BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva Retail Credit is charging me interest on an item I returned because it was damaged. They received the credit back on XX/XX/2019 but are telling me I have to continue to pay interest on the balance. The company refuses to refund me the money that is credited on the account and the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Convergent Resources, Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I mailed in a certified debt validation letter to the credit bureaus in reference to the collection company called XXXX XXXX on XX/XX/2018. By law a collection agency must mail in proof that legally shows a consumer is responsibly for the debt. Mailing a bill is not proof that I am responsibly for the debt. XXXX XXXX failed to provide accurate information within 30 days from the date of the dispute letter, and is direct violation of my FDCPA, and my FCRA rights, and has to by law delete this information from my credit file.

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 2018-07-02
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:
XX/XX/XXXX - Submitted a Police Report and Identity Theft report to all three credit reporting agencies about identity theft including the XXXX XXXX XXXXXXXX Account # - XXXX. 

XX/XX/XXXX - XXXX XXXX XXXXXXXX Account # - XXXX was deleted from my XXXX  credit file. However, that account was not removed from my Experian credit file. Filed several disputes with Experian but they did not remove the fraudulent XXXX XXXX XXXX account which resulted from identity theft crime. 

XX/XX/XXXX - Contacted XXXX XXXX XXXX to try to resolve this matter with them. Spoke with bank representative XXXX XXXX who opened case # XXXX and advised me that a bank representative from the fraud department would contact me but nobody ever contact me. Instead they send me a letter in the mail claiming I am responsible for that debt. 

XX/XX/XXXX - Received a dispute results from Experian saying that the item will remain on my file since it was deemed to be accurate. 

I can not understand the disparate treatment I am receiving from Experian credit report agency since the information was corrected at Equifax but it is still wrong with Experian. I believe that both XXXX   XXXX XXXX and the credit reporting agency are infringing my rights under the FCRA Section 611 and I need your help. 

Thank you very much. 

Best regards, 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 non-monetary relief
Consumer complaint received 2020-09-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I want to close my account and Chase is refusing to close it without me visiting a branch. I have provided all necessary paperwork via fax and Chase is still refusing. I am hesitant to visit the branch because of the ongoing COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
This XXXX XXXX # XXXX was " paid-in-full '' on XX/XX/16 and " closed ''. The account is incorrectly being reported as " Derogatory '', " Open '', and in a " Payment Plan ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Experian Information Solutions 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:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXX XXXX on 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 non-monetary relief
Consumer complaint received 2018-07-02
Company: EQUIFAX, INC.
State: DC
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:
Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: MI
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:
Hello I called them to inform them that there are multiple inquiries that I do or recognize and they refuse to remove them without a police report and a complaint through you all.

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 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 contacted TransUnion of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the 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 2018-04-10
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX SSN : XXXX Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately Name of Account XXXX XXXX XXXX Provide Physical Verification Creditor 1 XXXX C/O XXXX XXXX XXXX UNKOWN XXXX XXXX XXXX XXXX, SC 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 2021-04-02
Company: AES/PHEAA
State: GA
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 noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount Fedloan Servicing XX/XX/XXXX {$37000.00} XXXX XXXXXX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Late XX/XX/XXXX, my balance went over the credit limit. I specifically checked on the account page that I never wanted to be overdrafted so do not approve any purchases that overdraft my account. They did it any way, which is causing me score drop on credit report, as well as paying more interest due to having a higher balance. I spoke with customer service and she validated that she could see where I checked for no overdraft. Said I would have to file a dispute. It was their fault. It was capital one and now Im overdrawn XXXX. Although it was their mistake they wont do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Recently I went to an orientation for a first time home buyer program. The program of course looks at everything from personal information, finances, and of course CREDIT. When my credit was pulled I noticed that there are two items on my report that are In accurate. The amount to be exact. Per the FCRA these items must be deleted. This is also false and misleading information that is negatively impacting my reputation. I have disputed this item before but didnt realize the inaccurate information. However this dispute is active and IS NOT A DUPLICATE. Per the FDCPA USC1692e ( 2 ) ( a ) the collection of the incorrect amount is false and misleading. Also Ive disputed and questioned the validity of the alleged debt and account and still have not received legal binding proof that the consumer is obliged to pay any FRN ( debt instrument ). Furthermore with the mentioned statement previously this company seems to be in violation of USC 1692f ( a ) ( 1 ). Also this item has been deleted and reinstalled without notification per FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). The reporting agencies and the collections agency is violation of the FCRA. The items in question are XXXX XXXX Bank and 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 2018-07-02
Company: Navient Solutions, LLC.
State: IL
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 had been originally XXXX XXXX beginning in XX/XX/XXXX. They were purchased by Sallie Mae and then Navient. I learned about the Pulic Service Loan Forgiveness program and immediately called Sallie Mae to make sure my loans were in the right place. They assured me on many occasions that I would qualify for loan forgiveness as a public school teacher. I also asked about income driven payment plan which is a qualification for the public service student loan forgiveness. I was told if I did that payment I would not have anything left to forgive which was ridiculous as I still have {$40000.00} left now to pay. I payed 10 years ( longer actually ) of ontime payments and checked in multiple times with Sallie Mae about the program and every time they assured me I would qualify for forgiveness in XXXX. I filled out the paperwork for forgiveness and was denied because my loans were not with XXXX XXXX. Sallie Mae lied to me repeatedly. My loan should have been forgiven and paid off. Instead I still have XXXX XXXX to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I received a Letter from this collection agency in response to a Debt Validate Letter. The information that they provided was unverifiable and the alleged debt is invalidated. They did not include proof of legal right to collect on these debts, nor proof of contracts bearing my signature, nor proof of licensure and nor proof they are within the states statue of limitations. Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. I am distressed that the company has not provided me with what I have asked for. I demand these debts to be deleted from my credit file and cease all collection activities 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 2018-04-10
Company: CNG HOLDINGS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX   payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2017 I sent a XXXX payment for {$1100.00} to my landlord through my bank fifth third. A week later my land lord asked for a late payment as they never received the amount. For almost 1 year I have been chasing this down with my bank and XXXX to find my funds as my bank only tells me they have been " delivered ''. They were never sent to my land lord and I have not been able to locate these funds. My bank only tells me that they can't do anything else as they as showing that in their system even though no one has t he funds. I opened numerous cases with no resolution and my bank finally said they had to close the cases because of FDIC regulations This has gone on for so long and I really need to find my funds! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Capital One account has been closed and paid in full for a long time I NEED it OFF my credit report. I was supposed to receive a letter stating these facts and still have not received it. Your yuck to put it on my credit but no one cares to make it right and remove it once its been paid! PLEASE take it off my credit report Im working hard to repair it but you need to do your job in order for that to happen. Thank you And I have no document because the collection agency lied and never sent it I was supposed to have it in 7 days well im still waiting months later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2018-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my TransunionXXXX  credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.The XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.Transunion/XXXX  is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by XXXX also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps

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 2018-10-10
Company: ZINC Financial, Inc.,
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There are delinquent taxes against the property I've recently acquire ( Delinquent Tax Bill attached ). Neither the lender ZINC financial, or XXXX XXXX XXXX  XXXX   are taking ownership of the issue as they both keep pointing fingers to each other. In fact, XXXX XXXX now wants me to absorb the cost of the delinquent taxes I do not own. 
This is the second complain file against ZINC ( CFPB complaint XXXX attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: COMMERCE BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.

Company response to consumer: Closed with explanation