BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company name is AMSHER COLLECTION SERVICES and the account was opened on XX/XX/2021. The reported debt is {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize any of these inquiries it was application submitted without my knowledge : XXXXiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-27
Company: JPMORGAN CHASE & CO.
State: FL
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:
About 30 days ago I applied for the Chase Bank XXXX XXXX card. I was not immediately approved but within 7 days I was notified of the approval and a XXXX credit limit and I was satisfied with this outcome. About 1 week later I received a notification from XXXX XXXX that the available credit on one of my oldest cards the Chase freedom had been lowered from XXXX to XXXX. I proceeded to call Chase bank and ask why I wasn't asked or notified of this change by them. Both a CSR and supervisor told me this is a new practice at their financial institution. They refused to do anything but move the line of credit around or told me I could apply for a credit line increase. But they have already just pulled my credit and no where in there terms and conditions says they can pull credit from another card. So in short they cost me a credit inquiry and a new card with a hefty annual fee and didn't supply any additional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DataMax Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX As Follow Below : has violated my rights. 
15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 602 A Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: AES/PHEAA
State: PA
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:
In XXXX XXXX required that I direct consolidate my loans in order to qualify for PSLF. I had previously direct consolidated my loans, but did not have any documentation. I recently found an email dated from XXXX informing me of my submitted consolidation application. As of right now XXXX will only review payments made since my XXXX reapplication. However, I have been paying my loans since XXXX and would like all my payments reviewed to determine whether they qualify for PSLF. I'm attaching the email that was sent to me in XXXX in response to my direct consolidation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an Ashley furniture account for XXXX XXXX  with synchrony bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at synchrony bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- 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 2022-02-27
Company: NAVY FEDERAL CREDIT UNION
State: TN
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:
Requesting remedy for the following violations from NFCU. Violation of 15US code 1642, 15 U.S code 1681m, and 12 cfr 1002. Have mailed certified letter of notification to Navy Federal with tracking number XXXX. Letter has been received but have not received a reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion have been reporting false accounts on my report, therefore tarnishing my reputation. All of the alleged debts are obligated to be paid by the United States pursuant to 18 usc 8. These accounts are not mine to pay, therefore need to be removed immediately.

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX 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 2017-02-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
I sent a letter to each of the three credit bureaus ( Experian, XXXX, and XXXX  ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.

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 2022-07-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My former employer was contacted by MCM collections in regards to a past debt which I attempted to resolved with a prior debt company and I wasn't successful. However, the debt was sold to MCM collections and they contacted my previous employer on XX/XX/2022, about my whereabouts to attempt to collect on a debt that is past the statue of limitations. I advised them that I don't want any contact and they violated my rights for no employer contact. This is a form of harassment and poor debt practices that caused me dispersity and anguish of embarrassment with my former employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: Real Time Group, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
5 years ago I took out a personal loan and my vehicle was used as collateral for the loan. A Lien was placed on the title. I paid off the loan XX/XX/2019 and the Real Time Solutions still has not released the lien on my vehicle. I have contacted them several times and get the run around, with the last contact being today. I am trying to get them to release the lien they placed and they avoid doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Capitaol One bank USA shows a 30 day late in XXXX 2014. I show two payments made in XXXX 2014. One on XXXX XXXX, and the other on XXXX 2014. Please advise. Thank you in advance for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Information belongs to someone else

Complaint:
please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/nelnet  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  is only company reporting this error

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Ive been trying to build my credit for 7 months now. I 'm now XXXX XXXX XXXX and still a little naive to this kind of stuff. But, a couple of days ago I decided to check my credit score and saw that it said under " public records '' there was a balance of {$12000.00}. Now I 'm not sure if it means I have to pay that. But what I do know is that there 's a year that number corresponds with. The year is 2010, in 2010 I was XXXX XXXX XXXX. I think there 's a mistake because there 's no way that has anything to do with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax on XXXX/XXXX/2016 provided a FICO score of XXXX to XXXX. The reason codes for the score were high balances and ratio of balances to credit limits. My balances at the time of the report were less than 5 % of my credit limit, I pay all my revolving off in full each month and have XXXX delinquencies. On XXXX/XXXX/2016 I pulled my credit report and paid {$7.00} for my credit score. Equifax reported a score of XXXX. There were XXXX discrepancies on my report, both addresses at which I never resided which were promptly removed. I have asked Equifax to explain the wide difference and they just say it can happen. How they will not explain. I want a factual discussion of why the XXXX scores differ line by line and why they say in their reason codes that I have high balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I called the phone number to activate the card. It prompted me to enter a pin. I entered the pin. When it prompted me to confirm the pin, the line went quiet. The message said it was unable to activate the card. I called back and had the exact same experience. My phone had full bars for reception. Citi is making it very hard or impossible to activate their card. The activation phone number is XXXX. This is a prepaid debit card issued by Citi on behalf of 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
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: Their investigation did not fix an error on your report

Complaint:
I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
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: Information belongs to someone else

Complaint:
please remove fraudulent accounts department of education/ XXXX opened XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX transunion is only company with this error ill submit XXXX  screenshot showing nothing from dept of education

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 2020-03-04
Company: Ocwen Financial Corporation
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold from ocwen to phh one year ago at this time my mortgage was 1.5 months behind but I had a payment agreement. Due to graduating nurse practitioner school and a job transfer. The mortgage sold they were unable to locate it for 2 months. I paid 2 payments and it was applied to my escrow then called back to make third and was told they would only accept 3 months In full .. forced me to do a modification. Completed trial payments had to call ever week to get status now a year later they have my payments in holding my act reflects nothing paid my credit is shot and it takes four weeks calling every three days to be told they will put another task for someone to call me back. In turn no calls me calling numerous times to be told now they denied my forms cause they are not notarized. Confirmed my forms are In deed notarized they put in another task four more tasks later now they say my forms are not accepted cause notary used my middle initial. I just get run around and want to pay and fix this but cant insure my house is safe or where my money is going. Never mind get a straight answer from anyone on there staff after hours of hold times

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I made XXXX payments on my account in XXXX month XXXX separate dates I go in to the store on Saturday XXXX located in XXXX I proceed to make a purchase and its declined. They declined my purchase because of non payment I made XXXX payments in XXXX month they failed to apply my XXXX payment to the month of XXXX and they charge me a late fee. I was stuck in the store for over XXXX hours and I had a wedding to attend that I missed becomes of this error that was made on account of Macy 's. I should have never been charged a fee then I was forced to make a XXXX payment just for the charge to go thru so in XXXX one month I made XXXX payments on an account that has never been late. I never use the card. I missed my brother wedding because customer service and the credit department where in capable of removing the block off my card. I was penalized for making an extra payment on my account keeping my account in good standing and paying on it early as a result of doing all that I was charged a late fee, my account was placed in internal collections, a block was placed on there as well as I was forced to make a XXXX payment in store so now my personal bank account was negative as well and I missed my brothers wedding because I was in Macy 's over XXXX hours trying to purchase a XXXX for the wedding. The service rep at the counter can vouch for the entire incident I was using the store phone as well as my phone and my wife phone to try to get thru to someone to unblock the card. Macy 's is horrible with posting payments correctly horrible customer service rude and condescending

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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