BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 have been a victim of Identity theft. I have been desperately trying to get these collections deleted off my consumer report from Portfolio Recovery so I can be approved to but me a home this year. 
However, the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did authorize or consent for any person or agency to put this debt on my consumer report. Please in good for of my consumer rights please remove and permanently delete all negative accounts and inquiries from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Advance America, Cash Advance Centers, Inc.
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Advance America credited a bank account that was not mine. I called immediately to tell them they'd deposited into the wrong account and was told they'd fix it. It's been TWO YEARS and they're still calling me to pay back a loan I never received. Advance America told me to call the bank they deposited the money into, but the bank basically laughed at me trying to discuss money into an account that wasn't mine. The calls are now harassing, as they call AT LEAST two to three times per day. I get nowhere with them when I explain the situation and who I've talked to ( which, conveniently, they never seem to have a record for. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.

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 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This is a huge mistake by Kohls company. I was shocked when I reviewed my credit report Today and found late payment for 30 days for this month XXXX XX/XX/XXXX ). When I went to Kohls in XX/XX/XXXX, I was advised my cashier to open a store card with them, and she guaranteed that I was going to receive the statement at home within a month. I've called your customer services several times asking them to send me the bill and I haven't received it. 


I am not sure how this happened, but I thought until later that i had made the payment. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I drove down to a local store and talked to the same rep today and as you can see i made FULL payment in-person. Please see the attachment receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Greetings, I received a phone call last month with a voicemail stating a credit collection company was calling to collect on a debt. I was pretty sure it was a scam because I know I owe nothing except a few credit cards I keep up on. I called to ask them not to call again and I knew it was a scam. She immediately knew my name from the number I dialed, she proceeded to ask if this was in fact my correct phone number, which it is/was. She then asked for my mailing address. At this point I stopped her and asked what this was regarding before I give out any more information. She asked me if I was represented by an attorney. In my quick thoughts, I thought this my be something to do with my divorce, which was completed in XX/XX/2018. I responded with " yes ', but quickly backtracked because my divorce is final and my attorney as since retired. I asked again what this was regarding. She told me I needed to have my attorney call to resolve this. I explained that A.my attorney is since retired and B. my name is attached to a collection and I have every right to know what this is. C. an attorney has an hourly price and I'm surely not going to hire an attorney at my expense to get something cleared that is my name. 
bottom line, she refused to give me ANY information. I have to assume this is a medical bill that my husband didn't pay and I'm on the hook. In any case, my hands are tied because they won't work with me. 
My credit will be destroyed due to this, if its not already. I have received no written letter, nor has my ex husband. 
Is this even legal? It seems extremely unfair. 
XXXX XXXX a compliance specialist with the Division of Financial Regulation, urged me to make contact with CFPB. 

The collection agency is XXXX XXXXXXXX XXXX. License XXXX/NMLS XXXX I hope you can help in some way? I really don't want this on my credit and I don't have the resources to get an attorney. 

Thank you kindly, XXXX 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 2018-02-10
Company: United Student Aid (USA) Funds
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX, XXXX XXXX pretending to be USA Funds sent correspondence to addresses that were not mine. I received the mail from my mother and mother in law several weeks later which indicated they were to start a wage garnishment. I promptly replied that I requested a hearing as I had not been on my job but one month and had not worked since XX/XX/XXXX, as I am XXXX and awaiting an appeal hearing from the SSA. I also forwarded financial statements indicating abgarnishment would cause a major hardship. I received no confirmation only copies of my promissory notes from years ago, with no cover letter or anything. I had also indicated I was interested in loan rehabilitation and asked how I could start that program. 

A few weeks later, with no notice, they began garnishing my wages. About a week after that, I received a letter stating they cancelled my hearing, of which I had never received any confirmation would happen. A couple of months later, I received a letter from a company named XXXX. I called them and hey set up loan rehab for me. To date, there have been no payments applied to my loans from the garnishments which were taken illegally. I would like to have my money returned to me that was stolen from my paychecks, as I am no longer working due to my XXXX, and have absolutely no income. I am also in the process of filing for XXXX forgiveness anyway. The way that was handled was in direct violation of my rights and they should be prosecuted for theft by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is supposed to have my XXXX XXXX XXXX loans set to enhanced PAYE so my loans are forgiven after 20 years but after several phone calls over several months my loans are still not corrected. Every time I call I get a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had an account with Capital One for over a decade. On XX/XX/XXXX, I received notification that because I hadn't used my card in 5 years, my account was restricted ( as of the date of the letter, XXXX XXXX ) - so I no longer had charging privileges and it can not be unrestricted prior to closure or reopened once closed. When I first opened my card, I had been told that my miles would never go away -- even if I reopened an account with Capital One, my rewards points would follow me. This letter from them tells a different story -- they've told me that my rewards points will disappear if they are not used by XX/XX/XXXX. In other words, it is a bait and switch. 

I hadn't been using the card because I was happily able to deal with my purchases without the need for credit. HOWEVER, I had intentionally kept the card open because I had accrued XXXX miles on that card which I wanted to use for a big trip somewhere. I was saving them up! 

The letter of XX/XX/XXXX acknowledged the rewards points and told me I had 3 months from the date of the card to use the points. I looked on their website and found that the way to use the points for miles is to book the travel and then have Capital One reimburse based on the miles accrued. So, I did this. 

Then, I called Capital One at the number given on the letter - the woman I spoke with told me that, as the card was restricted, I couldn't use it for travel ( the one reason I had saved them up ). At best, I could get a check for approximately half their travel value ( {$340.00} dollars ) or I could get gift cards for up to {$650.00} dollars. Neither of these responses meet my needs. The lady on the phone connected me with the travel service capital one uses, and they told me they could book my flight for me, but, as I no longer have use of the card, I'd have to talk to yet another person. So, I was transferred again. This lady gave me the first option ( half the value check or giftcards ) and I explained that I had been shuttled around twice, with the suggestion that she could help me with the travel. She told me she'd look into this, but as yet, to no avail. 

I carried the card, I obviously used the card enough to get a healthy number of points, I kept the card open to use the points for travel, and have now been told that this isn't an option, as they chose to close my card without my being able to change their decision. This choice on their part is a ding on my credit, which I am not happy about, but more significantly, it is resulting in the loss of a big chunk of money that I actually earned by carrying and using their card. Basically, it seems that once I was no longer making them money, they discarded me -- even though I had made them significant money ( and earned significant points ) in the past. This doesn't seem right. I hope you can help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: CMK Investments Inc
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with All Credit Lenders that has provided hundreds of thousands of dollars in restitution for consumers across the state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Cedars Business Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was laid off by XXXX XXXX XXXX ( US ) XXXX in XX/XX/XXXX. I signed severance package offered by the company and separated from XXXX. Per mutual understanding between me and HR representative, I will not have any monetary claims against the company and vice versa after I signed agreement. Any previous employment agreement between the parties, including the Existing Employment Agreement is considered null and void after my last day with XXXX. 

After the company appointed tax preparer, XXXX, filed XX/XX/XXXX tax return on behalf of me. There was tax refund due to me. XXXX wants the refund forward to them as this would be the case if I was still employed by XXXX. I disputed XXXX 's claim and requested them to provide me evidences to support the claim. I never got any response. 

XXXX HR then notified me that this is considered a debt and it will be sent for debt collection. I notified XXXX HR service desk that this is not a valid and it was in dispute. Recently in XX/XX/XXXX, I got a letter and emails from Cedar Financial who informed me that XXXX XXXX has sent disputed debt for collection. I requested to provide me with supporting evidence that shows I owe the debt. I was provided with same information XXXX HR had provided without proof that I owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: OH
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 filed a complaint previously with CFPB and the are accounts and companies on my file I do not recognize and I have never done business with these companies. I would really like to not have to file a lawsuit to resolve the issues that seem that it was never properly investigated full or investigated at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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:
Experian did not delete fraudulent accounts that did not belong to me even after I filed a police report with the XXXX Police department, case number XXXX. After my own investigation and calling XXXX/ XXXX  fraud department at XXXX XXXX XXXX XXXX XXXX those three accounts did not belong to me. On a hunch, I looked into my husbands prior credit reports and bankruptcy filings ( XXXX ) and discovered that the XXXX XXXX account belonged to him which Ive never been a joint owner.

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 2018-09-19
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out there were medical collections ( account XXXX for {$140.00} from XX/XX/XXXX, XXXX for {$120.00} from XX/XX/XXXX, XXXX for {$96.00} from XX/XX/XXXX, and XXXX for {$56.00} from XX/XX/XXXX ) from Optimum Outcomes on my XXXX  credit report that I do not recognize. I tried calling Optimum Outcomes multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Optimum Outcomes. I disputed these same accounts with XXXX and XXXX, and they promptly removed them from my account. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from the court that Transunion claimed they verified a XXXX XXXX  bankruptcy Reference Number ( XXXX ) reporting on my credit profile. The court stated that they do not report information to credit reporting agencies and XXXX XXXXXXXX. They also stated that they do not verify information with credit reporting agencies. I have sent Transunion documentation that they ask for to remove this public record. but it has been removed or verified.

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 2021-02-01
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Resurgent Capital Services L.P.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is report wrong information on my credit reports. The information that is being reported on my credit reports is false. XXXX XXXX XXXX is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action. I have also never received a " dunning letter '' for XXXX stating that they own the debt and intend to start collecting practices. They have been reporting this account monthly for over a year.

Company response to consumer: Closed with explanation