BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: Duvera Billing Services, LLC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They are garnishing my wages and getting almost {$500.00} a month. 

My husband lost his job and we can not afford this. I have been trying to work with them to reduce the amount of the garnishment and am willing to pay them half directly, but they will not work with me. 

We will be forced to file for bankruptcy and then they will get nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Lowes Home Improvement, managed by Synchrony Financial, automatically lowered my score based on some faulty algorithm. I had a credit limit of {$8100.00} & because I was nine days late on my payment they erased my credit limit. 

Thus, the decrease in the availability of credit, in turn, also decreased my credit scrore negatively. They are unreasonable & blame it on the credit bureaus. I spoke with Manager, XXXX # XXXX & Operations Manager, XXXX # XXXX to no avail. Horrible business practice by Synchrony & Lowes.  I have been a customer since 2015.

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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
The credit card was closed on XXXX XXXX by the company. The balance owed at that time was estimated to be around {$600.00}. I have made a payment on the closed account every month. What I'm noticing is that the minimum payment is going up, late payment is charged along with interest. It appears that after an entire year of making payments, what I owed will never be paid off. I actually owe more. 

When I contacted the credit card company they explained that I will continually be charged interest on the amount owed and the minimum payment amount will change ( go up ) based on the balance owed and late fees will be charged when I don't make the full minimum payment amount. 

Well that sounds to me like the account isn't closed. They are treating this account as an active account. Plus they reported some of my payments as late payments to the credit bureau. I need a set minimum payment amount under {$75.00} to pay every month on this closed account. After all when the account was active the minimum payment was {$25.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The creditor listed below have been notified and state they are not re-reporting any of the information listed on the credit file, but Equifax keeps re-reporting the items listed below after removing them years ago as a result of identity theft. Between XXXX and XXXX, Equifax removed at it leisure, the accounts listed below after receiving all the legal documents necessary to prove identity theft. After removing the items, years later in XXXX, Equifax reinserted the items listed below without even notifying me before doing it. After contacting Equifax to correct the issue, their employee tells me i have to file a dispute on these item that have been reinserted into my credit files years later. This practice by Equifax is illegal. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
XXXX My account would not allow me to use any of the application features so i reached out to customer support. I was told that the matter would be escalated to another and that I should receive an email by the end of the day. 

XXXX I had not received an email so i reached out to customer support on the app only to be told the same. I then called customer support only to be told the same but also that I would have an email back by the following day at the latest. 

XXXX I had still not received the email so I reached out again through the app and was told that I still could not be helped and that they had no update. 

XXXX I received a direct deposit from my employer and then an email and text saying my account had been suspended due to suspected fraudulent activity and that it would be unlocked in 24-48 hours. Again I reached out to the provider through the app and was told the same thing that the text told me. 

XXXX I received a text saying my account was unlocked and it could be used but when i attempted to use it I had the same result of when the account was suspended. Again I contacted customer support, but I was told they could not help me. 

XXXX I contacted customer support again through the app and searched for alternative means of communication since they were not taking phone calls. I had no successes and was again told by customer support through the app that I can not be helped. 

XXXX Again I contacted customer support about the same issue and again I was told that I can not be helped. I still have not received the email I was promised would take no more than 48 hours.It has been 72 hours since I was told I would receive an email. It is not in my spam or junk mail and was not overlooked. The correct information is on file. 

During the course of my patience with this provider, I have had bills due and my children at home hungry. I have voiced this to the customer support but have not had the case escalated or rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notification that a $ XXXX balance was posted to my credit report from a company called Penn Credit Corp , attempting to collect for XXXX XXXX XXXX. This was surprising, since I have not even lived in XXXX for 5 years and had always paid my XXXX bills on time. 

Penn Credit Corp and XXXX have not been able to prove to me how I incurred these charges. My account on XXXX 's website doesn't even work anymore, so I have no way of checking myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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:
To Whome It May Consern : This Letter Is regarding account XXXX XXXX Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Navient Solutions, LLC.
State: CA
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:
I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX are still reporting on a closed account after more then 180 past day... 
They are trying to keep generating interest and charges fees... 
They told me they would charge this account off and they still not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 a hard inquiry on my credit report that I believe to be fraudulent and I would like it to be removed. The date on the inquiry is XXXX and its from COAF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I got know about this in 2 months, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was {$0.00}. 
On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity in XXXX  credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a request of documents from the bank so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Cap. One it was on XX/XX/XXXX and they transferred me to recovery department, the representative ( the name was XXXX ), promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account. Up today I no any information from anybody. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified by the XXXX County Tax Assessor-Collector that Dovenmuehle our mortgage co. failed to pay the following expenses from my escrow account : XXXX Property taxes of {$7700.00} ; now {$8300.00} because they are past due. 

I emailed XXXX XXXX XXXX ( attention tax department ) and attached the bill on XX/XX/XXXX when the matter 1st came to my attention. I also called Dovenmuehle re : the unpaid taxes on XX/XX/XXXX. I called again on XX/XX/XXXX and the representative told me the matter was to be resolved by XX/XX/XXXX. I called again on XX/XX/XXXX and spoke to XXXX because the taxes were still outstanding per the HCAD website. XXXX said the matter should have been resolved in 10 business days. I followed up again on XX/XX/XXXX as the HCAD website still showed the taxes unpaid, so I again called Dovenmuehle and sent another email to XXXX XXXX XXXX ( attention Tax and Escrow Departments ). It has been more than 30 BUSINESS days since I first contacted Dovenmuehle re : the unpaid XXXX taxes. I again called and emailed XXXX as well XXXX ( attention XXXX, Taxes and Escrow ) on XX/XX/XXXX because the taxes are still unpaid and Dovenmuehle has yet to provide any reasonable explanation for the delay. I also had an online chat with XXXX re : the matter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: REGIONS FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi Mgr ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you  must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX  for code of ethics violations.

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 2021-02-10
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: Account status incorrect

Complaint:
This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I filed a complaint against Wells Fargo because I was told on numerous occasions that when a payment is made on my credit card and I am currently under a promotion ( 0 % for 18 months ) that the minimum payment goes towards fees, interest and higher rate portion of account first. Makes sense. what they failed to mention is because I was due for {$110.00} minimum payment and I made a {$5000.00} payment that the difference would be applied to lower interest first. reason? they explained that I should have made minimum payment of {$140.00} first. Then cut another check for {$4800.00} and then the monies would have been distributed differently. they also informed me that the agent who took the payment on XXXX XXXX should have explained this. the section under terms and conditions for their credit card is below ( WELLS FARGO Generally, we will apply your minimum payment first to lower APR balances ( such as Purchases ) before balances with higher APRs ( such as Cash Advances ). Payments made in excess of the minimum payment will generally be applied to balances with higher APRs first before balances with lower ones. ) They failed to mention that payments made in excess means writing another check separate from minimum payment. Had I been made aware that I should have just made the minimum first this would have saved me a lot of unnecessary interest. I have expressed my concern with several people who have similar promotions and they were not aware that making an enormous payment that covers the minimum payment is not the same. They were not aware that 2 payments are necessary. This is outrageous and I am going to pursue this matter.

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 2020-08-22
Company: AES/PHEAA
State: OH
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:
This is my second complaint about the same matter. The first one appears to be automatically closed just by virtue of a response ( any response ) from the company. Here is the relevant detail from the first complaint. In XX/XX/XXXX, I received a letter stating I was ineligible for TEPSLF because " the amount paid 12 months prior to applying for TEPSLF and the last payment made before applying for TEPSLF was not at least as much as would have been paid under an income-driven repayment plan. '' I was then advised to go on the income-contingent repayment plan and as long as I paid for an additional 13 months on-time, I would be eligible for TEPSLF. The correspondence I received in XXXX DID NOT INDICATE that I had not made the 120 payments. At no point until XXXX of XXXX was I told I was ineligible because of not meeting the XXXX. It was only during that subsequent application for XXXX did this company notify me of this - stating I had 87 payments, which contradicted all prior information provided by customer service representatives and their own written documentation. Based on incomplete information and faulty advice from every customer service rep at Fed Loan Servicing, I dutifully paid nearly double my normal amount for 13 months in order to reach the XXXX.

Company response to consumer: Closed with non-monetary relief