BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: MoneyLion 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:
I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau. 
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions 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:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: DISCOVER BANK
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: Personal information incorrect

Complaint:
THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. DISCOVER FIN SVCS LLC WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. DISCOVERBANK WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: EQUIFAX, INC.
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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Portfolio Recovery on XX/XX/XXXX about the account listed on my credit report. I told them that I had no knowledge of the account and it was not mine. the first agent told me that the account was opened in XX/XX/XXXX and was charged off for {$200.00}. I told the agent that I would like to dispute it because I never applied for a credit card in the year of XXXX. On XX/XX/XXXX I contacted the company again about the resolving this issue. they told me that the account is under dispute I must pay the set amount with of XXXX. And the agent also informed me that the account was open in XX/XX/XXXX and the amount owed is XXXX. I informed them that it was not my debt and I am not responsible for the account and to please remove from all 3 credit agency 's. Since the information was incorrectly please have the information removed from all three credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an account showing on my credit report for Capitol One. They are working with a law firm and holding account they say i owe 2700 plus dollars to. I have called to dispute this believing that i had made on offer to settle and close this account thinking this was handled in 2016. I have asked for the paperwork on this card to be able to verify that i owe this money and to show the payment i made but they are refusing to send me any documentation regarding this credit card. I dont even know the credit card number. the attorney told me this was a XXXX card and then capitol one said it was a XXXX. I would like to have proof of owing this money and know that this was not a settled account. The highest balance i have ever had on a credit card is XXXX dollars. I would like for your company to make sure they are following the laws and giving me the documentation for all charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today recieved a debt collection letterXX/XX/2019 from Kirsenbaum & Phillips,  p.c about this fraudulant bogus debt in the name of debt collector XXXX XXXX XXXX. 
In the amount what they say i own current balance {$25000.00} Multipe collectors in the past claimed i own this XXXX and multipe complete validations of this alleged debt or any kind of proof bearing my signature, copys of original contracts/account statements has bin requested by me from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ect. ect .ect by certified mail ( have the proof ) No proof of any kind ever has bin sent to me. All they have is my name and adress and a amount they claim i owe and a simple 3 th grade print out of a judgement ( was never personly served ) and that wont proof anything. 
Knowing that a complete validation was requested on those days in the past ( and again have all the proof and dates ) and no proof of any kind ever has bin provided why is Kirchenbaum & Phillip, p.c trying to collect also on their behave. 
Do your homework and look in the files its all in there .THIS DEBT HAS BIN DISPUTED FOR 15 + YEARS A collector knowing with no proof of any kind collecting for a collector/ collectors with no proof provided of any kind are in violation of the fair debt collection act./the fair credit reporting act and Defamation of Character. 
Knowing all of this i will also consult my legal counsil for suit. 
I will also file a complaint with the FTC, The Attorney Genral 's Office and the XXXX XXXX XXXX. 

A complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old  address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work. 

On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived. 

On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out. 

After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me. 

I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call. 

They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Harris & Harris, Ltd.
State: IN
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 submitted a complaint it was resolved you sent the resolution XXXX removed the derogatory information but XXXX  has not. 

The debt was covered by insurance I had a secondary insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Or Around XX/XX/2019 I Filed A Dispute for the following XXXX Purchases Screenshots will be provided. And Or About XX/XX/2019 I Received the following documents from my Bank PNC NA Stating the Transaction Is Valid Under state and federal Laws if a merchant does not meet a agreement or criteria such as honoring a promised refund It Does Constitute a valid Transaction i was promised a Refund from two XXXX Employees XXXX  and XXXX And was never Recieved which would break the transactions Validity And the pnc mercananct agreement between PNC And Third party XXXX Screenshots will be provided failure to Make temporary credits permanant may Result in a lawsuit under state Guide lines in Magisterial Court under my Belief of wrong doing. I Request pnc cease and decist the Amount being put back on the account at which phone calls where made and was told. This documentation was revieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Bread Financial Holdings, 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: Personal information incorrect

Complaint:
THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. COMENITYBANK/XXXX XXXX   WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from XXXX XXXX XXXX from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX   reportsXX/XX/XXXX, and Experian reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT 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 2017-11-14
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. 

In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. 

A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. 

I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. 

Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. 

I ask that you look into this as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-04
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Fed Loan Sevicing auto changed my student loan accounts from repayment to deferment, due to school enrollment, so I notified them to turn it back, because they did this to me in 2018 and I had already notified them back then to not do that, and they never notified me to send back a form. Now they are doing it again even though they have records of me participating in the PLSF program and notifying them to not remove me from repayment, but they take days to respond. The form they also sent me states I am able to fax it in to their number, but I do fax it, the fax states it is unable to connect to their line, so they are lying on their website and forms on how to submit documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/JC PENNEYS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. 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 2017-11-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The end of the year XX/XX/XXXX was approaching so I called Navient ( student loan servicer ) to discuss repayment options. I was told in XX/XX/XXXX over the phone by a customer representative that my loan would increase from $ XXXX/month on a gross income of XXXX to $ XXXX/month on a gross income of {$100000.00}. However, after speaking with customer representative and filing paperwork a different result was reached on XX/XX/XXXX : I would now be paying $ XXXX/month based on a {$100000.00} gross income for their income based repayment program. How can the results be so drastic?!!!! I can not afford to pay this nor can I afford to go into forbearance as Navient suggested I do. Note this is not the first time I 've had problems with Navient and their varrying degrees of monthly payment changes. Also, I do n't believe it to be fair to base my payments on my gross income, an adjusted gross income would be more fair. Lastly, this system does n't take into account that I have to pay my health insurance which is approximately $ XXXX/month and will spike to approximately $ XXXX/month beginning in XX/XX/XXXX. Most people who have jobs as veterinarians have health insurance paid for as a perk, but not in all cases, hence my case. There has to be a better answer to this horrific trend NAVIENT has had with my loans and a more affordable way to pay this so I do n't have to go into forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has refused to investigate requested items on my credit report. OnXX/XX/XXXX I sent an initial request to investigate. On XX/XX/XXXX I sent a notice that they violated the regulation to investigate the items below. To this day I have gotten no response from them ... 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XX/XX/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