BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: Velocity Portfolio Group
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A cease and desist letter was mailed over to the CKS PRIME INVESTMENTS in which the recipient signed for on XX/XX/XXXX. I have yet to hear or see any changes occur on behalf of the company.

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 2021-03-31
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: RFNA, LP
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Iam on social security and I receive {$430.00} social security and in XX/XX/XXXX I received a check in the mail for {$2700.00} Now its {$5000.00} with 40 percent interst rate XXXX XXXX. I thought it was fake but the bank cashed it. they actomatically withdrew {$140.00} than the next month I have been going with food and late on my bills during Covid 19 I paid until I idnt have the money, they kept calling, and let me skip one payment than they just sent court papers asking me to send them proof of why I cant pay them are they will send me to Jail Im so so afraid please please help me. I have been in the hospital XX/XX/XXXX for an XXXX.streesing on how to pay my bills, they have calledme and I dont have the money my electric bill is {$600.00}, and water bill all bills are behind, and they are going to have me locked up over a check I nevr applied for are had anything to do with accepts think it was help with bills.the collection comp is XXXX, XXXX XXXX  XXXX, XXXX XXXXAttorney XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian shows an incorrect date of birth on my credit report. I don't where or who made this error. When brought to Experian 's attention they could only give me your agency and phone as to the agency to help me. I've included a copy of my Driver 's License which shows my correct date of birth. Thank you for your help. 
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 non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-03-31
Company: Westlake Services, LLC
State: NM
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Westlake financial send my debt information to my all my credit bureau I been affected by covid19 loose my job I been trying to talk to them to make a payment arrangement with lower payments to be able to make and they don't want to help me every time that I talk to them they will want me to pay a lot of money at front and also very high monthly payments that I can not afford at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Carvana Group, LLC
State: GA
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 never authorized this company to do a hard pull on my credit. I was told there would be a soft pull on my credit by a third party but I never spoke to a representative of this company myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: NV
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.

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 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital one account ending in XXXX went into collections. In 2014 I got a decision by the debt collection XXXX XXXX and XXXX that my debt met financial hardship and no further collection attempts were going to be XXXX because I opened a dispute capital one is starting collection efforts. The agent at recovery accounts for capital one said that capital one did not agree with the decision, no collection effort were attempted for 5 years, now that I opened up a dispute there starting collection efforts.the amount on this account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Chase Bank, XX/XX/2021 at XXXX XXXX  who I have an existing mortgage with to speak with an advisor on refinancing. I was connected to a lady, who took all my personal information, ran our credit, took good faith money, and more. I was instructed to upload documents needed to continue, but was unable because she didnt email other documents or include pertinent information to my Chase account needed to submit the documents. When she did on XX/XX/2021 at XXXX MST, I noticed the properties address Im refinancing on the Loan Estimate and all documents she mailed out to me to be signed, were incorrect. Ive been emailing and calling her since XX/XX/2021, without any responses. Ive also tried calling and emailing her manager informing him of the error, but no one has called or emailed me. This is the worst customer service Ive experienced with any business. How can I sign paperwork when information on it is incorrect and I have additional questions regarding this process. What Im afraid of is that shell treat my not signing these documents as a backing out and keep my {$500.00} Good Faith deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Garcadia Financial LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard pull on my credit and I did not know this was happening. I was told there would be a soft pull because I entered my info through a third party who sent it out to multiple creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
This complaint is much more than " Disclosure verification of debt '', " Not enough information to verify debt i.e. amount of debt & name of creditor ''. 1 ) Portfolio Recovery Associates has never properly verified the debts in dispute. 2 ) Portfolio Recovery Assoc. is a collection agency / junk debt buyer. Yet, they continue to report the the two accounts in dispute as if the accounts were open revolving credit lines. Portfolio Recovery claims, on each credit report, that they are a " Factoring Company '', which they are not. Portfolio Recovery is reporting " Terms '' on each credit report. They have been doing so since the original creation of each account. A collection account does not have terms. I have never entered in to any agreement or contact with Portfolio Recovery. They also are reporting a " Failed to pay '' and Past Due amount. In addition, they report a " Payment History ''. Collection accounts should not have a payment history. I do not have any revolving/installment accounts with Portfolio Recovery Assoc.. 3 ) I have disputed each of the accounts with the three major credit bureau 's several times. Portfolio Recovery knowingly is reporting incorrect / false information to each credit bureau. They bought each of the disputed accounts after each account was in serious default and charged off by the original creditors. Portfolio is falsely reporting as a factoring company, they list a past due balance as if these are installment/revolving accounts. Portfolio is negatively affecting my credit reports scores due to their false reporting. I expect full, permanent, deletion of each of the disputed accounts from XXXX   XXXX, and XXXX. Per FCRA, page 85, section 623 ( b ) ( 1 ) ( E ) ( ii ) '' delete that item of information ; or '' ( iii ) " permanently block the reporting of that item of information '' Acct. # 1 : Portfolio Recovery Associates, LLC. Original creditor is XXXX. Alleged balance { {$680.00} } Acct. # 2 : Portfolio Recovery Associates, LLC. Original Creditor is XXXX XXXX. Alleged balance is { {$460.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
" WARNING '' Medical Revenue Service shared a copy of my personal medical treatments. I did not give orginal creditor my consent to share PHI ( ( protected Health Information ) with any collection agency of such balance/ treatments. This was a violation of my HIPAA rights. Please be aware that HIPAA allows for fines in the amount of {$10000.00}. Per violation. This account must be deleted immediately off my credit report for violation of the HIPAA LAWS!

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 2020-09-11
Company: EQUIFAX, 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:
All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX that I did not authorize see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 visited XXXX XXXX XXXX XXXX XXXX, MD on XX/XX/XXXX and I purchased a XXXX XXXX XXXX XXXX I only gave permission for my credit to be ran by one ( 1 ) creditor. I did not authorize ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, VA XXXX on XX/XX/XXXX | ( 2 ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 3 ) Capital One XXXX Capital One XXXX, XXXX, VA XXXX on XX/XX/XXXX | ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX | ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX on XX/XX/XXXX | ( 6 ) XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX on XX/XX/XXXX. 

I have requested these inquiries to be deleted from my credit report. I was advised to file a complaint with your agency. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I submitted several complaints : XXXX with XXXX ; XXXX with XXXX and XXXX with XXXX. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 6801.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: EQUIFAX, INC.
State: CO
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 ; XXXX and XXXX are reporting incorrectly late for XX/XX/2019 on XXXX partial account numbers XXXX. ( Please see page 3 of the attached credit report. ) These student loans were consolidated prior to XX/XX/2019 and therefore the lates that are reporting are in error. This incorrect reporting late on a consolidated account is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is handled by insurance the XXXX is paying the debt was never sent to them for billing also this debt is under XXXX and should be removed from 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 2019-02-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Im a victim of fraudulent scam someone deposited fraudulent checks into my checking account I met this person online the person told me that he is involved with a charity program doing charity work for the XXXX and under privilege people he told me the program involves with the XXXX XXXX XXXX and the XXXX and I could register to get involved with the program and it will be like a part time job where I will be payed by doing charity work for the program everything sounded legit so I did the registration he said he needed my banking account information in order to deposit their money for me to purchase Items like XXXX gift cards so I gave him my account number and he deposited the first check in the amount of XXXX dollars so I purchased the gift cards worth the value of the money and tell hem each number from the back of each card for him to send to the XXXX in the meanwhile I though everything was legit then he deposited another check in the amount of XXXX dollars and asked me to purchase more gift cards worth the value of the money and let him know the numbers on the back of the cards which I did on the XX/XX/19 I tried to access my checking account and was unable to do so then I contact my Bank which is Td bank to asked why I cant accessed my account then they told me my account is overdraft by XXXX XXXX dollars and I need to come in and speak to customers service which I did on the same day I told them what had but I did not know the checks was fraudulent they told me to make a police report so I went to the XXXX precinct in XXXX XXXX where I live to make the report then I had an appointment to speak with the detective at the precinct which he asked me to asked the bank for a copy of the checks and all the gifts cards for him to make copies for the investigation which I did he gave me the police report to take back to the bank which I did the bank made me do an affidavit stating I didnt endorse the checks and I was allowed to open a new checking account. I got a letter from Td bank dated XX/XX/19 stating my account is overdrawn and I need to remit the amount at my local td bank Store after I submitted a police report and did a sworn affidavit they still asking me to pay off the debit even though Im the victim of fraudulent scam my salary went into the account when I asked them for my salary they didnt give it to me honestly I didnt know that I was being scammed I though the program was legit else I would not have given out my banking information and Im so hurt about the whole situation cant even get over it.

Company response to consumer: Closed with explanation