BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I started with Freedom Debt Relief in 2018. I also was on XXXX every week that year. I only had XXXX in debt and they promised to call the creditors, which they never did. They also said my credit would go up and since 2018 it is still in the high XXXX XXXX, they are misleading and never called my creditors, they then switched me to Consolidation Plus, which is the same company. I have paid them XXXX a month since 2018 and my credit never changed. I have called multiple times because I can't afford to pay them anymore. I lost my job from the pandemic, I can't get a job because of my credit score. This company is the worst, nobody should ever use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!

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 2022-06-21
Company: CCF Intermediate Holdings LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My wife received a call on XX/XX/XXXX from XXXX XXXX from phone number XXXX claiming to be from XXXX XXXX XXXX. This company has no website. I found a XXXX profile that takes you to website XXXX ( XXXX XXXX XXXX ). We spoke and to XXXX and it all sounded fishy. She says Mediation from XXXX XXXX XXXX and that my pay is going to be garnished from a loan back in XXXX for {$1000.00} to a XXXX account but then offered a settlement for {$800.00}. When I asked for any documentation she said they do not send any documentation but I could contact the company " Checking into Cash ''. She gave me the original account number : XXXX. She claims they have 15 years to try and get these funds back. I informed her I was under the impression Maryland does not allow payday loans. We went back and forth and I told her I disagree with this entire " case '' she is presenting. 

I tried calling " Checking into Cash '' ( https : //checkintocash.com/maryland/ ) they will not answer the phone. I waited for XXXX minutes with the messages saying what queue number I was on XX/XX/XXXX. It got to position 1 and hung up saying it could not complete the call. Today XX/XX/XXXX I go an automated call from XXXX a person answered the phone and said they were from XXXX or XXXX something XXXX mediation. She asked why I was calling I said they called me, she said it was automated and immediately transferred me to the same lady XXXX. XXXX asked why I was calling I said they called me from some mediation company she said she didn't know who that was and it couldn't be right and after insisting I did not call she said this is XXXX something mediation for XXXX XXXX XXXX. She said this will affect me financially having my pay garnished. I told her I will gladly see them in court since no one will provide documents or answer the phone. More importantly on the checking into cash website it says right on the screen their services are not offered in Maryland so how could I have a loan from them? Also Maryland has a 3 year limit on debt collection and this was supposedly from XXXX making this just shy of 7 years given the date she claimed XX/XX/XXXX. More concerningly she had my full social and dob. I tried calling checking into cash again today XX/XX/XXXX spoke to someone that immediately transferred me to the hold line again, waited for the queue got to position one and again it hung up on me. 

I have never received any money from this company. 

Phone numbers used : XXXX, XXXX I believe this is a scam but if it is not for some reason- it is entirely invalid. There have been no letters or contact or anything on any credit reports or background checks which I have completed recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/ Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I have not applied for anything from XXXX XXXX XXXX since i opened up a business checking account they have informed me they did not pull my credit so please verify account or remove 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 2022-06-21
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I need help and am unable to obtain concrete and actional information from Studentaid.gov or my loan servicer, Navient. 

This is the information I need to know it is regarding the announcement here : https : //studentaid.gov/announcements-events/idr-account-adjustment Navient services the following types of loans for me : - FFELP Stafford Unsubsidized - FFELP Stafford Subsidized - FFELP Graduate Plus - Direct Graduate Plus - Direct Subsidized I am trying to understand : - Which of the above loan types are eligible for the direct consolidation referenced in the IDR Account Adjustment news release, such that if they are consolidated, I will not lose credit for the prior payments made on these loans, when it comes to the 20-year loan forgiveness schedule? 
Because the announcement references FFEL loans generally, I can not determine whether and which loans serviced by Navient qualify for consolidation into Direct loans, such that for purposes of loan forgiveness, I do not lose the number of historical qualifying payments. 

When I called Studentaid.gov, I was told to call Navient. I did. Navient told me to submit the question vie email. I did. Their response states, unhelpfully and confusingly, Your Navient held FFEL loans do not qualify ; however, you may consolidate through the Direct Consolidation Loan program to become eligible. 

I sent a request for clarification to Navient, but have not yet received a response. 

Given that failure to consolidate FFEL loans may result in my inability to take advantage of the benefits in the press release referenced above, and given that consolidation of the incorrect type of loans may result in my losing the number of prior qualifying payments ( 10 plus years of repayment in my situation ) for purposes of loan forgiveness, it is very important that I receive accurate information. It is a damned if you, damned if you do not situation created by not being able to obtain accurate and specific information.

I want to consolidate my Navient serviced loans into direct loans, but only if the consolidation will not reset the number of qualifying payments for purposes of loan forgiveness to zero.

I can not obtain clarifying information from either Studentaid.gov or Navient. Without clarifying information, I am not able to make an informed decision regarding whether to consolidate my loans, because I do not know if my loan types are eligible for the benefits referenced in the press release. 

Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I AM MAKING A COMPLAINT WITH MIDLAND CREDIT MANAGEMENT REGARDING AN ACCOUNT THAT THEY PURCHASED FROM XXXX XXXX. I HAVE TRYING CONTACT THE COMPANY ABOUT THIS DEBT BUT GETTING NO RESPONSE. THIS REMAIN ON MY CREDIT REPORT AND IT AFFECT ME. I WANT TO STATE FIRST I NEVER GIVEN MIDLAND CREDIT MANAGEMENT ANY PERMISSION TO USE ANY OF IDENTIFYING INFORMATION TO CONTACT ME ABOUT THIS DEBT. AS OF TODAY, I STILL DONT HAVE NO VERFIED OF THIS DEBT. SO, I WOULD LIKE THEM TO REMOVE THIS ACCOUNT OF MY CREDIT REPORT BECAUSE IT REALLY STOP ME AND STRESS ME OUT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased 90 American Express Gift Cards for {$6000.00} directly from AMEXGitcard.com. The cards are either corrupt and do not work or have {$0.00} balance or depleted funds. I have tried to contact them numerous times and when I reach a customer service representative in XXXX XXXX, I was told that the cards were managed through a third-party company and I had no recourse to resolve the issues. Basically, I was out of luck! This is simply fraud. Their customer service number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute with Equifax ( Confirmation # XXXX ) regarding my date of birth being incorrect on my consumer report. Equifax, without permission or under any legal grounds changed my XXXX from XX/XX/XXXX to XX/XX/XXXX. I have provided Equifax a government issued state driver 's license which shows my current address and XXXX. Equifax is refusing to correct this error, despite being provided with supporting documentation. This inaccurate information is prohibiting me from obtaining needed financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I already have complaint : XXXX. Capital One informed me in the complaint that they would resolve the billing dispute in my favor if I could provide proof of delivery. I provided that on XX/XX/XXXX and have not heard back or seen the dispute resolve in my favor yet. The tracking number I provided was XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Chase Student Loans service has held my wifes private student loan, however now they have sold it to a third party, but it is unclear where the loan is or what the balance is. Ive calculated that the loan was paid off over three months ago, however again, there is no way to know what the balance is of the loan. So now Im going back and forth between chase and XXXX and neither company is giving me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: CA
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 noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXXXXXX XXXX XXXX XXXX According to the FCRA 15 USC 1681b it is illegal to report late payments

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 2021-08-02
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX listed a fraud account same service address:XXXX XXXX XXXX XXXX California twice the first time with a collection agency XXXX XXXXXXXX XXXX. I filed a police report. I filed a cfpb report. I never lived in California. XXXX was supposed to correct the collection agency, and have my XXXX Report corrected. I thought it was over. I was wrong. XXXX assigned an account with another collection agency, Waypoint and they reported it to XXXX who alerted me on XXXX. I contacted this Waypoint who supplied me with the service address XXXX XXXX XXXX XXXX California XXXX. I called XXXX and asked them to fix this they gave me a very hard time. Please help me. This has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Account charged off. {$13000.00} written off. {$7500.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

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 2022-06-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Synchrony Bank issued me a {$800.00} credit limit for a Walmart Credit Card. I have great payment history and never missed a payment. The first issue I have is the company closed my card after the company tried to take payment on the wrong account number. I told the rep that was my saving and made the payment the same day. The manager said not to worry. The next week they closed my account dropping my credit score. I have made all of my payments even after my account was closed. I was placed on a $ XXXX monthly payment and the representative and I tried to make my {$10.00} payment over the phone. Their system was n't working she told me to try to use the computer. The computer did n't work I told her I would try again or mail the payment. I mailed a {$40.00} money order and the company claimed they lost it. Now my credit score dropped XXXX points. In the process of purchasing a new house. This has Hurt my chances. I strongly believe this bank is holding on to my money to lower my credit score

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 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
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 REQUESTED THE CRA 'S TO FURNISH VERIFICATION OF ORIGINAL DOCUMENTS TO SUPPORT THEIR REASON FOR REPORTING ALLEGED DEBT ON MY CREDIT REPORT AND THEY HAVE FAILED TO DO SO. IT IS MY RIGHT AS A CONSUMER TO REQUEST SUCH INFORMATION UNDER " The Freedom of Information Act, 5 U.S.C. 552, is a federal freedom of information law that requires the full or partial disclosure of previously unreleased information and documents controlled by the United States government upon request '' XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN ) XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX ( 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 2022-11-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Subject : Complaint about Information in Credit Report : Bankruptcy I am writing to file a complaint about inaccurate Bankruptcy the following information in my file..

This item ( see attach ) is inaccurate because I have never had Bankruptcy before in my life. This information is false which is claimed to be given to them by the court the courts ( see attach ) does not report information to any credit reporting agency. I am requesting that this item be removed at once to restore my accurate report of my credit. 

Enclosed is documentation supporting my request : a copy of my credit report. that all three agencies are reporting non facts about me every having a backrupty and that the information is coming from the courts. 

Requesting this information be removed from all credit reporting agency as soon as possible. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed charges on my account, and called to report as fraud. I later found out that a friends child, XXXX  years old, had used my computer and made the charges, not realizing they were real money. The company refuses to take them off of my account, even though the FTC says that I am not responsible for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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