BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: DISCOVER BANK
State: CA
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:
I have. A discover card. That I recently found out had unauthorized charges. ( I became sick and unable to focus on bills - billing statements still actively closed in envelopes proving I had not seen any statements ) it did take. Awhile for me to report but this was due to me just finding out. Im being helps liable for unauthorized charges and being forced to pay for these unauthorized charges. 
I had no idea this occurred and when I became aware I reported it and told them I had not seen statements to know. 
They keep insisting Im liable due to their speculations and false accusations without objective proof basing everything on what could have happened what I couldve done. Falsely accusing me of doing this without objective proof making me feel like I need to defend myself from them placing me in a position of defending myself as if Im a criminal. 
It is I believe their join to help customers not use everything to pin charges on them because they cant find anyone to blame. 
Im being forced to pay for unauthorized charges. And when resolving dispute they said they resolved dispute. They did not Resolving a  dispute between customer n creditor involves a resolution between parities. This is not resolved to me. Or when I received a letter they stated they needed more information without speaking to me same day they sent a. Letter saying they concluded the investigation. And holding me liable. 
Essentially the dispute was not handled properly or timely. Please call me for more info pleas e. 
Discover falsely accused customers and makes the. Believe they did something wrong putting the. In a defensive mode as if they have to figure out how to be detectives and forced to accept liability for unauthorized charges. 
I regret this card. Please do not get Discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX XXXX ( XXXX ) requires new and EXISTING Public Record data, including Bankruptcy Public Record data, to have a NAME, ADDRESS, and either SOCIAL SECURITY NUMBER or DATE OF BIRTH before appearing on Consumer Credit Records from the three nationwide credit reporting companies. This policy was implemented to increase the ACCURACY of credit reports and ease the burden on consumers to correct errors on their credit reports. I have a Bankruptcy Public Record on my credit reports. This Bankruptcy Public Record DO NOT contain my NAME, ADDRESS, and either my SOCIAL SECURITY NUMBER or DATE OF BIRTH as required by the XXXX ; therefore, the Bankruptcy Public Record on my credit reports is INACCURATE. Additionally, the XXXX requires that the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. The Bankruptcy Public Record on my credit reports is now 9 YEARS AND 7 MONTHS OLD.

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 2021-01-23
Company: Advance America, Cash Advance Centers, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a pay day loan of {$550.00} on XX/XX/2021. Including the finance fee, I was responsible for repaying a total of {$630.00} which was due on XX/XX/XXXX. I repaid the {$630.00} balance due online with my debit card which cleared and posted to my checking account that day. However, overlooking my repayment of the loan, on XX/XX/XXXX, Advance America presented a check to my bank account for repayment. Consequently, {$630.00} was erroneously deducted from my bank account and I was inconvenienced by their error and could not fulfill other financial obligations ( namely my monthly car payment and car insurance payment that was due ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have letters from the 2 judges on two bankruptcy cases that were decisioned stating that the bankruptcies were filed under my name fraudulently and the credit agencies ( XXXX, Transunion, XXXX ) continue to report 1 of the two on my credit report. I have sent them copies of the judges decision and that it was fraud but it remains on my report. The Decisions were made on the following dates : XX/XX/2021 XXXX XXXX XXXX decisioned my case and I sent a copy of the letter within the next month to all 3 credit agencies and it was removed. On XX/XX/2021, XXXX XXXX XXXX decisioned my case and also stated that it was fraud that should be removed. I sent a copy of the letter and the credit agencys refused to remove it from my credit report, thus affecting my credit score and my ability to buy my first home. At this point, I feel helpless and I really need some assistance with this matter.

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 2017-12-14
Company: Bread Financial Holdings, Inc.
State: MO
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:
Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: IL
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 Thursday XX/XX/XXXX I received a text message from Chase stating Chase Fraud : We declined {$360.00} with card ending XXXX at XXXX XXXX. Was this you? Reply YES or NO. If yes, you will not be charged unless you try again. If no, we will close your current card and send you a new one. I replied NO and received a follow up text that my card would be closed and Ill receive a new one in the mail but instead someone was able to make additional purchases. I called immediately after my shift at work. I received a credit pending their investigation. On Monday XX/XX/XXXX I received an email to review account documents which informed me that I am responsible for all charges ( except for a {$1.00} purchase ) because Signature on this transaction matches signature on file which is impossible because I was working during the times of the transactions. I cant be in two places at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Stenger & Stenger, P.C
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sent documents as a CERTIFIED DOCUMENTS ADDRESSED in MY SON 'S NAME! I believe it is a time-barred debt. The debt was filed on XX/XX/XXXX, the judgement date is XX/XX/XXXX. This debt originated when I used to live in XXXX ( which was years ago ). The issue I have is that my son 's name was typed on a sticker and pasted over my name. My son is only XXXX years old. My check was being garnished. I believe that is part of a step to try to resolve the issue. Also, I do believe about two years ago a statute was passed that debt collectors could not garnish your pay if you lived in certain counties in XXXX. XXXX County being one of them. My concern is that is this even legal?

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 2017-07-28
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX 2017 I consolidate my federal student loans with Navient, while working on that, Navient informed me that I did n't have to make any payments on any of my loans and that I was only to make the payment towards the consolidate loans, hence I stopped making the payments towards my private student loan with Navient, in XXXX Navient contacts me to tell me that my private student loans are in delinquency and they are calling to collect the money. I told Navient that I was n't aware of that and that I was under the understanding that all my loans had been consolidate into one payment, including federal and private student loans, Navient admitted to have given me the wrong information and the reason they did that was because their federal and private systems do n't communicate with each other. Now Navient wants me to settle my account, however due to the delinquency that appears on my credit score, I have n't been able to get a lender, even with a co-signer. Navient is not willing to work around this, even thou they created obstacles to repayment by providing bad information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 i received a response from CAPSTONE CREDIT COLLECTIONS LLC i recently found out that the debt is not owned or bought by the company and the management is no longer in business i asked CAPSTONE CREDIT COLLECTIONS LLC IF I PAID THE DEBT WHO would they pay for my debt they told me to the management of XXXX AT XXXX XXXX. I DISCOVERS that the company has been bought out. the company has new management now which makes a new contract to be made in place, which CAPSTONE DOES NOT HAVE. Capstone has informed me that there trying to collect a debt that's pass the statues of limitations on top of not owning the debt in addition to that doesn't have a contract with the new management that there saying they would pay the debt to. so CAPSTONE is the only company that would be getting paid with no contract in place since the management that exist almost 6 years ago doesn't operate any longer CAPSTONE is trying to convince me that the new owners own the debt but, i have contacted the new owners at XXXX XXXX WHICH TOLD ME THAT they do not own any debt or are affiliate with XXXX at XXXX XXXX there committing fraud and i would like proof that they have permission to try to collect this debt in 2019 and i would like contact information for who owns this debt and who would i be paying this invalid debt to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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: Investigation took more than 30 days

Complaint:
Dear CFPB, I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no changes to my credit file. I sent a request a letter of Verification Method for EQUIFAX and they responded that they got there verified information from a 3rd party, XXXX XXXX. There use of a 3rd party agency instead of the Federal court shows the negligence in reporting verified accurate information. 

Furthermore, I contacted XXXX  Illinois District that Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. I believe they did not do there due diligence in verify the information regarding what is being reported by there credit agency. 

Finally, on XX/XX/XXXX, I initiated another complaint of inaccurate data being reported on an alleged Chapter XXXX Bankruptcy on my Equifax Credit File and I did not get a response with the 30 day time period. Equifax finally responded on XX/XX/XXXX and stated the same that the information was verified per XXXX XXXX. 

I am requesting you enforce my rights and have EQUIFAX delete the Bankruptcy from my credit file due to inaccurate information and there failure to verify the reported data. This is nearly 2 years of Equifax being evasive and unfair in working with me to rectify the inaccurate data on my credit file by demanding a Deletion of the Chapter XXXX Bankrutpcy, fin addition there are no other accounts associate with the said bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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: Account information incorrect

Complaint:
XXXX XXXX ( XXXX Credit Card ) I have three existing XXXX  XXXX Credit Cards but unfortunately, for just about 2 weeks now, my XXXX credit card has been giving me tons of headaches.. 

XXXX XXXX claimed that they only report once every cycle or month to credit bureaus, infact they did. For my latest statement balance, I only owed {$110.00} which was reported to the credit bureaus reflected as part of my credit report. But just last week, XXXX XXXX has started to GIVE INACCURATE information to Equifax and XXXX. They have forwarded my RUNNING balance which has affected my score. I made a dispute directly to the credit bureaus and XXXX has rectified the initial report, but XXXX XXXX still gave them an inaccurate information for the second time. My current running balance is at {$480.00} and at anytime, it will change. 

My GREATEST ISSUES : 1. Why XXXX XXXX is reporting my running balance even if they have already reported my statement balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I seen a XXXX on XXXX XXXX  & turned out to be a scam. I sent the money to him and still havent received anything

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as ofXX/XX/XXXX2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: F.H. Cann & Associates, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX-> XXXX-> XXXX XXXX  XXXX-> XXXX XXXX-> F.H. CANN & Associates Inc. 

I paid nearly 9 years of my student loans without Interruption. I then lost my job. Up until that point I had paid $ 20,000+ of my {$16000.00} loan. So I had paid {$4000.00} in interest at that point. 

After a certain amount of time not being able to perform on my loan, it went into collections. Though XXXX never mailed me the bills, or informed me they were sending the debt to a collection agency. They claim they sent me e-mails, though they did not. They never sent snail mail either. 

Now the collections agency, FH CANN is attempting to charge 24.34 % for collection costs. 

Luckily I only owe > {$2000.00}. What if I owed {$100000.00}?! Thats a {$24000.00} Collection fee! 

It equates to 4 years worth of interest in one charge. All because I couldnt perform on the loan. This is way too much money for a collection fee. To make matters worse, they then send the agreement that says, they will only charge 16 % collection fee if I sign and perform on the collection agreements, otherwise its 18 %. The kicker is, they then choose who they want to sell the note too, and then the new company reserves the right to charge a collection cost on top of it! 

This has to be illegal! 

If you, as a an owner of a bank, are offering student loans, you are investing in a generation of people and a job market. The risk of the investment is lack of job opportunity, yielding limited repayment. Either way, as a world leader, the fringe benefit of your infrastructural investment is the educating of your population. 

The first chance you get, you dont sell the paper to a shell company, then charge outrageous fees once that person or people fall on hard times?!?! This is not how this business plan was originally built. It needs reform! 

What is the cap on collection costs? 

What are the rules for selling the debt? 

What does transparency in servicing options look like. No Deception! 

Please contact me with proactive or already in place regulations that will assist me with this companies attempt to collect a nearly paid off debt that they are trying to stock pile one-time insurmountable fees on top of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax want times and trying get a item removed from my credit file and they took more than 30 days and it still remains on my credit file and they refused to remove it and they have a police report on there system so I called today on XX/XX/2019 and they refused send me a credit report and gain access to my credit file and told I need top send in some documents which I already did back in XXXX ... and I have two fraudulent accounts which is XXXX XXXX card services and XXXX XXXX card and I provided a police report back in XXXX and Equifax refused to accept it and I haven't gotten a credit report from them ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
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: Account information incorrect

Complaint:
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, XXXX & Experian. No one will remove this inaccurate information form 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 explanation