BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a Capital one statement reflecting a balance of {$520.00} of which {$500.00} was my credit limit and {$23.00} were late fees. Payment was due on the account XX/XX/20 in which I paid {$500.00} on XX/XX/20 on XX/XX/20 there was a intrest applied to the account. I contacted Capital one to inquire, I was told the intrest was applied due to my outstanding balance. Balance needed to be paid prior to XX/XX/20. I was also informed that my payment of {$500.00} was being held for 7 days and would not reflect as paid on my account. Which is why intrest charges incurred even though my payment was received. I was told by 2 account representative as well as supervisor that because I paid my balance in full they would hold it for 7 days even though it cleared my financial institution without any issues. I have used the same method of payment since the credit account was established and the same amount monthly for 2 years. This is unlawful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
OK, MY FRIEND SEND ME A INVITED TO MY PHONE BUT I LOTS IT.SO KNOW I'M SORRY TO SAY I PUT MY UNEMPLOYMENT CARD ON THE PHONE THAT GOT LOST AND SOME HOW I SENT {$75.00} DOLLARS TO SOME ONE I THOUGHT I WAS GETTING THE MONEY NOT SENDING IT OUT. NOW I WANT IT BACK PLEASE AND THANK YOU

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 2021-05-25
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
entered a consumer credit transaction with SOUTHERN CREDIT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SOUTHERN CREDIT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SOUTHERN CREDIT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On Monday XX/XX/2021 my edd Bank of America card was fraud someone deposited {$1000.00} out of my account! I reached out to Bank of America they did nothing they closed my card and told me to reach out to edd. I contacted eddd they stated that Bank of America can open my card and they dont know why they are telling everyone with this problem to contact us. The edd made note of the situation and stated that someone should contact me when my card will open back up. I do have a available amount and Im not allowed to touch the money because Bank of America will not give me any further details. They will not give me a time frame of when all of this will be resolved.

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 monetary relief
Consumer complaint received 2018-07-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of an outstanding debt related to a fraudulent account established with SYNCB/XXXX XXXX in the amount of collection is {$6300.00} dollars. An official dispute of this account was sent to SYNCB/XXXX XXXX   XX/XX/2018 however as of this date SYNCB/XXXX XXXX has not replied or responded to the dispute which is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Please review attached documentation. Capital One has violated me as a federally protected consumer under the provisions of 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
The accounts and inquiries are not mine, I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts and inquiries without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-05-12
Company: EQUIFAX, INC.
State: NY
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:
As of today XX/XX/2020 Equifax is reporting inaccurate, misleading, Unverifiable information on my consumer reports. Under the account name : XXXX/XXXX. 

: Account currently reports inaccurate balance and credit limit a violation of FCRA rules section 1681.

: Account currently reports a payment amount of {$69.00} after Account has been closed a violation of FCRA rules section 1681. 

: Account currently reports last status update as of XX/XX/2020 but still reports multiple inaccuracies. A FCRA rules violation section 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: MEI AUTO FINANCE INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX are still reporting some of them. XXXX in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation. I never received notice of this debt or the amount that is shown due on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been harrassed by Convergent Outsourcing for a debt that is not mine. The debt in question is for XXXX. I work for XXXX, and I do have nor have I ever had a debt with them. I have been working at XXXX for XXXX XXXX XXXX XXXX ). Contacted the collections department within XXXX and they stated that I do not have a collections account with them, and if I did I would not have employment with them. The debt in question is {$590.00}, XXXX has free/discounted services for their employees. I do not owe anything to XXXX or Convergent Outsourcing, they are trying to have me pay for a debt that is not mine and harass me in the process.

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 2019-01-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In contravention of Section 301 of Public Law 115-174 ( Amendment to the Fair Credit Reporting Act ), my Equifax credit report does not show my current fraud alert expiring on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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: Personal information incorrect

Complaint:
For 5 months I have been trying to fix the issue revolving around my address with Equifax. I moved to my current address on XX/XX/XXXX from my old address. Equifax stop reporting my score where other bureaus could see my score because they say I have a different address as of the end of XXXX and beginning XXXX. When I discovered this problem in XX/XX/XXXX I started sending them proof of my new address. I have been told by reps at Equifax that they have received this information but when it comes time to fix the problem of updating my information something is always wrong like that they cant see my ID so I sent them color copies now they say that they dont have a copy of my billing statements with my current address that they told me they had before. I dont know who I XXXX off at Equifax but now it's really starting to feel personal. I am a XXXX of this country and someone who has taken a very hard hit from the Coronavirus financially. I am trying to buy a house in a better neighborhood to provide my family a better way of life and all I'm asking is that this problem be taken care of so that I can move. In order for me to do that I need to be able to get a 3 bureau credit report off my other sites like XXXX and XXXX but I can't because Equifax refuse to update my address. Not to mention my account has been dropped from XXXX because they cant pull my credit info from Equifax. I have sent documents proving my current address again on XX/XX/XXXX that they claim take them 10 days to get even though I sent it by fax machine. Hopefully it doesnt disappear like other information I have sent. All I want is my current address to be updated to the right one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied on Studentloan.gov for an income-based payment plan on XX/XX/XXXX. I received an email from Nelnet on XX/XX/XXXX indicating they received my application for income-based repayment plan from Studentloan.gov. I am still waiting to hear from Nelnet. They already got access to the IRS for my XX/XX/XXXX tax return. Why are they dragging their feet? At present, the current monthly payment is {$2100.00} per month. I can not afford that. If Nelnet refuses the modification of my payment, I will be forced into default. During XX/XX/XXXX, my income was reduced because my full-time employment ended ( see attached ). I attached my last paystubs for XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the debts and received bills. This is not sufficient validation.

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 2018-05-01
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notified that this debt after it was placed on my credit report ; reached out to collection agency to dispute the debt. I asked them to send verification of the debt and they haven't. I also mentioned that my identity was stolen and that I have notified the police and I have a police report. 

This account does not belong to me. It should be removed. 

Police Report Number - XXXX ( XXXX of XXXX NC )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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: Problem with personal statement of dispute

Complaint:
stdent loan was not to report negativity during the tome that they continually did. they agreed during covid pandemic they would not repot negative to the credit berro and they have been and not willing to remove my negative marks due to me paying off my loan early

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 2020-08-22
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:
On XX/XX/XXXX and XX/XX/XXXX of 2020 the creditor XXXX XXXX XXXX requested Experian to remove late payments for XXXX and XXXX of 2020 from my credit report. However, those late payments are still on my credit report. I tried to dispute these late payments twice with Experian providing proof that those late payments should be removed and the creditor requested them to do so, however, they are still on my credit report. Experian did not look into this issue carefully and my request was not met. I am attaching proof to this complaint showing that creditor reached out to Experian twice in regards to this matter, however, it did not bring any results and false late payments remain on 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 non-monetary relief
Consumer complaint received 2020-05-12
Company: DISCOVER BANK
State: IL
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:
My discover card was lost/stolen in XX/XX/2020 sometime because it was used in my area so I believe it was lost in my area. I reported it to Discover in XX/XX/2020. They claim they tried to notify me by email but I dont access my email a lot. They denied my fraud case because they said previous fraud claim and was used locally and their were returns made on the account also and not usual for someone when they use a lost/stolen card. Said some of the merchants were merchants I used before. I should not be liable for unauthorized charges. If I lost it in my area then someone in the area found it and used it in my area and the returns maybe they wanted to get cash back but could not. As for the other fraud cases, well I am not responsible maybe and sorry if I lost my card before but I am still not liable for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Army and Air Force Exchange Service
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to inaccurate credit reporting from XX/XX/XXXX to the date of this complaint. The debt which is the matter of this dispute is a credit card debt with the Exchange Credit Program ( Military Star Card ). 

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX ( XXXX ), a debt collection agency to which the Exchange Credit Program had assigned my credit card debt, to pay off my debt in a lump sum. I was told that my current balance was {$2500.00}, which I paid over the phone during the conversation ( copy of the check attached for reference ). In mid-XXXX, I contacted XXXX regarding inaccurate credit reporting because my credit report showed a {$40.00} balance and the debt showed as " past due account in collections. '' XXXX 's customer service representative assured me that the information would be fixed to reflect accurate reporting showing a XXXX  balance and that the account was paid in full. On or around XX/XX/XXXX, I contacted XXXX again with the same concern because the account was still showing as {$40.00} past due in collections. This time, the collections agent told me that the {$40.00} was, in fact, a credit for " overpayment '' and that I should receive a check from the Exchange Credit Program for {$40.00}. On or around XX/XX/XXXX, I received a check from the Exchange Credit Program for {$39.00} ( attached for reference ) ; however, the account still shows as past due {$40.00} with a collections agency. On XX/XX/XXXX, I contacted the Exchange Credit Program, the collections agent repeatedly ignored my concerns regarding the inaccurate credit reporting. My main concern in this matter is not the {$40.00} but rather the eight months of inaccurate credit reporting in violation of both the FDCPA and the FCRA.

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 2018-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account with Bank of America in 2017. At the time, I believed I was engaged to marry a man who was then out of town working on a job. He had a " friend '' of his deposit a check for just over {$36000.00} into my account to " cover the vast amount that I had sent him whil he was out of town and then to send him a " little spending money ''. I, of course, did not have {$36000.00} in my account to cover this check, so Bank of America called to confirm the funds. The originating bank called the maker fof the check, who not only said that he did not authorize the check, but that I must have created the check and then tried to pass it through my account, OF COURSE, I DID NEITHER OF THESE THINGS. For months I tried to get from Bank of America the address and person to send what really happened, because now I was unable to open XXXX banking account anywhere. For MONTHS, I got different Answers and NONE were right. Finally, I was given an address in Florida and ended up sending the letter THREE TIMES, only to find out that once again, I had been lied to and that the matter was handled both by XXXX and some Company called XXXX XXXX XXXX. By the time i received this information, I had been contacted by a Special Agent with the XXXX Department. It seemed that my " fiance ' '' was a very well known scammer who they have been trying to catch for a very long time. I sent all the information, along with the Special Agent 's name and contact information and their file number. I have sent this information to XXXX and XXXX XXXX Systems, but XXXX personnel tell me that even if you have sufficient supporting information, they are not in the habit of " admitting they might have made a mistake ''. I am well aware of this after having my wallet stolen and my Target card used with my DL, which was in my wallet, sending the same letter and supporting documentation to them FIVE times and they STILL refuse to take it off! Now, here I am having been scammed by the best of the best out there, I've been fighting for two years just to get the truth out of a bank on where to object to their decision, only to find out that the decision, apparently is in the hands of a company with an ego bigger than XXXX 's, Do you think that I am going to get a fair decision? Do you think that I will ever be able to have a checking account again? Do you have any idea how many of these scammers are out there and we are shut down because of their illegal activities???? Are you willing to help me?? I have been cooperating with the XXXX Department and have been told that the information I have provided has been invaluable, but that does not secure me a checking 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