BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2017 I was first made aware that a XXXX account was fraudulently opened in my name. The account was with XXXX XXXX at the time. I provided them and XXXX  with the necessary documents supporting my claim that this account was opened fraudulently. 

I recently checked my credit report and found that this account is back on my credit report again.

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 2017-11-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have inquiries that dont belong to me

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 2021-09-14
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: SYNCHRONY FINANCIAL
State: AK
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 5 hard inquiries from SYNC/PAYPAL bank on my credit report that make no sense since some were done not even a year after I filed bankruptcy and had listed them as a creditor, so I know they would not give me credit back. I have tried to talk with them to see if they were looking at my credit regarding the bankruptcy and got no answers. I think they made a mistake when looking at or listing them as a creditor to my credit report, but I did NOT apply for any new credit with them right after I had just filed bankruptcy. There are 5 hard inquires dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, so not only are there hard inquires, but some are literally back to back.

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 2017-12-08
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Upon the sale of my home, I received letters from LTD Financial Limited Partnership months later stating that I owed a past due balance from XXXX XXXX XXXX. I have been trying to confirm that the debt is legitimate and that XXXX XXXX XXXX has an outstanding amount that was n't paid and if unpaid, that unpaid debt has been legally forwarded to LTD Financial Services Limited Partnership.

LTD Financial has not shown proof that this debt is owed.

Finally, LTD Financial continues to harass me with XXXX time per day to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have filed a formal dispute in letter form in regards to two items that were reported on my credit report that were inaccurate/false accounts. These accounts had an amount of {$240.00}, and {$470.00}, which were both in collections. I sent my letter in to the credit bureaus on XX/XX/21 and haven't heard anything about my disputes yet.

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 2018-05-07
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I switched cable companies end of XX/XX/XXXX due to XXXX not being able to accommodate my situation and provide a better package deal. I explained that my husband had recently lost his job and I needed to find a lesser package deal. I had XXXX ( showing as XXXX XXXX ) for 5 or 6 years and never missed a payment! I would have received a bill in XX/XX/XXXX and they sent me to collections in XX/XX/XXXX. How? That is unfair. I did not receive proper notice that I was being sent to collections! They didnt even give me ample time to pay the bill! They were unfair due to me switching companies. I feel that was their agenda. Its abusive to affect my credit without properly notifying me and allowing ample time for me to pay the debt. I contacted the collection company, Waypoint, and made 2 payments. Then, they hit my credit! This all happened within a matter of a couple months!! I switched service end of XX/XX/XXXX, how am I in collections in XX/XX/XXXX? I contacted the company and the collection company and kindly asked them to remove the credit hit and I would gladly pay the {$90.00}. They refused. I hear horror stories about these cable companies, however, I was always a great paying customer for years! They sure wont do anything to keep your business, but if you decide to leave for better deals, this is how they will get you! Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX Capital One, XXXX XXXX, XXXX and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Coinbase Listed XXXX last week XXXX so The Whole Week & Weekend Was A Mess if you Were A Buyer Of XXXX on Coinbase .Today after 15 emails they Responded with a computer program email .I am Out est - $ XXXX From The Time Of Buying, I can't go back and figure the cost out because the numbers have a changed ..I went from {$7200.00} on the XXXX and XXXX on the XXXX The Balance was {$710.00} .So To Be Truthful I don't know the True Math Or Numbers .All Because they Forgot A Zero ( 0 ) when they Listed XXXX .Showing I XXXX not XXXX and, XXXX not XXXX and XXXX not XXXXThey Forgot the Zero ( 0 ) .I went to XXXX to verify the numbers of all the sites selling XXXX and Coinbase was missing a Zero ( 0 ) .I tried to message Coinbase with No Luck of Getting My Balance Back .Now I'm here hoping for some help .Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX JH Portfolio Debt received a certified letter disputing a debt for {$380.00} and asking for validation by signed contract. No response was received from JH Portfolio Debt.  Another certified letter was sent and signed for on XX/XX/XXXX asking the unverified debt to be removed from my credit file since they have not complied with both federal and state reporting laws. This unlawful reporting of a debt by JH Portfolio is damaging and harming my credit report. I will continue to file complaints and pursue legal action against JH Portfolio if they continue to breach FCRA/FDCPA laws.

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been attempting to get my payments to a manageable amount for loan sequence three. I have been reaching out to servicer AES who said they have contacted XXXX but have not heard anything back. This has been going on since XX/XX/2017. XXXX has acknowledged they have received the request in a previous complaint but have yet to respond. In the meantime my credit is being hurt due to them not responding. I am attempting to pay the debt I just can not afford the current payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received my credit report and saw that a company called XXXX XXXX was collecting a debt from me for medical services at XXXX XXXX XXXX XXXX. The date of service was in XX/XX/XXXX. I paid payments to XXXX XXXX XXXX over a period of 6-12 months. XXXX XXXX refuse to remove the debt since it was already paid, however in XX/XX/XXXX we can to an agreement and it was remove XX/XX/XXXX by all three bureaus .Now XX/XX/XXXX its back reporting on XXXX XXXX for XXXX dollars more than the original amount of XXXX dollars. It is now being reported by Wakefield and Associates for XXXX XXXX. XXXX was collecting for XXXX XXXX XXXX. Each time this debt is remove, paid or debt with another company takes it over and devastates my credit yet again. I have requested Wakefield and associates to send proof and valadiate this debt which should have been done prior to sharing a collection with the credit reporting agencies, XXXX is disputing this debt how ever they have all the documents of when it was remove and allowed another collector to put it on my credit report. This needs to be remove and the company debt with for illegal deft practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning, I have disputed with XXXX  and Bull city financial solutions on several occasions since XX/XX/XXXX til the most recent XX/XX/XXXX for a XXXX XXXX XXXX bill. This account was paid in full every month but for some reason Bull city says I owe {$130.00}. I have sent XXXX  my bank statements of the timer and amount in question. I have tried calling Bull city financial solutions and I got no response. I tried sending certified mail to Bull city financial solutions to the address listed and the mail was returned as if the address doesn't exists. Ive been trying to resolve this issue for years and XXXX keeps coming back saying the account is verified. Ive been trying to get in contact with Bull city financial solutions for years and haven't got a single response so I am wondering how XXXX  is verifying this debt. Bull city financial solutions address listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX. Phone number XXXXThank you for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
There is multiple business credit card inquiries on my credit report. 

I only applied for a XXXX XXXX XXXX XXXX on XX/XX/2020 and now there is inquires from other Banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is a classic case of predatory lending. I opened a Credit Card with Arhaus through Comenity Bank, to purchase furniture that apparently was on a 12-month promo plan that ended XX/XX/2020. I am enrolled in paperless billing, and I am on auto-pay so I did not receive any notifications from Comenity that my account was coming up due. When I logged in today XX/XX/2020, I realized that I had been charged {$9400.00} in finance charge ( over 40 % in interest! ) over a one month period -- - I called their customer care today, XX/XX/2020 at XXXX ET, to question and request a waiver so I could pay the balance remaining. Their account reps told that the Terms & Conditions specified that I could be charged the finance charge since the promo period ended on XX/XX/2020 and they only have a 3-day grace period. Comenity is hiding behind the Terms and Conditions fine print, and the reps said that they don't send any notification to inform about an upcoming due date. I have been on the phone with Comenity multiple times over the last year, but I was never made aware of the 12-month promotional period, by either Comenity or Arhaus when I signed up. I feel completely misled and cheated, especially when I am calling within ~30 days of the apparent promotional end date to pay any balance due. They are choosing to add this financial burden without owning any responsibility / accountability / humanity. I am a young mother with a newborn, and really can not afford such a huge fee charged by Comenity.

Please help me hold Comenity accountable for what feels like absolute consumer fraud and predatory lending practices. Thank you so much! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
GE CAPITAL RETAIL BANK now known as Synchrony Bank allowed a credit card to fraudulently be open in my name opened XX/XX/2013 in the amount of {$1500.00}. Account number : XXXX. I am a XXXX XXXX XXXX veteran. They allowed someone to open the account using my old address from government housing. They sold the debt to XXXX XXXX. I didn't find out about this fraud account until XXXX started calling me 5 plus times a day. I have sent the fraud form to XXXX 5 different times and they keep claiming they haven't received it. They have harassed me since they bought this fraud account. In XX/XX/XXXX XXXX posted this account on my credit report on top of Ge Captial Retail Bank/Synchrony Bank having it reported on my credit report.

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 2019-04-29
Company: Coinbase, Inc.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Hello my name is XXXX XXXX, I am a citizen of the United States. I have had an account opened with Coinbase which is a cryptocurrency exchange. On XX/XX/2019 at approximately XXXX XXXX I initiated 4 transactions on Coinbase from my XXXX bank account. The first transaction amounted to XXXX , second one was XXXX , 3rd one was XXXX $ and the last one was XXXX XXXX Before doing those transactions I had crypto currencies valued at XXXX $ at the time. Upon reviewing my account and transaction I realize that a XXXX was added to everyone of my transactions which I am certain was not a mistake on my end due to the fact that I review every transaction before completing it. These purchases were initiated via ach transfer.. I attempted to cancel these transactions but upon reviewing Coinbase user agreement terms I learned that once a ach transfer is started there is no way to stop it. 2 days later my Coinbase account was blocked due to failed payment and the XXXX $ which I had in my account. Coinbase has begun liquidating my assets stating that I owe them XXXX , I have contacted numerous times there customer service department but was unable to get any assistance. Coinbase is basically robbing me of my money due to a technical error on their end wether it was intentional or not I am not aware. I hope that this department will be able to assist me. My case number with Coinbase is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After submitting income based repayment application, nelnet wants to increase my payment, even though my income is the same from last year.

Company response to consumer: Closed with explanation