BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: Kashia Services
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wrote to cancel the loan before it was even deposited on XX/XX/2020 as outlined in The contract by writing. It said that I must submit it in writing to their email XXXX. I did this and received no response. Once the funds had been submitted into my account I called them and they said they would take the amount of the loan back with no charge on Friday XX/XX/2020. But I have received no written communication that the loan has indeed been cancelled. I followed the instructions in the contract to cancel the loan exactly as was stated. I just want clear written communication that the loan has indeed been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EdFinancial Services
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: Account status incorrect

Complaint:
We i was a victim of false certification for a loan by XXXX XXXX XXXX XXXX. 
Which XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Found the school wrong XX/XX/2018 and Discharged my and issue a refund .Also requested that it be removed for my credit reports .. Now Edfinancial service was the load serving company, Which also reported to my report .Sent me letter on XX/XX/18 that they will HONOR the XXXX XXXX XXXX XXXX ruling and will remove the loan from my credit report. 

I recieved a letter on XX/XX/2018 from EDfinancial Service stating that there reporting is accurated .But in there letter date XX/XX/2018 states the checked with the XXXXXXXX XXXX XXXX XXXX .. Which the load was false and need to be removed.. I have contact them twice about this matter ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received a notification/alert from XXXX credit monitoring service that a new line of credit was placed on my XXXX, XXXX and XXXX credit reports. 

The line of credit was reported by Synchrony Bank PayPal, who apparently purchase credit account back XX/XX/XXXX, and decided to report an account and claim the account was opened back in XXXX, and tried to claim Synchrony Bank had reported the account as far back as XXXX. 

I immediately disputed this account with all three credit bureaus as fraudulent and not belong to me and asked for investigation and immediately removal. To date all three credit bureaus had refused to dispute or investigate the fraudulent account. 

I reached out directly to Synchrony Bank and explained I did not open a line of credit with PayPal and requested to dispute this account as fraudulent and explained this purchased account was inaccurately listed as a line of credit. 

Synchrony Bank is refusing to allow the dispute told the consumer due to the fact the account was opened in XXXX, and payment were made the consumer could not dispute the account which is direct violation of the FCRA. 

PayPal fraudulent opened out a line of credit then years later sold the accounts to Synchrony Bank who is now holding the consumer responsible for their bad investments and denying the consumer the right to dispute fraudulent inaccurate information/account activity. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank acquiring account which should be illegal. 

Therefore, I am requesting an investigation into this practice of one bank assuming total control over consumer lines of credit without their consent and requesting the CFBP enact or enforce laws and provide consumer protection from this abusive practice. 

In addition, I am requesting an investigation into Synchrony Bank dispute practices which placed roadblock resolving disputes in a timely manner effectively tying up the consumer line of credit and making the consumers to wait ( 60 ) sixty to ( 90 ) days before resolution. 

I want this line of credit immediately removed from all three credit reports and want the CFBP to hold all three credit bureaus accountable for refusing to allow the consumer to dispute fraudulent accounts, investigate disputed accounts and facilitating this abusive practice of bank buying fraudulent 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 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Request to update personal information with handwritten letter regarding my identity and I havent received a phone call, email or letter.

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 2019-03-28
Company: CONTRACT CALLERS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contact callers was a collection agency this account was paid in full to XXXX and I contacted them about removing this because this account was paid to the original owner and I have a paid receipt.

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 2018-07-30
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
XXXX XXXX XXXX ( credit card co ) charge off the account and came back on my credit report as XXXX XXXX XXXX it was charged off twice under 2 names now their back as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Netspend Corporation
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX attempted access to my account with a company called XXXX to access my business webpage, I could not and access my account company could not advertise through XXXX, XXXX and local listings. This was reported numerous times to XXXX, XXXX and XXXX. I lost all access to my business and and to my XXXX, XXXX, business accounts and still have no access. 


I soon after discovered that I have also lost access to the following personal and business accounts, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. this was all reported to the companies listed as well as the following agencies ; FTC, XXXX, XXXX, XXXX, XXXX. 

My accounts have been used for online purchases and I have also have no control of any of these accounts and have had my identity completely stolen with no ability to attempt recovery. THIS IS ALSO HAPPENING TO MY FIANCE. 
We have also reported the suspected individual and companies who are responsible.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2018-03-08
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received student loans subsidized and unsubsidized and consolidated them and started to repay the loans in XXXX. 

I have requested that Nelnet send me an amortization schedule and have not yet received this information. There is no consistent amount applied to interest or principle. My original loan after consolidation fee was {$30000.00}. As of XX/XX/XXXX I have paid {$24000.00} of that payment {$16000.00} was applied to interest and {$7000.00} has been applied to principle. My current principal balance is {$33000.00} which is {$2400.00} more than my original loan balance. 

When I call and ask about the fact that my principal has never been lowered. They tell me that it is because my loan has been put in forbearances multiple times. When I asked to see documentation of why this happened ; I was told this was a verbal agreement. I disagree with this because I have not asked for forbearances and feel like this is just an excuse to increase interest rates and capitalize interest. 

I feel like Nelnet is using fraudulent lending techniques to increase loan balances by capitalizing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVER OPEN A FRAUDULENT CREDIT CARD FOR AN IDENTITY THEIF USING MY IDENTITY, THEN PLACED THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I SUBMITTED A POLICE REPORT AND AN FTC IDENTITY THEFT REPORT TO THE CREDIT BUREAUS, AND THEY HAVE NOT REMOVED THE ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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:
XXXX XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

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 2022-08-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Direct contact is not possible. They accept mail and chat bot. In the past 45 minutes, I have performed the Pavlovian game of calling customer service, each call results in waiting for a disconnect. How many times is reasonable? 

It is not possible to access the account online. I was solicited using XXXX XXXX. I signed up using XXXX XXXX. I am told that I can not access my account thru XXXX XXXX. I am told that I must buy a smartphone and use something called an app. I choose not to participate in the destructive and abnormal behavior of carrying a security disabling, privacy broadcasting, advertisement delivery device. Plus I am essentially blind. Venmo solicited my business in a deceptive manner. I can not access any information about my account. Even if Venmo corrects their refusal to accept incoming calls, I should not have to call Venmo to access my account. This is the 21st century. 

Please note : I know that this is a game. I know that Venmo faces no consequence for any deception, fraud, or malfeasance. I know that this process is pro forma. The people will rise.

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 2018-07-30
Company: Experian Information Solutions Inc.
State: KS
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:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX  '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.

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 2018-03-08
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are contacting my number looking for another individual. I have told them that I have had this number for 12 years and do not know this individual. The number calling me is XXXX. I asked for a copy of their do not call policy and was told that they could not give me that information. When I asked, they said they were using an autodialer and that the company 's name was Transworld System , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: TX
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:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
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:
XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 Capital One is reporting inquiries onnthese dates that I have no recognition of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: HW Holding, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hunter Warfield is a debt collection agency for XXXX XXXX XXXX apartments where I used to live in XXXX. I made an agreement with XXXX XXXX to pay off the debt, but I lost my job after I made the commitment and was unable to pay the balance due. I was unable to receive unemployment, so I had no income coming in and in the process I lost my mother whom I was taking care of. I finally got a full time job in XX/XX/XXXX and I started making payments towards Hunter Warfield in XX/XX/XXXX when I finally able to speak with them. XX/XX/XXXX {$120.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX {$75.00}, XX/XX/XXXX - {$75.00} and XX/XX/XXXX - {$75.00}. The last two checks had to send a sigh receipt because they are holding on to the checks and stating that they are receiving them late. It only takes three business days from Maryland to Florida. The check for XX/XX/XXXX has not been cash but they received it and when I spoke with them today, they stated I was referred to an Attorney office because I didn't send the checks on time. I filed a compliant with XXXX  of Florida but no results and no resolution. It was just left alone. Why am I going to court when I am making consistent payments to the collection agency and we never discuss a particular date that it had to be in there office. It's like they are bullying people to get what they want, know what it takes to get it.

Company response to consumer: Closed with explanation