BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX XXXX  XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have an Income Based Repayment plan for my loans. I was directed to re-certify my income in XXXX, which I did using the online system to connect my loan servicer directly to the IRS. I received no confirmation or other communication throughout the month of XXXX and XXXX until XX/XX/XXXX when {$1700.00} was pulled from my checking account ( my usual payment is {$130.00} ).  This draw will make it so that I can not pay my rent and may be evicted. This is the second time this has happened with Nelnet and Department of Education loans. How hard would it be to at least let someone know/confirm before drawing over 100x the usual payment? This shouldn't be allowed with auto-payment, it is predatory and in the end, if my problem is fixed and the payment refunded, or if I end up homeless and bankrupt it will only hurt the company that's not going to receive future payments and will have to pay their employees to spend hours with me on the phone trying to fix this. I went through a similar situation a few years ago that was ultimately resolved but a huge waste of my time and emotional well-being as well as the company 's time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: eCon Credit LP
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:
Nationwide Acceptace, dba XXXX XXXX, is reporting that my payment is 30-59 days past due and I owe {$66.00} but the balance was paid in full on XX/XX/19.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XXXX XXXX has called me approximately 17 times in the last 30 minutes after telling them not to call. 

I find this to be harassment. 

Please advise me.

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 2021-07-22
Company: DISCOVER BANK
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I cosigned for my grandson student loan in XX/XX/2019 for XXXX been making payments, statement shows principal payments of XXXX and interest of XXXX with a balance of XXXX how do I owe more than the original amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: LA
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 submitted several letters to BOTH credit bureaus- XXXX and Experian disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified AND claims the it legally meet FCRA requirements but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status- ONE BUREAU IS REPORTING OPEN and THE OTHER IS REPORTING ACCOUNT CLOSED '', ''dispute status '' and ''date of last activity ''. NEITHER BUREAU IS SHOWING AN ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2017-06-28
Company: SYNCHRONY FINANCIAL
State: TN
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:
11. SYNCB/XXXX Other Loan Late 60 Days {$0.00} XXXX. XXXX, 2015 States that I am 60 days late. I never opened this account and just want it corrected with the late payments and removed. Please ...

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 2020-08-19
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple letters from Convergent Outsourcing Inc. regarding multiple debts that are not mine. 

The first time was about a year ago regarding a XXXX account when I have never had an account with XXXX. 

Now, more recently they are incorrectly claiming I owe money to for a delinquent XXXX XXXX services account. While I did have an account with them I closed that account and paid all bills and returned all equipment in a timely manner. Upon contacting Convergent they admitted that the account on file had an address that was never mine. 

They are repeatedly and incorrectly assigning debt to me and others as seen on the complaints page of the XXXX XXXX XXXX  as seen here : https : XXXX Please help correct their practices.

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 2019-07-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around 2012 I paid this card with proof from bank and it was sent to collections by original bank. Now Cach LLC will not accept it was paid with proof and it remains on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PayPal / Synchrony Bank opened a credit card in my name without my authorization.

I have cancelled my PayPal account, however this account still appears on my credit report. I have had a freeze on my credit for years and do not know how they were able to open an account without my authorization.

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 2019-11-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
While going thru XXXX XXXX  my son in law stole my card and charged around XXXX. To play a XXXX game from XX/XX/XXXX thru XX/XX/XXXX. I am XXXX and live on social security only. Had XXXX XXXX XXXX and big XXXX XXXX with XXXX inch incision. I would never authorize these charges. I contacted citi bank and first they took charges off but now say I am responsible to pay the charges.

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 2022-08-05
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXXXXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an Inquire fro m Comenitycapital/ XXXX   on  XXXX    XXXX ,2016  which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX on payment history on credit file show there was XXXX XXXX. The account was closed on the XXXX. The status shows charge off and the amount of the charge off shows XXXX. There has been XXXX XXXX on this account XXXX thru XXXX. From XXXX thru XXXX is reporting XXXX. Date of first delinquency XXXX payment history on credit report has XXXX XXXX. Also, this account is reporting that it is a XXXX account it is a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XXXX / XX/XX/XXXX for {$1500.00} in promotional ( 12 months on interest ) at AMAZON XXXX XXXX CARD ( Synchrony Bank ) On XXXX / XX/XX/XXXX I returned the purchase and was refunded the same amount I paid. At the next bill the value continued. I called the customer service ( XXXX ) and explained the situation, they told me that in the next two bills would not appear anymore. 
I didn't pay attention until this month ( XXXX / XXXX XXXX when I was charged interest ( {$360.00} ) on that purchase. 
I checked the previous bills, and I found the amount ( {$1500.00} ) in all of them, and charged payments. 
In my calculations I paid {$1100.00} including {$360.00} of interest. 
I called again and they said was nothing wrong.

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 2019-07-23
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:
I contacted the credit breau Equifax and advise them my file was mix up with someone elses credit file and I disputed 2 accounts multiple times I even call the creditor and the confirm that the accounts did not belong to me but when I disputed it with Equifax it never got taken off my credit report so I file a FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
US Bank is abusing my checking account and wrongfully withdrew {$490.00} from my checking account. 


I reached out to US Bank in XX/XX/XXXX in regards to a transaction in which the merchant promised me a refund in the amount of {$490.00} in the event that I did not pass the exams. This purchase was made in XX/XX/XXXX. 

I reached out to the merchant numerous times with no success. 

When I was on the phone with US Bank in XX/XX/XXXX, they agreed to issue me a provisional credit and the only request was to send back a faxed form confirming the purchase. 

There were no mention of anything else. Again, nothing else. 

Then on XX/XX/XXXX, I received a letter in the mail stating that " you were to notify us no later than 60 days after the transmittal of the statement in which the disputed item appeared and the 60 day period has passed ''. 


On XX/XX/XXXX, XXXX US Bank withdrew {$490.00} from my bank account without authorization or without telling me in writing or on the telephone while creating the dispute in the first place that my window of provisional credit or refund has passed. 

Therefore, due to their own error, again they wrongfully took {$490.00} out of my checking account and they need to replace it immediately as this is fraud on the bank behalf for " bait and switch '' as it is their responsibility to notify the consumer in advance that such deadline has passed and they did not mention anything in writing or on the telephone when the dispute was filed. 

They just randomly took {$490.00} out of my bank account when I followed their instructions and faxed the form back

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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a Direct Dispute which was submitted to Transunion for investigation. It has been almost two months and Transunion is saying that this is still under investigation. I submitted the dispute to Transunion on XX/XX/XXXX. Today is XX/XX/XXXX. This morning I checked the status details and it is only indicated that the status is Under investigation and that it the investigation should be completed by XX/XX/XXXX. 

The item that I submitted to be disputed is : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX Original creditor XXXX   OpenedXX/XX/XXXX ( 11 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor XXXX Report info

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 2017-06-28
Company: EQUIFAX, INC.
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:
To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: FACTUAL DATA CORP.
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:
1. There is a hard inquiry on my credit from a company named " XXXX ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " Factual Data ' on XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX, Experian and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-05-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX/XXXX/XXXX  I made the deposit scammers gave me and bank cleared the deposit on XX/XX/22 so i made XXXX  payment on XX/XX/22 to the scammers.. bank returned deposit.. today XXXX I deposit 2nd check that scammers gave on XX/XX/22. Scammers asked me to buy {$2000.00} worth of XXXX gift card  and I did buy {$1000.00} XXXX gift card and gave them the gift card info. Then I felt something wasnt right and told them Im not comfortable giving another gift cards. So everything stopped. I immediately called Chase and told them it was scam and they said theres nothing they can help. Nothing they can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was in Bankruptcy for 18 months and discharged XX/XX/XXXX. I received my truck title from XXXX XXXX XXXX XXXX   the last week in XXXX, so no problem with this. 

However, My First Associates Loan Servicing LLC ( XXXX XXXX ) loan was paid off through the Bankruptcy Chapter XXXX on XX/XX/XXXX by XXXX XXXX XXXX too. 

I contact First Associates Loan Servicing by phone on XX/XX/XXXX and was told the loan was 61 days past due $ XXXX. The customer services rep put me on hold then came back and said I had the wrong number and I do not have a loan. The number I dialed was and was told my account was past due with a balance. Then I was told I did not have an account. The number I dialed was XXXX. 

Then on XX/XX/XXXX, I received an email to update my password on XXXX XXXX portal. On XX/XX/XXXX I did and I type a message inquiring about my title. As of today, I heard nothing from First Associates. Based on the internet reviews, I may never get my title back so I am seeking help from CFPB.

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 2022-05-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wakefield & Associates aka : XXXX XXXX  - original creditor XXXX  {$610.00} XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX XXXX www.wakeassoc.com I have repeatedly contacted both original creditor and Wakefield & Associates on this is a fraud matter. I was removed and now is showing back up on all 3 of my credit bureau reports. I have filed complaints with your cfpb organization back in XXXX  and FTC Identity Theft and local law enforcements.

Company response to consumer: Closed with explanation