BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX. 

Pollack & Rosen is the attorney for the plaintiff, and the pretrial conference will be on XXXX at XXXX XXXX 

I logged into that XXXX XXXX account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the XXXX XXXX account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus.

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last XXXX digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to XXXX XXXX XXXX, so XXXX became a dead end. 

XXXX XXXX Pollack & Rosen account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account. 

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in XXXX weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference. 

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Florida Financial Management dba Lend A Dollar
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2023 I contacted Lend a Dollar through text message because it is the only way they respond. I told them I revoked their right to take any money from my account at anytime. That I would make other arrangements because my checking account was compromised. They still took the money on XX/XX/2023 in the amount of XXXX. Then I send them the revocation again and they finally acknowledged that I sent that on XX/XX/2023 and that will continue to present a check for money until I make other arrangements but I can't do that till I get my checking account fixed so they are saying they will take another XXXX on XX/XX/2023. I have all the text messages from someone named XXXX at Lend a Dollar. While in my account with them there is no address, phone number or email address for the company.

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 reported unauthorized charges on my account alerted fraud. {$1700.00} and XXXX XX/XX/2023 reported unauthorized charges on my account fraud {$400.00} Wells Fargo credited amounts than 30 plus days later decided to freeze my accounts and overdraw my account and refuse to investigate. Then they closed my account ( 13 year customer ) refused to honor {$47000.00} cashiers check Wells Fargo called Adult protective services on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an account with Capital One credit card. 
I just found out that they have been charging me interest on a cash advance from 4 years ago. And the only way I can get that taken off my account, the cash advance, is to pay off my entire balance. 

Granted, if I'm being overcharged, it hasn't been a huge amount at {$5.00} to {$6.00} each month since the 2019 withdrawal. But while I have made late payments for the past couple of years due to lack of reliable income ( I'm a freelancer ), I have been doing my best to keep up. My balance at the moment is about {$2800.00}. I don't know if I'll ever be able to pay that off unless somehow I can get regular employment. 

But, the amount I've paid in interest fees on this, by now, is about the same amount as what I withdrew. I don't see that it's fair that I can't pay off the cash advance when I'm making payments. There probably is no recourse, but it just seems like a very unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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 needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible please. 

XXXX XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 monitor my credit score using free online services. These services showed that one of my credit card companies had reported an incorrect balance for the month of XXXX. It should have been XXXX. This caused my credit score to go down 5 points. I filed a dispute with each of the credit monitoring companies : XXXX, XXXX and XXXX. XXXX fixed the problem, but after a month of waiting for XXXX  to correct the error, their results showed a different incorrect amount instead of XXXX. They told me that's what the credit card company had given them. I always pay in full each month. And when I requested that the credit card company send me a statement for XXXX, they emailed back saying that there was no statement for that month because there was no activity and a balance of XXXX. Added note : The card in question is in my husband 's name with me as an authorized user.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a Late Car Payment in my credit files that I would like to have revised. 
I purchased the vehicle in XXXX  before loosing both my businesses. During this difficult time that Late payments are reported, I was going through a very difficult time and with XXXX kids and loosing our income, I became disorganized with respect to making timely payments. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the 3 late car payments, i have been punctual. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. I am requesting that you give me a second chance at a positive credit rating by revising those reportings. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption. I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

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 2023-08-17
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our loan was transferred to Specialize Loan Service from XXXX XXXX on XXXX/XXXX/203. We had made several large payments to the principle prior to the transfer. Our statement close on XXXX/XXXX/XXXX  reflected the payments. We did not receive a statement close in XXXX and I called and they could not tell me why. They had also reversed a {$22000.00} payment we sent and said it was not ours and it was misapplied. We were told we had to send them proof. We did. There is still no resolve and they have not fixed the issue an want to bill us interest to pay on the {$22000.00} they say we owe. The service department told us today that yes the have to payment info but nothing has been done. It is has been almost XXXX months. We still have not received a statement from XXXX. We are still being billed the interest and finance charges on the XXXX which is over {$600.00}. We are at a loss on what can be done. I have emailed the CFO of the company as well. I believe they are dragging their feet for profit.

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 2019-01-14
Company: SYNCHRONY FINANCIAL
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:
XXXX Master Card - {$1000.00} They closed the credit card completely was current on payments.

XXXX Card - {$250.00} They closed the credit card completely was current on payments. XXXX XXXX Card - {$1000.00} - They closed the credit card completely was current on payments. Lowe 's - $ -XXXX- They closed the credit card completely was current on payments.

Wal-Mart - {$50.00} They lowered the credit amt from {$600.00} to {$100.00} this acct is still open. XXXX XXXX - {$200.00} - They lowered the credit limit from {$800.00} to {$300.00} I was current on payments.

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 2023-08-15
Company: Fig Tech 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: Account information incorrect

Complaint:
Fig Tech Inc ( XXXX ) is reporting derogatory information regarding a loan account to ALL XXXX of my credit bureaus. I mailed Fig Tech Inc certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Fig Tech Inc . Fig Tech Inc claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a signed contract for the loan account account. Fig Tech Inc refuses to send me the request signed contract. The only thing Fig Tech Inc has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the loan account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Fig Tech Inc 's website, the website also makes reference to there being a loan agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported loan account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi Bank again same time as last year cut my credit card limit by over XXXX XXXX XXXX  within two days of paying it off. I am accountant I use my cards through the year and pay them off during tax season, I have never missed a payment nor been late. I make over XXXX XXXX XXXX XXXX  a year, there is no reason to cut my limit so drastically without any warning and right when I pay it off. This continues to hurt my credit score rating and my life by showing my credit limit needs to be cut when in fact it doesnt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
After noticing Midland Funding LLC was on my credit reports I immediately sent a debt validation letter to them as they have no valid account with me. They do not own this account and I am not sure why they have my information. After two months have past of sending a debt validation letter that was certified, I have not received any correspondence from them. Midland does not have any valid information nor have they communicated anything to me after properly sending a correct communication. This is illegal and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

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 2020-02-28
Company: Experian Information Solutions 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 CONTACTED XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. 

several inquires and application has been applied using my personal info i did not give consent nor did i give consent to open any accounts or loans

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 2018-02-06
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-08-17
Company: EQUIFAX, INC.
State: CT
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: EQUIFAX, INC.
State: MA
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:
CLAIM # XXXX letter states it will be removed, it has not been done and my complaint started in XX/XX/2019 and then they said it would be removed from all the credit bureaus and as of today, it is not. then when I have XXXX called them to verify this they run into the problem of they ( XXXX/XXXX ) can not talk to them ( XXXX ) it is just a big run around between credit companies and 3 bureaus. and this is our lives they are playing with. I have been turned down by so many companies because of this and no body does nothing at all about this problem. including this consumer financial. they get paid to take down the notes and pass you along.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans are in an income based payment plan. My husband and I re-certified and a customer service agent informed us that if we sent in my husbands paystubs by the end of the week, the low payments would continue at we would stay on the payment plan. This was in early XXXX. Unfortunately, this was not true. After calling in multiple times and receiving different information, we were told that it would be processed the week of XXXX. We were also told to put our loan in forbearance while the IDR was being processed. We were also told to just not pay XXXX and take auto debit off. We also received multiple emails with different payment amounts over the last few weeks. 

Once it was processed, the effective date was XXXX. This caused two problems : 1. A lapse in IDR caused around {$9000.00} in interest to capitalize. 

2. Our XXXX payment is over {$1000.00}. 

Nelnet 's practices are both unfair and deceptive.
Nelnet should have all the respective documents so I will not be submitting any. Lastly, when you call Nelnet, they inform you " If you received multiple statements, please disregard the second one. ''

Company response to consumer: Closed with explanation