BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-27
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Repeated calls from the below phone numbers before XXXX..some as early as XXXX. Commenity bank XXXX XX/XX/19 - XXXX XX/XX/19 _ XXXX XXXX XX/XX/19 - XXXX I'm sure there were many more times but my phone only holds so much information.. please advise the next step as this continued harrassment and waking up my young daughter when they call is unacceptable. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One Bank has had several request to remove all my debit and checking cards removed from there file as payment my personal debit cards and checking account cards and information removed for payment. Remove all forms of payment regarding this account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX are reporting incorrectly a charge-off in the amount of {$4600.00} on XXXX XXXX XXXX partial account number - XXXX. ( Please see page attached from my credit report. ) The vehicle in question had full coverage insurance. This bill should have been paid by XXXX XXXX however, they denied my claim. I have attached a copy of my coverage information which clearly shows the vehicle was insured. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2020-07-28
Company: Experian Information Solutions Inc.
State: SC
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:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I

have been on income-driven repayment plans since I graduated law school in XX/XX/XXXX. I have never missed a payment and have timely recertified each year -- that is, until XXXX  provided me bogus annual recertification deadlines, then used my " late '' application to capitalize $ 50K+ of interest on my student loans. After two complaints through the CFPB ( see, e.g., Complaint No. XXXX ), XXXX finally acknowledge and corrected about $ XXXX   of the $ XXXX of capitalized interest. Now, it is important that XXXX   addresses the remaining $ XXXX  that was capitalized due to their predatory scheme.

Prior to my XX/XX/XXXXannual recertification, I received a letter providing an XX/XX/XXXXdeadline. A month or so later, I received a letter providing a XX/XX/XXXX recertification deadline. At the time, I didn't realize that the first letter was for my loans under the IBR plan and the second letter was for my loans under the REPAYE plan. And why would I? I've always recertified a single time each year and had no reason to believe I would suddenly have two different deadlines. And XXXX  was not even asking that I submit two applications for the two different plans ; only one is required.

The fact of the matter is that the later XX/XX/XXXXdeadline is completely bogus. The only way that I would not have been penalized is if I had followed the earlier XX/XX/XXXX deadline and ignored the second letter altogether. But in my not realizing XXXX changed the game ( two deadlines for one annual recertification ) and my relying on the most recent letter I had received, XXXX had contrived a scheme that, in practice, was used to mislead me then catch me on a technicality, giving XXXX   reason to capitalize ten of thousands of dollar of interest.

Please consider, too, that I was/am already swamped with $ XXXX in student loans without all this capitalized interest and I have always paid on time and even pay additional amounts monthly. I have been an ideal customer with a reasonable explanation as to how this happened, and I hope XXXX will do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV Funding LLC added two derogatory mark against my credit report. This is a collections agency that I have no agreement with. After getting an alert that this collections agency had placed derogatory marks on my credit report, I wrote them a letter to dispute said debt. I have yet to receive the letter from them stating, confirming and validating said debt. The letter was written to LVNV Funding LLC in XXXX of this year. We are now in the month of XXXX heading for XXXX. And yet I wait. 

I never received any correspondence from them. I only knew that they placed a derogatory mark on my credit report when I got the alert from XXXX XXXX. 

They did it for two separate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Medical Data Systems, Inc.
State: MD
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 debt with Medical Data Systems on XX/XX/XXXX and it was signed by XXXX XXXX via certified mail. They passed the 30 day time frame and removed debt off my report. I later received mail on XX/XX/XXXX regarding account no XXXX, XXXX, XXXX and XXXX sating that the debt had been verified and that the XXXX XXXX XXXX XXXX  has provided them copies of an itemized bill. This itemized bill that they have provided me with has copies of diagnosis, what kind of test had been taken place. This is in violation of the HIPPA law. Please be advised that under Federal Statutes, The FCRA ( 15.U.S.C.1681 et seq and the state of Maryland consumer Credit Statutes and subtitle D of the ARRA, SEC . 13041. APPLICATION OF SECURITY PROVISIONS AND PENALITEIS TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; AND SEC. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. They may be liable for the actions of ( Medical Data Services ).

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 2021-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My capital one cards are all paid off and I go into the XXXX app and it says I owe XXXX $ and another account idk I owe XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: SYNCHRONY FINANCIAL
State: NC
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:
Synchrony Banks - Cards - Rooms to Go -XXXX XXXX  XXXX XXXX Discount Tires XXXX XXXX XXXX XXXX Synchrony Bank closed both of my accounts destroying my credit. both accounts and Rooms to Go and Discount where current. They closed my accounts without notice and for no Reason. The XXXX XXXX XXXX  has on file over Synchrony Bank which include over 5,000 complaints again the bank. They will not answer any questions from me. They gave me no explanation for why they closed my accounts.

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 2018-03-07
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX XXXX {$510.00} half of the total {$1000.00} due to XXXX XXXX, this was supposed to clear my debt and remove it from my credit report to which neither has been done. I checked with XXXX XXXX and it says I paid 50 % of my bill and it is still on my report. This was all done over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: International Collection Systems, Inc.
State: AZ
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:
International Collection systems ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) is showing a debt for XXXX XXXX University for {$1100.00}. I never had an account there. XXXX XXXX is saying they have a contact, but it is the incorrect social security number. Both are refusing to acknowledge it is identity theft and remove the debt and collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: IL
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 recently mailed Credit Bureaus a letter disputing items appearing on my credit report, which they maintain. They response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Their response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. They are still bound by the 30 day investigation period which has now lapsed. The following items must be removed : 1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. This account resulted due to identity theft. 
XXXX  XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XX/XX/2018 Reff. : # XXXX I received a voicemail on XX/XX/2018 from XXXX XXXX informing that she send all requested documents to the CFPB and to my address. Today is XX/XX/2018 and I never received the documents by mail. I left a message to XXXX XXXX to call me back immediately she left the message and i still do not have a return phone call from her. I accessed the information in The CFPB and I can not see the the copies of the evidence of checks on the Account # XXXX. I am still confused on how they got to that amount. 
Once again, I am only requesting evidence of copies of checks with signatures to confirmed all transaction made on this account. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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 am XXXX XXXX and I'm submitting this complaint myself and there is no third part involved. 

Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Also, pursuant 15 USC 1681b ( 4 ) ( c ) ( 2 ) I demand the removal all inquires being reported.

Notice Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX - present I called XX/XX/XXXX to inquire about XXXX benefits on this card after realizing my interest rate and becoming aware I was entitled to benefits as an XXXX XXXX spouse. 

I spent over an hour today with Synchrony Bank ( Amazon Store Card ) to follow up on the request that my XXXX Benefits be applied retroactively as prescribed by law. They gave me two incorrect phone numbers- and eventually told me that there is no one to speak with regarding the issue. In the last year of statements alone, interest above the stipulated cap is {$910.00} which needs to be refunded to my account balance. I have requested historical statements so I can calculate the amount of interest that needs to be credited back to my account. This is disappointing that one of the largest retail credit issuers for store based cards has no transparency or process. Other creditors ( XXXX and XXXX ) have handled this request in the matter of minutes.

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 2018-03-19
Company: Van Ru Credit Corporation
State: MA
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:
This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of 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 2017-11-21
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:
I have an account on my personal credit reports ( Equifax and XXXX ) with XXXX XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( XXXX and Equifax ) in order for the collection to be deleted from my credit file and they have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: AmeriCash Holding LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a letter on XX/XX/207 notifying me of potential wage garnishment due to a missed payment. The notice stated I had 20 days to communicate with Americash to discuss my options and that wage garnishment is not required. However, the notice was also sent to my companies HR department the same day, XX/XX/2017 allowing me no opportunity to discuss my options before contacting my company. My HR department immediately put the wage garnishment into effect ( my payday was a few days later and it was already reduced ). I was embarrassed since the letters were received at the same time causing me to be completely blindsided. I was given no chance to discuss my options and had no control over my own finances. Not to mention the reduction in my pay caused me to miss my rent payment and lead to other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just recently checked my credit scores and noticed some hard inquiries I dont recognize all the companies are in the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CITIBANK, N.A.
State: PR
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 was reading my credit report from XXXX and found that my credit score is affected by an account of a credit card that is not mine. The account is now closed, the balance is higher that the credit limit, the account does n't receive a payment since may and my credit is suffering. It says that I am authorized user and I have n't authorize nobody and no company to put me on any credit card of nobody. The account type is " Flexible Spending ''. The account was opened on XXXX XXXX, XXXX and closed of XXXX XXXX, XXXX. The actual balance is {$3800.00}, the limit is {$3400.00} and the highest balance was {$3900.00}. On payment status it says 120-149 days late. The creditor name is CITICARDS CBNA. I called XXXX and they told me they ca n't do anything because the receive the report from the creditor, that I need to call the creditor. I called CITI and they told me that there is no account by my name and that they have credit cards also for a lot of stores and that I need to call XXXX ( the ping pong game ). Now nobody can help me and my score keeps going down.

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 2021-06-07
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: Account information incorrect

Complaint:
I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). On Equifax the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. Equifax is also reporting a date of last payment of XX/XX/XXXX which is not reporting to XXXX or XXXX.

Company response to consumer: Closed with explanation