BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-17
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
I have several loans with Navient that were reported late around XXXX of 2017. This was in error as the company had not applied the agreed forbearance or deferment. After several months this came to my attention and the account was rectified with charges reimbursed and the proper status applied to the account. The account service did not correct the late payment history and as such the 6 loans each report 5 late payments adding 30 late payment marks to my credit report and affecting my credit score negatively by more than 100 points. This drastically affects my ability to get a home and provide for my family. When calling Navient some representatives apologize and tell me they will correct the mistake. Several months later the error still exists and when I call back new representatives tell me they will not make the change and there's nothing I can do. This error was made due to their loan servicing and needs to be corrected to remove the late payments as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have completely paid off my debt to CBE group and it has been removed from the credit report. XXXX has not been updated about the payment and they are still trying to charge me for it. I have tried multiple times to contact CBE group and have left multiple messages. Every time I call and don't leave a message the phone is on hold then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSWORLD SYSTEMS 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: Account information incorrect

Complaint:
On XX/XX/XXXX, I realized that XXXX placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XX/XX/XXXX, the XXXX XXXX XXXX account was updated. On XX/XX/XXXX, I contacted XXXX  regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that XXXX is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called XXXX  back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital one Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX account balance incorrect and contact made to the company. Was advised technical support needed to activate the account and correction would be made. 
XXXX unable to access the account. No changes made. Advised still waiting for access to be made. 
XXXXbalance not corrected. Advised of manager callback. No call back received. 
XXXXcalled in regarding missing payments and fees still showing charged. Advised adjusted in their system but not showing on statements that I received. 
XXXXadvised rep of balance not correct for car to be paid off in 2 months. Rep stated info sent to manager to review XXXX received bill showing XXXX as remaining balance due with 96 % paid of the account and 3 of 72 payments made XXXX reviewed account and showing balance now XXXX owed with 3 of 72 payments remaining and 96 % paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Bank of America Debit card for Unemployment was stolen and all the money was taken out. I filed a fraud report and disputed the transaction, and after Bank of America did there investigation they found me not liable, and sent a letter stating that the funds we now permanent, well I still havent received those funds and my account is still negative 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 2021-03-27
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
I've never felt more scared they come banging on my front door they call me nonstop even showed up at my place of work I've never had any business with them please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

US DEP ED XXXX {$34000.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$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 explanation
Consumer complaint received 2020-02-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off 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 2020-11-19
Company: EQUIFAX, 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:
After taking a look at my credit report, I found an account that isn't related to any transactions done by me and I have no knowledge of this account. This is an error or a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self

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 2020-11-19
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I C System added a derogatory mark on my credit report per XXXX XXXX. upon further research, this account was transferred/sold and I am no longer responsible for the account. I C System did not verify this collection. Also there was NO written form of communication, contract, or signature of this accused debt at all. a bill with out a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, I C Systems has violated my rights as a consumer and I'm requesting legal action to remove this account 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 2018-02-27
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: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.

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 2021-03-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft. All s being investigated by the FTC. According to FCRA 605B, This information must be blocked immediately until the investigation over.

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 2020-11-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, 2015, my monthly auto payments for my XXXX were not going through and I was out of the country in XXXX. I thought my car was on auto bill payment but it wasn't. I ended up staying in XXXX for longer than expected and while I was out of the country the car went into collections. They never notified me of the rejection and and now I am unable to finance a car because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-11-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: JPMORGAN CHASE & CO.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Previously I reported a fraud associated with my chase sapphire credit card. It is a {$1400.00} transaction to the online XXXX store on XX/XX/2021. 

Chase reviewed this ( two documents are attached ), without giving me any explanation, declined to admit this is a fraud. 

In this process, I contacted their customer service multiple times. The most recent one is on XX/XX/XXXX, the previous one was on XX/XX/XXXX, etc. I kept saying that I would like to provide some evidence, but they kept asking me to wait, refusing to talk more about this. I also sent them an email providing more evidence. Details are not included here as instructed. 

I am disappointed by the way they dealt with this issue, by their ignorance and carelessness. I have never had a problem with credit card companies before this, but this time I'm stunned that chase is not even trying to solve the problem for its customer. 

I wish you could help me with this case. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
Account was opened fraudulently using my personal info. This was not authorized by me.

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 2023-02-28
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:
Dear sir or madam, I recently did an investigation of my credit report and found 1 incorrect item on my credit report. 

The account XXXX XXXX last reported on XX/XX/XXXX does not belong to me. This account was opened fraudulently and was not authorized by me. I have not done any business with XXXX XXXX XXXX 

I have contacted XXXX XXXX on multiple occasions to report the fraud and have asked for them to stop contacting me regarding this account as it does not belong to me. The harassing calls all day/night never stopped and now this account is appearing on my credit report. 

I contacted them on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have never done business with XXXX BANK AND DID NOT OPEN UP THIS ACCOUNT WITH THEM. I would very much like to ensure my credit report is accurate .Please update me with a full report on your findings. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

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 2021-03-27
Company: Convergent Resources, Inc.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the company Convergent today, XX/XX/XXXX, stating that I owe the company XXXX a debt of {$560.00}. The letter is dated XX/XX/XXXX. I have never received a bill from XXXX or have an account with them. I used XXXX 's service in XXXX when I worked for them, and paid about {$20.00} a month. I never owed them a bill as I paid them off and switched companies. XXXX has never repored a debt to any of my credit report companies and upon researching this I have found many people that have been contacted by Convergent for debts that they have never heard of, many for XXXX. I immediately called XXXX and talked to a representative. Since I do not have an account with them they stated to disregard the letter as it is possibly fraud. The rep stated that if I get another letter to go into a XXXX  location and show them and to have them report as fraud. They couldnt do anything further for me over the phone. I am afraid this company is trying to collect a debt on a fraudulent account opened using my information. My credit reports have stated i have had past information involved in data breaches from different companies. I will not be contacting the company Convergent as I do not want them to start calling me or trying to collect more information from me. I am locking my credit reports at this time but i fear that this company will be able to report this debt to my account when I do not pay. I will dispute it if they do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CL Holdings LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Jeffersonal Capital Systems, LLC has been reporting a negative closed account from a car loan I was ( cosigned ) on on my credit report. This loan was involved in a class action lawsuit in which the original creditor ( XXXX XXXX XXXX ) was required to completely forgive this debt and completely remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: SYNCHRONY FINANCIAL
State: AZ
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 am a victim of identity theft. The tradeline, which appears on my credit report from XXXX XXXX XXXX/SYNCHRONY BANK last reported on XXXX XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both XXXX XXXX XXXX/SYNCHRONY BANK individually and have not received any reply back.

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