BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-26
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CONN'S APPLIANCE HAS RECEIVED ALL THEIR MERCHANDISE FROM ME. CONN'S TOLD ME THAT WHEN THEY PICK UP THE MERCHANDISE THAT THEY WILL ACTION OFF ALL MERCHANDISE AND THAT I WOULD HAVE TO PAY THE REMINDER BALANCE ON THE ACCOUNTS. ONE OF THEIR EMPLOYEES THAT CAME AND PICKED UP MY MERCHANDISE STATED THAT CONN'S DOES NOT REALLY ACTION OFF MERCHANDISE THEY JUST THROW IT AWAY AND SAY YOU OWE THIS CERTAIN AMOUNT. SO I HAVE REQUESTED CONN'S TO SEND ME THE INFORMATION SHOWING THE AMOUNT THAT THE MERCHANDISE WAS SOLD FOR AND THE REMINDER AMOUNT THAT IS LEFT BUT THEY HAVE BEEN UNABLE TO PROVIDE THAT INFORMATION. THEY ALSO ARE REPORTING TO DIFFERENT LATE ACCOUNTS. ONE IS SHOWING AS REPOSSESSION ACCT#XXXX AND THE OTHER ACCOUNT IS SHOWING CHARGED OFF AS BAD DEBT ACCT#XXXX. THESE ACCOUNTS ARE REPORTING INCORRECTLY I HAVE TRIED TO CORRECT THIS WITH THE COMPANY BUT THEY WILL NOT WORK WITH. I'M ASKING THAT THE CORRECT INFORMATION BE PROVIDED OR EITHER ALL ACCOUNTS BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX  : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # 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 non-monetary relief
Consumer complaint received 2019-07-11
Company: AES/PHEAA
State: NV
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:
I was informed on XX/XX/XXXX that FedLoan Servicing who had handled my student loan had discovered a disbursement adjustment on a loan that was paid in full XX/XX/XXXX. The account has shown since XX/XX/XXXX to XX/XX/XXXX a {$0.00} balance. Once they discovered the error they posted a balance of {$220.00}. This amount however is not the the adjustment amount but it is the amount that was adjusted plus interest that was charged on that amount since I paid off the full balance on XX/XX/XXXX. I addressed with Fedloan how can you charge me interest from XX/XX/XXXX-XX/XX/XXXX with my account showing a {$0.00} balance the entire time. They stated they did not discover it until XX/XX/XXXX and I must pay interest on that balance. I was never informed of a balance or that I was accruing interest on the balance until after I have accrued over the 21 months. In other words they made an accounting error and discovered it 1 year 9 months later and I as the consumer I have to pay interest for the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: ERC
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:
Enhanced Recovery CO L is reporting an old debt from 2016 as a new debt to my credit bureaus. This incorrect information would cause the debt to report longer on my credit report than allowed by law and also has more of a negative effect on my credit score as making me appear more of a risk to lenders by seeing this as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
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 see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX2022 This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

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 2017-10-02
Company: SUNRISE CREDIT SERVICES, INC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my phone dozens of times per day. They refused to tell me who they are and they never leave voicemail messages with contact information, they just call repeatedly at all hours. When I try to block one of their numbers, they call with many other numbers. They are consistently rude when I ask for identification information, even hanging up on me and then someone else calling back minutes later. I finally got one person to tell me the name of the company and call-back info after I had confirmed with the original phone company that the bill came from, but before then I did not have a good way to verify who they were or that the debt was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I am a victim of ID theft, I have contacted them they refused to contact me back I request a block of this account according to Section code 605B Block of information resulting from identity theft ( 15 U.S.C.1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than ( 4 ) days business days after the date of receipt by such agency of : Beginning ( 4 ) business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) a check services company shall not report to a national consumer reporting agency described in section 6039 ( p ), any information identified in the subject identity theft report as resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear CFPB, I have one CD matured on XX/XX/XXXX at XXXX by Goldman Sachs. On XX/XX/XXXX, I had contacted this bank to give my order " Do Not Renew '', but this bank would n't take my order, saying just call on XXXX, so I did call today XX/XX/XXXX. 

This bank told me today, it would take 1~2 business days to close the CD Account and deposit it to my Savings Account. I had so many different bank accounts over the years, this is news to me. Goldman Sachs bank tries to drag this on, so that 10 day grace period is over, knowing there were weekend and holiday right after 23rd. 

If it drags on few more days, my CD will be renewed automatically against my will. 

This bank changed its name recently, so that they are separated from Goldman Sachs, just in case they are being sued. This bank is so out of control that I told them before, I will be closing my account as soon as CDs are matured. Even closing account is not easy anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a XXXX XXXX, XXXX, and XXXX XXXX card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX  XXXX  cards. I set up another payment plan for the XXXX  card which I am currently making payments on.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear XXXX mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.

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 2019-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Over the past several years my information has been compromised from a data breach from XXXX, XXXX, and most recently XXXX XXXX XXXX. I have placed fraud alerts on my credit file but yet I am still being victimized and now harassed by collections agencies concerning accounts that I have no clue about. When ask for Validation all they are able to send me are bills with my name on them or they will send me letters stating they have already addressed this matter with me and will continue to call, or write letters to me until this amount is paid. I have files police reports concerning this matter but yet the harassment continues.If the CFPB can not assist me in getting this matter resolved it leaves me no choice but to file legal actions against all parties involved in harassing me. I had to get a new back account because that too had been compromised. This has been going on for the past 7 years and these companies continual threats and negative marks on my credit report needs to stop and be stopped now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Chime Financial Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
At the end of XXXX and beginning of XXXX, I loaded money onto my chime card to pay bills and go on a summer vacation. The same day as my flight and my last deposit I got an email saying my accounts where closed because I violated deposit policy. I had a spending, saving, and credit builder account. I was under the impression that the more I used my credit builder account the more my credit would improve. So I made many/ if not all transactions with this card. I got mixed messages from chime saying I would be refunded then I would not. Most recently they are saying they are only refunding a fraction of my total balances. Theyve asked me to verify the funds I deposited and I did. But Everytime they email me its a different agent who repeats themselves. I need help. I do not want or will never do business with chime again, I just want my ALL funds back!!!! I am a XXXX  parent XXXX XXXXXXXX  and they should be ashamed taking people money like this. Where is the justice in these big companies taking advantage of low income people?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 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 a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2019-07-11
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 I bought a XXXX XXXX from Best   Buy for {$290.00}. This product was returned on XX/XX/2014. This is reflected on my credit report as a closed account. Accurate. On XX/XX/2014 I bought a XXXX XXXX from Best Buy for {$260.00}, and this was returned because I found out I might be deploying. This was returned on XX/XX/2014. This purchase is on my credit report as a charged purchase that was never returned and is incorrect. I have proof in the form of pictures from my online account through Best Buy that I was able to access, showing both purchases and both returns. But for some reason this company decided it was going to try to collect a debt from me that was returned in full. This has been negatively dragging down my credit for years. I have tried to rectify this issue with the company and all they do is give me the run around with no easy way to get this remedied. The people that I am speaking to can give me no answers. I submitted a dispute through XXXX providing the proof of this error and it came back as verified as accurate. So with no other means at my disposal I am coming here.

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 2019-07-11
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My account was fraudulently charged multiple times for months by non-existent foreign companies. I unfortunately didn't pay close enough attention and it took me a while to realize how much. Some transactions were months old but some had just occurred. Because I didn't report it when it first started happening they refuse to help me. The charges are several per day and in some instances there were as many as 5 in a day for the exact same amount to 5 different companies. It was obviously fraud but PNC Bank won't help me and in fact have charged me over {$1000.00} in fees this year. They are profiting of their inability to keep my funds safe and there seems to be nothing I can do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NJ
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 Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment XXXX XXXX Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$240.00} Terms NA Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX 30 Days Past Due

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My house was broken into several years ago and I've been having problems with ppl using my ID to obtain things for years. Pls make this all go away!

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 2017-09-30
Company: EQUIFAX, INC.
State: TN
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:
Sent communication to XXXX XXXX reporting..no response. disputed classification of debt accounts. XXXX is a credit card ... XXXX mortgage is our XXXX Mortgage ... XXXX mortgage is XXXX back is real estate mortgage ... Car note is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX Bank loan is a real estate loan, it is wrongfully reflected on the credit analysis. Credit analysis groups it with credit card account XXXX revolving ) ... that is the error. 

XXXX XXXX XXXX XXXX for the car note is misspelled account. 

Credit inquires is wrong ... XXXX XXXX we bought a car and financed it. 
There were several inquires on XXXX XXXX within the same day, same hour, requested by XXXX XXXX. This should be grouped together as a single inquiry as we were shopping interest rates ... XXXX XXXX advises it is for XXXX purpose car purchase. Please amend to show XXXX inquiry. 

The XXXX collections ... this payment was delayed due to medical code error on the bill. Medical office resubmitted to insurance company. It was for a XXXX XXXX operation total cost of XXXX was over XXXX XXXX. This was a billing error by medical provider. Paid when agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2022-04-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: TransferWise Ltd
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I transfer XXXX USD to my account on XXXX but I put the wrong account number. Since they didn't deposited the amount yet I want to change the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I consolidated my loan back in XX/XX/2017 with DEPTEDNELNET. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDNELNET.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CCB Credit Serivces, Inc
State: MD
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 a Hard Inquiry I never authorize. My score drop nearly 50 points. Please have it removed and restore my credit.

Company response to consumer: Closed with explanation