BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-09
Company: NCB Management Services Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Account status incorrect

Complaint:
I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

XXXX of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with XXXX representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer Relations XXXX XXXX XXXX ID XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the Experian report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my Experian and XXXX are showing this account as late, when it has never been late. I have also contacted Experian and XXXX asking them to change this information so that it reports accurately on my credit reports as paid.

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 2018-10-22
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with DEPT OF ED/NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPT OF ED/NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
To CFPB Re : Pentagon Federal Credit Union XX/XX/2019 I would like to express my concerns over the fact that Pentagon Federal Credit Union ( Pen Fed ) provides different level of service to customer who are are not in the position to communicate with this organization via phone as compared to the level of service they provide to other customers. 

The issue is especially critical when it comes to the ability of customers to exercise their rights related to disputing unauthorized transactions on their accounts. 

In XX/XX/2019 I inquired Pen Fed multiple times regarding their procedure of reporting unauthorized transactions on my credit card. After requesting clarifications from Pen Fed related to some conflicting responses I received from their customer service representatives I was informed that the procedure Pen Fed has for customers to report unauthorized charges is to call in and address this with a Member Service Representative. See Pentagon Federal Credit Union Message Center - requirement to call in to dispute unauthorized charges on the account.pdf attachment containing Pen Feds official response to my requests.

After I requested a written disclosure specifying that the customers must communicate with Pen Feds representatives via phone I received even more disappointing response informing me that Pen Fed refuses to communicate with me via written messages and specifies the reason for that as a supervisor has attempted to reach out to you in order to resolve your concerns, however they were unsuccessful in reaching you at that time. Please provide a good phone number and time, and we will do our best to attempt to reach you via phone once more. See Pentagon Federal Credit Union Message Center - refusing to assist since supervisor was not able to reach by phone.pdf attachment for Pen Feds response.

Finally, I mailed a couple of letters to Pen Feds mailing addresses disclosed on their website. Copies of them are attached as penfed dispute 2019XXXX.pdf and penfed dispute 2019XXXX.pdf. In XX/XX/2019 I asked PenFed whether they have received my letters mailed to them via USPS and PenFeds response included in the attachment Pentagon Federal Credit Union Message Center - Non receipt of postal correspondence.pdf indicated that the organization is not tracking customers mailed correspondence well or otherwise does not pay attention to the incoming mail.

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 2019-07-29
Company: ACIMA CREDIT, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a mattress through Acima credit. I was supposed to receive an early buy out in 3 months. The company never contacted me though mail, phone, or email. I called the company today to see what was going on. They said they had sent emails and they had all " bounced back '' even though the email on file was correct. I never received a copy of my contract or even an account number. My financed amount was {$350.00} and now my account is over {$400.00}! I have made every payment though the auto draft through my bank account but they will not offer me the original buy out even though I never received any information on it. They were clearly negligent. They even admitted that they never tried to reach out to me. This credit company seems like a scam to me! They told me their hands were tied and refused to make the original buy out deal with me even though there is clearly an issue on their end with correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX or XXXX locked me out of my credit card when they issued a new credit card so I was unable to make a payment until I received my new card, which was lost in the mail and had to be sent out a different time. This caused a negative mark on my credit which will cost me thousands of dollars in the home mortgage I am applying for, all because of a {$12.00} purchase.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
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:
XXXX used inadequate security countermeasures to protect my most sensitive personal information. As a result of their lackadaisical attitude to online security, my most secure personal information has been compromised. 

Now I must pay to put a credit freeze on my account -- this is unacceptable. Almost half the citizens of the United States have had their most sensitive information compromised. 

This is a clear example of the need for more government safeguards on Equifax and other financial reporting agencies. They have collected my personal information without my consent, safeguarded it improperly, compromised and distributed all my information, and now are attempting to profit off their own failings. 

This is as wrong as it gets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have mailed in 3 certified letters over to your company several times. I have documents to prove that these letters were mailed out on the specific date. I have tried contacting you through mail, phone, and fax. I know the law states that we the consumer are to wait patiently 30 days during an investigation dealing with a credit file. Well its well over 30 days and at this point I have no more patience at this time. I am in distress and have been diagnosed with XXXX over time period it has taken for a response and an internal investigation on your part. The photos that I have attached to this letter arent mine and I am disputing these attached photos as an internal dispute which is required only 2 business days. Since you decided to break the law and mistreat a consumer I have all rights to specify how I want this investigation to go and if you have a problem with it I would love to take this situation to court and settle for lawsuit against your company. This hasnt been the first time your company has been under fire and scrutiny for breaking the law and it seems like you continuously repeat the same old mess by placing erroneous information on consumers credit file and sell credit files over to 3rd party companies. In this instance I caught it and realized that these accoutns arent mine and they seem to be fraudulent and all are error that are reporting on my credit. The photos include the name of the deogratory accounts, inquiries listed on my credit file that I have no clue about. I will be following up in 2 business days and if this situation is resoluted by the time I will highly upset and forced to take matters into my hands and contact my legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank is the issuer of a XXXX XXXX XXXX XXXX XXXX store credit card. I paid the recommended amount of {$350.00} or more every single month ( not the minimum payment of approximately {$60.00} ) in order to avoid being charged an accrued interest payment at the end of an 18-month promotion. The last statement makes a note to list the end of the promotion period, which is a mid-month cut off date. But, the MAIN landing page of the credit card website with the ACCOUNT SUMMARY makes no mention of the end of the promotional period. The ACCOUNT SUMMARY portal on the website is where payments are made and where they recommend how much to pay on a monthly basis. The fact that the end of the promotion was not clearly identified in the ACCOUNT SUMMARY section of the website or not identified in the payment portal is very deceptive in my opinion. To my knowledge Commenity made no effort to provide email communication or notification on the main landing page of the website that the promotional period was ending or that a {$980.00} finance charge would be assessed if I did not make one last small payment of {$210.00} in the middle of the month. Further more because it was XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card and I only made 2 purchases on that credit card there would be no routine reason to check credit card statements. One of the primary reasons that people check a credit card statement is because the want to verify their purchases and make sure that there are no mistakes in their purchase history. I believe that Comenity is counting on the fact that due to the nature of the store credit card, where people clearly remember what they purchased, that they will not go ahead and read the credit card statement as they would with a traditional ( non store specific ) credit card. Comenity 's belief that consumers will not read the statements is the reason that the notification of the end of the 18-month promotion can only be found on the statement and is not identified in any other way by Comenity bank. 

In short, I believe that Comenity bank acted deceptively and they are unwilling to credit and remove the accrued interest charges. 

I will attach my statements as well as a screen shot of the Comenity Bank main landing page and XX/XX/2019 emails that I recieved from Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: Franklin Collection Service, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I ordered XXXX & XXXX XXXX  internet and XXXX XXXX bundle. XXXX XXXX was installed but no one ever came to install internet. after 2 days i was told XXXX XXXX   wasnt available in my area and i couldnt get the bundle discount XXXX  canclled my entire account including XXXX XXXX  and got internet and cable from a local providr. in XXXX of XXXX i discovered a negative mark on my credit score from an XXXX XXXX XXXX debt collection i knew of. i gave spent the last 2 months calling and emailing Franklin collection agency and XXXX XXXX XXXX for info. They said I owe XXXX dollars for DSL internet. i have asked both XXXX XXXX XXXX and Franklin collections for proof of internet service provided by XXXX XXXX XXXX. a bill, a copy of a contract, a service agreement, ANYTHING to show why they have billed me. I have recieved nothing. I have spent dozens of hours on the phone with Franklin and XXXX XXXX XXXX and constantly get transfered, told to call other numbers, told to call the collection agency because XXXX XXXX XXXX doesnt have the debt anymore and has bo record of it and the collection agency tells me i have to call XXXX XXXX XXXX to get the details of the bill. no one has helped me. i have copies of emails i sent, requests for documentation, phone records, names and id numbers of representatives I have spoken to and I have no answers from anyone but they will not discarge the debt or provide any billing info. At no time has employee from XXXX XXXX XXXX internet service entered my home or property to install or set up any internet service or equipment. at no time has any employee from ANY internet service provider associated with or representative of XXXX XXXX XXXX entered my property to install any intermet service or imternet service equipment and I affirm that I have never at any time had XXXX XXXX XXXX service installed or activated in my name. these charges are fraudulent and XXXX XXXX XXXX and Franklin services are using abusive and evasive practices to perpeutuate these fraudulent collections. i need asistance desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a Tap PXXXX flight from XXXX to XXXX on XX/XX/XXXX, later in XXXX the COVID19 pandemic hit and international travel was outlawed by the US. I reached out to XXXX XXXX to receive a refund for my XX/XX/XXXX flight because the travel ban was extended to that point. XXXX XXXXXXXX refused to provide a refund, credit, or any resolution so I then went to my Capital One Credit card dispute team. 

I shared with Capital One all of the documentation stating it was illegal to fly out of the country and that I provided the airline more than 3 months notice that I will be unable to make my trip. Capital One somehow lost the dispute and then inaccurately provided a double credit. 

I have reopened the dispute many times since XXXX and was promised on a recorded line in XX/XX/XXXX that both charges of {$950.00} would be permanent. Over 90 days then went by and out of nowhere the both {$950.00} charges appeared on my account and I was expected to pay within the next 30 days. I called and requested the voice recording be pulled and reviewed and capital one has failed to sufficiently complete that process. I even offered to review the recordings myself but Capital One has claimed the call is their IP dispute not being able to provide any documentation that proves this. 

Capital One is an absolute disgrace and is committing fraud against me and I need help to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. 

Under the FCRA, unverified, invalid accounts must be removed. 
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 

I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I applied for the income based repayment plan because I am unable to pay my student loans. Prior to reapplying my payment was {$0.00} based on my income. I called Navient/Dept on of education on XX/XX/XXXX,  to retro my IBR payment plan since my account is 36 days past due and was told by collections XXXX XXXX that Its not the fault of Navient/Dept of Ed, that my student loan payment is behind. I requested to have IBR plan retro back to cover XXXX XXXX payment. I have used the IBR plan multiple times and a representative has gone back as far as 3 months without my having to ask. The supervisor repeatedly kept trying to offer me a forebearance. Instead of applying my IBR plan back 4 weeks, they would rather put me at a inconvenience or make more money by placing a forebearance on my account. Also my loans have gone from {$44000.00} to {$60000.00} in one year which makes no sense if I had a {$0.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Affiliated Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Their investigation did not fix an error on your report

Complaint:
The Experian Credit Bureau is reporting inaccurate information on XXXX XXXX BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX BANK 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