BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile. 

I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}. 

I will attach the screen shots of the emails of the conversations. 

I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights. 

XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern. 

Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys. 

I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Aspire credit card has not allow me to file my dispute due to my credit card being stolen. I submitting a verbal and written notification of dispute under regulation E. Aspire has not agreed to their terms and agreements under regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I disputed two charges with XXXX after XXXX refused to help. 
Capital one asked me for proof of return, so I sent them the XXXX tracking numbers that XXXX provided to me which shows both were received by XXXX. 

That should be ample proof, yet Capital one, without even reaching out to me to ask for more detail, closed the disputes stating they didn't have the information I asked for. 

I wasted 40 minutes of my time today talking to an incompetent Account manager who didn't seem to understand what I was saying and not once did she say I needed to send screen shots of the XXXX site showing it was delivered. Why can't Capital one plug the tracking number into the XXXX tracking site and see that themselves? 
Takes seconds. 

I sent the screen shots today but have no faith after this they will handle accordingly an dthis is a prepaid account so that's my money. Not happy with how they have handled this nor their lack of decent service agents I will attach documents for more information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX I sent an written letter to Equifax stating I never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft under 15 U.S. Code 1681B ( a ) & ( 2 ). As of XX/XX/XXXX I have not gotten a response back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and Equifax  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to XXXX XXXX XXXX and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. XXXX XXXX XXXX have failed to rectify this matter. Numerous phone calls have been placed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this message is for XXXX and XXXX. this is nothing against the two companies. i had a couple of debts with USAA in the past. they turned the debt over to a collections agency i am assuming in XXXX. i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX  and another company calling from XXXX. but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to USAA turned over to them on the XXXX then she said the XXXX XXXX XXXX so which is it? i have no clue. i think USAA is trying to get money from me by any means necessary. i reported the XXXX XXXX already. now im reporting USAA again for the millioneth time about this stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Allied Recovery Solutions, 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:
they keep collecting on a debt that is not mind i never rented a car from the dealer is all fruad i wrote to them told them i disputed this debt and there still refusing to send me proof they claim that they have an invoice which is not mind i never signed anyting with these people

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage that I had with Select Portfolio Servicing in XX/XX/2020 with another lender. The account was paid off in full on XX/XX/2020. Select Portfolio Servicing owes me a check for the remainder of my escrow account in the amount of {$1700.00} which as of XX/XX/2020 I have not received. 
I have called them three times ; once in XXXX and again on XX/XX/XXXX. I was told on both occasions that the check had been mailed. 
The last date they said the check was mailed was XX/XX/2020. It is now XX/XX/XXXX and I have not received my check. 
I called XX/XX/XXXX and have not received a satisfactory response. 
I would like to file a formal complaint against Select Portfolio Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: WELLS FARGO & COMPANY
State: PA
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, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Send debt validation letter and company has yet to respond stating this ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA [ XXXX ] XX/XX/2022 CAPITAL ONE BANK XXXX XXXX  XXXX XXXX, XXXX, VA XXXX To who it may concern, Be advised that this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 Sec. 809 ( b ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character XXXX : XXXX XXXX Agent/Beneficiary ] Done in good faith Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine -- letters have been sent certified mail and return receipts have been received by me. 

-- These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed : -- 1. ) XXXX XX/XX/2022

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 2022-04-29
Company: Central Portfolio Control Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX is a collection company that contacted me on my birthday by gaining access to my email and sending a text to me to wish a " Happy Birthday '' message much like a spammer does. In doing so I do not have the ability to opt out of their harassing messages which I believe I am entitled under law. This is a new tactic of theirs. I am enlisting your help to force XXXX to cease and desist these actions and to fine them to the full extent possible. If they are doing this to me they are doing this to countless thousands of others. Thank you for your kind help with this matter. 

This debt was paid off directly to the original creditor quite some time ago. This collection agency needs to fined for its behavior and for its poor record keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
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:
After reviewing my Equifax consumer report, I seen XXXX unauthorized hard inquiry from XXXX XXXX on XX/XX/21. Never benefited from this transaction, never gave XXXX XXXX permission to check my consumer report on that date nor gave them permission to add information on my consumer report, Equifax never notified me that they received a request from XXXX to inquirer my consumer report. 

This is infact identity theft. Checking adding information about me without my written permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am trying to set up my PIN for my Business Debit card and the customer service department keeps giving the run around on who should help me. They gave me 4 different phone # to setup PIN ( XXXX, XXXX, XXXX, and XXXX ). Every time I called each number and i would put the correct info in then it would say it is wrong and send me to customer service. At the end of the day after trying multiple times the last customer service lady told me when I asked to speak to her manager she said it will take 20min before I can speak to a manager. After giving her an opportunity to help me she pretended to not hear me and hung up the phone. VERY BAD CUSTOMER SERVICE!!! They can't do a simple thing like trying to get my PIN setup. I don't want to do business with them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. 

TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. 
I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. 
This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? 

I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. 

I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. 

NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. 

THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.

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 explanation
Consumer complaint received 2021-03-20
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
With bank statements to verify the payments, Ive been paying TitleMax a total of {$210.00} since XX/XX/XXXX. From the beginning, the title loan amount was {$1900.00}. My car involved is a measly XXXX XXXX XXXX. I faithfully paid TitleMax {$210.00} every single month until XX/XX/XXXX. I simply did not have enough money to pay them. Although I faithfully paid them every single month, the bill has not budged. Because of that one missed XXXX payment, today, the bill is registering over {$2000.00} & is steady going up. By XX/XX/XXXX, the amount owed will be nearly {$3000.00}. Regardless of the details in the contract, I thought that at some point, the top TitleMax officials would have mercy on their customers & would stop charging high interest on loans during a pandemic when they know that many people are suffering financially. After they called me up at the end of XXXX & threatened to take my car, I managed to scrape up the {$210.00} payment for XXXX. 
After making that XXXX payment, we had no food & our utilities almost got turned off, but fortunately, without making a payment, the companies kindly left the utilities on. In XXXX & XXXX, I was able to make only one {$210.00} payment each month ( a total of {$430.00} ). TitleMax is now expecting another whopping double payment of about {$430.00}! I dont have this kind of money to give TitleMax whereas my family is literally STARVING & the TitleMax bill is going NOWHWERE BUT UP! Theres a {$7.00} daily charge for each day a payment is late. 
On XX/XX/XXXX, before I could think about receiving my stimulus payment, TitleMax called me up & demanded a double payment & threatened to take my car although I paid them a {$210.00} payment in both XXXX & XXXX. At this point, if you figure it up, from XX/XX/XXXX, I have nearly doubled the repayment of that title loan. By right, I dont actually owe them anything & why should I give them my car after missing a single payment? 
I feel that at some point for customers who have been paying interest on a TitleMax loan for a long time & are unable to pay it out in a single lump sum, top officials at TitleMax should stop collecting the interest & forgive the loan, particularly when a customer has already double paid back the loan! 
Due to XXXX XXXX, Im on a fixed Social Security XXXX income. The TitleMax bill is similar to having a hole in my pocket. Im throwing away {$210.00} per month & the bill is increasing. I feel VERY helpless because I dont know how to stop this without giving them my car. I need my car for doctor visits, grocery shopping, & to commute my brother to dialysis. What should I do to get away from TitleMax without having to give them my car & to finally stop paying them? HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This lady came on the XXXX " XXXX XXXX '' to appraise my house ( Please see her business card ), her aim was to submit it to my Mortgage company " Mr. Cooper '' and remove the PMI. 

My house value has increased substantially and I also did an addition to the house which was signed off on XX/XX/2021. 

I have asked Mr. Cooper multiple times to remove the PMI, still the PMI is there on my Mortgage statement. 

Its been 10 days since that appraiser came to my house, and still the PMI is not removed.

When I have more than 20 % stake in my property, why am I being charged a PMI, I don't understand. 

I have made hundreds of calls and emails but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/XXXX  I paid my credit card balance in full via XXXX XXXX  on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX  I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. 

thank you XXXX

Company response to consumer: Closed with explanation