BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Genesis Lending
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was informed by   XXXX   college that they would be able to secure a job for me after completing their program despite that fact that I had  XXXX . I informed them prior to enrolling, in   XXXX   XXXX  < that I had a   XXXX   and they informed me that would not be an issue. Since completion of the program in   XXXX   XXXX  , I have not been able to secure a job. The original loan provider was Genesis. They were closed down by the government due to misrepresentation. The loan was then transferred to   XXXX   XXXX   XXXX  . I was informed that students who attended between  XXXX  and your loan was fraudulently provided, they were to be forgiven. This has not taken place. The collections department has called repeatedly for payment. I have been paying on the loan since  XXXX . Since the government closed Genesis due to fraud,   XXXX   XXXX   XXXX   should not continue collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting act Not my Address or phone numbers or employer 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 Phone Number ( XXXX ) XXXX NOT MY EMPLOYER TOTAL STAFFING CROWN SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Inquires need to be removed and this 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-21
Company: OneMain Finance Corporation
State: GA
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:
I tried to reach out to find out who they were and who authorized them. I've had difficulty. I tried disputing as well and it's still on my credit report. These companies were not authorized to access my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am writing to let you know that the customer service provided for Capital One Venture card holders has been absolutely unacceptable. The main reason many of us opened this card was for the travel benefits and ability to transfer the points externally to airline partners. I met all of the qualifications to receive the sign up bonus, but when I went to transfer the points I was told I am unable to do so because I recently purchased a new phone. Even though my phone number is exactly the same as it was before, the company has been unable to verify my phone number during the 2FA process. This makes the points completely useless, as travel award flights are in high demand and do not stay available for long. They also have no timeline of when they will be able to verify my account. 

This experience with customer service has been extremely frustrating, and it is shocking that there is no other way for customers to verify their accounts other than a phone number. I offered to verify over phone, email, provide identification documents such as my passport, etc, but they said they can not do anything. It is even more shocking that not a single person in the company can transfer the points on my behalf. Please let me know if there is anyone else this can be escalated to as this has been one of the worst customer service experiences I have ever had with a credit card company. 

The date I received the new phone was XXXX. I called customer service on XX/XX/15 which was the date I was trying to transfer the points. I was transferred to a dozen different customer service agents, all of whom were completely unhelpful and had no idea what to do and said that there was nothing they could do to help me gain access to my account. It is fraudulent behavior to lock consumers out of key features of their accounts for unspecified periods of time without advance notice, especially when those key features are advertised as the main reasons to apply for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Experian and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be removed accordingly. 

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 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 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 explanation
Consumer complaint received 2017-05-17
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On  XXXX  of  XXXX , when I visited   XXXX   XXXX   in  XXXX , GA, I agreed to receive their services and to finance the amount of {$2300.00} at a 0 % interest rate. In  XXXX  of  XXXX , I was charged {$680.00} of accrued interest. That is a substantial amount. At no point during the consultation with  XXXX   XXXX , the  Manager at that Ideal  Image location, was I told that there would be an expiration date for the 0 % interest rate or that it was even a promotional offer. I have reviewed the entire contract and nowhere on it does it state the offer or expiration date.   I have always tried to make more than the minimum amount due each month but honestly, knowing that I was not accruing interest gave me the peace of mind to make higher bill payments elsewhere. I believe it is improper for them to tell me I am being financed a product at 0 % and not tell me it is for a period of time only. If that would have been the case, I would have paid off the credit line by that date or not taken the credit line at all. I have reached out to Comenity Capital Bank and wrote a letter to dispute the accrued interest charges and also attached copies of the contract I signed which support my position. They have not been very helpful during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Im Reporting some Fraudulent inquiries that some XXXX use my information to put inquiries on my Consumer report heres a list of inquiries made on my consumer report Trans Union reporting XXXX XXXX XXXX youll be home all day program XXXX. XXXX Bank XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX

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 2022-02-22
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My mortgage loan transferred to Rocket Mortgage on or about XX/XX/2022. As part of their intake process, they reviewed my loan to see if I was getting the best rate and an agent ( XXXX XXXX ) called me to see if he could interest me in refinancing options. I told him from the beginning I was not looking to refinance but he said he could pull the numbers and see what they may be able to offer. I told him that if he wanted to pull together some numbers that I'd be happy to take a look, but I had other things going on and wouldn't be refinancing at this time. He pulled things together and I told him I would think it over and get back to him. I found out 3 days later on XX/XX/2022 that he pulled my credit. I called Rocket Mortgage customer service and was escalated to a XXXX XXXX ( XXXX XXXX ). She said that she would review things and get back to me which she did. She claimed that she had reviewed the recording of the initial conversation and XXXX told me he had to " review my credit report and verify personal information '' and I agreed. 1 ) He never said that to me 2 ) I never agreed to that and 3 ) even *if* he had said that, what does that involve? He has the obligation to make it clear and get express authorization for my credit to be pulled. He didn't! I've done this process of " running the numbers '' with loans many many times and never has it involved pulling my official credit report. That comes during the next step of to actually applying for the loan. 
I called back and asked to review the recording and was that I wasn't allowed to, that recordings are used only for training purposes and were proprietary to Rocket Mortgage. All she would tell me is that shes authorized to speak on behalf of the company and their legal team and they trust her decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an automatic payment option enabled to my account ending in XXXX. I have always have the auto pay in place and they charge me {$38.00} in fees on XX/XX/2023 and claimed my account is passed due, when it wasnt, I scheduled a manual payment for {$38.00} dollars because I was mislead and lied to. Additionally I was charged another {$29.00} in fees for a return payment when in fact I have auto pay in place. While their supervisor lied and claimed my account number is wrong that is why a fee was charged they have initiated an amount of {$160.00} from the same account she claimed it was a wrong account number. Credit card and banks are raping consumers in outrageous and ridiculous fees like a wild fire. I am tired on being charged unreasonable fees or fees that I did not caused to be added to my account. What are you going to do about it, why is credit card companies allowed to charge XXXX XXXX  in interest but I am not receiving the same XXXX XXXX  in interest on my money sitting at the bank. How much longer you going to allow financial institution to XXXX consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am name is XXXX XXXX XXXX XXXX and this this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$180.00} XXXX XXXX  XXXX Balance : {$860.00} XX/XX/2018 XXXX XXXX  XXXX Balance : {$23000.00}

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 non-monetary relief
Consumer complaint received 2017-05-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Date :  XXXX   XXXX ,    XXXX   Fac t : A deposit of a court check of the amount {$160000.00} was deposited in my Chase Bank checking account #  XXXX  ( Exhibit A & Exhibit B.  Yet ( 1 ) Th e money was never credited to my account "  XXXX    XXXX    XXXX , the Trust of  XXXX  ''  ( 2 )  The original check has never been returned to this depositor.   (  3 ) Soon Chase c losed my checking account in  XXXX   XXXX .   (  4  ) Expert on recovering funds wrote that the originator of the check --  XXXX   XXXX   Court has cashed the check. ( Exhibit C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I sent a credit reporting dispute to XXXX, XXXX, and Equifax Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX  XXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am not swayed that XXXX and XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX, XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with PACIFICUNION with account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GLA has been trying to collect on  XXXX  accounts from  XXXX   XXXX  that I do not owe.  XXXX  account was for {$100.00}  (  which was a   XXXX   XXXX   that my insurance covered ). The  XXXX  balance was also covered under insurance, but I also made an agreement that in exchange for the check they sent they would delete the {$34.00} balance from my credit reports and show that it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: SCA Collections, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.

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 2023-11-21
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX  I requested a transaction of ( EUR XXXX ) from my account Wise directly to the account XXXX XXXX XXXX XXXX. I tried to resolve with XXXX seen that this is the host account of XXXX that is the final beneficiary. I tried to resolve with many costumer service inclusive XXXX but nobody help me to recover my money. I know that the transition had been with other currency but Wise.com surely insurance my request and then why nobody try to help to refunded from the XXXX XXXX  XXXX XXXX XXXX ( California ), that is the bank where XXXX XXXX XXXX has the account and where my funds was arrived them. I tried to communicate many time with XXXX, XXXX  and they replied that I'd should contact Wise for refund. Finally I request the refund from Wise, but there was just this response " We sent you the Wire Transaction Details, We can't do more than this, sorry but it was been past many time. For me this is a steal or fraud because Wise tried to while made away time to told me finally that my funds was losted. So, I need your help to try to reclaim them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX retaliated on XX/XX/XXXX after a complaint had been filed and XXXX  allowed duplicate and triplicate reporting of debt to be placed again on my credit report. Some or most of the debt is NOT even mine. When I complained about the debtor changing account information from individual to joint they added more reports of debt to my credit history. I will never get out from under this mess unless I file bankruptcy which I should n't have to do since the Hospital wrote the debt off in XX/XX/XXXX, XX/XX/XXXX. The debtor XXXX XXXX is pursuing me out of spite and malice.If I could have afforded to pay the XXXX bill I would have, I did n't have insurance or a job when I was hospitalized or my spouse being hospitalized for a Worker 's Comp Claim that XXXX XXXX XXXX XXXX should have paid but did not. Please get this creditor to stop harassing me and ruining my life. I ca n't get a job, I ca n't get a loan, I ca n't do anything to help recover from this mess and most of the mess is not even my debt nor did I receive the services.which are exclusive to ONE persons being hospitalized getting care not joint. I did NOT sign as a guarantor on any of the paper work and the Provider is on a federal venue for indigent care. I qualify for care under that status alone. XXXX has a duty to prevent unlawful entries, duplicated entries and entries which demonstrate the creditor is abusing their power with repeated entries duplicate account numbers or the same account number being entered over a dozen times with different amounts when the aggregate of that account should have been used once.

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