BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Performant Financial Corporation
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I was called by XXXX XXXX and told me that he called my job trying to collect on Student Loan debt and that 's why he called my job that I just started less than two months ago. I told him he should n't have called my job because we are n't allowed to get personal calls at my job unless it 's an emergency. He said he was allowed to call my job and I told him it was against the law to call anyone 's job about a debt and that he could have gotten me fired from my job. He was rude and did n't let me talk and would not allow me to deferr my student loans because I had just started working there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-29
Company: FORD MOTOR CREDIT CO.
State: UT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
OnXX/XX/XXXX I did an early buyout on my XX/XX/XXXX F-150. On XXXX XXXX, Ford still took the payment out of my account but this was normal since I was so close to the billing date. I contacted Ford Credit on or around XX/XX/XXXX and was told that they would send me a check for the XXXX dollars. On or aroundXX/XX/XXXX, I still had not received payment so I contacted Ford Credit again. They claimed that the dealership had not made the last two payments so I still had one more payment owing. I contacted the dealership and they were able to show that they had indeed paid the last two payments. The dealership contacted Ford Credit and then called me back and said I should expect a check. OnXX/XX/XXXX I called and was told that I would be receiving a check for XXXX dollars due to excess wear and tear ... .I bought the vehicle outright and the dealership had sent the excess wear and tear waiver at the time I bought it but Ford Credit wo n't actually talk to the dealership and wants me to do all the work even though it is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt and the collection agency has not been able to provide an original contract or documentation this debt is mine.

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 2022-05-04
Company: SYNCHRONY FINANCIAL
State: FL
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:
The hard inquiry is fraudulent account never remember signing up for a Amazon credit card Verizon account was fraudulent account my twin brother use my I.D wouldn't be surprised if he was the one applied for the Amazon credit card I have no knowledge of these accounts I need them 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 2022-01-11
Company: TD BANK US HOLDING COMPANY
State: NY
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:
Someone illegally deposited checks into my TD account and my account was flagged and then closed. Now I am unable to open an account with this bank or any other bank for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX I submitted a dispute with Transunion about an account with XXXX XXXX XXXX. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!

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 2022-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery is trying to collect a debt with innacurate information. the address for the XXXX XXXX they want is XXXX XXXX. I do not live there and never have. I reside at XXXX please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: NY
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 co-signed an Auto Loan with XXXX XXXX for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted XXXX XXXX to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. XXXX XXXX failed to work with me, charged me additional fees and made negative marks on my credit report. 

Under the CARES Act, XXXX XXXX may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: CT
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:
Im not sure if I am complaining to the appropriate entity. However I am getting nowhere with the XXXX ( XXXX XXXX ) nor Experian. I have a credit card debt with XXXX XXXX that I do not dispute, it has been on my credit report since XXXX, On XXXX XXXX I called and set up a payment arrangement with the creditor, and my first payment is due on XX/XX/XXXX. I have been monitoring my credit very closely for the past year in hopes to be able to purchase a home. All of a sudden today XXXX XXXX I get a message from experian saying that the creditor has flagged my account and therefore my XXXX XXXX has gone down XXXX points. The creditor says that have changed nothing in the way they reported this month than they have done in the past and dont understand why my score would have been affected as nothing has changed. I have tried to contact Experian but get caught in the loop of voice prompts. I am not sure f this is something that your department can help with or possible point me in the direction of the people I need to speak wih. 

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 2017-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified

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 2022-05-04
Company: EQUIFAX, INC.
State: LA
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:
I have contacted them about this issue but yet late payments are still on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have contacted them about this issue but yet late payments are still on 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 2022-05-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
US BANK is involved in knowingly creating accounts under customers info that were unknowing about these accounts. us bank was recently involved in a complaint for these facts. US bank started a new process called auto escheatment which includes unclaimed assets and liquidated assets that have fully matured. XXXX XXXX was the head of the auto escheatment process and acting on inside information on an auto escheatment sent a XXXX worker to befriend me get my information and submit a claim to the south carolina unclaimed property treasury department and stole this escheatment. She then added the account to my fidelity investments account brokered by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX then emptied the account through XXXX ( c ) non profit donations to non profits set up by the criminals to avoid suspicion. US BANK Knew my location and instead escheated this to the state using inside information. A employee is impersonating me in a position of trust XXXX XXXX XXXX who recently ran for state legilature and won in XX/XX/XXXX, elections in AZ this is the same guy working for us bank cyber security team probably to cover up this massive fraud which the CFPB just began to scratch the surface into the real reason these accounts were created. i have an account that i opened and subsequently closed after opening i assume because of the flagged fraud.

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
Problem 1 : XXXX  XX/XX/2020 is reporting 30 days late on my credit report. I have tried to resolve this many of times. I paid this account on time. Your reporting system is reporting inaccurate information. By your system not working properly it has put a burden on my character to the lenders. It shows that I am unable to make payments on time which will make lenders deny me for a loan. Also, this is not the first time this has happened to me. Under federal law this is a violation. I tried numerous of times to fix this situation but, when I do I get treated unfairly and rude. 
I made the payment XX/XX/2020 I have bank statements for accuracy in my dispute. 
The outcome that I am demanding is to update my account with removing the 30 day late payment. 

My payment due date is on the XXXX I was 28 days late not 30 days! 

I been dealing with this for over 3 years I just want this to accurately to report! That is all I been treated so unfairly. This is not my first complaint about this please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX debt to collections when it was paid in full by my insurance company for a short XXXX XXXX on XX/XX/XXXX for an amount of {$1700.00}. I have proof from my insurance company that they paid it in full and it shows simply in a breakdown that it was completely covered. 

XXXX XXXX XXXX XXXX false delinquent debt to First Financial Resources , Inc based out of XXXX, MA on XX/XX/XXXX. They contacted me several times and I finally got them to send me an email to send them proof that this debt was paid in full by my insurance back in XXXX of XXXX. They claimed that the insurance payment was invalid as " XXXX XXXX XXXX not have any contract with my insurance company at the time. '' They then reported my debt as " collections charged off '' on my credit even though they had no legal standing to do so. A collections charged off is a major negative remark and I want it removed and my credit restored properly. 

This charge off occurred on XX/XX/XXXX, 3 months after I provided them with proof of payment in full and on time from my insurance provider.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: TX
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:
Ive contacted Experian on numerous occasions about the accounts theyre reporting on my credit file. They seem to fell to supply me with the needed verification of theyre investigation and reinvestigation due to the fact of them not accurately and throughly conducting the proper investigation and reinvestigation. 

Outside of you guys forwarding my dispute letter to creditors how are you investigating the accuracy of the accounts in question? 

I last sent in dispute about accuracy of accounts XX/XX/2022 I have yet to get any response. 

It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this last attempt to have these errors corrected on my consumer report. 15 USC 168li ( A.5 ) says that after the reinvestigation all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated.

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 2022-06-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
N accordance with the fair credit reporting act XXXX account * has violated my rights. 
*-accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 2017-06-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I submitted a balance transfer request from my cc account with XXXX XXXX to my Chase Freedom cc in early XXXX. The transfer was processed on XX/XX/XXXX but the transfer amount was sent to the wrong account and My XXXX Card was never credited. I called on XX/XX/XXXX to notify Chase that I had not received the credit to my other credit card and was now carrying two balances. They informed me it could take up to 30 days to rectify but likely less than that. I have contacted Chase twice since the initial contact. Each time I am told they can not help me and someone is working on it. However, 30 days has passed and I have yet to receive a resolution and am now paying for twice the cc balance due to their unwillingness to cancel the transfer or rectify the situation. I am currently looking into what legal recourse I can pursue in order to reclaim the {$8400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently reviewed my credit report and seen an alleged account from this company reporting and causing a negative effect to my credit report. I send the company a certified letter with return receipt requesting validation. I do n't recall signing any contract with this company.

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 2021-11-10
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please verify and account that account belongs to me since my name and adress are wrong .Per credit fair report act any inaccuracies such as : incorrect name and adress should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: MO
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 disputed this account 2 times since XXXX and they keep telling me that it is verified but not showing me what they have on file to verify this when I can't even get the creditor to verify this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: TN
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 have mailed all three credit bureaus about this account reporting incomplete and inaccurate information on my credit report. Dates ( XXXX-18, and XXXX-18 ) and its still getting verified without any legitimate proof of verification. I would like this account removed it is hurting my credit, Im not sure how this account remains and it is not mines, I have provided my driver license and mail stating my address and name. Account number XXXX, also I have received repsonses saying verified or updated, meaning this account was being reported inaccurate.

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