BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: Convergent Resources, 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: Information belongs to someone else

Complaint:
Upon checking my credit on XX/XX/XXXX, I see an account reported to XXXX This account is not mines. I reached out to the original creditor XXXX fraud department on XX/XX/XXXX and they told me that they have no knowledge of this account being reported to my credit to equifax or any other collection agency. They have no records of it The information was not furnished by them. 

Collection Agency CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXXACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact CONVERGENT OUTSOURCING , INC . 
XXXX XXXX XXXX XXXX XXXX WA XXXX I reported identity theft to the FTC on XX/XX/XXXX the reference # 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 2021-05-24
Company: Experian Information Solutions Inc.
State: IN
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:
Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX  finally removed the accounts, EXPERIAN and XXXX  failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.

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 2020-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
XX/XX/18, my account through XXXX XXXX was closed and sent to collections. My dispute with XXXX  was over a debt reported with an incorrect balance. I was contacted by Portfolio Recovery and I also disputed the accuracy of the balance directly. Both disputes were denied. I disputed the balance they have because the card maintained by the original creditor, XXXX XXXX, was a secured card with a credit limit of {$200.00}. XXXX XXXX allowed a merchant ( XXXX XXXX XXXX ) to force debit authorization for an amount that should have been declined because the requested amount was way over my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, my previously earned miles from Discover Card Services was unexpectedly converted to cash. There was no notice given. Contact with the company stated that : " I am so sorry about this happening, but I can send you the terms for your account where it will talk about cashback/miles being forfeited or cancelled at our discretion. Would you like me to do that? '' They then disconnected the chat on me after I wasted an hour with them. 

I will be closing my account and advise others to as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company needs to stop harassment immediately. They should stop making false claims. They need to seize all contact. They need to stop stalking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am getting married in XXXX and I have make payments to vendors for wedding and each time I make a payment from my personal checking account my bank charges me a convenient fee. Which I have never been charged before. I dont understand this fee. So if I go on vacation and use my debit card Im I to be charged a service fee to pay hotel in XXXX, XXXX can far. 
Also when they charge this made up fee it has caused my account to go negative and it snow balls from there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We fell behind on our mortgage payments because of being furloughed due to COVID. We went ahead and submitted for a forbearance to protect us until we went back to work. During this time, my wife applied for mortgage assistance through our county and was approved for {$10000.00}. XXXX County clerk of court in Florida sent XXXX a check with a letter stating what and who it was for. After over a month of us calling to find out why they check hadnt cleared and PRMG telling us they couldnt find any check, we found out that they had returned the check to XXXX County because there was one missing number from the loan number that was printed on the check even though there was a letter with the check that had the complete loan number on there. It was no difference than mailing a payment coupon in with a personal check. The county canceled the first check and reissued it making sure that the complete loan number was on the check. The second check was mailed out on XX/XX/XXXX. We have called again and are still being told that no one has any clue about this check. I was told in XX/XX/XXXX to send an email to customer service with all my emails from the county attached. We did that and received a response that they couldnt take emails like that and we needed to go through their portal, which takes at least 4 weeks to get an answer from them. I have tried to ask about the check through the portal and get no answer in return. They cant seem to find a {$10000.00} check! We have since sold the house because we couldnt catch up on our mortgage because they couldnt find this check and lost out on money we should have profited on because they can find this check. How can a mortgage company lose that big of a check!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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: Account information incorrect

Complaint:
CFPB, Experian is reporting an account incorrectly on my credit report and I am attaching a copy of the dispute form so that you can hand deliver it to them since none of them seem to get what I send or correct the items I dispute and their website never works either!! This account which was originally with XXXX XXXX XXXX XXXX and showing on my report as XXXX XXXX XXXX who must have bought them out, is INCORRECT!! They are showing me late during the recession of XXXX when I got laid off and was struggling for a few months on one loan, the one and only loan I have even been late on with them or anyone else, which they still forced me to pay interest only payments on monthly the entire time I was late plus late fees and then made me pay a large balloon payment at the end of the note, every month I paid {$180.00} during the entire time until I paid all off in full, but they are lying and reporting me as paying nothing every month for which I was late, this is defamation and breaking the FCRA!!! I want all documents on this loan forwarded to you and I both showing all payments, my banks has records of all of those payments that were made also, but it is XXXX XXXX XXXX XXXX XXXX XXXX Banks responsibility to PROVE all they are reporting is true and accurate!! 

The date of first delinquency on this account was also in XX/XX/XXXX and actually sooner in XXXX than that, they are just not showing those payments that far back on my report so they can continue to keep this negative information on my account, again more revenge, such hateful evil people. This account should have already been removed from my reports or at the very least be removed before XX/XX/XXXX, but they are not showing this on my reports!!! 

It is fraud to falsely report inaccurate information on my credit reports, not investigate or report it correctly and to leave it on my reports past the time the FCRA allows which is only 7 yrs past the original date of delinquency!!! REMOVE THIS ACCOUNT from all three of my credit reports and send me corrected copies of all three reports immediately or I will have my lawyer contact all to get it done!!! I am also filing a complaint with the IL Attorney Generals office about 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 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
US DEPARTMENT reports that all my loans are charged-off. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? These are the following account numbers : XXXX, XXXX, XXXX, XXXX, There are 10 Loans in total.

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 2018-12-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This credit card was opened in my name without my knowledge. I filed police report for identity theft, and the 3 credit bureaus blocked them from reporting. 45 days later ( after the 30 days allotted ),  Discover added it back to my credit reports and told me " someone has to pay for it '' even if I was a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: TN
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 ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/XXXX - I referred my girlfriend to a credit card : American Express XXXX XXXX XXXX. I was told that I would receive {$75.00} if she was approved for the card. She applied and was told that she would need to verify some information. 

Several weeks later she was approved and received her card. I was told through the American Express terms of service that it would take 8-12 weeks for the bonus to post to my account. 

I waited until XXXX for my bonus. It never posted. So I contacted American Express on XX/XX/XXXX. They told me that there was no record of me referring anyone. I opened an investigation with them. They asked for my girlfriend 's birthday and her name which I provided. I was told to wait one week. 

I waited one week and contacted them again through phone and chat. I was told to wait 2-3 weeks. I have contacted them 4x more times through phone and chat about this bonus. Each time I am told to wait 2-3 more weeks for them to finish the investigation. Additionally, I am told that they have " expedited '' this investigation.

It has been four weeks since I last contacted them. I have gotten no email updates on the status of this investigation. And I know if I contact them again they will take me to wait 2-3 more weeks. This investigation was opened on XX/XX/XXXX. They state that it takes no more than 8 weeks for an investigation to end. It is now XX/XX/XXXX. I have received no bonus and no information on whether or not it will even post.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a fraud alert on my credit file with my phone and someone used my information to apply for credit and no one contacted me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX won't let me gain access to my XXXX report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

XXXX doesn't have an easy way to review my credit report like XXXX and XXXX do.

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 2020-07-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX  appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These accounts are keeping me from buying a new home and making it impossible to move forward with my life. 

1. XXXX XXXX - no balance is showing, account partially listed - XXXX, dates listed open is XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: SYNCHRONY FINANCIAL
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:
I was soliciting business with several banks that promised me that there would only be a soft inquiry into my credit report but did hard inquiries anyway. The following companies are : 1. ) XXXX  2. ) XXXX XXXX XXXX 3. ) XXXX  XXXX  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 2020-06-04
Company: Dovenmuehle Mortgage, 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:
XXXX  resolved a mistaken dispute that was verified as accurate by both myself and the lender, Dovenmuehle. Now that account is reporting, it's missing information. Such as loan balance, and payment history. Please update missing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Walmart Credit Card through Synchrony Bank for two years. I have always paid on time and never been late. I recently started working on my credit to purchase a home. So I have been paying my balances off every month. On today I received a email from XXXX XXXX that my Walmart account was closed. I was not aware it was closed, never received a letter or notification that the account was closed. I called the XXXX number and was told the account was closed because XXXX   Credit Bureau sent them negative information on my credit report. I asked them was my account closed because XXXX XXXX will be taking over in XXXX and was told no it was because I had late payments on my credit report with XXXX. I asked the representative why would XXXX report to them, since they originally pulled by credit report through XXXX  and my credit score was lower than it is now and I had filed bankruptcy. The representative could not explain. I am filing this complaint, because my credit report will reflect this account being closed by the company and negatively affect my credit. How can a company close your account without even notifying you?

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 2020-07-09
Company: SYNCHRONY FINANCIAL
State: MA
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 contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re : Bank of America credit card I've had my card since 2016 and never missed a payment. I did fail to pay min balance once, but corrected my error ( about 1yr ago ). Since, I have been paying twice monthly to insure that I was able to meet min due. Recently, I began receiving automated calls about my MC. I dismissed as spam call. Today, I received email re : delinquent acct. I called card directly, thinking it spam but was told that I am indeed delinquent. I inquired about payments & was told that the once in the middle of the cycle don't count. I am working to pay off card.

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 2018-12-06
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE 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 non-monetary relief