BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-17
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations. 
I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX  ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX  credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: AR
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.XXXX  XXXX XXXX {$280.00} XXXX XXXX {$18000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX   XXXX {$6800.00} XXXX XXXX  XXXX {$270.00} XXXX  XXXX {$2400.00} XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$390.00}

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 2022-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted on many occasions to update inaccurate personal information that Experian is reporting to date but have no success. I do not receive mail, do business or reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. In fact, My only correct address is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX which is listed on my drivers license that I have sent into Experian via certified mail. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is inaccurate, and Experian is reporting inaccurate information. Inaccurate reporting violates the FCRA. 

The only address that should be listed is as follows : XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Proof of this address was enclosed in a certified letter mailed to Experian in order to verify my only address. 

I request that they delete the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted.

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 2023-07-27
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXXXXXX  the credit card company Genesis FS Card Services Inc charged my bank card {$690.00}, that charge was reversed by the bank. The company attempted to charge the same amount again on XX/XX/, that charge was not reversed. When contacted, they stated that I attempted to pay my bill in full. I informed them that I have not had access to my account for weeks, so I couldn't have made that payment. They stated that I can only regain access to my account when they receive a faxed copy of my state ID for account verification. I submitted a copy of my faxed ID on XX/XX/2023, gave then 5-7 business days to receive it and restore the access to my account. On XX/XX/XXXX they were contacted again because I still did not have access to my account. They stated that the ID was received, but I needed to send another copy because they one they received was too dark. I asked if I could email a copy because the process is taking too long, and I was informed that fax is the only way. I was also informed that even though I am locked out of my account, I could pay them over the phone for the full balance and all the late fees if I wanted to close the account. It is Currently XXXX XXXX XXXX, and I still do not have access to my account even though my ID has been faxed more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$1600.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-10-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or around XX/XX/2021, I recieved a call from my now ex-wife saying that she wanted to buy a car and all she needed was was my paystubs to get it. At first I was skeptical but she explained to me that everything would be alright. At first I didnt know too much about credit as noone had ever taught me anything about it. I had no idea my own ex would scam me into to sending info about work information. It wasnt until about XX/XX/XXXX when I checked my credit and noticed a missed payment from the company known as Credit Acceptance. I had them send me login information based off a past loan I did with them and it says I was on another loan as buyer of the car along with the co-buyer XXXX XXXX which is my ex 's mother and someone I am not affiliated in any kind of way with. The name of the car dealership New Jersey XXXX XXXX XXXX. I dont even drive the car and im being hel responsible for something I never was even present to sign for.

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 2020-01-13
Company: FMS Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A representative called and told me I have a XXXX balance outstanding ... I told them I sent them a dispute letter ... he told me it doesn't matter because I didn't pay it. Told me I would go to jail if I didn't pay ... I told him it's federal law to provide me with a validation letter ( which they have not ). He told me good luck in court ... I said I don't have any income and I owe more on my house than it's worth ... but I dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX : XXXX XXXX refinanced our loan at 8 % a variable interest rate. We signed loan documents ( under extreme pressure to keep our home ) on the day our contract would expire with the seller. We had the intention of refinancing just as soon as possible. The advice we were given was we MUST wait for 1 year to refinance. 

XX/XX/XXXX : Applied for a modification. Current on payments. Credit Score XXXX Missed XXXX payment in hopes the MODIFICATION would be approved. We called several times during the month to check on progress and to make sure SPS Servicing knew how committed we are to keeping this house. 

XXXX XXXX : Numerous calls were made to check on the status of our Modification request. When two payments were missed {$6000.00}, it was impossible to make up. SPS servicing representatives assured me ( documented calls ) everything would be fine, they would work with us, help us keep our home, not just come and take it. We received multiple letters in the mail, informing us there is nothing to do but wait. Meanwhile, our outstanding balance became over {$15000.00}. We now believe this process ( 6mths ) was due to how long it took for SPSXXXX XXXX to determine the property value. As soon as it was estimated we have over {$100000.00} in equity we received a DENIAL letter. 

XXXX XXXX We received a letter denying our MODIFICATION requests for the following reasons : Investor/Guarantor not participating, insufficient recent payments and inadequate funds. The two options we were offered ( 1 ) Short sale ( 2 ) Deed in lieu of foreclosure. They gave us 30 days to bring the account current. 

XXXX XXXX hired a law firm to help with the modification process. 

XXXX XXXX received a full refund of our retainer as the law firm was unable to get the company to budge. At the end of the month, We contacted the XXXX XXXX XXXX and applied for XXXX preservation benefit, past-due mortgage support ( XXXX ) with a representative ( XXXX XXXX XXXX ). 
I have been paying down my debt, my student loan ( {$80000.00} ) and have some cash saved to pay into the mortgage. Even if I pay in full, my credit is below XXXX and we have a history of 7 months of LATE mortgage payments. I do take responsibility for not making my payments as agreed, but we were in constant contact with SPS servicing who assured us they could help and would not take away our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
A formal complaint was submitted. Bank Of America has not responded. Here is the last email that I received from the CFPB. How is the bank allowed to blatantly ignore this verified information, and complaint?? 

We have alerted the company its final response is past due. 
We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. 

Weve alerted the company that its response to your complaint is now past due and that a response is still expected. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Atlanticus Services Corporation
State: NE
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 reached out to Fortiva ( XXXX XXXX XXXX, XXXX, GA Phone : XXXX ) in XXXX of XXXX because there was an inquiry on my credit report. The person I spoke to said there was an inquiry made, a card was offered but was not accepted. I explained I have never heard of them, was not interested in a credit card and this was fraudulent. The customer service rep said that everything was " deleted '' and that it should come off my credit report. I then on XX/XX/XXXX filed another dispute which came back as " inquiry is a factual record of file ''. 

On XX/XX/XXXX I called the fraud department at Fortiva and spoke to " XXXX '' who said the same thing, put me on hold and then came back and said we refuse to do anything about it. 

I want my report clean of this fraudulent company and ask that they be sanctioned for not following Fair Credit guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries that are associated with the unauthorized and fraudulent activity that was previously disputed are visible on my credit report and needs to be deleted. 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  Still visible on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, SC in XX/XX/XXXX. It was a brand new vehicle. To make a very long story short, I had to get my engine replaced in late XXXX due to the engine malfunctioning and it throwing a rod. It took 3 months to repair because the dealership was behind due to other people having engine malfunctions. It took weeks to get a rental which was hectic because me and my husband both worked and commuted with a XXXXyear old. After my husband drove my car off the lot, my car was sounding a little funny, almost like a sucking nose that we ended up having to take back to the dealership to have them tell me that I needed to pay a diagnostic charge even though my car was well under warranty limit. I ended up speaking with the manager and he had the technician look at it to only be told it was nothing engine related even though my engine light was on! A few months after that, my car started losing power and was inoperable. I had it towed to the same dealership only to be told that I needed another engine replacement due to low pressure in one cylinder! The dealership told me that I would be responsible to pay and the warranty would not cover repairs since they already took care of it the first time. The cost to repair would have been over what the value of my car is. Me and my husband had to leave my car at the dealership since it was not drive-able. I received a letter in XX/XX/XXXX stating that they plan on selling the vehicle and they ended up selling the vehicle at auction for {$1700.00} in XX/XX/XXXX. I recently just found out that my car is under recall for the same reasons it was in the shop the first 3 times since XX/XX/XXXX. Hyundai concludes that the XXXX XXXX  were having engine and mechanical issues. I have a recall number and have spoke to 3 different departments to see what I can do to resolve the balance I have left to pay on the car of {$8700.00}. I knew there must have been an issue since the last few times Ive went to the dealership there were a lot of vehicles needing engine replacements. I have documentation that states the dealership used faulty parts in the first engine repair And I believe it wasnt fixed correctly the first time. If it had been recognized sooner, I could still be driving my vehicle and have the issues fixed but because Hyundai waited to long to investigate the issues I have to suffer. Ive sent 2 letters to the CEO to have my case reviewed because it is not fair to me. This has been frustrating to deal with the past few years and its affecting me and my husbands credit and I need it resolved especially since this was not our faults and we were denied the use of the warranty we were paying for. These vehicles are not safe.

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 2020-01-13
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
My card keeps getting charged a XXXX but i haven't even been using it. The transaction keeps saying, debit : POS pin decline fee and i'm not sure why.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently contacted experian and alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!! XXXX nor XXXX didnt give me any problems when correcting my information! When experian is the one that breached my information to begin with!!!!

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 2023-07-27
Company: LD Holdings Group, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, XXXX XXXX XXXX from Rocket Mortgage called me about refinancing my home because I am actively requesting quotes in order to take out some equity from my home. We talked for about 20 minutes on speaker phone so I could continue to work. During that time, he aggressively asked questions and was hard to get off the phone with. He even tried to gas light me by calling me " moody '' because I wouldn't let him push me around.

When we finally got off the phone, I received a text from a credit monitoring company that someone had pulled a hard pull on my credit. I quickly found out that it was XXXX XXXX from Rocket Mortgage. At no time, did I authorize a hard pull. There would be no reason to because I had not made my decision on what mortgage company to use. 

I spoke with Rocket Mortgage 's company and found out how to ask for a Letter of Deletion. I hand wrote the letter as requested and emailed it to XXXX. I have not received notice that they have received it. 

I spoke with XXXX XXXX next and he told me he did receive authorization. I asked for and have received the audio. At no point did he ask or did I authorize the hard pull. After listening to the audio, I discovered that he casually remarked ( 8 minute mark ), " I'm going to run a formal credit report for ya for the approval. Are you a military veteran by chance? '' I responded, " No. '' There was no question or approval from me.

Again, he never asked me and I never authorized a hard pull on my credit report. We never discussed my credit ; he never asked if I knew my score. He did that in order to force me to use Rocket Mortgage because we all know that hard pulls stay on your record for a while and bring your score down. In order for me to go with someone else assuming that I take out equity at all ( which I haven't even decided ), another hard pull will have to happen and that will be XXXX. As I stated repeatedly, I am only seeking quotes. 

XXXX XXXX 's tactics are manipulative, unethical and unprofessional.

Company response to consumer: Closed with explanation