BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-23
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I applied for and was approved for a Discover it card in the amount of XXXX . This was good news as I have worked hard the past two years to build the credit standing that I am in today. I recieved the card and activated it immediately. Two days later ( XX/XX/21 ) I recieved an email that my account was being frozen to review my financial information and I would need to sign an authorization through XXXX for a 4056-T to release my tax returns. I complied with this request and was told that the IRS was backlogged when I called to check on the review. This was concerning to me as the IRS says it only takes 3 business days to turn over the information. Today, over a month after the request, I recieved an email stating that my account was being closed effectively immediately based on my account information as a whole that they were unable to verify information on my account. I myself am able to log in to my IRS account and pull my transcripts, the same as Discover requested and I see they are available, thus I do not see how they can claim that information was not verifiable. Furthermore this is a clear bait and switch, Discover has every right to do their due diligence when deciding whether to approve a customer for an account or not. However, to approve an account, send a card, allow me to activate the card, freeze my account for 30 days, and then close my account, is negligent and impacts me negatively as a consumer when they couldve just denied my account in its entirety. I will be contacting the IRS to confirm if and when this review was even completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: FIRSTBANK PUERTO RICO
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
First bank in Puerto Rico, Loan officer XXXX XXXX XXXX and processor XXXX XXXX were Non responsive. I started this deal in XXXX and XXXX approach and still no closing in site. Emails, calls and text often unanswered despite me submitting any document request in a timely manner. Below is the email I sent them ( No response by the way ) " Feedback is a very important part of improving your business. This is why I am taking the time to write this email. 

Transparency is very important when you do business. Responsiveness is a very important to doing business. I am sorry to say neither of these have been characteristic of your Bank managing my account. 

I need to take a moment to voice my frustrations with your loan process. I have closed approximately 10 loans in the last few years which has included 5 rentals properties ( XXXX each ), 2 primary residences ( XXXX and XXXX ), 2 refinances ( XXXX and XXXX ). I am VERY familiar wth the process. Even during Covid I had a 30 day close on a property. I have never had such difficulty in communicating and closing a loan such as this, I have never had to " withdraw '' an application to convert the deal to a cash purchase. I am grateful that I have the resources to convert this to a cash purchase to avoid losing the deal but I am very dissatisfied with First Banks responsiveness all around and the manner in which you conduct business and managed my account. 

After numerous emails, phone calls and texts. many of which went unanswered, I had to make the decision to find alternate means of make the deal work. I have provided every document requested in a timely manner despite my busy schedule. 


Rest assured that as I continue to do business in Puerto Rico and invest in real estate, First bank will not be my first option nor any future recommendation to any of my colleagues or others. It is unfortunate we came to this point and please understand, my issue is not that you did not complete the loan ( I was NOT declined ) it is ultimately the manner in which you have conducted business. 

This was not a million dollar deal but in the loan industry any size loan matters. Your company and its representatives lacked the attention to detail necessary, responsiveness and communication to make this process efficient and see it to completion. I have had to resubmit many documents even though when I was asked I typically submitted them within minutes. 


In closing, this was my first transaction using a PR bank and I hope in the future I may have a better experience as I am committed to investing in PR. I hope this letter serves you with information you may use to serve your future clients better and improve your processes. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: GA
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 finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2023 60 days late as of XX/XX/2023,  90 days late as of XX/XX/2023, and 120 days late as of XX/XX/2023 I am not sure how this happened. I was under the impression that this account was closed and did not know that a payment was due to this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.

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 2021-02-24
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent written communication disputing the validity of the debt and informing them not to make any further attempts to communicate with me regarding collection of the debt without first providing written verification. No written verification was received and i have not only received repeated phone calls, but continued written correspondence attempting to collect the debt that is being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
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:
XX/XX/17 a dispute was filed to XXXX XXXX and Experian for a federal tax lien in the amount of {$11000.00}

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 2022-08-05
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following accounts/inquiries I need to be deleted are listed in the report and attached to this statement : ACCOUNT NAME ( XXXX ) : XXXX XXXX  I DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX 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 2020-09-09
Company: American Coradius International LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received this Collection attempt from American Coradius Intl llc,  and dispute this collection in its entity XXXX XXXX  # XXXX amount {$1000.00} reference number XXXX as an ongoing fraud filed/ID theft XX/XX/XXXX. XXXX recovery. I called them and disputed this ID theft and following up with CFPB. As best I am able to discern it is an on going attempt to collect monies I have no idea of it. I moved to XXXX, XXXX XX/XX/XXXX, I stopped living in FL at that time any debts prior I do not recall ever seeing and I am surprised when this showed collection attempt came. I have been XXXX since XX/XX/XXXX per SSA My wallet went missing in XXXX when i moved out of the country i vigorously deny any association of any use of XXXX or XXXX XXXX   with this referenced account. Further I wish to have them not to report this credit bureaus as uncollected debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have unauthorize inquiries I do not recognize. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. I never authorize to run my credit.

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 2021-02-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX continues to report to XX/XX/XXXX ; Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2020-09-09
Company: Williams, Rush & Associates, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. On XX/XX/XXXX, I borrowed {$420.00} from XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX account to XXXX XXXX {$330.00}. Never company tried to collect as evidenced from Credit Reports. 
2. XXXX XXXX sold account to William Rush and Associates ( amount unknown ) 3. Williams Rush reported to Credit Bureaus XX/XX/XXXX. 
4. I contacted XXXX on XX/XX/XXXX to inquire, why they had the account, and that I had not received any notice from them. 
5. I received telephone call from Ms. XXXX, and although I had questions about the amount owed, I offered to pay 1/2 of the debt in order to reverse the 61 points decreased from my credit score. I  stated that this was a one time offer, and I was not in the mood for Debt Collector games ( this money was coming out of my social security check ). Ms. XXXX stated that she would check with the original creditor to get ok. She then call me back about a week later and indicated the original creditor denied my offer. ( Game number one ) 6. On XXXX XXXX I mailed letter requesting original documents verifying the amount owed etc. ( see enclosed letter. ) 7.  The attached documents show I paid a total of {$580.00} to XXXX XXXX. This proves the original amount borrowed was paid, if they are now claiming interest etc. I need to see the original documents signed by me authorizing such an amount.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax, XXXX and XXXX continue to report that I have 2 dismissed XXXX XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a XXXX XXXX  wage plan. Reporting that I have dismissed XXXX XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: NORTHWEST BANCSHARES INC
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We went through the online process to open the free checking account online. It clearly stated there was no fee based on certain selections. One of those selections was estatements, but if you elected for paper statements there would be a fee. I believed I went through everything online to set up the account and elect for online statements so that there was no fee. When we get our first statement, it comes through the mail and we see a statement fee on that statement. We call a rep, don't get anywhere, request a manager, don't get anywhere, go to the local branch, and still don't get anywhere. They were very matter of fact and nonchalant and didn't seem to care they had a disgruntled customer or was losing business. They did advise that there was no way possible to sign up for estatements when signing up for the account and that it was going to automatically send us a paper statement until I logged back into the account and elected for estatements at that time unbeknownst to me. I also couldn't log back in immediately as there were several days before the online account was available to be accessed. So it seems they had some deceptive practices trying to trick a customer in getting paper statements instead of intuitively being easy to sign up for when signing up for the 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 2020-05-25
Company: Comerica
State: IA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am reporting a fraud on my government Credit Card. I had my account hacked into on XX/XX/20 for 6 different cash withdrawals totaling {$530.00}. I made a dispute to Direct Express company regarding my fraud on my card. They took the information from me and said they will do a investigation now it's almost a month since this has happened and they act like they don't care and it's very hard to reach customer service took me to XXXX I also made a Police Report and told me it was fraud and told me contact DE again I did and they are dragging their feet and don't care, Please help me get my money back. Thank You so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Navient account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX  XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Me and my twin sister were hanging out one weekend years ago on XXXX XXXX  my twin had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud

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 2022-01-06
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$1000.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Avant Credit Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been making on-time payments to Avant since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested Avant to stop auto-pay since I was severely affected but Avant still tried to process and take money form my bank account which did not have any money in it. I again contacted Avant and requested for a relief that was granted but Avant still reported late payment to credit reporting agencies. I contacted Avant and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.

Company response to consumer: Closed with explanation