BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-14
Company: Professional Debt Mediation, Inc.
State: FL
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:
The collector ( Professional Dept Mediation, inc ) has reported to credit report that i have a balance with there clients.i do not have a balance.i leaved there for XXXX years always paid on time never late.i completed my rent.They bushed me out because the complex was going to be converted to condo and they where selling them to future owners so old management company who was there for XXXX years got fired replaced by a new company brokers so they can sell and convert XXXX XXXX to XXXX investment.there was a war on administration old to knew.i left when knew company was coming and i did n't want us to renew the lease so i was forced out.that was almost XXXX yrs ago.now they say i have a balance {$3700.00} its a lie .i need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax credit report shows a address I have never lived at and requested payment t be removed however the bureau continues to report it m, I also disputed a Bankruptcy which is reporting showing the court as a XXXX North Carolina court I have never stepped foot in XXXX no and do not have a benkruptcy as that indicate they state this information was provided by XXXX XXXX I contacted them to learn they have no record of this filing in additions public records are suppose to be updated every 90 days and this reports as last updated 2016 ... also Equifax has reapplied a previously removed collection item without communicating anything to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: NV
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:
On   XXXX   XXXX   , 2017 a c reditor known as  XXXX   XXXX  showed up on my credit. There is no contact information that was provided for this creditor, and I do not recall doing anything that would result in a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: EZCORP, INC.
State: WI
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX XXXXXX/XX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I surrendered my XXXX  XXXX XXXX. Capital one sold the vehicle but did not provide me information. Capital one listed a total due of {$9900.00} dollars remaining of the vehicle loan. However they recently closed the account after I demanded them to stop contacting me in regards to this debt until they can provide the sufficient validation for the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
First I was not properly explained during my account opening the opt in or opt out procedure of overdrafts and they did n't go over any of the additional steps that I needed to take to ensure my protection against overdraft fees. I had the money available in my savings account but the personal banker had not linked my accounts together like I assumed she had when she talked about it. She explained the opt in as overdraft protection instead of what it really was. She also did not give me a temporary card when opening my account so I had no access to my money until I came back from vacation even though she knew I would need it. She did not go over the steps needed for online banking and I was not able to make the changes to protect myself against fees such as linking accounts and setting up alerts which I thought she had already done for me since it was something that was discussed. 

After I had noticed that I had over {$200.00} in fees in less than 2 days I went to a branch near my work but they could n't do anything since they did n't have an approval from anyone. The manager at the XXXX branch attempted to get approval but there was neither a manager or assistant manager to help and they told me I had to go in the next day when they would be available. When I went in to the branch that opened my account I was not able to speak with the manager because he was in a meeting. I asked if I could come back later and the assistant made a point that he would not help me and that it would be useless for me to call him at a later time. I then tried to get information about the call center and whether they would be able to help but she told me there was no point and that if she would n't help me no one else would be able to do anything either and I just had to take the fees. She was extremely rude the entire time and from what I understand from her customers and employees she is like this with everyone and also treats her employees poorly to where they no longer wish to work there just because of her just as I no longer wish to bank there anymore. This assistant manager is in the U.S. bank location in XXXX at XXXX in Colorado.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received an alert from my credit card company, XXXX XXXX, stating I had a derogatory account on my XXXX  report. The only information listed is Portfolio Recov Assoc, reported on XX/XX/XXXX, amount of {$990.00}. 

I have not received any notice by mail or email or phone voicemails from Portfolio Recov Assoc.. I do not understand how they can report anything to any of my credit reports without contacting me first.

This is alarming since I had a unusual company contact me last year regarding a very old bank account. After investing XXXX XXXX XXXX, they were attempting to collect a debt without any proof. I submitted a complaint to regarding XXXX to the Ohio Attorney General. The company reposted they would stop harassing me or collecting such debt. 

Is this related to such account? I have a document dated from XX/XX/XXXX stating they would not make contact with me anymore. Is Portfolio Recov. Assoc. have any relation to such a company? 

I also had fraud on my XXXX XXXX card that was in collections for several years. I have a letter from XXXX ( XXXX ) stating the fraud department investigated and resolved the matter on their side. 

Not sure if this is fraud, a scam, or other issue. When I had the issue with XXXX XXXX XXXX, they were threatening and harassing. This company, has done the opposite. They have not sent me a letter, or email. I have had the same email for many years and I have lived at the same address the past 20+ years.

Any advice and assistance would be greatly appreciated. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Nelnet, 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:
I dont think that all of the debt on my credit report is correct. Medical bills are false I always had medical insurance. XXXX bill I paid my last bill and discontinued the service. XXXX XXXX student loan is fraud Bcus that school is shut down completely and its illegal to sell my student loan to another creditor without my consent.etc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: Credit Solutions, LLC (KY)
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to this company on XX/XX/2019, to validate, not to verify this debt they say I owe. This company never validated the debt and the response letter they sent me on XX/XX/2019, also they violated my HIPPA rights by sending me an invoice with the things listed they say I had been treated for but I never signed a HIPPA release form for my information to be shared with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my account with Citi in XXXX of 2019 with the understanding that I had a {$0.00} balance. Out of nowhere I get a ebill showing a {$300.00} balance. A pending charge went through right after closing my account and since this wasnt paid Ive been accruing late fees ever since. I didnt receive any notice of this until here recently. Customer service is only willing to remove one month of late fees even though Ive not received any correspondence up until now. Now we owe {$300.00} for a {$90.00} charge we had no idea was going through when we closed our 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 2021-12-15
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX says I owe money to XXXX XXXX and Synchrony bank!! Both accounts are paid off ; however, they refuse to correct error!!

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 2021-02-23
Company: Colony Brands, Inc.
State: PA
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 dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a wrong address on my Equifax report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Nordstrom is withholding several Credit card statements from me for an upcoming small claims lawsuit against them. The missing statements are as follows : XX/XX/2022, XX/XX/2022, and XX/XX/2022. Why are they hiding them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-03
Company: U.S. BANCORP
State: IN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received a notice dated XXXX XXXX, 2015 stating that the PayCard program issued by Elan Financial Services and provided through Beacon Credit Union was being terminated ; stating that I would not be able to add funds after XXXX XXXX, 2015 ; and requesting I use all money on my card before XXXX XXXX, 2015, the close date. The notice also stated that barring any communication from me, any funds remaining on my card at the close date would be escheated. At the time, I had ~ {$2700.00} on the card. I immediately went to my credit union to withdraw the remaining funds. I was told that I could not withdraw more than {$1000.00} at one time, and that there was a cash withdrawal fee. I took the {$1000.00}, made a few purchases, and later withdrew another {$1000.00}. 

With my account now being under {$1000.00}, I went XX/XX/XXXX to withdraw the remaining {$490.00}. However, the expiration date on my card was XX/XX/XXXX and I had not received a replacement card so I was denied access to my money. Because I did not want any remaining funds on the card to be escheated, the credit union called the number on the card in my presence and then gave the phone to me. The Elan representative first told me that she could have a new card sent to me, but that it would not arrive in time for me to use it. BIG HELP. I asked how I was supposed to get my money. She said any balance on the account would be sent to me by check in XX/XX/XXXX. I specifically restated and verified that statement, mentioned the possibility of escheat per the notice, and expressed my desire to avoid it. The representative told me I would get the check and that the funds would only be escheated if I did not negotiate the check. 

XX/XX/XXXX arrived, and no check. So I called the number on my card again, and the Elan representative told me that the balance had been processed and I would receive a check within two weeks. Six weeks later, and no check. I called again, and was told that the funds had been escheated and was given the email address XXXXXXXXXXXX ' to find out how to claim my money. Exactly what I did not want to happen had happened. I sent an email to the address I was given three times and it was returned undeliverable all three times. I called again and was told that the email address I had used was correct and that there was nothing more they could do for me. I have been checking indianaunclaimed.gov ever since, but my {$490.00} dollars is still not listed. 

Elan had communication from me and my address never changed. I was not unreachable. If they did escheat my money, they should not have done so. Their customer service reps gave incorrect information on three different occasions. I still do n't have my money, and I do n't know who has it.

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 2023-02-03
Company: Credit Karma, LLC
State: AZ
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:
Credit karma promised me that I would get a credit card and then I was 90 % to 99 % qualify to get it and they promised I would have a credit card and I filled out all the information and they denied me and they did this to me on many occasions where they would send me an advertisement and tell me I qualify for credit card and I didnt qualify and affected my credit and Ive been doing this to me since 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Was trying to get a free credit report from TransUnion, and when I was making an account to get the report, I got charged for a monthly subscription even though there was no indication that I was signing up for one. They did not make it apparent at all that I was purchasing a subscription, and I was unable to find a way to even cancel the subscription.

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 2019-12-30
Company: JPMORGAN CHASE & CO.
State: GA
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:
Chase allowed a credit card to be opened with a fraudulent address and I noted it on my credit report - opened XX/XX/XXXX despite my credit report being frozen. I contacted them and the account was closed permanently.. On XX/XX/XXXX I sent them a letter as recommended by identity theft.gov and have not heard back from them. ( Chase ). Although the account is closed I have not received written confirmation from JP Morgan Chase .I would also like the know the charges that incurred with the fraudulent card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX  Account name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I sent a letter to Equifax for a free credit report, in which I was denied due to they wanted personal information such as, Driver License, SSN, Utility bill and a pay stub. On XX/XX/XXXX, I sent another letter attached with XXXX   letter proving my information is current and correct. I did received a response from Equifax date XX/XX/2018 stating " We are pleased to let you know that the results of the dispute you recently filed with Equifax are complete. '' I called Equifax and the representative still wanted to verfiy information by answering Multiple choice questions, I was offended plus my credit report was denied to me. I would like to have my free annual credit report from Equifax.

Company response to consumer: Closed with explanation