BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: SYNCHRONY FINANCIAL
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:
According to a report from Transunion ( reported on XX/XX/XXXX 2020 ) I opened a credit card/loan with XXXX with a credit limit of {$6000.00} and a balance of {$4900.00}. My boyfriend went through XXXX and opened a credit card with them for this amount, and he gave them his social security number and allowed me as an authorized user on the card. XXXX never asked for my social security and I never gave them any authorization to run my credit. My credit report is now saying that I have {$4900.00} in debt with XXXX and they ran a hard report which dropped my score significantly. When I contacted XXXX more than once they denied 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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am so upset with Chase Bank and regret opening an account with them. I was approved for the SBA EIDL Loan, and went through underwriting process, SBA determined my eligibility and qualification as an XXXX 1099 XXXX, and approved me for the loan and deposited into my personal checking account. As an XXXX XXXX XXXX  XXXX earning 1099, I do not have to have an EIN number to be qualified for EIDL program. Chase is mandating to show an EIN verification form in order to release my funds. Chase did not approve me for this loan, Nor are they the issuer of the EIDL loan program, to determine eligibility or even set their own requirements. They can not mandate me to have an EIN number to be qualified for this loan, when it is not the requirement of SBA EIDL eligibility and qualification, 1099 individuals are also quailed for this loan, and they can not freeze my funds. Chase is only the bank holding my funds, but they do not determine or qualify individuals for EIDL nor can they set forth their own requirements for this loan. If they do not accept any ACH wires from the SBA they should have rejected the funds and not accepted them, and I would've just used a different banking institution that accepts EIDL funds in personal checking accounts. I can not open a business account without an EIN number, and as a XXXX XXXX   1099 XXXX, im not obligated or required to have an EIN. and I am repeating again SBA accepts 1099 XXXX for the EIDL loan. I tried resolving with chase, and they refuse to listen, they have the worst customer service representatives who don't even listen to you when your talking, they are like trained robots, who only say what's written in front of them. I have requested for chase to send back the funds to SBA, they are refusing the send back the funds, I have contacted SBA to recall back the funds, but they said they do not recall back the loan once the funds are deposited. So now the money is stuck In that account with chase, refusing to send it back, and I am liable to to pay back this loan, when I didn't even receive the funds. PLEASE HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AES/PHEAA
State: ME
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:
XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have never heard of this company until they filed a debt in the amount of {$1400.00} on my credit reports. This company has listed a XXXX XXXX XXXX as the original creditor. Again a company I have never heard of or had any contract or business with. I requested validation of debt via credit bureau dispute on XX/XX/2018 when I first learned of this account reporting on my credit report. This company returned the results on XX/XX/2018 as " accurate '' still with no verification. I do not have or never had any debt with this company or a XXXX XXXX XXXX. I have never received a phone call or any written correspondence from either company. I have sent a request via certified mail XXXX XXXX XXXX XXXX XXXX XXXX requesting validation of alleged debts including amounts and for what product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My profile had been used at Bank of America by a family member without my knowledge to perform transactions in a prohibited manners-un-authorised check deposits/withdrawal for about 3 times. 

The accounts had since been closed by the bank but my SSN, names and other details listed on early warning are INACCURATE ; I had logged a dispute with early warning and had requested bank of america to thoroughly investigate the transactions to no avail. 

pls i need your assistance in clearing my names and details from the inaccurate listing.

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 2021-08-06
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a flight on XXXX for XXXX The flight was a XXXX XXXX flight The flight was continuously changing then was cancelled due to covid by XXXX XXXX I called XXXX to process the refund, I received an email that I was given flight credit and that if they cant honor the flight credit that Im eligible for refund I called XXXX XXXX on XX/XX/XXXX to book a flight using the credit. They advised me the credit was not eligible and that the flight can not be booked unless I pay full price I called XXXX who contacted XXXX XXXX to process the refund. They hung up the phone so I disputed the charge with chime. After 6 months and providing documentation chime still has not returned the flight costs or the baggage fees I was charged twice for

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company in question, Amsher Collections CVCS, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX - is collecting a debt on behalf of the original creditor, XXXX XXXX, in the amount of {$1000.00}. The open date listed on my XXXX credit report is XX/XX/XXXX which is incorrect. I was unemployed at this time and unable to get any loan products from any financial institution. However it is listed as a recent collection on my credit report which has caused me to be denied a startup business loan from XXXX, a lender out of XXXX XXXX XXXX, UT, which reported they checked my credit report and it showed this XXXX account as a new collection as of XX/XX/XXXX. This account has been removed from my other credit report file in which I disputed it and it was removed. I tried disputing it on XXXX, but it did not get removed. This is false reporting by this collection agency and they re-aged this account after acquiring it from another collection agency in an attempt to hold on to the account longer than the statue of limitations for the state of Alabama, which is my legal residence allows. This agency has not contacted me or attempted to contact me in any way. This negative posting on my credit report has caused a hardship in that it has denied my family the chance to move forward with a business venture that would tremendously improve our economic standing and provide a quality service for the community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received by mail a notice of collection from a company ( PennCredit Corporation ) I never had any comercial relationship representing an Utility company ( XXXX ) for a debt ( XXXX dollars ) in an address I never requested or had any contract for electricity.. 
I never received any call, just a letter dated XX/XX/XXXX in which they ask me to dispute the validation of the debt but today XX/XX/XXXX I received a notification from my credit monitoring indicating that PennCredit Corporation already put this account in my credit report in clear violation of the FDCP.. Less than a week of receiving a letter and they are asuming this debt belongs to me without giving me the oportunity to reply according to the regulations for collections company number XXXX in the consumer affair of New York XXXX 
Also the Credit Bureau and PennCredit are hurting my score by placing false information in my report ... 
PennCredit Corporation violate my right tp request validation of debt in writing and placing a false debt to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2017-11-05
Company: SRA Associates, Inc.
State: NJ
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 XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've have several inquiries showing on my TransUnion credit report that I don't recognize. These items are listed below : XXXX XXXX plus XXXX 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 2018-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During 2016 it shows two missed payments in XX/XX/XXXX and XX/XX/XXXX. I do not have any delays on my payments since I have my capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My son who died at age XXXX last XXXX has a mortgage with Roundpoint Mortgage on a duplex in XXXX Indiana. It is owned by the family partnership that I created in XXXX. He gave me authorization to access the account on XX/XX/XXXX. I received an escrow information statement about 1 week ago but was unclear if it was a bill or just a notification. When I called for clarification, they said that once I notified them of my son 's passing last XXXX, my access to the account had been terminated and they couldn't help me. I stated I have the amount and just want to know if it is a bill so I could pay it and not be delinquent. After talking to a manager, XXXX XXXX, and not getting clarification, I said I'd like to pay off the mortgage. He said I could not pay it off since it is in my deceased son 's name and I need to obtain legal advice. 
We reside in California and I am the legal heir. California probate law states if the estate is under {$150000.00} we did not need to go through probate court. He was single without children. 
No where in the Roundpoint authorization does it state that it terminates with the death of my son. 
I've attached the death certificate, the California probate code, and a letter from our attorney to his employer. 
Can you help me. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I sent a letter to the collection agency to validate this alleged debt. On XX/XX/2018 I received a letter saying they " verified '' it but determined that my " dispute '' didn't contain sufficient information to resolve the matter. I do not owe this company anything. The original debt from, XXXX SOLD this account to the collection company, XXXX  XXXX. In the US law  encyclopedia, XXXX   XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called the debitor they say this loan, two of them are mine. I called XXXX and XXXX XXXX they told me this was done electronic with a electronic signature .I was out school in XXXX was paying one one loan to government student loans XXXX and XXXX XXXX only.. Then this shows up on my credit XXXX, that I went back to school took out more loans .I stopped paying my loans to get this fixed and removed as fraud .I called XXXX and they say I owe for a colorado college loans I know nothing of colorado student loan.. I never did online signatures and I only went to one school which I have documentation to and payments. I told XXXX this, now they are saying I agreed to pay XXXX dollars a month payments .. I did not agree to anything with them.They are sending me bill statement thru the mail now. This is harassment to me. I had a fraud alert on my credit for yrs and yet this happens to me now. Why was my fraud alert lifted off my credit reports this would not of happened it alerts were still on the credit reports. How do I get this XXXX school loans off my credit reports and how do I prove fraud???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid an account that was charged off in the amount of XXXX. The money was electronically debited from my checking account on XX/XX/XXXX. Synchrony/JC Penney is telling me i have to wait 21+ days to get a letter showing my payment and that the account balance is paid in full. They didnt even send a receipt for the EFT from my checking account. I've talked to 3 or 4 representatives and each one has given a different answer about the wait time i.e. 21 days vs 21 business days. I have a home loan pending and i can not move forward without a letter and i planned around 21 days from the payment date, which is the info the last rep gave me, now as of today its 21 business days. Each rep has been unable to even give me an accurate date of when i can expect the letter to be available i.e what is the earliest date the letter can be generated? One person i spoke with today said 1 more day and that he would be filing a complaint internally. now the manageris telling me no letter will be generated until XX/XX/XXXX. I need help. Im a single mother of XXXX kids trying to purchase a home

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 2017-11-05
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

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 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing multiple credit reports, I notice an unauthorized inquiry was placed by XXXX XXXX on XXXX/XXXX/XXXX. I spoke with a sales person informing them that i was not interested in a new line of credit and I did n't not want my credit pulled!

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 2018-09-03
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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX   XXXX : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit was checked for a home refinance and at the time I was informed that my name is on collection. All my bills are always paid on time. I had never received an attempt to collect a debit. I have tried to communicate with the company listed on my credit report but was unable to find any contact number. I sent a written letter to the POBox provided on my credit report on XX/XX/XXXX but they have not replied to me. 
Collection Agency : XXXX XXXX XXXX XXXX XXXX address XXXX, XXXX, MA XXXX Opened date : XX/XX/XXXX Past Due amount {$390.00} Original creditor : Medical Payment data : Medical I have also contacted all my doctors and the hospitals that I had services on and all of them reported to me that I do not  have any outstanding balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation