BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint bears on my previous complaint no. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) presented the same response that Fair Credit and Outsourcing ( FCO ) has presented to the Consumer Financial Protection Bureau ( CFPB ) to the banks that issued the credit cards and lost its cases simply because the rental application I signed is void as a matter of law. The application was rendered void because XXXX failed to disclose certain material facts it was required to disclose at the time I signed the application. Both the banks that issued the credit cards agreed with me and credited back the disputed amounts. 

Having been unsuccessful in convincing the banks, XXXX is now attempting to use FCO to convince the CFPB. In its response to my previous complaint, FCO did not address the issue of whether XXXX failed to disclose certain material facts when I signed the rental application, a failure that renders my application legally void. The facts that XXXX failed to disclose but that I came to know after signing the application are known to XXXX XXXXXXXX should have conveyed the nature of the credit card disputes to FCO, but it did not. 

In essence, the application I signed is legally void and I do not owe any debt to FOTA or FCO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Navient Solutions, LLC.
State: MA
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:
Since graduation in 2012, the payments made to Navient Student loans have been wrongly dispersed between 4 out of 6 accounts. Exact amounts were sent with the account numbers to go towards specific accounts. Every time the accounts were reviewed they have dispersed the money differently than where we indicated it should go. So, for 6 years now, going from Sallie Mae to Navient the different accounts have not been paid as the checks have directed. It seems to be a way for them to continue gaining interest not allowing a loan to be paid off. Just this month, 2 accounts were sent with the exact payoff amounts. When checked on, it was determined that they dispersed the money differently yet again. When calling to try and remedy this, the person on the line does not seem to understand the problem or puts you on hold and hangs up. Each account receives their payment each month. 

6 years of this. Something needs to be addressed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
After filing a complaint XXXX requested I submit an affidavit and police report for fraud. I did so and they responded that I am still responsible for the loan even though I did not sign for it or receive any documents pertaining to the loan such as promissary note. They have acknowledge they did not have ab accurate email address for me nor a signature. They are now asking that I resubmit a new affidavit and police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This Discover account has been reporting to my credit file since 2018. I have fi police reports with my local police department and an identity theft report with the Federal Trade Commission. I sent all these documents into Discover and they are still reporting this fraudulent account to the credit bureaus! This is crazy! I had my identity stolen and these people are still harassing me over what a criminal did in my name. Discover should have stopped reporting this account once they received my police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have used their service to send money to people for goods and services and i sold something through their website and they told me I would get my money today on XX/XX/19 to my bank account and i wake up to my account being closed and no money being in either my bank account nor my venmo account and they have not helped ..they have been telling me to contact the person who sent me the money and the money was last sent to my account and should have been refunded to my account if they we unsuccessfully able to deposit it ..which i am now short my {$800.00} that was sent using their service and i have no way to contact that buyer again as they closed their account as well as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For many years I have been receiving daily calls from Portfolio Recovery, despite having informed them they have the wrong number and I am not the person they're looking for, and repeatedly asking them to remove my phone number from any accounts or lists they may have on file. Although I have received a variety of responses from the caller ( from courteous to incredulous to rude ), they have yet to remove my number from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-27
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX  ( Original Creditor : 11 XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report.Account is listed as collection / charge-off. It's showing a balance of {$980.00}, per the FCRA this is a violation, balance should be {$0.00}. 

Date Opened : Inaccurate Balance : Should be {$0.00} Date Last Active : Inaccurate Date of Last Payment : Incomplete

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 2020-08-27
Company: Mid-America Accounts Control Bureau, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company originally contacted me via phone in early XXXX attempting to collect a debt for XXXX XXXX in XXXX, MO. I requested they verify the debt to me and to provide documentation. They provided no verification or documentation, and I heard nothing from the company until I found the alleged debt on my credit report in early XXXX. 

In early XXXX, I again contacted the company requesting verification of the debt. The first person I spoke to there told me they weren't required to provide any documentation or verification. I then contacted the state attorney general who confirmed for me that, in fact, the company was required to verify the debt and provide documentation. I contacted them again requesting verification of the debt. They told me they had no documentation of the debt, not even a copy of a bill, to show the debt was real. I asked for the collections statement to be removed from my credit report, but they would not do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
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: Account status incorrect

Complaint:
I was discharged from Chapter XXXX in XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX/XXXX  XXXXXXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXXXXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $   XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX   Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On Tuesday, XX/XX/2020 at XXXX CST, I called the Barclays customer service phone number, ( XXXX ) XXXX. I'd noticed that my current APR is 26.99 % and I asked if there was anything they could do to lower the APR, or if they offered any special programs that would help lower the APR. The customer service representative ( I can not recall her name ) told me that they could not lower the APR and did not offer any other services. I asked if there was a supervisor who could help me ; she told me specifically that it wouldn't matter if I spoke to a supervisor, because Barclays would not allow any adjustments to be made to the APR. 

Given my financial situation over the years, I've worked with several credit card companies ( XXXX, XXXX, XXXX XXXX XXXXXXXX, and others ) who not only have been willing to lower my APR, but have taken steps beyond my initial request and offered me additional programs and services that could help me reduce the cost of my payments. 

I find it absurd and, frankly, offensive that Barclays refused to offer any assistance.

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 2020-08-27
Company: LoanCare, LLC
State: RI
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:
Due to a COVID 19 hardship, I requested a 90 Forbearance on my mortgage loan with LoanCare LLC beginning XX/XX/XXXX and ending XX/XX/XXXX. My account was current as of XX/XX/XXXX and I have made my XX/XX/XXXX payment. I have been approved by LaonCare LLC for payment deferral of the three missed payments. 

LoanCare is reporting my loan as DELINQUENT to XXXX   and XXXX which has severely impacted my credit score! My account was current before the Forebearance and is now CURRENT and the CARES ACT prohibits mortgage companies from negatively reporting accounts that have requested forbearance because of a COVID 19 hardship. 

LoanCare says they will " look into it '' but it may take as long as 30 days to review. This is UNACCEPTABLE!!! My credit report and credit score are being held hostage by this company and they refuse to address it! I have spoken to no less than 12 people over the course of the last 10 days with no assistance.

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 2020-08-28
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have never authorized SageStream LLC to access any of my credit reporting. I have a freeze on XXXX, XXXX and XXXX   because I did have identity theft which I had to involve the police in the city I live in because someone was fraudulently using my information. I don't know who this sagestream company is and I don't want them, nor did I ever allow them access to any of my information and they refused to stop accessing my information without my authorization. They are impacting by reporting to my bank a low credit score over 200 points less than what my actual credit score is. They're providing information to companies that I have never submitted a request for credit through. This is fraudulent activity unauthorized by me that has to do with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from " XXXX '' for an auto loan. Upon doing some digging I found that this loan was obtained from an auto dealership. 

I have never done business with this dealership. 

Several bank accounts were opened in my name and used to pay for several fraudulent loans also taken out in my name. This loan was not authorized or used by me. I received no personal gain from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts on my credit report that do not belong to me. Please remove them from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: FISERV INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I sent the attached letter to Telecheck on XX/XX/2021 but the Post Office returned it to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Owning Corporation will not accept my refinance application because I own a business. This is discrimination especially in today 's environment where small business owners need the support and help of our financial communities. I more than qualify financially for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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:
Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report. 

I have two ( 2 ) student loans that are in default status, and XXXX is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this. 

According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX. 

They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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