BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-31
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Report Number XX/XX/XXXX Date Generated General Account Info Account Name CONVERGENT OUTSOURCING Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX XXXX XXXX This company allows someone via telephone to open an account in my name didnt ask for proof of residency, didnt ask for state id or any types of forms proving thats me opening up an account they didnt even ask for a lease or anything to verify that was me and now they holding me responsible for an fraudulent activity account open in my name and reporting it to the bureaus

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 2021-08-15
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( The Company ) and I settled in full on my auto loan balance. The company and I settled the {$2400.00} balance for {$1400.00} However, The Company continues to report as a Collection with delinquencies for the waived balance of {$980.00} and reports the balance as past due on my credit causing me to be denied for credit I applied for and receive higher interest rates for credit I received. I contacted The Company directly on XX/XX/XXXX, XX/XX/XXXX, XXXXand XX/XX/XXXX to verify the Settled in full account and request my credit be updated to no avail. The Company, however, continues to report to the Collection company and yet send letters to me that the account was settled in full on XX/XX/XXXX. I have also disputed the account with Equifax, XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX and was told the incorrect information was verified and there were no corrections applied to my credit. I currently have 30,60 & 90 day lates as a Collection showing on my credit for a incorrect past due balance of {$980.00} well after the account was Settled in full and closed on XX/XX/XXXX. Late dates currently reporting are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Please see XXXX letter and credit report from XX/XX/XXXX attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2018 ( 10 mos ) i was suppose to had open up an account with XXXX XXXX XXXX XXXX! I NEVER EVER EVER HAD XXXX XXXX AND I DIDNT EVEN HAVE MY OWN APARTMENT AROUND THIS TIME FOR ME TO HAVE HAD CABLE. this needs to be taken off my credit ASAP IM VERY UPSET BECAUSE THIS IS FRAUDULENT. And is making my credit score poor. The balance is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Experian Information Solutions Inc.
State: NC
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  continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted XXXX  Credit Bureau by phone and mail. I was told by XXXX  that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX  representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.

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 2021-03-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Fifth Third Bank HELOC had an advance block placed on it XX/XX/XXXX with no explanation given, only {$14000.00} of an available $ XXXX owed, never a late payment and I have verified by 5/3rd XX/XX/XXXX score of XXXX as of XX/XX/XXXX. I was told by my local branch there was nothing they could do to review that block even if it was an error but because my credit was good I could refinance my mortgage to ensure continued access to my home equity if wanted and lock in a low rate as I currently had an ARM. I knew rates were low and likely to start moving up so if I did do that I wanted to get locked in ASAP. I was referred to XXXX loan officer XXXX XXXX NMLS ID : XXXX. I spoke with her on the phone on XX/XX/XXXX and after explaining the situation she told me I would qualify for a cash out refi with my income and credit score. I asked her specifically what rate would I be locking in if I got my app in that same Friday and she told me 2.99 % and even said if I got it in before Monday I'd get the Friday rate. On Mon. XXXX I get my 1st loan estimate and it's for a rate of 3.25 % and it's not locked. I immediately email her to ask why the rate is different from what she quoted me and why it says it's not locked when she specifically said I'd be locking in the Friday rate. After 10 days of trying to get an answer about the difference in rate & lock she finally replies to say the rate is different because it is cash-out even though that was the only type we discussed and the only type I could get as I had a now frozen HELOC to pay off, she says nothing about the lock status. After another 5 days asking if it is at least locked in she lies and says it is locked even though my original loan estimate clearly says it isn't, " Your rate is locked. I am running the numbers to see what makes the most sense with the rate you currently have. '' then she drops the loan amount by $ XXXX from the original $ XXXX I applied for & adds a {$2800.00} ( full point ) fee to lock it in at 3.25 % in a new loan estimate effectively trying to make me pay thousands more to buy down the rate because of the fact that she didn't lock it in to begin with as I specifically requested. I called her out on this on XX/XX/XXXX and she has yet to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a call on XX/XX/XXXX from XXXX XXXX XXXX telling me that my loan was delinquent. I logged into my account and noticed I made a payment for {$260.00} on XX/XX/XXXX. My account showed a past due of {$56.00} ( see attachment ), however the representative on the phone told me my past due balance was {$72.00}. I called back to inquire why it was not showing my past due balance as the correct amount, explaining that if I went by what the website was saying and made the payment for what was past due, I would still be delinquent. This inaccurate display of balances due was the reason the XX/XX/XXXX payment was not for the full amount, as I always pay the balance in full by selecting what is due. I spoke with customer service for XXXX XXXX XXXX ( on the line for over 35 minutes ) and I was told that there was an issue with their billing. I have four loans and only three loans were showing up on my bill ; the fourth was showing up on a different bill. They told me that they are working on resolving the issue. They also told me that I will not be negatively credit reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I can not seem to pay down the principal amount that I borrowed. I was in forbearance for a while and am now in an IBR. When I originally consolidated my loans in 2004 the total principal balance was approximately $ XXXX. I have paid over $ XXXX back over the past 14 years and my principal balance is still $ XXXX. When I review a statement of all payments and charges against the accounts I can not make sense of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1 ) Completed in-store purchase at XXXX XXXX XXXX XXXX XXXX, WI ) on Sat XX/XX/2021 ( Time : XXXX ) using US Bank Debit Card ending in XXXX XXXX Amount : {$25.00} ). Transaction posted to my checking account Mon XX/XX/2021. ( See attachments for personal details. ) *Sale Trans # : XXXX. Verified by pin. 

2 ) During transaction, sales clerk stated that my 1st US Bank Debit Card authorization attempt failed because I " removed the card too soon '' ( which I did not ). The sales clerk then instructed me to reinsert my US Bank Debit Card a 2nd time. 
*Please note that this transaction occurred in-store so there must be a video recording my the described actions. 

3 ) On XX/XX/2021 my US Bank Account posted a [ double transaction alert ] for the {$25.00} amount ( see attached documents ). I called US Bank and asked for an inquiry. I also went to back to the XXXX XXXX spoke XXXX/Store Manager XXXX XXXX XXXX and a XXXX XXXX ( XXXX ) both of which told me that there was only one ( 1 ) transaction and that the second transaction would " drop off. '' Please note that the XXXX XXXX. XXXX left a voicemail for me stating that my card was authorized twice ( x2 ), and assured me that the 2nd authorization would " drop off. '' 4 ) As of XX/XX/2021 the duplicate charge of {$25.00} has not " dropped off. '' Not sure if this error is fraud, theft, or something else. See attachments and investigate. 

Thanks!

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 2019-01-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I opened a checking and savings acct with the total balance of {$29000.00}. Because I opened the account on a Saturday I was told that I would not be able to access the money until the following Tuesday. That Tuesday morning I withdrew from the atm {$500.00}. Later that evening when I went online to check the account I was not able to log in. I called the number and was told that Chase did not want to do business with me and my money would be returned to me in 7-10 business days. It has been almost one month and I am still waiting for them to mail a check. Everytime I call I get a different story as to why my check has not been mailed yet. The phrase they want to use is it will be mailed in 3-5 business days. I have been told that at least 4 times to no avail. If you are thinking about Chase for your bank I would recommend keeping your money as far away from this bank as possible. The customer service agents are unbelievably rude. And are in definite need of customer service training.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I HAD A CREDIT CARD WITH XXXX XXXX XXXXXXXX XXXX BACK IN XX/XX/XXXX. THE PROBLEM I AM HAVING IS THE DATE OF DELINQUENT DATE THEY HAVE RE AGE THIS DATE SO THIS ACCOUNT CAN STAY ON MY CREDIT REPORT LONGER THEN IT SHOULD. THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT BUT IT STILL SHOWING ON THERE. I HAVE A COPY OF MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX WHICH EACH MONTH ACCORDING TO XXXX XXXX XXXX THEY HAVE REPORTED MY CREDIT CARD ACCOUNT EACH MONTH TO THE CREDIT BUREAU. ON THIS REPORT IT SHOWS AS FOLLOW XX/XX/XXXX I WAS 30 DAY LATE ON MY MY CREDIT CARD PAYMENT AND ALSO I WAS BEHIND ON MY CREDIT CARD ACCOUNT AND I WAS NOT CURRENT SO THAT MONTH WOULD SHOW THAT DATE IS MY DELINQUENT DATE. SECOND ON THAT SAME REPORT IT SHOWS THE ACCOUNT WAS CLOSED IN XX/XX/XXXX AND XX/XX/XXXX THEN ON THAT SAME REPORT IT SHOWS 30 DAYS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX 60 DAYS LATE FOR THE MONTH XX/XX/XXXX, 30 DAYS LATE FOR THE MONTH XX/XX/XXXX 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX LATE FOR THE MONTH AGAIN WITH NO PAYMENTS FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AND THE ACCOUNT WAS CLOSED AGAIN XX/XX/XXXX.. ON EXPERIAN CREDIT REPORT FOR XX/XX/XXXX XX/XX/XXXX ON EXPERIAN CREDIT REPORT XX/XX/XXXX AND XX/XX/XXXX. I ALSO INCLUDED A COPY OF A LETTER THAT WAS SENT FROM XXXX XXXX XXXX XXXX  XXXX THAT DIS INVESTIGATION ON MY COMPLAIN AND THEY CONTACT XXXX XXXX XXXX XXXX AND IT STATED AS FOLLOW TEH ACCOUNT WAS SUSPENDED FOR USE BECAUSE I WAS GREATER THEN 90 DAYS LATE DELINQUENT AS SHOWN ON MY EXPERIAN CREDIT REPORT DATED XX/XX/XXXX. THE DELINQUENT DATE THAT SHOWS XX/XX/XXXX AND 7 YEARS FROM XX/XX/XXXX FOR THE MONTH OF XX/XX/XXXX IS XX/XX/XXXX WHEN THIS ACCOUNT SHOULD OF BEEN REMOVED OFF OF MY CREDIT REPORT. THIS CREDITOR HAS RE AGE THIS ACCOUNT AS SHOWING THAT THE DELINQUENT DATE ON MY CREDIT REPORT IS XX/XX/XXXX, BUT GOING BACK TO THE LETTER THAT SHOWS THAT THE ACCOUNT WAS CLOSED XX/XX/XXXX BY XXXX XXXX BUT IT SHOWS ON THIS LETTER THAT THE ACCOUNT WAS CLOSED PERMANENTLY ON XX/XX/XXXX. SO AT THAT TIME THIS ACCOUNT WAS ALREADY BEHIND WITH A BALANCE AND IT WAS NOT CURRENT. I HAVE INCLUDED MY STATEMENT FROM XXXX XXXX XXXX XXXX THAT SHOWS STARTING ON MY CREDIT CARD STATEMENT DATED XX/XX/XXXX IT STATES AS FOLLOW TOTAL MINIMUM DUE IS XXXX SECOND YOUR ACCOUNT REMAINS XXXX PAST DUE AND YOUR ACCOUNT IS CLOSED

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 2019-01-02
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/2018 from Sunrise Credit Services stating I owe {$620.00}. Ive dealt with this fraudulent issue since XXXX. XXXX allowed someone to impersonate me over the phone and even steal a phone. They refused to cooperate with the police and told me though I have put regulations on my account anyone can call with my information. They allowed bogus information, phone orders, fraudulent payments and thefts for months without my knowledge. When it came to making a police report they wouldnt provide the information needed. I have several report numbers from the FCC and Illinois Attorney General. This was fraud take accountability for allowing someone impose as me. XXXX had me calling insurance companies and told me this bill was from something else. It took a week for a rep to tell me what it truly was fraud! FCC # XXXX Now they have a company sunrise contacting me for a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried to fix this debt with this company, I sent them letters. I called them the account comes from identity theft, I got into a desperate situation where I was going to pay it because my grandma passed away and I needed a loan to pay for funeral at a very sad and hard time in a desperate situation I called this company and theyve tried to take advantage I told them I was a victim of identity theft this isnt my account but I needed to have a funeral for my grandma and They tried to get me to pay money I dont have for an account I am a victim of identity theft and Ive been a victim of this debt collector trying to take advantage of me please helpThey are ruining my credit profile causing me pain on top of pain. This is wrong

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 2018-01-26
Company: TCF NATIONAL BANK
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We have on and off received phone calls for {$600.00} owed on a {$18000.00} loan for a vehicle. We tried for a week when trading the car in to get it added into our new loan and the company would n't call us back or the dealership so we could n't secure financing so the deal fell through. The amount is for late fees and excess charges. The creditors are rude call sometimes 4 times in a row over and over again. I spoke with XXXX XXXX XXXX about settling and he agreed on {$450.00} we could make in 2 payments in XXXX and XXXX when he called and emailed over and over I told him that in one week we could make the first payment. He said " I 'm not doing this anymore I can take the car or garnish your tax refund ''. The car has been reported to our credit bureau as charged off already and the company is now trying to garnish our work wages as well as our income taxes. We do not know where to go for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX I called American Express to pay the remainder on the card and cancel it. I explained that part of the late fees happened because my card was lost or shredded and could not access my account when I called them prior. Because when I called them earlier in XXXX, their representative told me to go to the app and would not help me that time, I was not helped this time. But this time they helped me pay my card and told me the card and account were closed. That day on XX/XX/XXXX after our call, I got an email saying I had been refunded a certain amount. On XX/XX/XXXX an email said the account was cleared. Then on XX/XX/XXXX I received an email that I had been refunded more, but I thought it was a mistake. So almost no contact nothing owed for 5 months, THEN in XX/XX/XXXX or so I receive an email that i have a balance due to them again! When I had shredded the card. They add late fees and never truly close my account. And at this point, Ive called and talked with 4 or 5 Amex representatives and canceled my account. Last time they acknowledged it was harassment and said I would not be contacted again. YET I received another payment due letter at my parents residence. It is harassment.

Company response to consumer: Closed with explanation