BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Dynamic Recovery Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm receiving texts every 1 to 4 days about a debt that was never sent by any of the origination companies, and that isn't showing on my credit report. Upon further investigation, this looks like a common problem with this company. This is one of the texts and it didn't make sense. Why would they return my account to anyone? That's not how debt collection has ever worked, in my experience. 

We have limited time to work with you before we must return your XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from Dynamic Recovery, a debt collector. Reply STOP to opt-out I haven't clicked on anything or replied to anything, but this number belongs to the company listed, I did check that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Resurgent Capital Services L.P.
State: SC
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:
my information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items removed and deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 
lvnv funding llc XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$350.00} American Express eGift from my company that is useless. What I thought was a welcome gift coming just in time for the holidays to help buy my daughter gifts quickly turned into a nightmare when I realized the card doesnt work anywhere. I tried XXXX, XXXX XXXX, even several gift card website in hopes of being apple to transfer the balance with no luck. Ive literally spent 3 hours trying to get the card work. I also called customer service with no help and the website does not include which I think it should a list of merchants that will accept the card. Im literally sitting on holiday gift money I cant use and it saddens and frustrates me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Bristlecone, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made attempts to have this issue resolved with XXXX XXXX regarding a collection account listed on my credit file. I sent a letter to the company dated XX/XX/18 regarding this fraudulent account and my ID theft report showing that I am a victim of identity theft. The account is not my account and I have never had any business with XXXX XXXX ; which is indicated as the original creditor on my credit file. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated and I would like a resolution regarding this situation.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-13
Company: General Motors Financial Company, Inc.
State: OH
Product: Credit reporting 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:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America took away the option to set a fixed amount other than the minimum payment due or the entire balance due on its autopay function. Although under info it says you can set a fixed amount of your choosing for monthly auto pay, when you go to the drop down menu for autopay options, only minimum monthly or entire balance appear. I called BoA 's customer service on XX/XX/23 to find out why fixed amount did not appear in the options for autopay in the drop down menu and she said " they took that option away, you can only set autopay to pay the minimum monthly payment or the full statement balance. '' I asked her to file a complaint about it and she said my complaint ID was " XXXX. '' I think it is unfair to remove the option to set a fixed monthly amount of your choosing for monthly autopay and meant to make the autopay function meaningless so people miss their payments and they can charge them more fees. I have a 0 % interest balance transfer and I want to set a fixed monthly payment to pay down the balance before interest charges kick in a again, but because I can't set a fixed amount on autopay, I am forced to login every month and make a payment.

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 2022-06-17
Company: EQUIFAX, INC.
State: AL
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 DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THESE ACCOUNT. IM SENDING MY IDENTIFICATION AND PROOF OF ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX I have spoken with loan mart many times. I got a {$3000.00} loan from them back in XXXX I paid {$480.00} a month for XXXX and they added more payments and now they are trying to say I owe them {$17000.00} when I paid it off after XXXX and every time I speak to them it just goes higher and the managers there are doing it on purpose just to screw me over more its weird and very unprofessional on their part. Seriously 26 months of payments for a {$3000.00} loan = {$12000.00} I paid for taking out a stupid {$3000.00} title loan and now they are asking and lying and ruining my credit by saying I owe them {$17000.00} this is not right and like I told them I paid it off months ago and they know I did If the credit breau agents did their jobs at XXXX they can clearly see all the payments I had made but instead I cant get a hold of them and they are no help. XXXX had removed it before and now they keep updating it so it can stay on my credit forever

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2018-05-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank closed my account after one check bounced and sent me a notice saying they had frozen funds because of some claim I supposedly filed that was fraudulent. I never filed any claims with them they must've gotten that information from XXXX XXXX who had just closed my account with them over debit card claims they had already investigated and found in my favor but decided to reverse. I think this is ridiculous and on top of that they debited the amount of the bounced check twice and hit me with a bunch of fees after allowing scheduled payments to still go through.

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 2023-06-06
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have no money and requested a fax number or email to submit my dispute timely. That not being provided with other factors I will not burden this complaint with and resulting in me holding a dispute letter and unable to financially take action that would assure receipt by Continental Crefit Control by XX/XX/2023 or they move forward against me. They have XXXX recordings or more where I state I dispute and am 100 % not financially responsible AND as a XXXX copay XXXX member in CA am not allowed to pay for those services. 

As stated, I am a XXXX XXXX recipient with a XXXX copay. I have no money and XXXX XXXX along with those from XXXX, XXXX and CA XXXX do not believe XXXX was ever billed, and a subset of those mentioned including XXXX, XXXX think the codes were potentially changed but I dont have anything else in that. I spoke to XXXX at CA XXXX he said this should be simple ..a XXXX conversation. 
Note : All services I receive are fully authorized before received and I double check 10 % of the time to ensure no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, a charge of {$34000.00} of a purchase I never made appeared on my statement ( enclosed ). When I noticed it, I disputed the charge to Citibank. On XX/XX/XXXX, I received a letter ( enclosed ) from Citibank indicating that my dispute was not accepted. According to them, The purchase was made IN Store with the EMV chip. 
I called the dispute center and explained to them that I never made the purchase, In fact, if you see the merchant ( Best Buy ) address and phone number, they do not exist. I went to the phisycal address that appears on the statement ; there is no Best Buy there. 
They told me to send a letter ( enclosed ) explaining this to their Dispute Center in SD. I sent the letter, they received it on XX/XX/XXXX. I have had no response from them and the chartge is still on me. 
How can I make a purchase with the EMV chip in a store that does not exist??

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 2019-11-19
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime during XXXX ( we think ) our mortgage was sold from JG Wentworth to Freedom Mortgage. We were notified of the sale during this time, including notification to pay Freedom during XXXX. We had no way of paying Freedom until XX/XX/XXXX when their introductory letter was received. The letter from Freedom was dated XX/XX/XXXX - this was for a payment that was due on XX/XX/XXXX! We paid immediately in order to avoid fee 's and a hit to the credit report. We have no received a letter saying our payment may be delinquent! This is outrageous. We should be given plenty of notice regarding with whom to make a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: PMT Solutions, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from PMT informing me of my past due bill from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. PMT wanted me to pay them a {$60.00} service charge on top of my bill. I went onto the XXXX XXXX XXXX website and paid the bill directly on XXXX for the amount of {$250.00} which has been approved and withdrawn from my bank account. PMT now calls me daily leaving robocall voicemails to call them back with no reasoning. I have checked my credit report bi monthly and not had any debt collections on my report. This is looking like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX 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 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 2022-01-31
Company: Bread Financial Holdings, Inc.
State: PA
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:
The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that XXXX rep failed to do her job and also told me since the debt was paid off the account would be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-04-16
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX # 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 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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, High balance is inaccurate, date reported is inaccurate, Last payment is inaccurate, and payment history is inaccurate. This is grounds for removal, they also violated my rights under 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 instructions. 

Here are my complaint id 's for previous complaints against the bureaus : 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 explanation
Consumer complaint received 2023-07-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
This report is a follow-up to a systemic breakdown amid the United States Department of Education 's former loan servicer, " Great Lakes '' for direct student loan consolidation. 
[ My Previous Complaint # : XXXX, XXXX, XXXX, XX/XX/2022, XX/XX/2022 ] Formerly, I had a complaint concerning roughly XXXX points being deducted from my credit report by XXXX and XXXX due to a U.S. Department of Education loan consolidation on XX/XX/2022. Recently, I discovered via reliable media sources that the disconnect was caused by a coding error through Great Lakes, which reported 5 million borrowers as incorrectly having a loan deferment status in lieu of a current payment status.

Therefore, the borrowers credit scores were lowered and negatively impacted. 
Great Lakes has stated via the media that they are working with the credit reporting agencies to rectify these inaccuracies. However, I tried calling their number listed and was unable to initiate contact with the company. 

In closing, I am requesting that Great Lakes contact XXXX and XXXX on my behalf to rectify the situation at hand. The deduction of XXXX points from my credit file has never occurred during my fiscal lifetime. I trust a speedy resolution will be reached with all borrowers -- who were impacted by the Great Lakes ' coding error as well. 

Thank you, kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: WELLS FARGO & COMPANY
State: KY
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:
We were scheduled to have a new HVAC system installed. The company, XXXX XXXX XXXX XXXX, sent me a link to apply for a Carrier credit account through Wells Fargo to finance the new HVAC system. 

On XX/XX/2020, I submitted the online application to Wells Fargo. I included my home phone number, which was the only number required for the application. 

On XX/XX/2020, Wells Fargo called and asked for a second phone number. When I asked why they needed it, they said that they were having trouble verifying the number I had included on my application. Yet, this home number was the one they were using to call and tell me this -- since it was the number I included on my application! I gave the person my cell phone number. 

On XX/XX/2020, I still had not gotten a response to my application from Wells Fargo. Since the HVAC installation was scheduled for the next day, I called the owner of XXXX XXXX XXXX XXXX and asked if he could check into it. He contacted Wells Fargo. Wells Fargo told him that my phone number was not verified and that I should contact XXXX Credit Bureau to address the problem. 

So, later on XX/XX/2020, I opened an account on XXXX XXXX   website, checked my credit file, and noticed that, in the section entitled " Telephone Numbers Reported, '' my home phone number, which I had used on the Wells Fargo application, was the first number listed!! 

So, a bit later on XX/XX/2020, I tried to contact Wells Fargo to let them know about my number. I could not get through to the right person. At XXXX point, while I was on hold, there was a message that said that they could not help me so I should " please hang up ''!!! 

So, also on XX/XX/2020, I again called the owner of XXXX XXXX XXXX XXXX, who again called Wells Fargo. After talking to them, he suggested that I call the one number back and continually press " 0. '' So, later on XX/XX/2020, I was finally able to reach a representative at Wells Fargo. I explained what they had said about my phone number not verifying, and explained that the number in fact WAS listed in my credit file. He put me on hold to talk to someone about my issue. When he returned, he said that my Wells Fargo application had been denied because they could not verify my phone number and for " credit reasons '' ( which he did not explain ). He said that there was nothing I could do. 

On XX/XX/2020, I received a letter from Wells Fargo that said : " We are unable to offer you a credit card account for the following reasons : Unable to authenticate identity of applicant. '' On this same day, I received copies of my credit report from the three main agencies. On each report, my home phone number, the one I had used on my Wells Fargo application, and the one at which Wells Fargo had called me, was listed.

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