BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
synchrony XXXX  is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
XXXX this is my previous complaint number, bank of america has been no help and they have destroyed my credit

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 2018-02-07
Company: Resurgent Capital Services L.P.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was able to transfer XXXX from my Ally account to another bank on XX/XX/XXXX. Then I transferred it back to Ally when they raised their rates. When the other bank raised their rates to exceed Ally 's, I again went to transfer the XXXX - but was not able to, and got a message " This amount exceeds your transfer limit. '' I messaged Ally to ask what's up and XXXX wrote back that Ally has a daily limit of XXXX for outgoing funds. I messaged back that Ally did NOT have that limit a couple weeks ago when I transferred funds, and they did not inform me of any change. XXXX wrote back ; she obviously did not read what I wrote, as she responded that " There is NO dollar limit for internal transfers. Due to a system limitation, some XXXX receive an error message when attempting to schedule a single internal transfer. ''

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 2019-08-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Spam junk mail - I have opted out

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I traveled overseas during 2019 for a period of 10 days. Upon return, XXXX/XXXX  XXXX charged my account {$360.00} for " roaming charges '' that were allegedly accrued during my trip. Knowing that there was a charge for this, my phone was on wi-fi only for the entirety of the trip. I pointed this out to the carrier and they said I must be mistaken, and that the charges are owed. Having not received service while i was overseas, i contested this with the XXXX. I also requested that they remove my credit card from auto pay as they repeatedly tried to draw the amount on a weekly basis. I eventually had to place a block on their efforts, cancel my account and switch carriers. To date they have still not acknowledged these predatory tactics nor tried to correct their erroneous charges. I have now been sent to collections for services not rendered.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Navient Solutions, LLC.
State: CA
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:
I have paid off all of my loans with Navient as of XXXX of this year. 

I previously used direct withdrawal from my checking account to pay my loans. 

After I paid off my loans and received my " Congratulations! '' statements, with XXXX ( XXXX! ) balance, I still am having the same amount withdrawn from my bank account. 

I called Navient for resolution, and they directed me to use the email interface from my login. 

However, I can't use that interface, because my accounts don't exist anymore. So I had to fight to have my complaint escalated. 

It was finally escalated ( in XXXX ), and the man I spoke to asked me to email him documentation that I was being charged. ( They couldn't look it up, because I have no account, because my accounts are closed, because they are paid off ). So I emailed him my documentation that shows " NAVIENT '' on my bank statements, taking out the same amount monthly. 

I never received a response. 

I wrote again, and no response. 

I wrote to the consumer advocate again in XXXX of this year, and here we are. 

I have now had 6 extra months of student loan payments withdrawn from my bank account. I can't stop the payment, it's a withdrawal from their end. During a pandemic they are continuing to pull money from me when I have dutifully paid my balance. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My order # XXXX was allegedly delivered via XXXX tracking # XXXX on Monday, XX/XX/2023 at XXXX XXXX. I immediately called XXXX XXXX XXXX to let them know that the package was never delivered. They said they would issue a refund, which I never received so I disputed it with my bank. My bank ( Chase ) issued a temporary reversal of the charge in the amount of {$87.00} until the investigation was completed. XXXX XXXX XXXX provided a proof of delivery photo from XXXX which it clearly shows that the package was actually delivered to someone else 's house instead of mine. I called XXXX XXXX XXXX back on XX/XX/2023 because the bank charged my account for the amount, due to a proof of delivery photo that was provided by XXXX XXXX XXXX. The photo that was provided by XXXX XXXX XXXX XXXX, shows the package on a mat in front of someone else 's house NOT MINE. The photo also shows that the garage is to the right of their porch and the number on the house is not showing in the photo. My garage at my home XXXX is to the left of my porch. You can also see the number is posted visibly on my house. I disputed the transaction with Chase and the charge was reversed due to the picture XXXX XXXX XXXX furnishing PROOF IF DELIVERY which was the photo provided by XXXX. After getting notice of the reversal charge, I contacted Chase and was told that due to the " PROOF OF DELIVERY '' photo which was provided by XXXX XXXX XXXX the investigation was closed and that it was nothing further that could be done. The representative just didn't want to hear that XXXX made an error. After explaining that XXXX delivered the package to the wrong address. I then filed a missing package report with XXXX, but was told that all resources were exhausted and the package couldnt be located. XXXX then informed me that I needed to again contact XXXX XXXX XXXX to file a claim for the lost package, which they refused after speaking with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Ive been trying to make on-time payments every month, but unfortunately American Education Services does not give me any options to lower payments or to lower my interest rates. I have asked time and time again for help but they give me vague responses and no help to deal with this problem. I want to pay and eventually free myself of student loan debt but my interest rates keep changing and going higher. I feel I will never be able to reach my goals of paying everything off. Im afraid if they go too high with my interest that I wont be able to make payments. My monthly bill is {$720.00} a month, now it could be at {$730.00}! When does this end? When will there be assistantance to people who want to do the right thing? Am I being scammed for my money? What can I do to pay the principal down? I havent had any answers or help for almost 10 years! I dont want my entire life to be about paying a company who wont work with me to pay them off. Im growing emotionally tired every day from the frustration and helplessness. Someone please tell me what to do? I cant even refinance this loan. My credit is just not strong enough. I was once instructed on the phone that if i wanted a lower payment I would first have to be delinquent on my account, but that hurts my chances of having a better XXXXredit score to refinance eventually. Nothing makes sense anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I checked my credit reports and noticed an entry from CBE GROUP. I was never notified by the company and this is a violation of the FCRA. I also sent CBE GROUP a cease and desist letter and they are still reporting a collection on all three credit bureaus. Please see attached cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI
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:
I was given a settlement agreement which I paid. It was in 2014 through XXXX XXXX XXXX XXXX XXXX The amount of the settlement was {$2200.00}.

XXXX XXXX XXXX XXXX is saying that I still owe {$3100.00}.

They are taking anything that I am supposed to get back from my Income taxes to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-03
Company: Experian Information Solutions 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 have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21
Company: Colony Brands, Inc.
State: AR
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:
XXXX XXXX, XXXX AND COLONY BRANDS ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX IS ALLOWING CLONY BRANDS REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, XXXX 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
Consumer complaint received 2020-03-16
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XX/XX/2020, I paid in full the loan to Cash Central in the amount of {$2500.00}, which has been confirmed by email. Starting this month, I am receiving 2x daily calls about " setting up a payment plan ''. My relationship with this business has been difficult from the beginning ; and, I should have ended it the first time they doubled billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
I have reported this XXXX previous times and trans union refuses to fix this incorrect information XXXX different names are reported on the report, but only XXXX name is required to be reported inwhich is my right name XXXX XXXX XXXX They need to check all spelling XXXX Address has been reported the correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This one I have never lived at this address and this must be removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I Have Never lived in 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 non-monetary relief
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Inaccurate information is on my credit report been reported late and unpaid

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 2023-07-10
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There were two hard inquires on XX/XX/23 on my credit report that XXXX alerted me of. 
One from XXXX XXXX XXXX and one from Discover on two new credit card applications that I never applied for. I called both companies so they said they would cancel the applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: GA
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:
This company violated the Fair Credit Reporting Act ( FCRA ) by failing to adequately investigate dispute claims on my account. The company also made it exceedingly difficult to update my information and remove inaccuracies, even though they aren't mine. Specifically, I have reason to believe that they conducted an unreasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that they provide me with the following information : 1. The date they contacted the creditors XXXX. The contact information for the creditors XXXX. The name of the person who verified the item ( XXXX ) for them XXXX. The method of communication they used to verify this information XXXX. Did the creditor provide them with my SSN, address, agreement signature, and Date of Birth? 

They have inadequately represented my credit file for over a decade and it is unfair for me to continue to suffer due to negligent, inaccurate, and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Experian Information Solutions Inc.
State: TX
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 NOTIFIED THE DIFFERENT CREDIT BUREAUS THAT MY SOCIAL SECURITY NUMBER HAS BEEN USED BY OTHER PERSON, USING MY CREDIT AS THEY WANT, THEY FAIL TO VERIFY IDENTITY AND I AM HAVING BAD REPUTATION, FOR THINGS I DO NOT EVEN OWN. I HAVE PLACE A POLICE REPORT, THIS PERSON REPORTS DIFFERENT NAMES, ADDRESS WHERE I HAVE NEVER LIVED AND HAS BAD DEBT, ALL UNDER MY SOCIAL SECURITY NUMBER. THE CREDIT BUREAU AGENCIES HAVE FAILED TO PROTECT MY WELL BEING, AND DUE TO THIS I BEEN HARRASSED, SEND TO COLLECTIONS, DENIED CREDIT. THIS PERSON HAS A MORTGAGE, CARS LOANS, DEBTS IN BANKS BUT I DO NOT HAVE ANY OF THIS.

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 2019-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2021-05-05
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE.

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