BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-17
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The issue began when I was unable to log into my credit card account online.

The credit card was for a store that went out of business ( XXXX XXXX ). The site was repeatedly down so I was unable to make a Payment. I sent an email to the help desk more than once and did not receive a response back. I started receiving missed payments on my credit card but felt that XXXX XXXX should amend before I paid off my account because their website had been down.

Instead XXXX XXXX called my relative instead ( Mother ) who is not a co-signer or joint card holder. We do not even share the same household or phone number. I am unsure how she was even tracked down. The person who spoke with her shared confidential information and asked for my new cell phone number, although they have my current address on file. I was left a voicemail that I have saved, in which I was advised by XXXX XXXX to have an attorney return the call. I'm unsure as to why they are advising me to obtain legal counsel for a debt of {$200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: General Motors Financial Company, 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:
Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Climb Credit Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The company keeps saying that they emailing back and forward with me through an email which is no loger in use by me. They keep telling me to login in some sort of website to get information regarding some course or class and I told them that I have not access to anything. The issue has being under investigation for more than a year and they have done nothing about this matter. I have emails where they promise to get back with me and promise to send the promissory note and they are refusing to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2019-04-05
Company: NCC Business Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I held a Summer Lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. I resided at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received a statement dated XX/XX/XXXX regarding {$210.00} for move-out damage fees relating to painting a common area and trash removal for a unit that housed 4 other residents. 

I was not in the unit long enough nor used it fully to cause any damages. I had pictures to prove the unit was left in excellent condition. I spoke with XXXX XXXX at XXXX XXXX Leasing Office. ( The Leasing Office was very disorganized- I received several eviction notices and late payment notices  by mistake during my time at XXXX XXXX, despite my on-time payments. ) I was told that the file could no longer be accessed by the Leasing Office and I was referred to XXXX Account Receivables Department. I called the Account Receivables Department several times but no one answered or returned my calls. I spoke with a woman and man on different occasions, both said they would check the file and get back to me. He never did and I never received any further communications from XXXX XXXX or XXXX Account Receivables since XX/XX/XXXX. 

Here it is over 8 months later and I received a call from a collections agency regarding the statement. On XX/XX/XXXX I received a call from a debt collection agency and I again called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX who emailed XXXX XXXX on XX/XX/XXXX. I also emailed " XXXX '' on XX/XX/XXXX regarding the matter. XXXX XXXX responded on XX/XX/XXXX and he alleges that XXXX tried to call me and left voicemail and sent an email and then they sent the account to collections on XX/XX/XXXX. However, the collection agency said the account was sent to them on XX/XX/XXXX. I have phone records to show my phone calls to XXXX and XXXX XXXX. On XX/XX/XXXX I responded to XXXX and told him I do not have any record of any phone calls made from XXXX to me nor any emails. Additionally I asked XXXX that since he was now answering me would he like to address my dispute, and he said the account is no longer in his control and I must work with the debt collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please Delete hard Inquiries, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Please Delete hard Inquiries, 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 2020-08-27
Company: Experian Information Solutions Inc.
State: NV
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 filed multiple complaints against Experian for temporarily lifting my security freeze PIN code without actually asking for my PIN code. 

99 % of the agents fail to ask and then say they don't have to ask because he automated system verified me. 

And as for the ones who ask they say they asked because they had to in order to temporarily lift my security freeze. 
Experian agents are being allowed to do whatever they see fit and this negligence has caused for another agent to permanently lift my security freeze on the XXXX without my consent. 
I did not call on XX/XX/XXXX I called today so temporarily lift my security freeze for 24 hours and that's when an agent today XX/XX/2020 named XXXX informed me that my security frees was permanently lifted on the XXXX of XXXX. 

AS I STAYED AT MULTIPLE TIMES AND IT'S BEEN IGNORED EACH TIME. MY SOCIAL SECURITY MY IDENTITY ALL OF MY INFORMATION HAS BEEN FOUND ON THE DARK WEB DUE TO IDENTITY THEFT, AND IT'S ALSO DUE NEGLIGENCE FROM EXPERIAN TRANSUNION AND EQUIFAX FOR NOT ASKING FOR MY SECURITY FREEZE PIN CODE EACH TIME I CALL. 

I filed multiple complaints has never been resolved. 
Instead I get answers pertaining to something else other than my actual complaint. 

To lift my security freeze without asking for pin code means you could very well do it for just about anyone who has my social. 
This negligence has put me even more at risk because now my security freeze pain code is voided due to the fact that my security freeze has been permanently lifted. 

I contacted the fraud department and just as I expected THEY MAKE NO PLANS TO DO A THING! 

I TOLD THEM I WANT MY SECURITY FREEZE PUT BACK ON RIGHT NOW! 
HAVE ANOTHER SECURITY FREEZE PAIN CODE BEING MAILED TO ME BUT THAT'S NOT GOING TO STOP THE PROBLEM The problem is these agents supervisors managers are all failing to do their job and the negligence is putting my IDENTITY AT RISK, CREDIT AT RISK, INSECURITY AT RISK. 

THEY'RE NOT GOING TO ASK FOR MY SECURITY FREEZE PIN CODE IF I HAVE TO CALL 6 AND 7 TIMES TO GET ONE AGENT TO ACTUALLY ASK ME FOR MY SECURITY FREEZE PIN CODE I CAN STILL SAY 99 % OF THEM ARE NOT ASKING FOR MY CODE AND NOW THE SECURITY FREEZE HAS BEEN REMOVED THANKS TO THEM BEING NEGLIGENT! 

IT DOESN'T SEEM LIKE ANYTHING IS HAPPENING BY ME PUTTING THESE COMPLAINTS IN I DO MEAN NOTHING IS HAPPENING ... 

ALL I'M DOING IS WAITING 30 TO 45 DAYS FOR NOTHING!

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 2023-11-08
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint involves the primary collection agency and a more recent collection agency. To begin, the primary collection agency Harris & Harris LTD began contacting me about a valid medical debt on XX/XX/XXXX for {$550.00}. I contacted Harris & Harris LTD on XX/XX/XXXX and spoke to a XXXX XXXX. She would not give me her first name. I settled and paid {$330.00} as an agreed settlement amount between me and Harris & Harris. Confirmation # XXXX. I continued to receive debt collection calls and letters to my home which I have copies of. I contacted XXXX XXXX back on XX/XX/XXXX at XXXX per XXXX XXXX would close the case out per manager. 
XXXX Received another letter to my home from Harrris & Harris . Called XXXX XXXX back per XXXX XXXX admitted this letter should not have been sent out and that this is wrong. Spoke to manager XXXX XXXX and she reassured me that she would close this case out and no other correspondence would be sent. 
XXXX received debt collection call from XXXX XXXX XXXX ina temp to collect the debt in which I settled with Harris and Harris . 
I wish to file a complaint against this matter and to stop the harassment calls. Please contact me if there is any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2023 someone attempted to open a new account under my name with Bank of America. I received a declination notice from consumer warnings. I called both consumer warning and Bank of America who put a flag notifying 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 2020-10-02
Company: Compass Recovery Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called many members of my family and friends. Telling them that I am delinquent and my house is going to have a lien put on it. this went on for many months. Telling many people about this situation. After they contacted my father. I called her and she advised she was with legal, and she wants to stop a litigation. Which I have received no information on. She said they will put a lien on my home. This credit is not on my credit report. I was very scared, so I paid it. Yet now I know there was no debt, and very illegal for what they did. My credit report did not even change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to an American Express Hilton Honors credit card. I was denied for no reason and no explanation, which makes absolutely no sense. They request submit letters from my bank to prove who I am and my address, taking time out of my busy day. I have never in my life ever had to do this! I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. I submitted 2 bank letters going out of my way and losing days work over this and I have yet to hear back from them. I feel I'm treated unjust here. 

I am planning on traveling and I believed AMEX Hilton Honors is the right choice for myself especially as I will be staying at Hiltons XXXX. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration and they were no help they kept asking for documents, banking letters etc. I submitted and still no response. This is very unethical on their side. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, I started a mortgage refinance application with Better.com after finding a rate that they advertised on XXXX ( 1.75 % /15yfixed/0.499pts ). XXXX  allows you to enter some demographic information to filter available loan rates from various lenders, which I did. My loan to value ratio is <30 %, my debt to income is <15 %, and my credit score is XXXX. Better.com is listed as a featured lender ( advertiser ) and shows excellent rates for my personal information. Once I found rates I liked, I continued to the application process on Better.com through their portal. However, once the application had started, Better.com limited available loan terms to substantially higher rates and points. 

I directly emailed the agent at Better.com to complain, and they changed their portal rates to be closer to the advertised rates on XXXX. However the points ( 1.247pts ) on the rates were still substantially higher than what was advertised. The agent assured me that these were not final and that I should continue the application tasks. One of these was to order a {$550.00} appraisal of the property, which I did. 

XX/XX/XXXX, in an email, I again asked about the rates not matching the advertised rates. The Better.com agent ignored my question and asserted that they are " fully transparent '' and I was getting the best rate. With every email, I sent them the rates they are advertising on XXXX which are always lower. 

XX/XX/XXXX, the Better.com agent is pressuring me to finish the application and get it through underwriting and funding. I again email and ask why the rate is not what is still being advertised lower. In my email, I point out that Regulation Z 1026.24 explicitly states that advertised rates must be actually available ( including buydown points ). The Better.com agent again ignored my request for the lower available rate. 

XX/XX/XXXX, I sent the Better.com agent an email saying that I don't want to move forward unless I can get confirmation on the rate I had been asking for. I get a canned response saying I have the option to withdraw the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX. I disputed negative inaccurate items that are currently listed on my credit reports. On XXXX, I received a stall letter from XXXX, accusing me of using a credit repair organization. I'm an informed and educated consumer, and this blatant excuse provided by XXXX is a clear violation of the FCRA. They must investigate all disputes sent in.

Company response to consumer: Closed with explanation