BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-22
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A fraudulent medical debt has been placed on my credit report by a company named Capio partners the original debtor is XXXX XXXX XXXX XXXX. THIS FRAUD DEBT was placed on XX/XX/XXXX with out me being notified of this debt also my credit score has took a few tremendous hit I want 100 points added back to my credit immediately and to be compensated for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: Caneel Capital, LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
At the end of XXXX my husband and I paid off our mortgage which was held by XXXX XXXX XXXX. This total we paid was part of an earlier government modification. Mortgage was considered paid in full. In XXXX of XXXX we received a notice of foreclosure from Trinity Financial Services , LLC, a company I have never heard of. They did not have any information to give me such as an account number, dates of any transactions ( withdrawals or payments ). We had to retain a lawyer to the amount of several thousands of dollars to stop this foreclosure. Our attorney has requested documents to support this loan on several occasions with no resolution. On 2 occasions Trinity has sent me paper work asking for account numbers and social security numbers from me, which I will not provide. In XX/XX/XXXX I filed bankruptcy due to a predatory con man and all debts were discharged in XX/XX/XXXX. No where in previous paperwork does Trinity show up as a person I owe monies. Every time my lawyer has to contact this company we have high bills to pay. They have had 16 months to provide proof of loan and have not been able to. They should have to remove this debt from the system and be forced to remove the lien they have attached to our home. We feel this is a predatory loan company which has no validity in the claim against us. The name on the loan they are showing is XXXX XXXX XXXX. They have received several letters from our attorney XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CARVANT FINANCIAL LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I recently filed and have been discharged from bankruptcy. Carvant was included as well. The vehicle was going to be re-affirmed but after speaking with the trustee and my attorney they thought is was best that this vehicle is surrender so that I could have a fresh start. Now the problem I am having is that Carvant will not honor this bankruptcy and the discharge that was given. They will not update the information on all three reporting credit bureaus. They are contesting that they do not know anything about the bankruptcy. 

The vehicle was surrendered on XX/XX/2019 so I am so confused at what they are fighting for? The discharged was granted on XX/XX/2019. 

I have spoke customer service at XXXX and XXXX and they both are stating that carvant concludes that this account in past due and that they where not included in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Nelnet, Inc.
State: KY
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: Billing dispute for services

Complaint:
I attended this college with graduating with an XXXX XXXX. When enrolling it was stated and promised that Anyone could transfer credits at anytime so if I decided to continue my education at another college that offers XXXX Id be two years ahead of the game. I originally enrolled early XXXX. Which I was charged for being on day 3 in my 3 classes, which is the 3rd week since each class was only one day a week. They refused to help me. I was 4 months XXXX and on the verge of XXXX  my child. They made me either drop out and pay before coming back or fail and pay towards loan. That was my only two options. I chose to fail so I could come back after my abrupt medical leave. Went back re enrolled XXXX, same statements and promises applied with transferring credits, and promised landing a job right after graduation or sooner with the degree earned. I finished in XXXX graduated and since I was hired through my internship I never got to find out myself that they didnt help others. However, almost XXXX dollars in debt later. My credits dont transfer to any other school. Going back Id have to start all over unless I went back to The same school. Which now its closed permanently and the next one is no where close to me. XXXX was being sued by common wealth of KY a few years ago for the promises made to the students who attended between XXXX and a few years later for false information. I now have almost XXXX in debt to go nowhere. I cant get another loan to start all over again. I cant afford that. 2 years wasted with a degree thats just a piece of paper. I dont think its far I owe all of that for a piece of paper. Department of education/nelnet should consider an early forgiveness since common wealth suing didnt help the students who were effected by this. I want to be set free from this loan that is useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: DISCOVER BANK
State: KY
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:
The payment was issued to Discover on XX/XX/2019 via my online bill pay feature that my employer has attached to my payroll card. XXXX issued a paper check to Discover for {$200.00}. The check was received and cashed by XXXX XXXX XXXX, an Agent for Discover. Proof has been supplied to Discover, yet they have claimed they can not locate the payment. Interest, fees and my account is now closed, as well as it affecting my credit report has all transpired due to this missing payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15
Company: Experian Information Solutions 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:
THIS ACCOUNT WAS OPEN fraudulent I AM A VICTIM OF identity THEFT AND THE COMPANY SAID MY CLAIM WAS DENIED BECAUSE MY INFORMATION MATCHED MY address, someone STOLE MY identity AND I WAS NOT THE ONE THAT OPENED THIS ACCOUNT, I HAVE SENT THIS COMPANY A COPY OF THE POLICE REPORT AND I SENT THEM A COPY OF MY FTC REPORT AND THEY ARE NOT TAKING CARE OF THIS fraudulent 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 explanation
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
So I am working on my credit I'm trying to repair it. I have little debt but its various not all of my credit report well I was taking out a personal loan of 10 to {$15000.00}. I looked up various loan places I applied but then I got a phone call from a place claiming to be XXXX XXXX I had been familiar with that company had taken a few payday loans in the past he said I was approved for {$10000.00} so he had me go on my email open up something that had the XXXX XXXX logo on it and sign in my credentials on my end so this way he can send it to the lender they would give me {$10000.00} he was going to call me back in 45 minutes 2 hours later he calls me back and says that my credits to low that I need to send him XXXX send it back and then send it to an XXXX woman 's name on XXXX needless to say he sent XXXX to my account with a reversible transaction my account was locked from Chase Bank I called they had me call XXXX and XXXX to run virus scan on my internet change my email and my bank login credentials I did all of that. Stop it from being a reversal the lady from the bank. So needless to say I wake up in the morning and he still got six transactions of {$500.00} out of my account and I still can't get in touch with Chase Bank he also was threatening me and calling calling me an American XXXX XXXXXXXX saying all kinds of crazy stuff that he's going to ruin my XXXX check and make sure my license gets revoked all this stuff and needless to say this happened last night and it's XXXX the next evening and I still haven't heard from Chase Bank and I'm so scared because I had thousands of dollars in my account and now I'm down {$2000.00} overdrawn my entire family passed away a XXXX year old single mom the daughter with a XXXX XXXX I'm trying to do my best and he just XXXX everything up for me don't even know where to begin or what to do but I'd like everybody to be aware of companies claiming to be cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it is a scam and I am not stupid all 's I did was quick awake sign into my login credentials and that guy got in my account even though I had everything changed these people are not playing these days they'll rob you will take your whole life away also threatening screenshots from the conversation through text I have the fake loan agreement I have him taking and putting the money out of my account I have my account dropping and how much I had a nap so much evidence it's actually a good thing it was on XX/XX/2022 all the way until today XX/XX/2022 and I still haven't heard from Chase Bank and I'm tired of this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was in a XXXX XXXX XXXX XXXX store around the end of XX/XX/2019. I bought something and a store member asked me something about a rewards card. I said ok. They asked me to say my social security number to a representative. Around two weeks I got a credit card. I did not know why I had a XXXX XXXX XXXX XXXX credit card. 
I read the letter it said I can get my credit card closed within 30 days if the credit card was opened by telephone and I dont want the card and the charge on it will also be wiped out. I called then once. They argued and said it was not possible to do that. Basically I told them there I will pay off the card and requested they close my account because they were difficult and wouldnt follow the rules. I later called back because it was not closed after I paid off my balance. I asked them to again close the balance. I think they said ok. A month later I complained through their internet portal, and they gave me an response in the attachment. I looked today, my website still shows my credit card as active. The purpose of this complaint is to See if my credit card account with XXXX XXXX XXXX XXXX closed or if it isnt can I please get it cancelled and removed, because I believe I did not compliantly and with knowledge open this account, and they did not do their job properly in every sense of the way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.

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 2019-06-19
Company: Phoenix Financial Services LLC
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:
Phoenix Financial Services Refuses To Validate Debt Belonging To Me, Phoenix Financial Services Also added additional debts to my credit report for the amounts of {$450.00} {$1600.00}, XXXX, and {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems , INC is reporting a debt of {$1800.00} from the original creditor XXXX XXXX XXXX. I was not notified of this debt prior to it being reported to credit bureaus. I have also requested validation of debt or a contractual agreement that this debt is owed and have not received any communications from creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
AFTER REVIEWING MY ANNUAL CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY CREDIT FILE. PLEASE BE AWARE THAT THOSE ACCOUNTS WERE PLACED WITHOUT MY KNOWLEDGE AND ARE REPORTING AS DEROGATORY ACCOUNTS. I URGE YOU TO PROMPTLY UPDATE YOUR CREDIT RECORDS AND CORRECT YOUR REPORTING INACCURACIES ON MY CREDIT FILE FOR I NOT LONGER LIABLE TO THOSE DEBTS. 
I DISPUTE THOSE ACCOUNTS IN ITS ENTIRETY AND I KINDLY ASK THAT THE NEGATIVE ENTRIES YOU'RE REPORTING BE INVESTIGATED AND DELETED FROM MY REPORT AS SOON AS POSSIBLE TO PREVENT ANY FURTHER DAMAGE ON MY CREDIT FILE AND OTHER ENTRIES SUCH AS LATE PAYMENTS OR CHARGE OFF SHOULD BE PURGED FROM MY CREDIT FILES.

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 2019-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I received a letter from Equifax dated XX/XX/2019. It had been sent to my previous address as I had just moved in XX/XX/2019. The first sentence of the letter stated, " As you requested, we successfully placed an initial fraud alert on your Equifax credit report. '' I am not aware of anyone, including me, requesting an initial fraud alert. I called Equifax to inquire about the meaning of this letter, and to update them with my current address. After answering security questions for 15 minutes, they told me in order to explain the letter to me, I would need to mail them a number of documents including copies of my Social Security card and my Driver 's License. I felt it was unreasonable to be asked to submit documentation simply to have them explain a letter they sent me. I am hoping you can help me to find out what this letter is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: AES/PHEAA
State: NY
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:
HI I WAS A STUDENT A XXXX XXXX XXXX, SINCE I GRADUATED, IT WAS TO DIFFICULT TO FIND A NJOB BECAUSE IN XXXX THEY SAID IF YOU DONT PAID THE LOAN YOU WILL NOT BE ABLE TO GET YOUR DEPLOMA SO I WAS WORKING ON A FAST FOOD RESTAURANT AND THE MONEY THAT I MADE IT WASNT ENOUGH FOR ME BUT SINCE I DIDNT HAVE NOT DEPLOMA AND NOT OPTION TO GET A BETTER JOB, MY LOAN WAS GETTING OUT OF CONTROL IT WAS ONLY XXXX YEAR XXXX   DEGREE AND ALMOST XXXX IN LOANS AND I DONT KNOW HOW? SINCE THAT DAY I NEVER WANT TO GO BACK TO COLLEGE BECAUSE I WAS AFRAID, I NEED HELP PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
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:
I have sent two request to remove an inaccurate item on my credit report. Once on XX/XX/XXXX and again on XX/XX/XXXX of 2018 I have received a response both times stating that its valid and verified. On the second letter I requested for them to let me know method of verification because I know that I didnt not have a loan out and the item they are reporting monthly is not accurate and my rights are being violated. I have not been sent anything showing how they verified or investigated

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 2019-06-19
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I attempted to have XXXX XXXX installed at my home. The company ran into problems connecting and after several attempts I said forget. The equipment didn't work on all of my systems so there was no use. I spoke to several people there and was told to take the equipment to XXXX and they would pack it up and send it back to them. I than purchase the system from XXXX XXXX. I was told that XXXX would pay for any disconnect fees. WRONG In XX/XX/XXXX my credit took a dip and after checking it out I found that XXXX XXXX  had sent the fees into collection. I have no idea what game is being payed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Notified by XXXX XXXX that they were unable to pull my Equifax credit report. They were successful in pulling reports from XXXX and XXXX. I contacted Equifax and they tell me they could not locate my credit data file. I am XXXX years old. I have had a credit file since approximately XX/XX/XXXX and suddenly it doesn't exist with Equifax as of sometime in the past year! I have had no difficulty accessing my Equifax credit report in previous years. I have had a Fraud Alert on my account for several years and have successfully lifted the freeze numerous times -- most recently XX/XX/XXXX-XX/XX/XXXX. I have always been able to use my PIN # to lift the alert online. Now, I am unable to lift the fraud alert with my Equifax account. I have tried unsuccessfully lifting the alert online, by the automated phone system as well as the phone app. I have spoken to several Equifax representatives over the past 2 weeks with no success getting to the root of the problem. Most recently I was told that even though I gave them my PIN #, I would need to mail/fax a copy of my driver 's license and social security card to them before they can help me. I am in the process of purchasing a new home ( within 10 days ) only to find that I am unable to apply for credit for appliances or more importantly apply for homeowners insurance ( they will run a credit check ) as well as set up utilities. What am I supposed to do while we wait for this to be resolved. The customer service representatives kept referring me back the website or automated phone systems to lift the alert! It doesn't work!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
REGIONS BANK Contact XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$11000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2019-06-19
Company: Northeast Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX sold the debt to a collection agency who is using hostility and aggressiveness to settle the debt. They are contacting family members and relatives without my permission, and also my previous employer after I asked them not to contact them. They are also using tactics by saying that there is a pending complaint or suit against me in XXXX county, and that they researched my employer and relatives that I did not put on the application to try to reach me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation