BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-31
Company: Performant Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Performant Recovery Inc is trying to collect a student loan debt that is not mine. They have contacted me periodically over the years and each time I thought this issue was resolved because I have paid all of my student loans on time and in full. They are assigning a debt of a person who has a close name to mine but her middle name is XXXX. She was also born in XX/XX/XXXX which is far before my birth year. They are contacting me by mail as well as my cell phone. I also believe they are trying to phish for my social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-01
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at XXXX XXXX and I have a genesis loan that they made me get and since, the loan has been sold to UAS and I am still being required to repay this loan when I feel I should not be because of the court ruling XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have had a banking relationship with Capital One since XX/XX/2022. Since that time, I have not had any overdrafts, bounced checks, and have maintained a positive balance in my accounts. On XX/XX/2022, I was approved for a XXXX unsecured credit card with a credit limit of {$500.00}. I always kept my usage at 8 % -11 % and made payments before due date. Having the ideal banking relationship was extremely important to me because I was building my credit in preparation for buying a home next year. 

For this reason, I was taken aback when Capital One abruptly and arbitrarily closed my XXXX Capital One credit card account on XX/XX/2022. After speaking with various customer service specialists, I was informed that the decision was made because Capital One has discovered adverse past or present legal action involving an individual or entity associated with the account. After receiving this upsetting news, I received an email informing me that my bank account will be closed on XX/XX/2022 for the exact same reason. This notice was emailed to me on today, XX/XX/2022. 

These accusations are not only outlandish but defamatory. I have no fraudulent or legal action that would warrant being treated this way. I even made one last attempt to resolve the issue by calling Capital One yet again. I even offered to send in any supporting documentation that could clear my name. However, the Customer Service specialist stated that her hands are tied since the bank made the executive decision to close all accounts associated with me. 

There is no merit to these accusations and Capital One has made it clear that they will not be reopening any accounts, now or in the future. Therefore, I have decided to file a formal complaint. I am clearly being discriminated against and Capital One has no grounds to close any accounts or make such claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Texas Guaranteed
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Diversified Consultants, Inc.
State: CA
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:
This is the fourth time I am dealing with this fraudulent debt that roots from XXXX XXXX XXXX. Every single time, this invalid debt is taken up with XXXX XXXX XXXX and the collection agency they refer the debt to and every time, it is removed and this is the 4th time it has now posted to my account. I have correspondence sent to XXXX XXXX and the previous agency and the account was removed. Each time XXXX XXXX says this is an internal error and then refer me to the collection agency. This makes no sense and is there no protection for a consumer against fraudulent collection accounts? I do not have the hours of the day to sit on the phone with XXXX XXXX and the collections agency every time this comes up. This is ridiculous that consumers have no protection against these types of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Synovus Bank
State: MO
Product: Credit card
Issue: Other

Complaint:
XXXX XXXX, Missouri Re : Balance Incorrect on First Progress Credit Card On my Credit Reports with the XXXX agencies, First Progress is showing I owe Then {$470.00}. That amount is incorrect I owe them nothing. This was an Unsecured Credit Card with my Deposit of Cash for {$300.00} for a {$300.00} Credit Line. 

I asked for them to Close the Account because I do n't Trust Them. 

I want to correct information sent to the XXXX Reporting Agencies that I Owe them nothing and the Account Closed with No Balance Owed. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Report act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, XXXX, and TransUnion ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection 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 2016-03-25
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I borrowed to fund my sons ' education. FedLoan Servicing processed my repayments. I refinanced the loans and they were paid in full ( XXXX XXXX on XXXX XXXX, 2015. Due to the processing of a direct debit while the payoff was in process, I overpaid FedLoan {$1000.00}. I have been unable to obtain a refund of the overpayment, despite multiple contacts with FedLoan. FedLoan has claimed on multiple occasions either : ( 1 ) that a check has been sent to me ; or ( 2 ) that FedLoan has arranged for someone else to send a check -- but I have never received anything. Please help me obtain a refund of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Green Square Company LLC.
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.

Company response to consumer: Closed
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting XXXX, Experian and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.

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 2022-04-13
Company: OneMain Finance Corporation
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me XXXX XXXX, XXXX XX/XX/2020 ONEMAIN XX/XX/2020 ONEMAIN XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have a bank account in XXXX ND. DCI froze my account and took 100 % of funds in that account. 
I am on SSDI every dollar I have was from SSDI. 
I have another very old federal bank they did not touch. But I have no available branch. So I transfer to my local bank for better access, I called DCI, they basically said too bad so said and took 100 % of available funds, and have my account frozen. 
This is not legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
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: Account status incorrect

Complaint:
I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my XXXX  report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( XXXX, Equifax, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from being marked as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. 
I do n't appreciate being harassed at my job. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Southwest Credit Systems, L.P.
State: PA
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:
On XX/XX/XXXX, I checked my credit report through XXXX  and XXXX. There is a collection from Southwest Credit Systems ( SWC ) for the amount of {$66.00}. I called and spoke with XXXX, from SWC, and she informed me that the collection was from a case that opened in XX/XX/XXXX for a delinquency in XX/XX/XXXX from XXXX. She was unable to provide proof of the debt, and was unable to provide any information regarding any attempt to contact me for the past 5 years. 

XXXX transferred me to XXXX Fraud department where I spoke to XXXX. He was unable to provide an itemized invoice for the {$66.00}, but was able to direct me to a website for ID Fraud via XXXX. ( I am currently trying to obtain proof of residency from XX/XX/XXXX - XX/XX/XXXX, but COVID-19 is causing some of those resources to be closed ). XXXX also confirmed that my XXXX account had been deactivated in XX/XX/XXXX. 

I called XXXX billing and spoke to XXXX, who again was unable to provide me with an itemized invoice for the amount being " collected '', instead he transferred me to XXXX, in customer service, and she was able to create a collection dispute ticket ( # XXXX ). XXXX was also able to verify that my XXXX account had been terminated in XX/XX/XXXX, at which time the account was transferred into ( my then husband, now ex-husband 's name ) XXXX XXXX. XXXX confirmed that there had been a review of the account completed in XX/XX/XXXX, but she was unable to provide and itemized invoice for the {$66.00}, and she was also unable to confirm any attempt had been made to contact me in regards to collecting the alleged amount due. 

At this point in time, 5 years after the alleged delinquency of {$66.00}, Southwest Credit Systems has reported derogatory information on my credit report without attempting to contact me, and without proof or validation of the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: DISCOVER BANK
State: NY
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:
I applied and got approved for the Discover student cashback credit card on XX/XX/XXXX. I was asked to sign the IRS Consent Form 4506-C for them to verify my personal information. I called their customer service several times, and they asked me if I filed my tax return in the tax years XXXX and XXXX, which I did for both. On XX/XX/XXXX, without any further communication, they closed my account, without me even using the card. And the reason was they couldn't verify my account for the tax years XXXX and XXXX. My XXXX federal tax return was still being processed, and, for the XXXX tax return, I used my ITIN instead of SSN because I didn't have an SSN back then due to my immigration status. There was clearly a miscommunication, and they closed my account and sent a report to credit agencies without even asking me for any further clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, Transunion and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX XXXX to get tv service. While I was trying to set things up. I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found a unknown account that does not belong to me except the XXXX XXXX   account they informed me about, maybe it still has not been reported, I am not sure. Please get these fraudulent account off my 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 2015-07-29
Company: SOUTHEAST MORTGAGE OF GA INC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-02
Company: Synovus Bank
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.

Company response to consumer: Closed with monetary relief