BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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 lodged disputes with Portfolio Recovery and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, INC.
State: CA
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 called and tried to get the unauthorized inquiries removed and they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this 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 explanation
Consumer complaint received 2019-10-29
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Disbursement XX/XX/XXXX nct and Aes service provider. The original amount financed was XXXX and was a full deferral loan. The highest balance was XXXX. Since XX/XX/XXXX I have paid XXXX, and XXXX of the XXXX was intrest. Only XXXX was applied to principal. 

I have attempted to request amortization chart and receive nothing from them. I have asked AES a number of times how the intrest is caculated and what my interest rate is. According to AES my intrest rate is varible and is XXXX. I can not rap my head around how I have paid so much interest and how they have no paperwork regarding ownership or loan details. Also my paperwork loan repayment says 102 months repayment how is that possible when i have been paying since XXXX? 

I just submited a complaint a few months ago and All they sent me was my payment history. This is obsurd and I honestly feel as it they should send detailed loan information providing and supporting amortization and proper distribution of funds. The repayment plan is also incorrect. They seriously need audited and individuals need to be compensated their money back or have their debt resolved and forgiven. They can never provided documentation and if they send any correspondence it is never complete or is missing information or has non matching information. 

I hope my concerns and complaint is handled in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Benuck & Rainey, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While at work in XXXX  XXXX, I slipped on the floor and fell down in the medication room, landed on my left hip and left shoulder on XX/XX/XXXX. My co workers helped me to lift me up from the floor. I was sent to the employee health Department the same day, seen by the attending physician. I was sent for XXXX XXXX, I took therapy until XX/XX/XXXX XXXXXXXX XXXX XXXX has proof that the therapy sessions were approved which they sent me on my phone. I was told my sick leave that I have used during my XXXX XXXX hours will be reimbursed later, but my sick leave was never reimbursed. They made me close the case around XX/XX/XXXX in a rush, later I found out that my sick time will not be reimbursed anymore. In XX/XX/XXXX, I received a bill for {$2000.00} from XXXX XXXX XXXX XXXX. I tried to work with XXXX  and XXXX XXXX XXXX XXXX answered me stating that my case is closed. When they closed my case, I was not aware of this oncoming bill or loosing my earned sick leave. On XX/XX/XXXX, I received this letter from Benuck & Rainey , Inc. debt collector. Mean time I have requested XXXX to open my case which they rejected to open. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I hope and request your honorable office to do justice in this case in a humanitarian basis.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter from XXXX XXXX that was postmarked XX/XX/2017 that they were transferring the servicing of our mortgage to XXXX XXXX effective XX/XX/XXXX. We have yet to receive any correspondence from XXXX XXXX and our mortgage is due in 4 days. We have no account information to send our payment to. It is my understanding that we are to be notified of such a transfer at least 15 days prior to the effective date. I spoke with a representative at XXXX XXXX in hopes of getting my account information so that I could make my payment on time, but was told that they sent out Welcome Letters starting XX/XX/XXXX, again less than 15 days before the effective date. They were unable to provide any specific information regarding my account. 

Overall, our experience with XXXX XXXX has been subpar and my hopes for XXXX XXXX are quickly dwindling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: CITIBANK, N.A.
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:
Since XX/XX/2019 Macy 's Corp has used unfair and deceptive practices to commit a fraud on this complainant. Upon finally understanding the scope of this fraud legal counsel was contacted and he advised to contact the credit reporting firms and file complaint with the FTC. Upon inquiry, the CFPB appeared to be he government agency to contact. In summary, Macy 's is reporting that the balance has not been paid on the account. That is false. A check to them for the balance of {$32.00} was sent to them on a timely basis. They informed that they destroyed the check and seince then have continued to add late charges upon late charges driving the balance to a current total of {$170.00}. In addition, they have caused damage to my credit rating causing it to decline from a high of XXXX to XXXX. All the correspondence and details of this sordid matter have been fully reported to the credit reporting bureaus. They have now begun to harass me with having collection firms calling me on the matter. Worse, they wrote to me about providing a credit due to their error, but that was never realized. A through review of the correspondence, billings and payments will support my position on this matter. Macy 's needs to be prosecuted for their unlawful and fraudulent conduct. Please advise to where I should send copies of relative additional documents. I trust that the CFPB will find that their conduct has been unlawful and deceptive and find for this complainant. Sincerely yours, 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 2021-01-13
Company: EQUIFAX, INC.
State: MI
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 disputed a reporting on my credit for identity theft and XXXX  verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: MARINER FINANCE, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Mariners Finance is going into my report bureaus ( XXXX ) and putting inquirys on it behind my back, I have not applied for any loans through them, did that long time ago and they ripped me off so I learned a lesson they are underhanded and are allowed to do damage to others. 
I was receiving offers via U.S. mail, I would send them back telling them I am not interested stop mailing your garbage to my address, this didn't work, so I went online to a OPT OUT ALL IN ONE website and opted out of all junk mail coming to me, that didn't work, they still mailed me, so I emailed their main firm in XXXX MD and demanded they remove me and stop bothering me, they said they would, but now here 's this! they are going into my credit bureaus and snooping around, I never opted in to receive any marketing mailings from anyone of any sort yet these crooks wont leave me alone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 spoke with Capital one many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
applied online for Discover It student card. 

Denied reason : No credit record available. 

None used. 

It reads on the back of letter some thing is not right and or accurate. 

For a free copy of your credit bureau report contact : It's blank no credit bureau is listed or printed. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was told that I can not use my credit card due to too many payments. I often use my credit card because I dont like to use cash. In a 12 day span I made 4 payments. I recently made a payment that placed my account on a 26 day hold and I was told that the funds wouldnt be available until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Incomm Holdings Inc.
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX at XXXX I purchased a vanilla gift card and loaded XXXX. The purpose of the card was to let my son shop online to buy things. I tried to add card to his XXXX XXXX it said invalid card. I tried to check balance at the website it said invalid card. So I called customer service they said someone tried to hack my card so they locked it. They said we will mail you another card with the full amount on it and not to throw away a the original card I purchased. So today XX/XX/XXXX thr new card came in the mail. I tried to call number to activate they said it was an issue. I needed to speak to representative. I spoke to XXXX who could not explain to me why my card could not be activated he allegedly opened case the case number is XXXX. And he said I would be contacted via email in 5-7 business days I believe they are scammers and are stealing money from customers. I could barely understand them and I told them I believe they are scammers. How can a card the company mailed me not be able to be activated sounds like a scam and someone needs to look into vanilla gift card they are stealing money from customers and giving the run around about money. I have attached my original receipt. The card I purchased and loaded at the store and the card they mailed to me that didnt work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get 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 2023-07-15
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My problem begins with Chime bank this past XX/XX/, 2023 when I received an email from this bank telling me my account was putting on hold because I received a fraud deposit. I was very confused because my only 2 more recently deposit was my work direct deposit and my irs refund check, which I deposit tru the chime app at XX/XX/, 2023. I answer the email and asked what is the issue? After that the nightmare begins. I send every document the inquiry and I call with no clear answer. They just said they cant verify that documents. And they tell me they are not going to give me access to my account or give me my money back. Until this time no answer and I have no money or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : XXXX XXXX said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX  XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX 4.XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PO XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6.XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: The Outsource Group, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I asked MediCredit, Inc. to send me prove of the debt and asked them to stop calling me. The representative XXXX acted like she didn't hear me and talked over me. I haven't received anything about this so I do not know anything about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX 1. refuse to block accounts identified as ID theft after I submitted required documentation on 4 separate occasions.

2. refuse to provide full file disclosures after written request 3. Refuse to provide method of reinvestigation after written request 4. Refuse to provide documentation provided by furnishers to verify account after written request

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 2021-09-07
Company: Experian Information Solutions Inc.
State: PA
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 light of my new understanding of consumer laws, I've discovered that the credit bureau 's are in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 ( b ) ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( I've requested on multiple occasions for documentary evidence ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( I was never given the option to Opt-Out )

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 2021-09-07
Company: Fay Servicing, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2020 I was to make 3 trial payments of XXXX made those then signed loss mitigation papers to caliber for payments of XXXX on XXXX XXXX have made all payments then I got a statement from Fay servicing saying that they were putting my payment of XXXX in an unapplied fund now they are saying my payment is XXXX saying my payments are behind. Fay servicing would call my home when answered it was me would reply I can't speak to you at this time, have tried calling them but get nowhere at all I contacted caliber they said contract is valid and a copy was sent to Fay servicing as well. I'm trying to save my home from there reckless disregard

Company response to consumer: Closed with explanation