BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I purchased a bed and box spring from Sleepy 's located on XXXX XXXX XXXX XXXX, NJ. The total costs was {$910.00} As in incentive to consummate the purchase, I was informed by the sales person attending to my need, that Sleepy 's was offering an interest free loan. I accepted the offer, and the invoice of the purchased items that included a tentative delivery date. There was n't any representation of an expiry date of the interest free loan, nor any interest rate terms and conditions. <P/>I made scheduled monthly payments, as directed, through the web site of Synchrony Bank from XX/XX/XXXXthru XX/XX/XXXX I was under the impression that my scheduled payments were credited to my balance ; however I was notified by Synchrony onXX/XX/XXXX, that my balance was {$870.00} as a result of APR of 29.99 % plus late fees. When I confronted Synchrony via phone calls, I was informed that if I download the monthly statements in PDF form, it will disclose the terms and conditions of my loan. I requested a copy of the original invoice and/or any agreement signed by me at the time of purchase, and was told to contact the Sleepy 's store. When I contacted the Sleepy 's store of purchase, they directed me to the manufacturer located I believe in XXXX XXXX Texas. That proved futile. <P/>My last course of action was sending Synchrony Bank certified mail containing a letter that detailed all of the above. That was sent on XXXX XXXX, XXXX. Until now, I only received a monthly statement with a request for {$930.00}.

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 monetary relief
Consumer complaint received 2022-04-06
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
different people from this CKS FINANCIAL make multiple threatning calls to my home and cell numbers using spoofing software showing local numbers on caller id every day saying the sheriff has some arrest papers or something at work .of course we all know that is not so .they have showed insufficient validation seeking unjustifiable amounts using the telephone to annoy and harass me .since XX/XX/XXXX i have blocked over 79 of there numbers showing local spoofing technology area codes that is amazing to see that level of harassment .sent a cease communication to there address on file but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Receivables Performance Management, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/XXXX, I received a notification that a company by the name, XXXX XXXX XXXX and XXXX XXXX, supposedly a collection company, wants {$580.00} collection from me. 

This is information is fraudulent, I need help disputing this charge. I did not open any account with this company and I did not authorize anyone to use my information to open an account with this company. 

Tried to reach out to the company but they dont have a customer service or a fraudulent center. 

On a side note, I did not use my maiden name since XXXX, after my marriage. And I moved from North Carolina back in XXXX. 

Please help to fix this fraudulent activity and repair my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I applied for a new car loan and was approved for an amount I could afford and that was the only reason I agreed to buy and leave  XXXX   XXXX  dealership in  XXXX , CA. The finance guy called me after a day o r 2 st ating that I needed to resign my loan with another finance company for a higher intetest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
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 and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a cashapp account and collected hundreds of dollars between a private transaction. I have not been able to access the account due to a change of personal contact information. When you attempt to call. They redirect you to app.support. when you attempt to seek help on the app, they redirect you to phone. It's a perpetual state of a runaround. I need access to my funds and can not due to a simple change in a phone number. I have attempted to contact them and only receive a voice mail and magically no call. And it appears these are deceptive practices with no way to reset passwords or account information. I have been unable to communicate with anyone at cashapp. And further I have not received any funds. This is theft, consumer negligence and poor practices that must be regulated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: CA
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:
I hope you can help with the issues I am having with the credit bureaus. Back in XXXX I sent in disputes to the credit and I havent received anything from them. Here is a list of what need to come off my report. 
XXXX XXXX ( XXXX ) is over 7 years old and needs to be remove XXXX XXXX XXXX XXXX ( XXXX ) this is not my account XXXX XXXX XXXX ( XXXX ) is 7 years old and needs to be remove XXXX XXXX XXXX ( XXXX ) this is 7 years and needs to be remove. 

I have attached copies of the disputes from XXXX too. 
These things should already be off my report I dont understand why are they still on there after I disputed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have never Had a contract with them and I explained that i do not owe  Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing late payments and a credit are transactions and experiences which is a violation of federal law. Update the payment history for : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 to reflect pays as agreed or paid in full and a balance on the following account immediately : XXXX XXXX XXXX. Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.

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 2017-06-07
Company: ERC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Kriya Capital, LLC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt shouldn't have ever been legally sold to company to begin with, Debt was result of relationship using information // I did not consent to this account. 

I would like this immediately removed from my report ; or the ability to complete fraud investigations on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Profit Services 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 status incorrect

Complaint:
I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: GA
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:
ALL 3 MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- 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 These inquiries have an impact on my credit score and need to be removed. 

-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: AES/PHEAA
State: DC
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:
Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have never given any credit bureau or consumer reporting agency my written permission to report to them.

I sent out letters back in XXXX to XXXX XXXX  and XXXX requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: 21ST MORTGAGE CORP.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to restore the mortgage for {$10000.00} as required based on the statement provided, however the monies were not applied to the outstanding balances also there was extra monies in an overage account that I instructed to be used for payment to the mortgage payment and it was not credited. I have tried for the last month to resolve and have been unsuccessful. New mysteries charges has been added to the account and I was told that no explanation or proof of charges had to be sent to me. This is very concerning as they are more than XXXX dollars. I would appreciate support and assistance in this matter. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: ALLY FINANCIAL INC.
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over the 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sold my house by short sale with an attorney and finalized everything about 8 years ago. I have a letter from Citizens Bank from XXXX Rhode Island stating that my balance is {$0.00} but my credit report states that I owe {$90000.00} This must be a home equity line of credit from the home I sold 8 years ago but it keeps coming up on my credit report. Can you help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Nelnet, Inc.
State: MO
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:
Please accept this letter as my dispute of late payments reported by Nelnet. I have had consolidated student loans with Nelnet since XXXX, XXXX. I have attached my payment history. ( See Exhibit 1, payment history ) Since that time I have made one payment to Nelnet for what I believed to be a consolidated loan. Each statement from Nelnet indicates one account and the balance. ( See Exhibit 2, Statement ). 
As you can see I paid for more than 18 years on a timely basis. In XXXX, I took advantage of a forbearance available due to the pandemic. I misunderstood when the payments would begin to become due again, and was late on payments in XXXX, XXXX and XX/XX/XXXX. As soon as I became aware of the late payments, I immediately begin the automatic payments I had paid for the 18 years prior. I have asked Nelnet multiple times to consider a good will deletion of the late payments and they have refused. 
Nelnet has inaccurately reported the type of loan and account number of this consolidated loan as two individual loans with different loan account numbers than what appears on my statement. This has created a decrease of over 87 points to my credit score. I have suffered damages that exceed over {$30000.00} a year, as my husband and I were not able to refinance our home when interest rates where favorable because of the inaccurate reporting. I believe Nelnets reporting to be incorrect and in violation of the FCRPA, as the late payments should have been reported as one account as stated on their monthly statements to me. In addition, the scheduled payment of {$220.00} is incorrect as well. 
I would appreciate it if you would investigate this matter and delete or correct the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 is attempting to collect a debt not owed and has been already resolved with another debt collector. These tactics are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received repeated calls from  Trans World Systems, the  last call was received on  XXXX / XXXX / 2017  at  XXXX  from  XXXX . During this as well as previous calls, I have requested for them to send a bill. I never received a bill from the original creditor,  XXXX   XXXX   XXXX   XXXX , and received  XXXX   notice from Trans w orld several years ago. When I received the only collection notice I got, I attempted to go to their website to pay the bill, but it would not allow me to pay, it stated the account was closed. I have since begun receiving calls again, and they have yet to send a bill, statement, or anything. I have verified my address, and nothing. They are insistent that I pay the bill over the phone, but I will not do so without receiving something in writing, especially considering the scam reviews this company has received from other customers. They have also submitted this account under  XXXX  different business offices to credit agencies ... ..the same account!! My credit is being ruined for {$590.00}, I am being harassed, and they ca n't even provide documentation that I owe a debt.

Company response to consumer: Closed with explanation