BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or one that you represent. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Neither did your company Portfolio Recovery ever contact me regarding this alleged account. Also being that this is a medical I have never given any physician or medical office permission to share any of my medical information so this would have also been in direct violation of HIPPA. I have never heard of you until I reviewed my credit file. Portfolio Recovery never gave me the right to dispute the validity of this account before putting it into my file or still to this day I have never heard from your company. How can you just insert a negative remark into my account without first giving me my right to dispute the account? This account is a direct result of identity theft and should be removed. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13
Company: Experian Information Solutions Inc.
State: PR
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2022, Loancare through their lawyers filed a MFRS ( Motion For Relief of Stay ) against my bankruptcy claiming I was over {$5000.00} in arrears. Through countless emails, time and work with the help of my bankruptcy lawyer we explained to them I was not behind and that the motion should be dismissed. 

While we were going back and forth LOANCARE sent a latter through their lawyers that I had an escrow overage in the amount of {$1200.00} and change that were going to keep because I was behind in payments. On XX/XX/XXXX LOANCARE through their lawyers files a motion to dismiss the MFRS because we proved to them that I was not behind on my payments. 

I have asked LOANCARE 's lawyers to have their client return my escrow overage to me since it is my money and I was not behind in payments. I still haven't received my overage.

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 2017-09-12
Company: Total Card, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened my Total XXXX credit card in XXXX 2016. I have had abut 5 credit cards reported lost or stolen by the company. I will use the card and it declines. When I call the company ; they tell me the card was reported lost/stolen and a new one is en route. I have never called them and reported my card lost/stolen however I receive a new card every few months. The bigger issue is when the card is reported lost or stolen ; it is reported as a new account on my credit report every time. So it will close the account and open a new account which affects my score and does n't establish the payment history which is why I opened the account in the first place. I called the company and was told there is n't anything they can do when it is coming up the card is lost. I, the card holder is not reporting the card lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
fact, I the affiant is aware and have proof that XXXX has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed XXXX violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: SYNCHRONY FINANCIAL
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/2022 received an email stating that Id applied for a store credit card and my credit was checked. I did not apply for this card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account this all hard inquieres : - 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2017-09-12
Company: EQUIFAX, INC.
State: WI
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:
This is regarding the Equifax breach. I am upset because all of my personal information is now publicly indexable. While they are also a victim as well, they have information on about XXXX XXXX Americans and there is no way to opt-out of their information gathering. They should have held that information in the strictest of confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am on an income based repayment plan with ACS. In XXXX, I missed a payment which resulted in late fees of {$100.00}. I have now paid a late fee of {$100.00} every single month since XX/XX/XXXX. ACS never notified me of the late fee amount, so initially I assumed that the amount was being broken down over several months. After 3 years of a continuous late fee payment, i decided to inquire about an accounting, i.e. how much was my initial fee, how much have I paid on it and how much was still due.
Turns out, when an account is in IBR, ACS applies all overpayment of the due amount to interest first and then late fees. Since my interest is always over {$100.00} of the late fee, they effectively created a system in which there is not a way for me to pay the late fee. My continuous additional payments of {$100.00} are creating a windfall for ACS that flies in the face of the intent of IBR.
After a lengthy discussing with the supervisor 's supervisor, I asked if for one month I could pay the current due, plus the accrued interest, plus the late fee if that would take care of the late fee. I was told that it would but only if i pay on the day that interest accrues. I intend to do this. However, this seems like a clear violation of IBR that amount to defrauding student loan borrowers. It seems highly unlikely that I am the only one this happened to and should be investigated in depth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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 was affected by the Equifax breach. I am writing so that there is a formal complaint on record that their handling of consumers ' private information is unacceptably lax. There should be much more oversight of credit reporting bureaus ' attempts to safeguard consumers ' information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Chime Financial Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I sent {$580.00} to my sister using their Pay Anyone feature. I sent the money to my sister XXXX XXXX by imputing her phone number, and I made sure it was the correct phone number to ensure the money went to the right person. After sending the money, my sister and I found out that a stranger name XXXX XXXX made a Chime account using her phone number and they had stolen my {$580.00}. My sister was receiving the Chime notifications that money was sent to this strangers account. On XX/XX/XXXX Chime Denied my claim saying there was no proof of any wrong doing. On XX/XX/XXXX I sent my sisters phone record information from her cellular account to prove that the number belonged to her and not the stranger XXXX XXXX. On XX/XX/XXXX Chime still denied my claim. I wasnt never provided any provisional credit during the investigation and Im in the process of being XXXX that was my rent money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
HI MACY 'S / CREDIT BUREAU ; I'm not quite sure what's going on with your company but for some reason, there is something going on because i haven't received any responses for like 60-90 days since the pandemic. Every month i question the validity of this account. There is no way that this account was indeed verified - it's unverifiable and incomplete!!!! Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2017-09-12
Company: Convergent Resources, Inc.
State: WA
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:
XXXX and Convergent Collection agency have filed false and inaccurate information about an alleged collection account on my credit report. 

I closed my account with XXXX in XXXX, having always paid my account in full, purchased my devices outright and having no further obligations or being subject to any Early Termination Fees ( ETFs ). When I requested that XXXX port my numbers to my new carrier, they initially refused to do so and claimed I owed ETFs. 

After scores of hours of phone calls, emails and faxing a copy of my contract to XXXXXXXX XXXX customer service and managers -- all over a several week period ; I finally filed complaints with WA State AG, FTC and BBB. Within days of my complaints, XXXX wrote to apologize for their " error '' and confirmed that I owed them nothing. They allowed the porting of our numbers to our new carrier, as required by law. 

I thought that was the end of it, until last week when I requested a copy of my credit report following the security breach at Equifax. It appears XXXX sold the non-existent debt to Convergent Debt Collectors, which then took the liberty of changing the date of last activity on the account from XXXX to XXXX. I believe Convergent has intentionally and knowingly filed a false and inaccurate report on my credit files ; the only negative item on an otherwise stellar credit report. 

Not only do they XXXX and XXXX XXXX know this is a non-existent debt, they have changed the date to XXXX in order to make it appear like a recent activity and have the maximum derogatory impact on my credit report ( which has typically been above XXXX as I am meticulous about paying all my bill on time ). This is not only damaging and infuriating, it has taken a substantial amount of my time and I am particularly disappointed in XXXX ( Convergent appears to be a bottom-feeder collection agency, so the expectations are substantially lower ).

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 2019-11-23
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: Information belongs to someone else

Complaint:
The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX  XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to Equifax and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXXInquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and Equifax XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: WELLS FARGO & COMPANY
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:
Wells Fargo apparently puts a limit on the number of payments I can make from my non-Wells Fargo account. They tell me I must open a Wells Fargo checking account or call in to make my payment. This is discrimination based on where I make my payments from. I make my payments on time, so why should I be limited in what account I use to pay the card with? 

I have NEVER had this issue with any other credit card 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 2022-01-13
Company: DISCOVER BANK
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:
My Discover Student Loan Account # XXXX is reporting as delinquent for missed payments for XXXX, XXXX and XXXX for 30 days late, 60 days late, and 90 days late respectively. However, I didn't even finish school yet and I don't pay on the loan until I graduate the loans are deferred until I graduate from school and I haven't even graduated yet. I graduate in two semesters so this doesn't even make any sense to me. Discover Student Loan is severely hurting my credit score and report where I can not even get an apartment with my credit score to rent a place near my school that they gave me the LOAN for. This is extremely frustrating and Discover is ignoring all my emails and responses when I reached out to them. This is inaccurate, and unfair I need this fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express offers a " pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and " they '' set the criteria. I asked who " they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the " pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.

Company response to consumer: Closed with non-monetary relief