BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: Convergent Resources, Inc.
State: MT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting a bill from convergent outsourcing inc saying i have a bill for XXXX but will go away for XXXX but i do not have this bill and would like them to take my name off of it and stop sending it. they also hung up on my husband 6 times and we tried to get them to remove it but they did not help just kept hanging up on us ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Central Portfolio Control Inc.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection account on my XXXX and XXXX reports that does not belong to me. It is held by Central Portfolio with original creditor " XXXX XXXX XXXX XXXX XXXX I received no written or digital notifications of the {$660.00} charge before it was reported to the credit agencies. I had no luck getting any information from Central Portfolio regarding this charge. It does not fit the timeline of any hospital visits that I have had in the past, and I also have health insurance that would have notified me if they were not going to cover the charge, if it were indeed legitimate. 

I disputed it with XXXX and XXXX, both of which " verified the debt '' which I do not believe to be a legitimate debt owed by me. 


According to XXXX and XXXX : Account opened XX/XX/2021 Balance : {$660.00} XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/XXXX. XXXX XXXX : Reported as collection : XX/XX/2021 Disputed by me : XX/XX/2021 Dispute closed : XX/XX/2021 I would like to have these removed from my credit reports and/or obtain assistance in verifying the validity of this account. As stated, I was personally unable to obtain any information proving the account belongs to me, had no hospital visits in 2021, have health insurance coverage, and received no notification from any billing departments prior to the collection account notification. 

Additionally, this is not the first or even the second time there has been a fraudulent medical account reported to the credit bureaus, and if I remember correctly, the prior fraudulent accounts also originated from " XXXX XXXX XXXX XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX we refinanced our mortgage with JP Morgan Chase. At the time they were offering a XXXX % cash back program if you agreed to have your monthly mortgage payment withdrawn from your Chase checking account. We already had a checking account with Chase so we signed up. As promised, every year around XXXX we would receive our cash-back bonus deposited into our checking account that is until this year. In XXXX XXXX we sold our home and paid off our mortgage with Chase. At the time we had somewhere in the neighborhood of {$70.00} or {$80.00} in our cashback rewards account. After waiting for over 5 weeks I started trying to contact Chase through the secure message system online. Each time my message would not go through so I finally called them. The girl that I spoke with had me on hold for quite some time then indicated she needed to research the issue and call me back. She called back and indicated that since our mortgage was paid off we are not entitled to our cashback rewards. I was shocked, we upheld our end of the agreement guaranteeing them payment each month through automatic withdrawal so I asked her for a copy of the terms of the agreement that state we are not entitled to the cashback if the account is paid it full prior to the rewards anniversary date. She said that it was not included in the terms and conditions but if I disagreed with their position I could fax a letter to their research department. I will be faxing said a letter and in it I will again request a copy of the terms and conditions that state that I am not entitled to my cash back reward. I wanted to see if you had received any other complaints from consumers on this issue. I tried researching it on the internet but was unable to find anything specific to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX, 2016 I walked into Zales Outlet in XXXX Mall XXXX XXXX XXXX XXXX XXXX FL XXXX. To purchase a engagement ring and wedding band for my future wife. My plan was to pay cash as I had the money in my pocket to buy the ring and pay in full. The sales person that attended me was very nice and helpful about finding a ring and even helped me decide between two different ones, when it was time for checkout she asked me if I wanted to apply for a Zales card and I politely declined and stated that I was going to pay cash, she then offered me to apply for a Zales credit card again and said that if I got approved she will give me a nice discount on top of the Zales card discount, she said that there was a great promotion of NO INTEREST for the first year. It all seemed perfect so I went ahead and applied got approved and left very happy. Now a year later when I check my Zales account to see how much I owed after making over a years worth of monthly payments I come to realize that I owe more now then the original purchase price. When I called Zales they said I had 1 year of deferred interest and that after the 1st year all the interest no paid would kick in. I was in awe and felt deceived & defrauded. I tried to work something out with the credit card company ( Comenity Capital Bank ) but they refused to do anything about this, I even offered to pay my pre-interest balance in full with maybe a few months of interest and they also declined. The person at the store never said anything about deferred interest and they promote the card as interest free for one year, because they get bonuses for selling this. Please help me if possible and stop these people from defrauding others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Accordance with the fair credit reporting act XXXX account Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX XXXX XXXX  Reference Number # XXXX XXXX XXXX XXXX Reference # XXXX 15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A 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 non-monetary relief
Consumer complaint received 2022-07-14
Company: Franklin Collection Service, Inc.
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I want to close my Ikea comenity account, my children 's place account and my comenity Visa credit card that got hacked into last month! As I no longer want to do business with comenity! I have called dozens of times to close my accounts but can't get anyone on the phone because comenity has been comprised by hackers and they completely shut down their phone lines! Theres no way to access this bank!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit reports several times a month and this collection for {$890.00} from XXXX XXXX just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until XXXX XXXX got it?? All of my actual accounts are in good standing and always have been. 

Thanks

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 2020-03-11
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 HAVE BEEN FILING DISPUTES WITH EXPERIAN REFERENCE TO XXXX XXXX  AND XXXX XXXX XXXX XXXX. I HAVE INFORMED THEM THAT THESE ACCOUNT ARE NOT VALID. IN ADDITION TO THAT THE COMPANIES AND/OR EXPERIAN ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
After multiple attempts to contact the credit card companies like XXXX  XXXX, and syncrony financial, they failed to contact me therefore affecting my credit. Syncrony financial balance remaining is {$1000.00} and XXXX XXXX {$350.00}.

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 explanation
Consumer complaint received 2017-05-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I completed an Apple Card credit application and was denied. I do not agree with this decision as my credit was considered and I did not receive the credit in the fair exchange of this process. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: DISCOVER BANK
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It is again complaint against Discover Bank. Two previous complaints were about payment of {$500.00} to XXXX XXXX when the debt had already been paid and these payments should not have been made. But now it is the opposite problem. I have outstanding debt to XXXX and {$300.00} should have been paid every month on XXXX but this month ( i.e., XXXX ) payment was not made!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern ; This to file a complaint to XXXX XXXX Apartment located in XXXX XXXX XXXX XXXX CA XXXX, this an apartment facility where we leave for a year from XX/XX/XXXX to XX/XX/XXXX. I have all copy of all the payments that i made thru my XXXX XXXX checking account as a proof that i am paying my monthly apartment rental since start to the end of my contract on XX/XX/XXXX. 

Last XXXX months ago, I received a call from Genesis Collection agency advising me that i have a debt or unpaid bills from XXXX XXXX Apartments amounting to {$XXXX}, this is unpaid mortgage rentals from XX/XX/XXXX to XX/XX/XXXX at first I thought that it was a prank or sort of prank calls that wanted my Name and my personal information but when I double check it thru my credit karma account and XXXX, the Collection agency was on my account as well as my credit score abruptly affected on this credit reporting. 

Since last month I tried calling the XXXX XXXX apartment but they are not cooperative and insisting that I am responsible for the debt. I am explaining to them that how that possible for me to rent an apartment in XXXX XXXX while I am working in XXXX XXXX since XX/XX/XXXX to present and left the XXXX XXXX Apartment on XX/XX/XXXX. 

I called the Corporate office of the XXXX XXXX XXXX but I had the same treatment with no cooperation at their side they advise me to call collections agency and to pay for the debt amounting to {$XXXX}. I think that this Apartment Facility, XXXX XXXX didnt ask any documentation from the renters who replaced us when we finished our contracts, they asked the new tenants to use our personal information to rent the apartment, since the new Manager XXXX told me over the phone that they used the same XXXX XXXX and always pays cash every month and issued a receipt to the tenants under my name, and I saw to from the letter from the collection agency my name and the full details of the account. 

So I wanted to file a complaint to this Apartment facility to clear my name and i want them to call the collection agency to cancel any collection on my name and also sent a clearance to the Credit bureau to remove delete and clear my name on this debt. 

I want to request for this facility to issue a confirmation letter thru registered mail confirming that i have no obligations moving forward for this debt. 

I want to reiterate for the last time, that I didn't have any idea on this debt since i was residing in XXXX XXXX in XX/XX/XXXX, I am ready to send all proof of documents as per request. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
REPORTING FRAUD ON THE   XXXX   MAJOR CREDIT REPORTING AGENCIES. 1.  XXXX    XXXX   XXXX   XXXX    XXXX , TX  XXXX  / 2.  XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX . 3. TRANSUNION   XXXX   XXXX   XXXX   XXXX   PA  XXXX  / THE MAJOR CREDIT AGENCIES KEEP REPORTING THAT MY MEDICAL BILLS HAVE NOT BEEN PAID BY THE STATE MEDICAL INSURANCE. I BECAME   XXXX    IN   XXXX   MONTH OF   XX/XX/XXXX .  ALL OF THESE MEDICAL BILLS WERE PAID UNDER MY STATE MEDICAL INSURANCE HEALTH PLAN. PASS AND PRESENT. 1.   XXXX   XXXX   XXXX     XXXX   ID MEDICAL CARD NUMBER   XXXX   / DATE OF BIRT H   XX/XX/XXXX  / 2. STATE OF CALIFORNIA HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX  / DATE OF BIR TH   XX/XX/XXXX  / 3.   XXXX    HEALTH INSURANCE ID MEDICAL CARD NUMBER  XXXX . ( ( ( I AM   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 2022-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a coinbase.com user. I also have a coinbase card with them. On XX/XX/XXXX I transferred XXXX $ to my coinbase account then attempted to make a purchase of a tv for XXXX, when it got to the visa verification the card VERIFICATION failed, no purchase was made but coinbase still took the XXXX from my account. They are not responding & since the card is from then And the money is pulled from them they are my only customer support. But they will not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01
Company: Amsher Collection Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Nelnet, Inc.
State: HI
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: Problem with personal statement of dispute

Complaint:
I've called and wrote to NELNET about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation