BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-10
Company: Experian Information Solutions Inc.
State: MD
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:
My complaint against Experian anf XXXX  is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. Experian and XXXX  are not aware of that law. 

Other discrepancies also exist. Experian nor XXXX have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The Experian reporting always lists those terms and they are without credible data. 

I would like Experian and XXXX to correct their reporting and provide me with the corrected 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/19 @ XXXX from XXXX states calling from portfolio recovery I received a call, agent identified herself and the company. I ask her to remove my number she told me she could not do so. I then asked her to cease & desist all calls to my number and gave her my number. She said she couldnt do so and ended my call. 
XX/XX/19 @ XXXX from XXXX another call and I answered and stated to cease calls before I heard a voice then they hung up XX/XX/19 @ XXXX from XXXX agent stated from portfolio recovery I asked her to cease all calls and she said she couldnt do so until I told her who she was speaking to. I again asked her to not call my number. She hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan and was told that there was no pre-pay penalty, the loan was for {$2600.00} at a rate of about 184 %, I paid near ly two thousand in one m onth and instead of them taking the face value, they took off the back end of the loan, charging me still  $  XXXX +  a month, when I should have been charged the interest on the remaining amount. The loan wash from CashnetUsa. Help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was notified that on XX/XX/2021, some unknown person applied for a credit card from XXXX. They used my correct name and phone number. 
it was not me, I do not/did not use XXXX ever, and did not apply for credit at all. 
I have attempted to contact Experian for two days for help and no one answers the phone and their site refused to allow me to dispute this hard inquiry online. 

I want to notify Experian that is not me, it needs to be noted as fraud, and put a fraud alert on my credit report, and also remove this hard inquiry from my credit report. 

Experian never answers the phone, and does not allow disputes to be filed online, they only want to sell monitoring products, which I have, and it still won't let me report this fraudulent activity to them. 

I need help

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 2021-12-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Unfortunately My father passed away XX/XX/2021. I was left to keep up with everything. I found 3 checks under my fathers name at home, he had the tendency of sometimes forgetting to cash them out, so with everything going on ( funeral, bills, school, mychildren, work ) I didnt have time to go up to the bank ( chase bank ) so I deposit all 3 checks to my account thru my mobile app didnt think it would be an issue since Im his XXXX daughter. I deposit 2 of them on XX/XX/2021 one for the amount of {$700.00} which was returned for altered and another for {$630.00} which was returned for NFS and the 3rd one was deposit via atm XX/XX/2021 for the amount of {$550.00}. I went to the bank office and I also called explaining the situation I had no way of knowing if they where cashed or not I also tried to explain he passed away but he signed all 3 of them tried to provide death certificate but I was turned away without any help or chance. And was told my account would close without further investigation. 
I wasnt even told I had to find out thru my mobile app. I never received a letter from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Global Lending Services LLC
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: Account status incorrect

Complaint:
The company Global Lending has been reporting on my credit that the account is past due even though I have disputed the account due to the fraud that occured when account was opened. The company continues to tell me they are waiting to get in contact with the car dealership ( XXXX XXXX ) to have them cancel out the contract. I was told by a man name XXXX in the escalation department that he was going to remove the negative status on my credit, When I called in about it I was told by a manager he never made any note of it. When I told her last week that i ha proof he said it she said she was going to go back and pull the call and call me back, when she called me back she heard him say it. It was reported deliquent around XX/XX/2020, Even though i had filed the compalint with Consumer Financial Protection bureau on XX/XX/2020 disputing the debt and their practices and then i had been complaining for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They say the have an excellent service. I don't think so. They put a restriction in my checking acct. I have no idea what happened. This is unfair, how they restrict my money. I'm the only paycheck for my family of 2 kids and wife. I'm crying. I have 2 hours trying to solve it. They have somebody named XXXX or XXXX just transfering to nowhere. Why you pay a person to solve nothing? She is just transfering where they never will answer and solve it. What is going on? Horrible situation. They have millions. Why they want steal or retain my money? Unblock the restriction and give my money back. A compensation of more than {$500.00} for the incovenience sounds good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Park Hill Holdings
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my rental history on my consumer report, I have found that there are 2 fraudulent Identity Theft items listed. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following 2 fraudulent rental history court record items I wish to dispute on my consumer report : XXXX XXXX case number XXXX, Suit date XX/XX/18 and XXXX XXXX XXXX XXXX case number XXXX, Suit date XX/XX/2018. I have never lived at those apartmenta or addresses and how can I have possibly have 2 landlord/tenant jidgements within 6 weeks of each other. I have been a victim of Identity Theft a few years ago and strongly belive this is a continuation of my past issue. By Federal law you are requested to list complete accurate information and you are listing 2 fraudulent identity theft items. I have lived at my current apartment for over 5 years. Per Federal Law when a consumer informs the consumer reporting agencies of Indentity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report, State ID and social Security Card for viewing and verification. Per the FCRA

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 2020-10-07
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/XXXX I received an email from Synchrony Bank regarding promotional financing I requested. This caught my attention because I had no balance on my Synchrony Bank/Care Credit account at the time. I logged into my account online and found {$6300.00} had been charged to my Care Credit account.

I contacted Synchrony immediately to contest the charge. I was given details about where the charges originated and I was told this charge would be taken off my account and a new credit card would be sent. When I received the new credit card, there was an  additional card with the name XXXX XXXX enclosed. I contacted Synchrony again and I was told she became an authorized user for my account in XX/XX/XXXX. 

Starting XX/XX/XXXX I began to receive letters from department stores, online catalogs and other retailers giving me explanations for denying me credit. I never applied for this credit and it was clear my identity was stolen. I immediately froze my credit at all three major bureaus and put a fraud alert in place. I took other steps as well that month, including following the steps recommended by the FTC for when your identity is stolen. 

I am frustrated with the lack of care Synchrony takes with my identity. In addition to the fraudulent accounts with retailers I have no relationship with, there were two fraudulent applications for credit line increases for accounts I do own. One of these is the very same Synchrony Bank/Care Credit account in discussion. When I discovered my identity was stolen in XX/XX/XXXX, I contacted Synchrony Bank along with all my other creditors to let them know my identity was stolen. Yet two months later, Synchrony allowed XXXX XXXX to obtain a credit card under my own account in XX/XX/XXXX and had {$6300.00} be charged ten months after that. I am frustrated and worried.

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 2020-04-22
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or around XX/XX/XXXX Id purchased a vehicle via Mercedes-Benz Financial and they have been reporting my payments to all three ( 3 ) credit bureaus up until XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). In addition to my complaint, this car was paid in full on or around XX/XX/XXXX via a letter Mercedes-Benz Finance themselves. 

Spoke with a rep at the company and they informed me that they havent been reporting to the bureaus due to this pandemic of the Coronavirus but Im abstruse because prior to this pandemic they still werent reporting anything in regards to this account to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account with US Bank Home Mortgage to pay property taxes and property insurance. US Bank failed to make the payment on its due date ( XX/XX/XXXX ) - I talked to them 3 times and was assured the payment will be paid, it is 2 weeks past due now. There is no sense of urgency from US Bank to resolve the issue even though they were informed that I have notice of cancellation from the insurance company. 

XX/XX/ : Contacted US Bank regarding insurance payment - I was told that no premium notice has been received even though XXXX XXXX had sent 2 premium notice. I was told that the address on the premium notice was incorrect - US Bank never notified me about change of address. 

I was told to upload the premium notice through ihaveinsurance.com/usbank - the document was uploaded on XX/XX/2019 XXXX XXXX PST XX/XX/2019 : Called US Bank as no payment was made. US Bank representative confirmed the premium amount & address and assured me that payment will be processed the same day. The representative was informed about the notice of cancellation.

XX/XX/2019 No payment made - called US Bank again- the representative told me that we don't have premium notice, even though on XXXX they confirmed the premium amount. Talked to 3 different representative and all of them refused to resolve this issue. I was told to call back on Monday, XX/XX/XXXX and none of the representative were concerned that the insurance will be cancelled within a week.

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 2021-06-14
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 fraud alerts or security freezes

Complaint:
Experian provides no way to remove a security freeze. 

My account has a freeze that is preventing me from getting any credit issued to me. The direct contact information disconnects you, and the automatic one only allows you to place freezes. 

When calling the XXXX XXXX XXXX you will be asked by a woman " where to direct your call '' then she will transfer you to a deadline or disconnect you. 

They provide no email support for this issue, and due to the software use and automation, you can effectively not reach them for anything regarding this issue.

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 2019-12-14
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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:
In previous letters I have requested that you review the information, contained in the credit because it is not correct, but they have not given me an answer, this is not 100 % true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Conn's, Inc.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am utterly disgusted at  Conns Home F urnishings!! I purchased a new  75 '' 4K sm art TV from them yesterday at  XXXX  and they ran my credit and took my money up front I paid {$400.00} to get the loan to get the TV. I got the TV home and left it safely there unharmed until my work day finished then I unpackaged it and set it up! It was wonderful until .... half way through the first movie on the left hand side of the TV a blue line appeared. Needless to say I called  Conns  and they said I needed to call the repair center they could not replace the TV they can send someone to repair it!! I could not call the " repair '' center as they were closed so I called  XXXX , they did some simple test and they told me they could also send someone out to " Fix '' my TV I said no way! I paid for a new TV and I should get a replacement asap! they said the repair team would have to determine if that is the best option for me! I told them it paid for a new TV and that 's what I am getting period. I asked to speak to manager and they are supposed to be calling me back. SOO the next day today   X/XX/2017      XXXX  I called the " Conns Repair team '' and they tell me basically they can and wont do anything for me and that I have to work with  XXXX , I said so you sold me a defected product and you wont do anything at all about it!! To be fair they should be sending me a new TV with free installation!! I went round and round with them and they kept saying the same thing call  XXXX ! I did n't even have this TV for  XXXX  and its defected and they said I can bring it back for a full refund or call  XXXX . Wow!! really I wanted the TV that 's why I purchased it not to have to bring it back .. no customer service skills at all and I am getting treated VERY unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.

Company response to consumer: Closed with explanation