BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: I.C. System, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had a collection on my credit report I paid in full XXXX  months ago and its still on my credit report I need it move before XXXX I paid XXXX dollars to XXXX in XX/XX/XXXX th account in full not collection agency contacting me saying I how to pay I got bAnk statements to prove I paid

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 2021-06-30
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.

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 2021-06-22
Company: ERC
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: DISCOVER BANK
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: MoneyLion Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was aware that I was the victim of identity fraud as someone successfully requested unemployment benefits from the NYS dept of labor in my name. I have since frozen my credit on XX/XX/XXXX with all 3 major credit agencies. I also signed up for credit monitoring. So far no alerts. 

On XX/XX/XXXX, I received a letter from Moneylion with a legitimate appearing debit card. I did not request this card and I have not activated it. From my reading this may be a bait card intended to obtain personal information. I am unable to reach this company as they are difficult to get a hold of and their website does not have contact info that works such as an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my loan through XXXX XXXX XXXX. I am military and in the process of relocating in the process some how there was a mix up and the auto payment did not go through for XX/XX/ they did not notify me of this issue until recently. I have since been in the process of buying a new home and they have incorrectly placed a late payment and reported to the credit bureaus for XXXX as well. So now that I am trying to close on my home I have 2 late mortgages reporting on my credit report which is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ProCollect, 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:
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law

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 2019-10-25
Company: United Group Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This loan is listed as an auto loan. This is not an auto loan and was never related to a vehicle purchase. It only is it reported incorrectly on my credit report, it is over triple the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Violations under Fair Debt Collections Act.

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 2021-11-27
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-01-21
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank has improper consumer lending terms and conditions that can unexpectedly impact your credit score. According to the terms and conditions of a store credit card, they are able to close your account without warning. The credit card was canceled because a payment was accidentally made with an old bank account. The old bank account was rejected immediately and the payment was made with the correct bank account. The account always remained current and no payments were ever missed, but of course none of that matters to Synchrony. I was not notified until the account was closed. Upon calling the customer service hotline I was met with extremely rude and unprofessional representatives who were anything but helpful. Our credit score ( we are currently on the market for a new home ) will be irreparably harmed by making the unfortunate mistake of deciding to use Synchrony Financial.

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 2021-06-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I signed up for autopay to pay student loans but somehow it never went through. 4 months went by ( XXXX ) and I noticed the late payments. I immediately got with Edfinancial and they had us sign up for forbearance to rectify the situation and back date those payments. I was assured by the representative that it would take care of the missed months as well as remove the late payments from my credit reports for those 4 months. I signed up got everything squared away and notice only the month of XX/XX/XXXX shows no reporting and the rest ( XXXX ) are being reporting late. I called again and they said it could take 30-60 days to show up on credit report. I called back Again after the time frame to explain the situation, and how i was told it would be back dated and those late payments would not be on my credit report. I was told they only remove from some people but not others and that they couldnt remove them from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Credit Bureau of the South, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This started in XX/XX/2020. I monitor my credit report and a negative collection showed up. It was for XXXX dollars. I have called many times to the collection company and I was told to call the original debtor. I have never received a bill or a notice that I owe this and could dispute this. However I did dispute through the credit bureau. The dispute was ended by the collection agency somehow. To this day neither have validated the debt. I have also called the original debtor and have not received anything to prove the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This apartment complex added Debit on my credit report for {$3400.00}. I never lived there in my life I never lived in that city were the apartment complex located. XXXX XXXX in XXXX Kentucky. I tried to dispute multiple times through my credit bureau. I have all evidence to support that Ive been living where I currently live for the past six years of my life. I need this removed please. Its affecting my credit score big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The bank behind the XXXX card is XXXX XXXX. This card has been charging me large late fees, and not applying my payments to the balance. My balance is going up and not down. I did email them, but it has been more than 3 months of late charges on my account. I had not seen where any of my payments applied to my balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
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: Reporting company used your report improperly

Complaint:
Company accessing my credit report without my consent and also charging fees for using their ATM Machine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a cash advance of {$500.00} on XXXX XXXX'18. After the cash advance, I made a payment of {$500.00} on XXXX XXXX'18 and {$750.00} on XXXX XXXX'18. I was expecting Chase to apply the  additional payments in that month to cash advance as it is the highest APR. 

The customer representative initially kept insisting there was no payment of {$500.00} made in that month. When I asked to be connected to supervisor, the supervisor told me the rules around Cash advance APR could be tricky and Chase charge interest on cash advance until the next statement is generated. During our conversation I am not sure if she hung up or call got disconnected but I never received a call back. 

It is unfair for me as a customer as I made the payment to avoid high interest balance but Chase has different ways around that rule. 

The rule says that any additional payments should be applied towards high interest balance. When I made more than minimum payment Chase should have applied those to Cash advance as it started charging interest on the Cash advance at the time of payment. 

A few other discrepancies I observed in my statements : 1 ) When I refer to statement generated in XXXX'18, the amount subject to cash advance amount is {$370.00}. As per the supervisor, if Chase doesn't apply additional payments towards cash advance until statement is generated, then how did balance subject to Cash advance went down from {$500.00} to {$370.00}? 

2 ) Then in XXXX'18 statement why did balance subject to cash advance jumped to {$530.00} when there were no Cash advances in that month?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
While looking for a new car, XXXX car dealership ran credit reports through 3 different agencys when I authorized only 1

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraudulent XXXX  XXXX has been removed from my Account # XXXX XXXX and TransUnion are fraudulent on the following accounts : XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX on my credit Acct # XXXXis fraud. 
XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX is fraudulent on my Account Number : 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 2018-02-14
Company: Navient Solutions, LLC.
State: FL
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 currently owe Navient {$24000.00} for two loans : original amt {$10000.00} and {$15000.00}. I also have loans with XXXX that total roughly XXXX, bringing my total to approx. {$44000.00}. 

Yesterday, I called Navient to discuss a IDRP form that I sent in and other possible options. I advised my loan processor XXXX that I was uncomfortable with the IDRP form after doing research on what happens to your loan forgiveness amount. I explained to her that I was concerned about the forgiven amount becoming " earned income '' that I could be taxed on in the future. XXXX said she had never heard of such a thing. I tried to explain that it was true, but she wasn't listening. This gave me zero confidence in her abilities to advise me on anything. She then proceeded to inform me that my total loan amount had jumped up to {$69000.00} in six month 's time. I told her that this must be a discrepancy and she said that it was not, and in fact, was compound interest of exactly {$24000.00} in that 6 month duration. I went onto the XXXX site to look over my loans and saw that it appeared to be a duplicate entry as the total owed amount is exactly the same on both lines. XXXX put me on hold so she could speak to her supervisor and then came back and said that the amounts were correct and that it was compound interest. I explained to her that there is no way I could have accrued that much interest in 6 months and why wasn't this told to me if that was the case? I then asked her to provide me a report showing all the charges I've incurred on loan via email, and she did not agree, but said she would call me back in 30 mins. That was over 2 hours ago. 
I tried to call the XXXX of XXXX XXXX, but they were not helpful and just asked me to call Navient again or file some kind of discrepancy dispute form on their website. 
If they are allowed to charge that much interest in that short amount of time, then that is criminal. I have never seen a more perverse system that entraps people so deeply and cruelly. Something must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Last year I filled a complaint about a loan Navient is trying to make me pay. Complaint File number XXXX. In the response I received from Navient they reference paperwork attached to the response that is not there. I have no idea what consolidation Navient is taking about. I never signed anything but my deceased ex husband alway ALWAYS signed my name on anything he wanted to. This is fraudulent and I want my name and social security number taken off this loan please. 

I never attended college. I did go to beauty school in 1986. Thats 32 years ago. My small loan was paid off. Any consolidation is from my ex husbands loans from XXXX University. Im not responsible. In my first complaint I attached copies of the judges orderes releaseing me from XXXX XXXX debt. 

Again any signatures with my name were not signed my me but FORGED from my ex-husband.

Company response to consumer: Closed with explanation