BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The XXXX Credit bureau must remove an old account that is ready to fall off my report I have tried several times to get this account removed.

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 2020-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX  XX/XX/XXXX {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Nelnet, 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 information incorrect

Complaint:
THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXX Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
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 information incorrect

Complaint:
THEY ARE SHOWING A LATE PAYMENT THERES NEVER BEEN A LATE PAYEMENT AND THEY NEVER VERIFIED. 

Account Statement DateXXXX XXXXCurrent Balance $ XXXXRegular Monthly Payment Amount $ XXXXAmount Already Paid for This Month- $ XXXXPast Due  Amount ( if applicable ) + $ XXXXCurrent Amount Due {$0.00} While not required, you may continue making monthly payments even if no payment is due, as interest

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 2016-06-08
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: LA
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. | experian consumer reporting violation under 12CFR 1026.13, 15USC1681s, EXPERIAN has reposted closed accounts over multiple month against FCRA consumer reporting guidelines, experian has been continuing to report accounts that were they never authorized under regZ of TILA and more. PLEASE SEE ATTACHED.

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 2020-10-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I contacted Navient in XXXX to recertify my income-driven repayment plan, Pay As You Earn. They did not inform me of the CARES Act, which would have automatically re-extended my IDR PAYE plan until XX/XX/XXXX with a {$0.00} payment. Instead, they sent me multiple emails requesting income documentation. I since spoke with XXXX, XXXX, this week, and I told her that I wished to have my IDR plan automatically extended until XX/XX/XXXX. She told me that it would be automatically extended, per the federal mandate. I then received an email saying that my IDR plan had been approved yesterday. I contacted XXXX, XXXX, yesterday on XX/XX/XXXX. He told me that my plan would begin the following year in XX/XX/XXXX for {$26.00} a month. I told him that this was illegal, that the representatives had illegally solicited information regarding my income in violation of the CARES ACT. I told him that my income could change due to massive layoffs related to Covid-19 and that this information had been illegally solicited by the Navient representatives in direct violation of the CARES Act. I told XXXX to please change my plan to the federally mandated recalculation date of XX/XX/XXXX. I told XXXX that it was not legal. This morning, on XX/XX/XXXX, I received an email saying that I had payments due in a week. 
" Your calculated IDR plan payment amount : {$26.00} Plan begin date:XXXX Plan end date : XX/XX/XXXX '' The actions that Navient has taken on my account are in direct violation of the CARES Act. Their solicitation of income information when my plan was not due to recertify for another 12 months on XX/XX/XXXX with a recalculation date of XX/XX/XXXX per the Cares Act is against federal law. I have tried to work with Navient, but their representatives lie to me, illegally soicit my income information, and they are in direct violation of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Convergent Resources, Inc.
State: PA
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:
Convergent Outsourcing Inc. continues to attempt to collect a debt that is not owed for roughly 2 years. They are the collection arm for XXXX XXXX. I have disputed the validity of the alleged debt as not being mine. I have asked for validation of the debt. and they send a copy of a statement with my name on it. I have on numerous occasions asked for anything with my signature or a recording that evidences my approval for the charging of the {$170.00} they continue to attempt to unlawfully collect. I believe they are violating the FCRA, FDCPA, Pennsylvania FDCPA and Pennsylvania UDAP and these violations as well as the acts individually constitute a violation of UDAAP. 

Further when I point the above violations of law out to the CSRs, for Convergent, they tell me I have to file a fraud claim with XXXX XXXX. I expressed my incredulity that they were not satisfying their affirmative obligation to only collect on a debt that was valid and again demanded that they validate the debt or remove the inaccurate information of the debt as allegedly owing to Convergent and XXXX but they refused multiple times. 

It is clear that Convergent Outsourcing lacks appropriate training, corporate leadership, compliance and legal knowledge as well as any kind of QA or monitoring or testing program to be permitted to continue collecting debts for themselves or third parties. 

I urge the Bureau to investigate the foregoing matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts listed below are fraudulent and out dated. The accounts listed here DO NOT belong to me. It has prevented me from obtaining gainful employment. This is supporting fraud and I demand that they be removed immediately. Fraudulent accounts are as follows : XXXX XXXX XXXX  XX/XX/XXXX, {$5600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX {$5200.00} ; XXXX XX/XX/XXXX {$1400.00}.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion, in non-alignment with XXXX and XXXX, is listing my previous address as my current address and my current address as my previous address! This is a problem for it shows a discrepancy on my credit reports which shouldn't exist.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion File number : XXXX Date issue XX/XX/XXXX XXXX claims I owe them {$450.00}, I am not told what I owe for. They claim the insolvency is less then 2 years old. I have been a customer of XXXX since XXXX and before that I was a customer of XXXX XXXX XXXX. I have asked Transunion to open an investigation. They said the charges were valid and less then 2 yrs old. I asked them if they show any proof and the reply was no they just sent a statement. So I asked them to open another investigation and to please ask XXXX how my phone number under XXXX service can be under their services ( which I have neither solicited nor agreed to ), The second investigation came back with the exact same result as the first one. I could pay it to make it go away ( I hear friends ended up doing so ) but it is morally wrong. I feel like I have been blackmailed. I was unemployed and have worked hard to repair my credit and Transunion seem set not to allow my credit to go over the XXXX mark

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 2020-03-06
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Chase and when having past issues with a private companies regarding a fraudulent transaction, unauthorized charge or services not rendered Chase is quick to deny my claim. When calling Chase and speaking with a representative I request documents regarding their fact finding and resolution and although promised I do not receive those documents. I'm specifically noting past instances where I was wronged as well as recently where my card was stolen. I just have been looking to be indemnified as per our banking contract and really wish Chase could be in my corner when something goes awry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have repeatedly asked Synchrony bank to no longer contact me directly since the account is being handled by XXXX and all communication should go through them. I am still receiving XXXX calls a day from them and now they are calling my parents house where I have not lived in over 15 years. I do n't even know how they got their number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this card for years. I pay it in full every month by using the AutoPay feature. 
In XXXX, I changed bank accounts. So I updated the account on their web portal with the new bank account information. 
The charges for XXXX and XXXX were deducted from my new bank account correctly. 
Then Fidelity did a system update in XXXX. After that, they pulled out my old bank account information and tried to get the XXXX payment from that account. Obviously, the account was closed by then and the payment came back. 
Now, for months, they put hold on all my payments. This was their mistake but they refuse to work with me to fix this. 
Every time, I make a payment, I have to call their customer service to get the hold released. 
This is unacceptable.

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 2020-10-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The accounts listed here MUST BE removed because they do not belong to me. I demand they be removed now because they are fraudulent accounts. This is supporting fraud, if the credit bureaus do not removed these accounts I will file a lawsuit. Fraudulent accounts are as follows : XXXX XX/XX/XXXX, {$120.00} ; US DEPT OF EDXXXX XX/XX/XXXX, {$1100.00} ; US DEPT OF EDXXXX XX/XX/XXXX {$640.00}.

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 2015-07-25
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from Midland Credit Management , Inc. with information on an account which is not mine, implying that it is and that I must make payments on it or else they will take legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Acct : OFFICE OF THE ATTY GNE I submitted a dispute for an account that is was Closed in 2021 which was Removed from my credit report also and then put back on my credit report without 5 days notice and has not been verified at all I have went so much as sent a validation to the company on my credit report and never received any documents showing my signature for a contract or anything what so ever. On XX/XX/XXXX I filed an dispute on this same account and on the same day they came back saying that the account was verified THE SAME DAY

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 2020-10-03
Company: JPMORGAN CHASE & CO.
State: ID
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:
Fraudulent charge made to my Chase credit card : XX/XX/21 XXXX XXXX XXXX UT XXXX I contacted Chase, reported it as a fraud. Chase issued new credit card and credited my account. 

XX/XX/21 XXXX XXXX XXXX UT XXXX Chase issued letter indicated purchase was not fraud. 

I contacted Chase and they continued their review. 

Contacted by Chase indicated they have completed their review and determined the purchase was not fraudulent. Chase did not provide any additional information to me as to how this determination was made. 

I attempted to contact the vendor using the phone number listed with the purchase ( see above ). A recording. Number is a Utah phone number. I live in Idaho. I have not been in Utah in 5 years. Also, the recording is for a baseball team in XXXX DC. I have not been in XXXX DC in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Convergent Resources, Inc.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Convergent Outsourcing , Inc has not provided proof of a debt with my signature in which they claim I owe. They are also not licensed in the state of CT to collect such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved out of my rental apartment with XXXX XXXX XXXX on XX/XX/2020. We received follow up bills for utilities payments, as well as move out fees deducted in excess of the security deposit totaling {$160.00}. I contacted the company for further information on what the charges had originated from. I also highlighted that upon looking at our previous rental agreement, we had been overcharged on a monthly basis per their admission earlier in the contract signing phase of our agreement. We had requested additional information on the charges and inquired as to if the excess charges would be refunded, and were told that information would be provided before finalizing the charges. This information was never provided, even after following up with the company 3 times. Less than ( 1 ) month after being told we would receive the information and finalized charges, this debt was sent to collections unbeknownst to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
put a lien on my house. after I paid them off, they did n't remove the lien or judgement. I am now trying to sell that house, and ca n't cause of the lien. they are refusing to remove the lien and wo n't talk to me, but insist I get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.

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