BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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: Overcharged for something you did purchase with the card

Complaint:
I rented a vehicle from XXXX while on vacation in XXXX. The charge was supposed to be for {$180.00}. However I was charged {$530.00}. I contacted my financial institution, First National Bank, to file a dispute. They opened up a case and asked me to submit information, which I did. A couple weeks later I received a letter saying they closed the case. When I called to ask why the case was closed they said more information was needed and they would open it back up if I sent in the additional paperwork. So I submitted the additional documentation they asked for. After calling the second time, I was again told that even more, additional documentation was needed. Again, I submitted more documentation. This same process whet on for two more times over the course of 3 months ( they wouldn't accept anything over email, it had to be sent through the US mail each time ). Each time they kept coming up with new, additional requirements. From talking with the representative at First National Bank it became clear she was trying to avoid having to contact VISA. She made me spin my wheels for months in the hopes that I would just give up and she wouldn't have to go through with the dispute process. Now I am stuck with no way to recover the funds because First National Bank refuses to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: NC
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 disputed the incorrect information that Equifax is purposely continuing to report negatively on my credit reports, stopping me from being to buy a home. Because Equifax is still reporting the closed accounts in which I have paid in full they are still reporting 120 days which has dropped my credit score 50 points. These student loans are closed and paid in full. I have spoke to the original debtors and they told me that they have not reported in over a year since the accounts were paid, so it is Equifax who is the ones reporting negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: EQUIFAX, INC.
State: WI
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:
Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: National Enterprise Systems, Inc.
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I took out a private loan with XXXX XXXX for my daughter when she was in college at XXXX XXXX for {$12000.00}. I took out the loan in XXXX made regular payments for an original loan amount of {$12000.00} beginning in XXXX XXXX when the loan was charged off by XXXX XXXX XXXX XXXX on XX/XX/XXXX due to my bankruptcy filing in XX/XX/XXXX. 
The bankruptcy was dismissed in XX/XX/XXXX. Except for that time I have paid faithfully every month. So, why is the amount I owe basically higher. 

At one point, the account number was originally XXXX. Then it was changed to XXXX. I have not been credited for all payments to both accounts. 

I am sending two correspondences from NES. One dated XX/XX/XXXX with a balance of {$17000.00} and another dated XX/XX/XXXX with a balance of {$17000.00}. What happened to all my previous payments up until XXXX and my payments since XXXX-present? 
I have proof of payments, so my balance should be much lower. 

I sent a letter asking for a printout of ALL payments for this account, but only received the letter stating the balance.

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 2018-11-05
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: ERC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: SYNCHRONY FINANCIAL
State: MS
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:
Finance charges are not DECREASING on a consistent basis. Payments of {$90.00} per month are made to this account on the company 's payment due date, XXXX of each month. Automatic Payments are controlled by the company. Payments are higher than the minimum due. NO NEW charges. Have contacted the company by chat on several occasions and they do not acknowledge a problem. 
Finance Charge Statement Date Balance Monthly Daily Days XX/XX/2018 {$2100.00} {$49.00} XX/XX/2018 {$2100.00} {$50.00} {$1.00} XXXX XX/XX/2018 {$2100.00} {$49.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$45.00} {$1.00} XXXX XX/XX/2018 {$2000.00} {$48.00} {$1.00} XXXX XX/XX/2018 {$1900.00} 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 monetary relief
Consumer complaint received 2018-03-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I  check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.

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 2018-09-08
Company: Nelnet, Inc.
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:
In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Hello, I XXXX XXXX XXXX XXXX XXXX filed a dispute on my credit report and it is taking more then 30-days to complete this dispute. I was sure after Experian notified the companies of the accounts I was disputing, must respond within 30-days or the items will be removed from my credit report. I filed this dispute on XX/XX/2018. I several accounts still pending investigation.?? that is not right. 


XXXX XXXX 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 2018-11-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its 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 2020-08-22
Company: CORELOGIC INC
State: NM
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 did not apply for a house and Credco ran my credit without consent.

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 2020-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME OR AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been trying to use XXXX to link my pnc checking account in a mobile investing application called XXXX and have not been able to log into my pnc account because of an undisclosed bank discrepancy. Please work as a liaison between pnc & I to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: LCO Financial Services, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My wife and I have gotten into a nasty cycle of payday lenders. We currently have two loans with Blue Trust Loans, aka Hummingbird Funds , LLC, one for my wife and one for myself. 

My loan was originally for {$2000.00}. The paperwork states that the APR is 406.57 % and that by the time I have repaid the loan, I will have paid {$7100.00}. When I make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. I have only made the initial payment at this point, at the end of XXXX, for {$520.00}, with {$37.00} going to principal and {$480.00} going to interest. 

My wife 's loan was originally for {$400.00}. The paperwork states that the APR is 732.74 % and that by the time we have repaid the loan, we will have paid {$1400.00}. When we make a payment of {$730.00}, I pay {$680.00} toward interest and {$49.00} toward the principal. We have two payments remaining. We have paid {$890.00} so far.

This is, as you might imagine, unsustainable. It has also come to my attention that these interest rates are far higher than what is legal in the State of Colorado, as well as the fact that they are not licensed to do business in the State of Colorado. 

I have put a stop payment on these payments until I can get something figured out, but I was advised to contact your office. This is very time-sensitive, as the screenshots I will send you indicate that they plan to submit the full balance of the loans to our bank at the end of the month, and those payment amounts are not covered by the stop payments we authorized with our bank. Please help.

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 2018-09-08
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I noticed my credit score drop due to a mysterious collection account. The account was from CCS Financial Services, and said that I owed {$89.00}. 
I have never had an account of any sort with CCS Financial Services. This debt is not my debt, and I don't owe your company anything. No contract was never established with your company. This debt is erroneous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?

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