wrong email '' was nowhere in the email. I was concerned that either ( A ) my identity had been stolen, ( B ) this was a phishing scheme, or ( C ) a person with my name had accidentally typed in the wrong email address. 

After being transferred, I spoke to a person who said they could help. The first thing they asked for was my social security number. They then gave me the option of giving them the email. 

After I gave them the email and they flagged it, I let them know that asking for my social security number was something no bank would do, and that their system had a problem. They insisted their system was fine. I explained that if their system was fine, emails would have a confirmation process, then I'd never have received these emails in the first place. 

The person said I knew it was a bank, so I should be comfortable giving them my SSN. I explained that I had no idea it was a bank, it was simply a phone number in what could be a SPAM email. I'd never heard of the bank, and every piece of correspondence had a different physical address and company name. 

The phone number I called was XXXX. I had to sit on hold for about five minutes and deal with two customer service representatives because someone typed in the wrong email. The entire interaction left me frustrated and suspicious, and I would like someone to examine their operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX  XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX XXXX XX/XX/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 2020-05-24
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I filed complaint number XXXX XXXX with the CFPB regarding a collection account on my credit file. Per the response from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, it is claimed that this account was originally opened with Cash Net on XX/XX/XXXX but placed with their office by XXXX XXXX XXXX XXXX. Hence, and first, I am hereby requesting a contractual agreement SIGNED by me on XX/XX/XXXX for any alleged loan from Cash Net. 
Secondly, I am requesting documentation indication how the funds were provided to me. 
Lastly, I want to be very clear that the claim by XXXX is fraudulent and it is outrage that I have to deal with such fraud and my credit score has to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This issue cause my credit to take a dive with XX/XX/2019transactions. I could not understand why my score was so low. I just paid of a home through a sell. AmeriHome is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Harassing me regarding a charge off by another collector that I don't know about. I received notice regarding an alleged debt which was charged off and then purchased by Portfolio Recovery. This account has been previously disputed and deleted from all 3 credit bureaus because it was not validated as mine and recently reinserted without proper notification to me. I have once again asked for documentation proof that I owe this debt because I am unaware. I requested signed contracts and method of which this debt was being paid. I called multiple times to obtain this information and it was not received. The last time the supervisor XXXX took the call and stated they did not have a signed contract from the original creditor on terms and conditions pages or methods of how it was originally being paid. I told her I needed proof not just basic information that is public record. This harassment for payment for something as my right to request valid documentation. Portfolio was unable to properly validate the debt in previous disputes which is why it was removed from my credit files. Now they illegally reinserted it without any notification and still aren't responding with proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: EQUIFAX, INC.
State: NC
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 sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A Chase XXXX-XXXX  transaction was erroneously sent on XX/XX/20 in the amount of {$480.00}. I've explained to Chase the issue and asked for them to work with the institution that received funds to reverse the transaction. I need someone from Chase who can help. They advertise there XXXX with XXXX as a fast, convenient, and safe way to send money. However, sending money to the wrong person is fraud. 
I tried contacting the person who received the money and they have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.

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 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCY I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2018-03-31
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
It was my understanding that the only way that i could receive student loan forgiveness ( i am an XXXX ) was if i consolidated my student loans with XXXX XXXX. After 10 years of public service, 120 on time payments, I could request forgiveness. I was never advised as to what type of payment plan that I would need to be on, only that a qualifying payment would need to be made. I began making standard payments on XX/XX/2012. Believing that I was doing the right thing and on course for loan forgiveness, I submitted my employment certification form for PLSF last year, ( which is now missing from my file uploads in my online account ). After submitting my employment certification form I was notified that I would need to switch to a " qualifying '' payment plan. I researched through the website the qualifying payment plans and found them to be MUCH higher than my standard payment. So much higher that if I switched to the qualifying payment plan I would have my student loans paid off by the end of the 120 qualifying payments. Me paying off my student loans does not equal student loan forgiveness. I then called XXXX XXXX to see if what I was seeing was correct and the XXXX  phone representative said, yes i would in fact pay off all of my debt by switching to the qualifying payment plan and that does in fact happen for a lot of people that they are the ones that actually pay off the balance. THIS MAKES NO SENSE. I have been tricked into believing that I could be eligible for student loan forgiveness, consolidated my loans at a higher interest rate, was not explicitly given the choice of the correct payment plan for student loan forgiveness, then was informed that I would, in fact, still pay off my loans completely before i would meet all of the qualifications for student loan forgiveness. This company, who handles ALL of the federal student loan debt for people wishing to seek student loan forgiveness is not working to help people get rid of their debt. They are making money off of misinformation, incomplete information, or neglecting to provide consumers with the clear path to student loan forgiveness.

Company response to consumer: Closed with explanation