BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The financial counselor from XXXX XXXX is handling this case. I told the debt collection agency this. I also contacted the hospital several times and told them I never requested medical services for my son whose bill for {$2900.00} I received. I told the hospital if I will get a bill I will leave. They told me in the admitting room that i would not get a bill because I had no insurance. They lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, I opened a Chase Total Checking Account. On XX/XX/2020, I set up a direct deposit to my account from my employer to take advantage of a promotional offer of {$200.00} for a new Chase Total Checking Account with a direct deposit set up. However, when I opened my account with Chase, the webpage timed out and removed the promotion coupon from my application, without my knowledge. On XX/XX/2020, I spoke with a Chase Customer Service Representative, and they proceeded to tell me I did not qualify for the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX were transferred in XXXX to Commenity Bank. I had the wrong address on the payment that I sent in for XXXX, and it was returned. I re-issued a new payment, and it cleared my account on XX/XX/XXXX for {$200.00}. That was more than my minimum balance for XXXX, XXXX, and XXXX. Then I issued another check in XXXX, and that cleared on the XXXX for {$240.00}. This was also more than enough for the monthly balance. I have sent at least seven letters, and spoken to multiple people at Commenity Bank and XXXX stating that due to the large payments that they are not reporting these as late payments. I haven't had late payments, and my credit report history is great. In XXXX, when I purchased a vehicle it was XXXX. Now with this, we are unable to refinance our home, because it is showing negative payments on my credit report history. I need this taken off of my credit report immediately, because with everything going on we are worried we are going to lose our jobs. We have to refinance so the payments are more affordable, even if one of us lose our jobs. I need help, and have been waiting for months. 
XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX. XXXX XXXX XXXX, DE. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
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 recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2021-01-30
Company: UNIVERSAL COLLECTION SYSTEMS, INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX at XXXX, I received a call from a XXXX claiming to be from Universal Collection Systems. She simply told me to pay a debt of {$50.00} and then asked for my card details. It seemed suspicious to give my details over the phone so I asked for a website and put the information there. I still find it strange that a debt collector needs my card number, expiration date and the three numbers on the back. I was never told what the debt was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Around XXXX of 2020 Netspend decided to hold my account hostage with {$4500.00} than demand I send in bogus documentation only to no resolve. They then used scare tactics to threaten me but when everything they requested of me was submitted they decided that my account was linked to a PayPal account that was in arrears so theyre keeping the money to offset that with no documentation provided whatsoever. This is fraud. Theyre scamming people. Please help.

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 2021-10-05
Company: U.S. BANCORP
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:
This bank is rude to me Lied to me Their lending dept I applied for a credit card and it was delayed and today I get a notice denying me Saying Im A risk what type of declination is this Its not even a credit reason why are they doing this to me I feel discriminated against they can not treat me like this and get away with it its wrong Completely and give me no recourse of action they arent the law they are regulated by 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 explanation
Consumer complaint received 2020-01-24
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is an addendum to Complaint No. : XXXX Below is how CashNetUSA is attempting to collect an incorrect amount of money What are my next steps. As you can see I sent an email. 

Thank you. 

XXXX XXXX XXXX THIS IS CASHNET USAS NOTICE TO ME DATED XX/XX/XXXX " Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 
On XXXX, a payment of {$200.00} is due. 
Please ensure that your payment is received on time. To avoid potential missed payments and late fees, you can change your payment method to an automatic bank account debit at any time by calling XXXX. 

If you have any questions or concerns, our Collections Team is available seven days a week to help answer all of your questions via phone or email. 
CashNetUSA Collections Team Phone : XXXX Fax : XXXX Email : XXXX   www.CashNetUSA.com To ensure delivery of important updates from CashNetUSA, please take a moment to add XXXX  to your email address book. And be sure to bookmark www.CashNetUSA.com for quicker access in the future! '' XXXX___________________________________ THIS IS MY RESPONSE TO THE NOTICE " Dear Sir/Madam : Regarding your above reference to an upcoming payment, please note that the Payment Plan DOES NOT indicate any payment amount of {$200.00} The agreed-upon payment amounts are : {$180.00}, {$180.00}, {$180.00}, and {$140.00} Although I agreed to pay {$140.00}, I believe you added an additional {$140.00}. After all, I have had so many conversations with different Associates of CashNet, more money could have been added. As you can see, there is no arrangement or agreement to pay {$200.00} as part of the current agreement. 

Please advise and correct. 

I am sending a copy to the Consumer Financial Protection Bureau of your notice, a copy of the Payment Plan and my response. I would like the Agency to see how this account is plagued with false statements and misrepresentation. 

HERE IS THE PAYMENT PLAN XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$180.00} XX/XX/XXXX Manual Payment Debit Card {$140.00} XX/XX/XXXX Manual Payment Debit Card {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Credit Karma, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a secondary account with Credit Karma banking.i have a checking and savings not even a year old. On XX/XX/2021 my account was frozen!! I had no Knowledge of this until I went to the grocery store that evening to use my card. There was no communication, no call, no text or email about this happening. I called them to complain and they gave no explanation as to why my account was frozen. The customer service person just told me they made a case and please send my questions to that email to get updated. They also said that they are currently working on it. Today is day 7!! Still no communication after ten plus emails and calls. I have no access to MY money for my kids, groceries or gas.. they are even declining my credit card payments that I got through them! I have over {$700.00} in fees from this and I don't think it's right! This can't be legal? They are a member of XXXX XXXX  and when I reached out to XXXX they just transfered me to credit Karma service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, 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:
Their is an unauthorized inquiry from XXXX XXXX lending on my credit report that showed up XX/XX/2017. I have disputed this repeatedly with Equifax and they continue to tell me it will be removed, but it has not been. I did not do business with this company and never applied for anything with them and never gave my permission to have them pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase online through HSN.com. In order to get promotional offer, I was told I needed to open an HSN card which I did. I made a purchase on XXXX/XXXX/XXXX for {$130.00} then another purchase on XXXX/XXXX/XXXX for {$47.00}. In the month of XXXX, I called inquiring about the credit card and was told the bill would be generated in XXXX. I waited until XXXX, once I received the bill, I made the payment on XXXX/XXXX/XXXX for the total {$180.00}. On XXXX XXXX, XXXX, I was then charged finance charge of {$4.00}, then on XXXX/XXXX/XXXX was then charged a late fee of {$27.00} and on XXXX/XXXX/XXXX minimum charge of {$1.00}. In fact, I was n't aware I had those charges on my account. HSN or the credit card company did not notify me so I was under the impression I paid my credit balance in full. After I found out about the charges, I called HSN spoke  to a representative who stated they will look into it and freeze the account. I was n't comfortable with the fraudulent charges so made the payment once again on XXXX/XXXX/XXXX of {$59.00} simply because I do not want it affect my credit score. Now my account is at {$0.00}. Today, I checked my account there is a finance charge of {$1.00}. First of all, I would NEVER shop at HSN the  worst and I would like to know why do they keep incurred another charge of {$1.00} towards my credit card when in fact I made all payments included the frudelent charges the placed on my account. Please help, I am frustrated and will to file a lawsuit against this company!!!!! Please contact HSN at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: National Credit Systems,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: Reporting company used your report improperly

Complaint:
National Credit Systems INC at XXXX XXXX XXXX XXXX XXXX, GA XXXX, has reported an account on my credit report with a balance of {$1200.00}. I do not know this company. I DO NOT have a contract with them. They are not the original creditors. I have never done business with them and I do not owe them any debts. 


-NO CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Loan Science, LLC
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been in the process of applying for forbearance with XXXX  who holds my private loan with XXXX XXXX XXXX since XXXX of XXXX. Payments began to accumulate due to a paperwork error and I began to be reached out to by Loan Science, the debt collector. I have continued to work with XXXX  as well as Loan Science to amend the error and have since been stuck in the review process on the XXXX side. Since XXXX I and my mother, a consigned, have had continued multiple phone calls almost daily despite having had two conference calls with XXXX and Loan Science regarding the matter. Today XX/XX/XXXX I had received yet another call at XXXX, this time including a voicemail from Loan Science stating to call to return their call as they have good news. I return their call and I am then informed that my request for forbearance had been denied by XXXX. I had informed them that I had been checking daily and was not informed of such a decision. The woman I spoke with insisted that I had been denied and that I should apply for a payment plan. Following the phone call I contacted XXXX to confirm Loan Sciences claim. XXXX  informed me that my forbearance request was still in review and that no such decision had yet been made. Loan Science has consistently harassed both my mother and I despite being asked to no longer be contacted by my mother and my consistent attempts to keep them updated with XXXX. In addition they have continued to attempt to deceive myself and my mother with claiming previous voicemails that were never left as well as claiming forbearance was denied by XXXX when it is not the case. I have been contacted on the following dates. 

XX/XX/XXXX - 1 time XX/XX/XXXX -4 times XX/XX/XXXX - 2 times XX/XX/XXXX - 1 time XX/XX/XXXX - 2 times XX/XX/XXXX XXXX4 times XX/XX/XXXX - 2 times XX/XX/XXXX 2 times Calls maintain this level of frequency with both myself and my consigner to the end of XXXX beginning of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NC
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:
Previously a complaint had been submitted for the reporting of incorrect information. Equifax removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and Equifax have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Co LLC reported to XXXX  Credit Reporting Agency that I owe {$920.00} dollars and they are collecting allegedly  for XXXX. It is against FCRA to report inaccurate information to any credit bureau without proving that the account belongs to me by providing original documentation that the debt in fact in deed belongs to me. So, it is illegal and a violation. No one called me to discuss this account. It is the case of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XX/XX/XXXX I WROTE XXXX XXXX XXXX ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. IM REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM XXXX  XXXX ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME XXXX FOR XXXX ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...

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 2021-01-30
Company: AES/PHEAA
State: FL
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:
XXXX  under American Education Services is charging people over fees. The principal never reduces! All of this economic relief wont do anything for the 32-45 year olds that still have debt. We were given guidance to refinance by XXXX XXXX so now our loans are not considered federal and do not qualify for any programs. No one is making these loan companies comply. Ive been paying {$440.00} a month since 2009 and I still owe what I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
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: Information belongs to someone else

Complaint:
The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX  XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX

Company response to consumer: Closed with explanation