BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
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 information incorrect

Complaint:
I've contacted XXXX  and was advised this account was opened in my name in 2016. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage serviced XXXX recently partnered with loan care. I was in the process of getting my PMI dropped off since I have met the 75 % minimum equity required and even paid for an appraisal through XXXX to have it done but since I was transferred midway through I have not been able to get a response from loan care. This is time sensitive since the appraisal is only valid for a set time period. 

I have submitted 2 online requests asking for a call and nothing and have called he phone system at XXXX numerous time last and can not get a person on the phone since the system just keeps putting you in a loop and wont let you speak to anyone ever I feel like they like the servicer is violating the act that allows me to drop off my PMI since I have met all criteria and have not received a timely response

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 2018-07-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I spoke with XXXX in collections for XXXX XXXX account. I explained that I have been going through financial difficulties and wanted to start paying {$25.00} dollar installments. She told me that it was not enough and began to get belligerent. She said needed pay {$100.00}. Then in a fast conman way asked for my debit card number or checking information. When I would not give the information she said she would note the account refusal to pay. I said I am not refusing to pay you refused the amount I am willing to pay. She was so rude, I asked for a supervisor. She placed me on hold and XXXX XXXX answered. I described the conversation and asked if that is how they train their representatives. He hung up on me. I called back and couldnt get through. The call was recorded between XX/XX/2018. The call began at XXXX XXXX and lasted approximately 7 minutes total. Please request a copy of the recorded call which will corroborate the fact she refused my payment. The call was recorded ; we were on a recorded call- that is how XXXX started the conversation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ). 

[ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM. 
I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem. 

There seems to be no responsible humans at XXXX, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score. 
The XXXX report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report. 
I need a copy to present to Nordstrom ( or perhaps you can correct.. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit has sued me for remaining credit card debt even though I have filed for hardship program thru them and made them aware I am unable to pay anything and that I am a XXXX person who received XXXX and therefore am judgement proof as my wages are protected by federal law. Judge even heard it and said the case is going to trial in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This issue started when I lived in XXXX XXXX, Tn. I don't remember the exact dates but I lived in my house from XXXX. I ordered XXXX XXXX from XXXX XXXX XXXX. The service man came out to connect my service but informed me that because of where my house was sitting I would not be able to get a signal. My house sat at the bottom of hills that surrounded my house. I called to inform customer service of this and they said since i called within the 3 day grace period that I would not incur any charges. Now I have a strike against me on my credit report because of them and XXXX XXXX XXXX has sold my account to a collections agency who is trying to collect {$110.00} from me. I had called XXXX XXXX XXXX to discuss the charges and what I had been told and they said that I had been given misinformation and that I had to pay the installation charges even though I was unable to get service. I was totally lied to by XXXX XXXX XXXX. First of all the customer service rep should have been able to let me know if I could get service at my address or not. This is such bad business practice. I want this report removed and closed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'm disputing a charge with portfolio recovery the previous owner of the dept was jcpenny the account closed XX/XX/XXXX. XXXX XXXX   purchased it in XX/XX/XXXX. The debt was not on my credit report because it was closed. XXXX  has never tried to contact me. but I went to but once in XX/XX/XXXX by mail saying they were garnishing my state taxes. when I went to the court it had paper work that they had sent me letters and hand delivered me paper work in the XX/XX/XXXXwhich I never received. I spoken with them recently because I had another balance which I paid off and one I'm paying on. I believe that they are prying on me for a debt that is long pass over due and reached the statue of limitation in Michigan after 6 years and they purchased it too late now they are trying to harass me for an out dated balance. I also made an agreement with jcpenny when they were the original creditors but when I spoke to them they stated they no longer can disscuss or have the records id have to contact XXXX XXXX. account number XXXX address XXXX XXXX XXXX mi XXXX. if you can assist me with this matter I would kindly appreciate it. thank you XXXX ) XXXX. {$800.00}

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 2021-03-03
Company: GOLDMAN SACHS BANK USA
State: NY
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:
Goldman Sachs was supposed to send me additional documents to verify my identity. I was told when I applied that this would be sent to me during the application process. Instead, I have been declined because they claim they can not verify me but never sent any additional documents. I have received many different answers from a number of associates. Based on their lack of solutions or help, it is apparent to me Goldman Sachs is discriminating against me for some reason. Very shocking given my XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: CA
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 made a purchase at my regular spa for XXXX on XX/XX/XXXX, I received terrible service by an untrained new staff member. They rescheduled to fix the problem and rescheduled on XX/XX/XXXX. They said, my regular XXXX has left the job and wont be able to provide me a new XXXX  because they dont have any at the moment. 
They never fixed the problem, and said they will return my money upon checking with their boss/owner XXXX. I never received my refund. I filled claim with my credit card service provider Citi Costco Visa. On XX/XX/XXXX, they sent a letter stating, they are trying to get permanent credit. On XX/XX/XXXX they reversed the temporary credit without any explanation. I called and spoke with their dispute department rep. On XX/XX/XXXX and I was informed that their supervisor decided to reverse the credit. 

I am not responsible for the charges for services that I never received. I want my money back from the merchant and the credit card is not working to get it for me. They are heading me responsible. The merchant should be held responsible since they are one who failed to provide me the service.

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 2018-03-07
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX  who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.

My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.

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 2021-03-03
Company: AES/PHEAA
State: AL
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:
Recently, I ordered my credit reports and realized that my student loan payments are not reporting correctly. I disputed with the credit bureaus and you all validated the error that is currently on my credit report. Besides the inconsistency on all 3 credit reports, the payment history is all wrong. ( I've attached an example of only ONE out of many accounts ). 

If you'd take a look in XX/XX/2017, you will notice that I made a qualifying payment/deferment. The next month, XX/XX/2017, it states I am 90 days late. How is that possible? This is just one mistake out of many. I would like for all of my student loans that show this same mistake to be corrected and if you can't correct it, I would like this deleted off my credit as this error is hurting my credit, terribly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 company keep reporting inaccurate information and refuse to investigate. 
i have not received respond, they are ignoring my rights.

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 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 was fraudulently charged {$73.00} in XX/XX/XXXX on my Bank of America credit card. After initially bungling my fraud claim, Bank of America credited me for the fraudulent charge. The credit was wrongly reversed half a year later without notifying me and without any explanation. When I noticed on my statement that the credit was wrongly reversed, I spoke with Bank of America approximately seven times, maybe more, from late XXXX till today, XX/XX/XXXX. Over a period of about four months, Bank of America told me over and over that a check for the credit money would be mailed to me. The first promised check never arrived. I called Bank of America and was told that they would stop the first missing check and order out a new one. The second check never arrived. I called and asked that the credit money be sent directly to my checking account and was assured it would be. That never happened so I called Bank of America numerous times again. Each time the person I dealt with told me that the whole history was written in the notes and that the money would be ordered out to me. The money never arrived. Now after months of misleading me and a year after my initial fraud claim, Bank of America is telling me that they will not refund the money for the fraudulent charge and will not help me any further. 
Now in XX/XX/XXXX, a full year after my initial report of the fraudulent credit card charge, Bank of America is telling for the first time that they want more documentation to credit me with the {$73.00}. I told Bank of America that I have a copy of the contract for the fraudulent charge with my signature forged by the dishonest car rental company, but Bank of America said that a copy of the forged document is insufficient to support my request for the refund. The misinformation provided repeatedly by Bank of America for a year, their refusal to accept a forged document as evidence of the fraud, and their failure to inform me for a year that they want more documentation from me, is unacceptable. Bank of America must be held accountable and refund the money due me. 
I do not have the computer skills to submit the forged document but will mail it to anyone upon request. Bank of America has recordings and written notes that document my numerous and lengthy telephone interactions with them. I saved the forged document because it was so shocking, and I will search for any other documents that I may have. However, since Bank of America didn't ask me for documentation until a year had passed and told me repeatedly that my money was on the way, I wasn't careful to retain all the paperwork and doubt I can find anything more at this point.

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 monetary relief
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
Attached below are additional documents which show the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.

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 2020-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
USAA CONFIRMS NO FRAUD SO WHY WHY WHY ALL REVERSALS OF CREDIT NOT PROVIDED?? See attatched USAA CONFIRMATION XX/XX/XXXX No Fraudulent Activity Found After Review of Your Claim. WHY ALL THE REVERALS OF CREDIT ( Security Adjustments ( OF ) in one month XX/XX/XXXX see attatched CREDIT REVERSALS TOTAL {$1.00}, XXXX ** USAA REVERSES MERCHANTS CREDITS THAT ARE NOT USAAs. NO Fraudulent Activity PRODUCED NO PERMANET USAA CREDITS TO REVERSE {$1.00}, XXXX in XX/XX/XXXX. ( These were MERCHANTS CREDITS REVERSED NOT USAAs. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: AAS Debt Recovery, 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've FULLY PAID an account off of my credit with AAS Debt Recovery and they have yet to have their credit line from my credit profile and I've called them and disputed several times. It needs to be removed form credit ; as I've already paid the money that I owe in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
Attached below are additional documents which shows the letters I will be mailing out to collectors because they failed to validate my debt within a 30 day frame. I mailed letters to them on XX/XX/XXXX and have yet to hear anything regarding validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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:
There are 9 accounts on my credit report reporting on three bureaus that do not belong to me. These accounts were opened fraudulently and I have not signed nor applied for this. 
XXXX  XXXX XXXX - Acct # XXXX XXXX {$20000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$5200.00} Opened XX/XX/XXXX XXXX XXXX  - Acct # XXXX XXXX {$3500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Amt {$5700.00} OpenedXXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX Amt {$5300.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$6000.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX {$20000.00} Opened XX/XX/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 2020-08-26
Company: American Accounts & Advisers, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I allegedly hold a debt for {$440.00}, with : American Accounts Advisors , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX They claim I took out a XXXX XXXX on XX/XX/2017. I never received a loan from this organization. Please contact them and investigate who, in fact, took out this loan in my name.

Company response to consumer: Closed with explanation