BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX   XXXX ,  XXXX  received a statement on a Bank of A merica Visa Card th at showed {$4500.00} new charges that are not mine. Called immediately spoke with fraud they said they would investigate.Canceled the card. Received a letter mailed  XXXX   XXXX ,  XXXX  saying they would investigate and issue temporary credit pending conclusion of investigation.   Never heard anything until I called them today to reveal that they had issued a replacement card, chip embedded, to someone who committed the fraud. It 's a card that I last used in  XXXX  and before that  XXXX  for charges less than {$40.00}. It 's a back up card that I simply continued to hold because it only had an annual fee of {$12.00}. The fraud was committed  over a two day period. On the third day the card was rejected fraudester called in and was told to bring i t into a branch.Which they did not and the problem stopped. There were fraud charges on the card to an electric utility to pay a personal bill, and truck rental which would also have yielded info on who is the culprit. All this and B of A never even called me nor even when they found out someone had my SS #, Address and Birthdate which they used to get the replacement card. I went int o a Branch today demanding action to find out what they knew so I could ascertain the identity theft damage. Found out they will not release any info to me until I fill a police report and they file a supoena, Time frame uncertain to complete. All this time has passed and someone out there has my identity info. B of A has done nothing to stop it or help me with info to protect myself. Asked for a Supervisor today and was told up to 48 hours for a response. I am just looking for the information to  protect my financial rear end- and they will not even help nor acknowledge their complicit behavior!

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 2022-12-19
Company: Experian Information Solutions Inc.
State: OH
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 reached out via certified mail and phone regarding issue of unauthorized inquiries on y credit report. I sent certified mail XX/XX/22, XX/XX/22, XX/XX/22 and a followup phone call XX/XX/22 which resulting in a hour long wait and then being hung up on. I informed them that I have noticed a number of hard inquiries that I did not authorize nor apply my signature to nor are attached to any account I possess and having these inquiries in error on my report is preventing me from obtaining new credit. and I need removed immediately. No response.

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 2021-06-10
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi I left XXXX over a year ago in pursuit of a cheaper monthly plan due to hardship which on numerous of times was discussed with XXXX Reps. I then went to XXXX who a little while after purchased XXXX. Before doing so, while at XXXX I contacted XXXX who stated I had a bill to settle for about {$300.00} dollars. XXXX would not take the XXXX Note that I had as a trade in so per XXXX I needed to return it and they would credit that to my account and I would only owe what was left and make a payment plan. I spoke to a XXXX XXXX who states they would send me the info to return the phone and after several other attempts that still did not happen I guess due to the pandemic chaos, im assuming. Then shortly after I started to get many many calls every day from a third party collections ( SOURCE RECEIVABLES MNG ), and now an attorney 's office ( XXXX XXXX XXXX XXXX trying to sue and/or harassing me to settle the bill that I have honestly tried to settle with XXXX directly and now charging me over {$2300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX  # XXXX I was never late, on Transunion and XXXX stated that i was paying " Exceptional '' but XXXX has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late

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 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
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 # XXXX ( XXXX ) and account # XXXX XXXX XXXX ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Navient Solutions, LLC.
State: NC
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:
Hi there! I recently returned to school for a XXXX XXXX degree - study began in XXXX of XXXX and concluded in XXXX of XXXX. In the summer of XXXX, I spoke to Navient customer service professionals and set up an Educational Deferment. Those Navient representatives made it clear that no additional interest would accrue on my loans while I was back at school, that my automatic payments would be cancelled, and that no payment would be needed from me until the fall of XXXX. Today, when I logged in to make a payment to Navient, I saw that the information they gave me in XXXX was incorrect. While no interest accrued on my subsidized loan, my smaller, unsubsidized loan did accrue approximately {$250.00} of interest over the two year period. Had my automatic payments not been cancelled, but rather applied only to my unsubsidized loan ; had Navient given me correct information in XXXX ; or if they had continued to send me emails about monthly charges, then it would have been easy to continue payments towards the unsubsidized loans, or to pay them off in full. When I spoke to a supervisor at Navient today, she apologized for the bad information I had been given two years prior, but since I had been sent a letter with accurate information months after having spoken with their representative, said there was nothing she could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company LVNV funding LLC calls repeatedly. I disputed errors on my credit and this account was removed and later reinserted. I file a dispute again and again then its removed and then it on my credit again. The company calls over and over sometimes after XXXX XXXX call this morning claiming I refuse to pay could be sued. I feel helpless as a consumer. Even once an account is 7 years old the collection companies still call and pretend to be lawyers. LVNV Funding is the only company that does this. It causes extreme stress and I dont understand why a collection agency could treat people like this. I spoke with company explained I was unemployed and couldnt make and arrangements. The lady on the phone became very rude. This company calls sometimes 9 times a day. This cant be the way to take care of one credit card with finger hit. There were over 500.00 in fees. I dont know what else to do. I answer the call so they wont call all day but they do either way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in XX/XX/XXXX and payment was due on the account in XX/XX/XXXX. Payment was made on XX/XX/XXXX for XX/XX/XXXX 's payment due. Student loan company, XXXX, processed the payment and applied it to my account. A few weeks later I was noticed via Transunion credit monitoring that my account with XXXX had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. XXXX did not correct the issue. Furthermore, I have attempted to call XXXX on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. 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 explanation
Consumer complaint received 2021-01-19
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 do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. 

Thank you! 

BR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: SUNCOAST CREDIT UNION
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 information incorrect

Complaint:
In XX/XX/XXXX, i had two suncoast accounts, a checking and a a saving there went into collection and were charged off. XX/XX/XXXX, both accounts were paid in full. and no more issues with this account on my credit report since it was now reported paid charge off. fast forward to XXXX i noticed my XX/XX/XXXXreport had updated with a XXXX charge off reporting for the month of XX/XX/XXXX, Where this is incorrect reporting and this account shouldnt have been reporting anymore activity at all since it was paid in full and closed. both XX/XX/XXXX and suncoastcredit union appear to be blaming each other, while leaving my credit score suffering a XXXX point loss due to the errors on both paid in full charge offs from the saving and checking account in XXXX please help resolve.

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 2019-12-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On the date of XX/XX/XXXX I received a phone call to pay a bill that I did not owe. The representative kept trying to force me to pay a debt that I never owed the company in question. The next day XX/XX/XXXX the fourth they called my wife who was not on the lease and asked her to pay such bill. My wife told them she was not giving out card information and that we didnt owe and the employee proceeded to get snappy and yell and tell her she needs to pay the bill. I tried to speak to an employee who refused to listen to me and tell me that I didnt know what I was speaking of in relation to the fair credit act and said they would not cease communication. I asked to be on a do not call list and they refused and I also asked for my wife and they also refused. Highly unprofessional company. I stated I will be taking legal action which in return their reply was we dont care were a multi XXXX dollar company we dont care. The companies name is iqdata.

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 2022-04-06
Company: EQUIFAX, INC.
State: FL
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 have failed to receive notice of investigation from the following XXXX bureaus : XXXX, Equifax, and XXXX. The following credit report has stopped me from receiving funding and good character when applying for anything. Letters sent out on XX/XX/2022, since then i have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Paypal Holdings, Inc
State: WA
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:
On XX/XX/XXXX someone logged into my mothers PayPal account and sent {$250.00} to themselves. My mother is currently incarcerated Since XXXX/XXXX/2022. I have sent Proof to PayPal and the collection agency that she and still is incarcerated. They refuse to see this as fraud and continue to say she owes them the money. I have written authorization but from prison, but PayPal wants me to hire an attorney just to speak with them, they will only take verbal authorization even though she is unable and in a venerable situation that she can not defend herself. 
This person knows my mother very well and found her password, be careful with PayPal, PayPal has been a nightmare to speak with and to get any help possible. 
DO NOT USE PAYPAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In early XXXX of 2022 to current, I sent individual FCRA Section 604 letters out to dispute and request written evidence of specific Unauthorized FRAUDULENT/iNACCURATE Accounts on the Credit report to EQUIFAX. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Accounts in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX EQUIFAX. Below are the detailed Unauthorized FRAUDULENT/INACCURATE Accounts I asked to have investigated in early XXXX of 2022 to Current days date. Unauthorized FRAUDULENT Account XXXX. XXXX XXXX & XXXX XXXX XXXX. XXXX BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX Please verify these credit inquires that pulled/ viewed my credit without my permission. Within 5 business days in compliance with FCRA. XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has reported 3 items on my credit reports - all which are passed the statute of limitations in CA. I requested debt verification XX/XX/XXXX. Heard no response until XX/XX/XXXX but no debt verification on two of the three accounts. Credit bureaus have no removed these items from my credit reports. I have all supporting documentation, if needed. Please note that the credit bureaus have removed the ORIGINAL CREDITOR as it is old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a modification packet via email on XX/XX/XXXX and was advised I would receive a response with in 5 days to which Selene Finance has not responded. I am very concerned due to the Foreclosure sale date that is scheduled for XX/XX/XXXX. I also have an adult XXXX son who would truly be affected if we have to relocate. I would truly appreciate a response as soon as possible before I loose what I have worked hard for over the past 13 years. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony bank closed my account without proper justification and illegally. Synchrony did not advise me they were closing my 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 2017-06-07
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.

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 2017-06-07
Company: ACS Education Services
State: IL
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:
Due to unemployment, my account was placed into a 12 month forbearance. The forbearance period expired in  XXXX  and payment was due on the account in  XXXX   2017 . Payment was made on  XXXX   XXXX ,    2017  for  XXXX  's payment due. Student loan co mpany, ACS, processed the payment and applied it to my account. A few weeks later I was noticed via  XXXX  credit monitoring that my account with ACS had been reported as being 30 days delinquent. Payment was never made late and in light of this I filed a dispute with the credit union. ACS did not correct the issue. Furthermore, I have attempted to call ACS on several occasions and have been placed on hold for hours on end. I would like for this payment information to be corrected and for the 30 day pass due status to be removed from my credit reports. This has adversely affected my ability to qualify for a mortgage and I would hate for this dereliction to affect me further. Thank you.

Company response to consumer: Closed with explanation