BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Millco Management
State: AL
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:
I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.

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 2017-12-19
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The entire premise for the 1st and 2nd complaint towards NCC Business Services was that when I called on XXXX/XXXX/XXXX I was told this account was open, when in fact my credit report showed it was closed ( proof is attached to 1st and 2nd complaints ). The representative offered a settlement which I had been told for 4 years they did n't do. Then on XXXX/XXXX/XXXX my credit report showed the account was back open ( proof is attached to 1st and 2nd complaints for this as well XXXX. I want an answer as to why I was told it was open on XXXX/XXXX/XXXX when it was n't according to my credit report and then they opened again the next day?! 

They did n't respond/answer to the reason I wrote this! Why was I told it was open on XXXX/XXXX/XXXX when it was n't and then they reopened it on XXXX/XXXX/XXXX after miraculously offering a settlement when for 4+ years they couldn't/would n't!? I have submitted proof of my credit report reporting and their calls are recorded. Pull the call on XXXX/XXXX/XXXX and listen to the fact that I ASKED IF IT WAS OPENED and was told YES and that they are COLLECTING ON IT - which was FALSE according to my credit reports and that it was CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Santander Consumer USA Holdings 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:
Recently, I reached out and spoke with a representative of Santander Consumers USA. Upon speaking with the representative an agreement was made that if I was to bring the account current ( it was in 60 days past due status ) that my account would be made current and the late payments will be made current and late status removed as well. I made the payment amount of XXXX on XX/XX/2020. The account has been made current but the past late payments remain. My job is currently doing a yearly review on our backgrounds and being that I work for a finance company this may prevent me from keeping my job. This is will severely affect my livelihood. I have asked multiple times to have them removed. I have maintained a current status with my car loan since I was able to get my finances on track since obtaining steady employment. I currently solely provide for my daughter I am unable to risk losing my current job. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Central States Recovery, Inc.
State: KS
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 sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from Central States.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Cawley & Bergmann, LLP
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2019 Contacting family members and disclosing personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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:
I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-25
Company: COAST PROFESSIONAL INC
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have made several attempts to repay student loan to a debt collector ( Coast professional Inc ) with the cares act repayment option. Coast professional is not working with me to make payments and keeps holding up my paperwork with issues in review. When I speak to customer service they say its in review. And I never hear back, and when I call back its still in review, or their is a new problem with paperwork. I cant successfully make a payment on my debt.

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 2021-01-25
Company: Experian Information Solutions 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:
It has been fraud and theft on my credit reports, please provide a fraud alert to my accounts and require new inquiries to contact me before issuing new credit and remove all inquiries that over the last 24 months that didnt produce credit. My employer informed me that my identity was stolen and a false unemployment claim was created in my name. My identity was stolen in the past also and credit cards. I informed XXXX Police Department of the most recent theft today. Please remove remove XXXX XXXX  and XXXX XXXX MasterCard from my credit reports also. As a minority in this country I dont feel my identity is protected or credit profile correct. I will provide all information thats needed thank you. Im afraid of all the fraud, I have requested help in the past and havent received any relief and it continues to be a breach my identity.

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 2023-05-09
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
I have been challenging a few accounts listed on my credit report with XXXX, TransUnion, and XXXX for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and TransUnion that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.

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 2019-06-02
Company: JPMORGAN CHASE & CO.
State: AR
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, XXXX AND XXXX XXXX ILLEGALLY PULLED MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: WELLS FARGO & COMPANY
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have credit card with Wells Fargo, and my credit line is {$5000.00}. In XXXX, I received balance transfer offer from Wells Fargo ; the same month XXXX XX/XX/2020 XXXX, I applied for balance transfer in the amount of {$3000.00} plus {$120.00} transfer fee ( total {$3100.00} XXXX. The advertised terms says that " Enjoy a 0 % APR on balance transfers for 15 months ... .by XX/XX/2020 ... After that, your standard APR for purchases and balance transfer will apply ( currently 22.49 % ) ... 4 % balance transfer fee applies to transfers made in pursuant to this offer '' and Payment terms further says that " Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ... Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. 
From XX/XX/2020 to XX/XX/2020 I had a purchase balance of {$2600.00}, and I made payment of {$2600.00}. Also, the minimum payment was {$61.00}. According to the Payment terms, {$61.00} minimum payment should be applied to my balance transfer XXXX $ XXXX {$61.00} XXXX, and XXXX should reduce my purchase balance to {$35.00}. And also, my balance transfer balance should be {$3000.00} XXXX $ XXXX {$61.00} XXXX for me to enjoy the advertised 0 % for 15 months ( the reason I made the transaction ). 
Wells Fargo instead, reduced the balance transfer that is subject to 0 % APR for 15 months with my payments. This contrasts with the advertisement and then begins to charge me interest on my purchase balance. My purchase balance is the one with higher APR and balance transfer has lower APR ( 0 % ). 
I called them to complain about this issue, and they sent some documents repeating the terms as advertised, and I thought they would adjust my account balances to reflect the terms. However, Well Fargo refused to make any adjustments but instead, repeated the same practices, reducing the balance transfer balance to almost {$0.00} and charged me interest again. I called their Research and Remediation Analyst, XXXX XXXX at XXXX. She told me there's nothing she can do about it that Wells Fargo can change its advertised terms any time without notice.

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 2017-08-07
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient did not sent out notice that the debt was due until several months later, by then our interest was racking up. When I finally call them up and the lady on the line said yes your loan was due long ago and the interest now is $ XXXX. I have no choice but to paid the debt in full immediately so the interest stop racking up. I have paid the debt by now but now I just read an article about Navient being sue and I realized I am not alone. What can I do now? Thank you for your help. XXXX XXXX of XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CCS Financial Services, Inc.
State: NJ
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:
I have written several disputes to Credit Collection Services, which they have not responded to, a violation of the FCRA. they have failed to validate a debt at my request, a violation of the FDCPA. Credit Collection Services is required by law to provide me, the consumer, with information reported about me to the credit bureaus in accordance with the above stated laws. Please help me!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I submitted complaint # XXXX on XX/XX/2020 against Loancare LLC. I received the company 's response on XX/XX/2020. However, the company 's ( Loancare ) explanation is questionable. LoanCare says in the response letter that the charge to me of XXXX $ is for their payment to XXXX for recording the deed. But they did not provide receipt for that payment. Instead, they provided a copy of XXXX countys fee schedule. Nobody will use a price tag as proof of payment. If they did make the payment, they should provide the payment receipt. My title company charged me XXXX $ and paid to XXXX for deed recording ( Receipt # XXXX, see attachment ). XXXX county office will not change two times for deed recording for one re-finance. Please ask Loancare to provide receipt for their payment as deed recording fee for their XXXX $ charge. If they cant provide payment receipt, they should refund my money.

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 2017-09-22
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Initial purchase with Synchrony XXXX days later found out my sister was used as joint. I gave information to use her as a reference only. I went back to the store to have account financed with XXXX and to have my sister removed as joint on the account. Paid XXXX to do this with XXXX XXXX. I have papers showing purchase and credit to Synchrony XXXX and papers with new company. I have provided these items to Synchrony XXXX and they are refusing to credit account back and remove my sister off the account as she did not authorize to be joint on account. She was not present for the transaction. Also now they are reporting me late to the credit bureaus. 


Synchrony XXXX credited the account back in XXXX XXXX XXXX and updated my credit report and my sister 's creed report. Now as of XXXX XXXX, XXXX, Synchrony XXXX has changed my account balance back to what I was disputing and they have reported me 30 days late!! I did not provide documents since I recently provided them to Synchrony again on 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 2023-01-19
Company: EQUIFAX, INC.
State: IN
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 XXXX XXXX, I received a notification on the XXXX XXXX app that a XXXX loan labeled XXXX XXXX  was marked as a delinquent payment. This decrease my score by XXXX points. The government extended the freeze on XXXX loan payments through XXXX so there was no reason for this loan to be marked with a delinquent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the balance on my XXXX store card on XXXX/XXXX/XXXX in the amount of {$40.00}. That day, there was a {$1.00} charge to my account labeled minimum charge. There has been a {$1.00} charge to my account every month since then, along with a corresponding late fee between {$1.00} and {$25.00}. No one at the credit card company can explain to me why these fees are showing up on my account. I have called 4 times now and a supervisor tells me they will reverse the charges. As soon as the charges are reversed, another one shows up. Every time, they tell me to wait 48 hours for my account to be cleared. It gets cleared and then charges start showing up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a second request. There is an account on my credit report thats not mine. Please remove it. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello! 

On Friday the XXXX I saw that my paypal was hacked and someone fraudulently opened up a debit card without my knowledge. I reported the unauthorized transaction and paypal refunded the scammer and not me although they said it was a fraud transaction. This leaves my account in the negative XXXX dollars I am XXXX and on a fixed income so paying this back is very difficult. I found out a few hours later they have banned me from paypal for life and will not respond to any of my messages. I do not want this out standing balance to ruin my credit. Please help as I am very stressed out and should not be held responsible for this hacking. Paypal ruled I my favor that the transaction was fraudulent but returned the money to them and not me. They are now saying I owe the XXXX dollars and my paypal account is permanently banned and my credit will be ruined as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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:
This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking XXXX, EXPERIAN and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.

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