BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: Synerprise Consulting Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was set up on a payment plan to have {$100.00} taken via ACH every two weeks. At the time that I made the payment arrangements I was told there were 5 debts in collections and the amount that I was paying was for the debt and collection fees. The debts that I agreed to pay were from XXXX, XXXX and XXXX. I did not authorize any other debt than these specific dates to be settled through the payment plan. I continued to pay the biweekly amount which was supposed to end on XX/XX/XXXX. Following XX/XX/XXXX, I noticed that there were additional payments withdrawn from my checking account past the agreed upon payment plan. A total of 3 extra payments were withdrawn. ( I filed a fraud charge with my bank and the 3 payments were reversed after investigation ). These debts despite being paid are still showing up on my XXXX  credit report as being unpaid. I contacted the company and confirmed that the payments had been applied. Why is this debt not being reported as paid? I also asked for invoices for the collections and have yet to receive anything. They have my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
LoanMart has been calling me back to back several times a day harassing and threatening me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have made a refund request for payments made after XX/XX/2020 as per the CARES ACT from MyFedLoan on XX/XX/XXXX via phone call. I also reached out via email on XX/XX/XXXX as confirmation. Additionally, I made several other phone calls on XX/XX/XXXX attempting to request the refund from MyFedLoan for all payments made to my account after XX/XX/2020 per the Cares Act. 

Each time I asked to receive a confirmation number and was given no confirmation or tracking number. On subsequent calls, after making a request that the customer service team said was submitted, the next representative told me that they could find no refund request made at any time. 

Going forward, I have been unable to reach out support team in a timely manner, several hours on hold each time, and have been hung up on several times when attempting to follow up on my refund. It is clear that they are attempting to delay refund requests to avoid paying back the loan payments made and reinstating my loan. 

Each time I was told that the refund request was submitted I was given an estimated wait time of almost 6 months that I would have to wait for the refund to be processed and that there would be no way to track the refund request during this time. 

I am simply trying to receive a refund for any and all payments made to my MyFedLoan ( Account # XXXX ) as per the CARES Act and to have a confirmation of this or to have them refunded in a timely manner and my loans reinstated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-01
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : 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 2017-10-01
Company: EQUIFAX, INC.
State: AZ
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:
My XXXX XXXX XXXX XXXX credit card was lost/stolen and some of the charges and transactions are fraudulent and unauthorized charges/transactions on my XXXX XXXX XXXX XXXX credit card account : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My TransUnion credit report indicates a hard inquiry for XXXX on XXXX/XXXX/15. I did not apply to XXXX for credit. How can I resolve this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not XXXX and Discover Bank. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. Discover is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Please let me know if you need any additional information on this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-09
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All XXXX credit agencies have incorrect information regarding my current address. They also do not have an accurate history of my employment. XXXX has not been updated since XX/XX/XXXX. It is difficult to say how these inaccuracies are influencing my credit score. While I have a rating of XXXX on XXXX, I have XXXX on TransUnion and XXXX on XXXX. ( In XX/XX/XXXX it was between XXXX and XXXX. XXXX is the most accurate. ) The gap is significant and without question will affect my ability to apply for loans and credit cards, as well as seek employment. I only have XXXX account with a potentially negative report, due to a late payment in XXXX XXXX. Other than that, there is nothing that should negatively effect and cause a significant drop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We paid all the dues regarding the rent for our apartment before moving to a different condo. We got the receipt as full and final settlement from the estate manager of the apartment complex. IQ data international contacted us as the collection agency of the apartment complex and we have explained and provided the documents. Still they have reported this as debt to credit agencies resulting in impacting my credit report and score negatively. Despite reporting the credit agency and disputed the debt, it is still showing up. IQ data is not taking any action to withdraw the debt.

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 non-monetary relief
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: IL
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 rewards from credit card

Complaint:
On XX/XX/2022, I had an abysmal experience trying to book travel via Chase XXXX Rewards. The website advertised an air itinerary for {$640.00} round trip per person. I was unable to book online, so I called for assistance. After being on the phone for 30 minutes, the agent hung up on me. I called back, and after spending another 45 minutes on the phone with a second agent, I was told that they could not sell the ticket for that fare and that I would need to pay an additional {$150.00} per person. I would like someone to contact me regarding this and to let me know how I can book the tickets at the original fare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in regard to an XXXX  sale of {$1600.00} involving two large speakers. Payment was made in full on XX/XX/2019 with Buyer arranging payment through XXXX. XXXX released funds to me after the mandatory hold on XX/XX/2019. Two months later, on or about XX/XX/2019, XXXX notified me of a dispute with Buyer and asked for documentation to assist in resolving the Buyer 's issue ; documentation was sent immediately. On XX/XX/2019 XXXX notified me of decision by Buyers bank to reverse the purchase charge, demanding I add funds to my XXXX account to resolve the negative balance. 

Buyer refuses to return merchandise claiming speakers were not as advertised. They were. Photos taken before the sale ( at Buyer 's request ) and after were sent to Buyer XXXX and later, XXXX ). Buyer first filed a claim with XXXX claiming speakers were damaged in shipment ; the claim was denied ; the Buyer then filed a claim with XXXX, which was denied ( Buyer refused to return speakers ).  Subsequently Buyer contacted his bank/credit card company and was ultimately successful by making a false claim as to their condition XXXX will not release any transaction details ( Buyer 's bank or credit card company, correspondence between XXXX and Buyer 's bank or credit card company ). XXXX 's Resolution Dispute Department in woefully inadequate, unavailable and not interested in customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This Phone number XXXX is harassing me every morning! Leaves no call back info. Does not identify themselves. This # calls every morning between XXXX -XXXX wakes me up!! rings XXXX times then hangs up. does not leave a message. I checked the web. Says from XXXX XXXX. Then another site says a cell # from XXXX. I called the # back, they do not give any information To identify themselves. the recording says to hold for aprox XXXX minute they are attempting to collect a debt all conversations will be recorded. i will not call this # again its an uncomfortable feeling to be put on hold with a unidentified harassing caller. If i owe money to anyone i need a written statement with proof of debt by mail. No one should be crazy enough to pay anything by phone. So the harassing wakeup calls early in the morning are indeed harassment. I logged all the calls so XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @ XXXX ... Help please.

Company response to consumer: Closed
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MI
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:
I was removed as an Authorized user for a XXXX account in XXXX, XXXX. However XXXX and Equifax credit bureaus are still reporting this account as active. 
I am requesting XXXX provide me the XX/XX/XXXX AUD they submitted to XXXX, Equifax, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using e-OSCAR to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim XXXX never submitted an AUD updating the information concerning this discover account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, TransUnion will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion is no longer reporting a XXXX credit card that was once reporting on my credit report. As per TransUnion, I filed a dispute asking to update my new credit card balance because the amount being reporting was incorrect. TransUnion stated that XXXX had approximately 30 days to reply back to them to verify this information. According to TransUnion they did not receive this information and deleted the XXXX credit card account which was reporting positively prior to deletion. I contacted XXXX and filled out a XXXX form to have the creditor submit verification to TransUnion. TransUnion received the documentation from XXXX and stated that it could not accept a hard-copy confirming the accounts information and specified that a XXXX representative would have to contact their marketing department via phone or the company must re-transmit the information electronically. As per XXXX, the credit card account is still being reported electronically to date but the account is not reporting on TransUnion report. Despite my efforts to contact TransUnion directly, in addition to providing documentation they still are not reporting this information which is severely impacting my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Pacific Union Financial, LLC
State: NH
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my XXXX form from Pacific Union Financial that shows the taxes and interest paid for the year 2015. XXXX sold my mortgage to Pacific Union Financial in XXXX 2015. 
From XX/XX/XXXX to XXXX 2015 my taxes paid were {$6100.00} ; however, on the XXXX that Pacific Union sent me the XXXX showed {$2300.00} as the amount of annual taxes paid for the year. Pacific Union made a large error on my form XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received legal service from the court regarding an unrecognized debt. The service and court documents stated an address that I have never resided at. In addition the addresses on the stacks of credit card statements provided with the court documents. When I received these documents I sent a written responses explained that I had experienced identity theft during the very out dated statements. In addition to the many errors listed, these statements have exceeded the Arizona 3 year statute of limitations. I have repeatedly asked them to cease and desist any communication. The law firm refuses to stop! The said firm : Gurstel Law firm is Located : XXXX XXXX XXXX XXXX XXXX, Az XXXX The Gurstel law firm continues to send me huge stacks of duplicate very old credit card statements from several credit card companies dated from XXXX. They simply send a new cover letter to accompany the same paperwork over and over. I have sent XXXX responses and I believe this to be intimidating and bullying tactics. I have informed them that I would be reporting them due to this non stop harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made my payments to Capital One up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.

Company response to consumer: Closed with explanation