BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: CA
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:
There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: EQUIFAX, INC.
State: KY
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had 1 credit card with Bank of America account ( as an authorized user ). XXXX   reported it. Account opened XXXX, still open. XXXX  deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on XXXX  and/or XXXX  who BOTH report it correctly which XXXX  has been told numerous times. XXXX  mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the Bank of America Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to XXXX  and Bank of America monthly, the account is NOT reinstated. It has been over 4 months. XXXX XXXX nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ),  and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by Bank of America letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
Bank of America contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). XXXX  states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).

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 2019-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I went into Bank of America to apply for an bank account on XX/XX/XXXX. I was told to call ph # XXXX. I call number gave them my info I thought it pertained to a fraud alert I have on my credit report. Little did I know, the agent to me that checking accounts had been open from XXXX to XXXX with my Husband which, I was only married for three months before his death and we had no accounts together. Woman stated the amount charged off for over $ 7k ( fraud ). I was then told about 4 other accounts open in my name in XXXX ( bank would not disclose the amounts ). I told them I was a victim of fraud I Bank America has never sent any letters or notice to me. I asked about the address listed for the account but, the agents said it was against federal law to disclose the address since, this was a fraud account. I never had any accounts with Bank of America. I filed an Identity Theft report with XXXX Police Department XXXX. I am very upset because this is the first time ( its not ever on any reporting agency reports. I would like to know what was purchase on all the accounts and the address this was sent to. Why would bank allow someone to open that many accounts in one year running up amounts? I need to know this I have a right ...

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 2020-06-29
Company: Experian Information Solutions Inc.
State: LA
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 balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-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 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is an account that is older than 7 years and should NOT be listed as this was when I was married and have been divorced more than 7 years, requesting this be removed ASAP XXXX XXXX XXXX past the statute and stating XXXX XX/XX/2012 is 110 % NOT accurate data

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 2020-09-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Theses are the inquiries that I have been disputing they were taken off the other 2 bureau reports. These were unauthorized and I would like these to be taken off immediately. I have sent in all proper documentation. I was denied credit for the COVID-19 funds XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX , GA 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 2018-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new XXXX XXXX. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {$450.00} ). Without warning or negotiation, my loan was closed or charged off with an approximate balance of $ XXXX in XX/XX/XXXX. I communicated with the collection company USAA has sold my loan to and have made a couple payments. 

My issue is, I had an XXXX card with a $ XXXX limit, {$500.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit. 

XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to " credit '' the remaining ~ {$500.00} balance and close the XXXX credit card! Mind you, I have been in the military the entire duration of the utilization of the card and that was never offered to me or explained. When speaking to multiple reps on the phone of USAA, I was told, my XXXX credit card was closed because it was a " business decision '' based on my loan that had recently closed - even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any of those documents. 

I am a fan of USAA and have been a member for close to 10 years. I am attempting to rebuild my credit and can not afford another negative account. I Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the Equifax breach but I can't wait until this is over. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: DISCOVER BANK
State: CA
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:
My Discover account, my oldest line of credit, was closed unbeknownst to me. There is no information on my Discover.com ( like secure messages or indications on my statements ) that shows that they reached out to me. They said they sent me mail to my home address ( dated in late XXXX ) stating I need to use the card to keep the account open. However, 1 ) we are in the midst of a global pandemic 2 ) I work in a XXXX  and have not been able to keep up with unexpected updates from Discover 3 ) I have informed delivery from the USPS and there is no record of any mail from Discover in XXXX. Additionally, I had successfully filed a complaint with the CFPD in the past ( XXXX ) regarding not receiving mail from Discover. They acknowledged their mistake but it seems like this is still reoccurring. I do not want my oldest line of credit to be closed. This is not standard industry practice and most other creditors ( XXXX, XXXX, XXXX ) do not play games like this. I reached out to customer service and supervisors and they told me that they are unable to reopen my account ( because I did not act on the information that I did not receive ). I was told I would get a call back from HQ but they will not be able to help me. I am now reaching out to you as a regulatory agency to make sure creditors stop these predatory practices. I am very disappointed in this practice and would appreciate my card reopened. I am a young adult and I can not afford a large hit to my credit as my average age of credit will now drop significantly and this will affect my mortgage and loan opportunities as I try to grow my XXXX. They advised me to open a new account to continue my relationship with Discover but this has very negatively impacted my view on the company and their policies. I will allow them 1 more chance to right this wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have been trying to resolve this issue with Comenity Bank since XX/XX/XXXX. Information they are reporting to the credit bureaus are incorrect. Have submitted disputes through the credit bureaus but have not received any responses. I have sent certified letters to Comenity, with no response. Comenity has however called every member of my extended family ( no clue how they have their # ) and left threatening voicemails. 
The following info is incorrect : Opening date of account Credit Iimit Balance- is one is a whole other issue. I received items that I did not order, but was charged for. I have emails dating back to XX/XX/XXXX where I had email conversations with an employee named XXXX, who was to remove these charges but did not. 
I can share these emails as well as credit report summaries from XXXX & XXXX showing the above info I have stated is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.

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 2020-06-05
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On the XX/XX/2020, I closed on a VA Mortgage Refinance with Pentagon Federal Credit Union. As part of the closing costs for the refinance, there was a {$28.00} Water Quality Well Inspection fee that was collected to pay the testing lab, XXXX XXXX XXXX. I have received two bills from XXXX XXXX XXXX. I contacted the PENFED Loan Processor, Ms. XXXX XXXX on XX/XX/XXXX after receiving two bill invoices from XXXX XXXX XXXX and told her that the bill had not been paid from the closing costs. She informed me that she would turn it over to her closing manager and that was the last I had heard from PENFED and Ms. XXXX. When I called XXXX XXXX XXXX on XX/XX/XXXX, the bill still has not been paid. I attempted to contact Ms. XXXX, but she would not return my call or email. I sent a {$28.00} Check to XXXX XXXX XXXX to pay the bill, because I did not want it to go into collection and impact my credit rating.

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 2020-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Due to COVID-19, I have negatively financially impacted. It is my understanding that based upon the Governor 's order that there would be a mortgage forbearance, however, that is not true. Select Portfolio Services is instead deferring my payment three months and then requiring me to pay a lump sum payment which does not help me. My understanding was that the payments were supposed to be moved to the end of my loan. Likewise, Select has now threatened foreclosure if I can not pay. I have tried to reach out to them, but they will not work with me. It is my understanding that they are violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In particular this was investigated in another case # XXXX, and the Company reported that they had the right to close the account and that was the final decision.Part of my complaint was I filed with XXXX XXXX a " Credit Dispute ''.

In their letter to me dated XX/XX/XXXX in the last paragraph they state " On XX/XX/XXXX, we received your faxed credit reporting dispute regarding the account closure and your request for reinstatement. The dispute was inadvertently closed without resolution on the same day it arrived.

They make no other mention of my " Credit Dispute '' other than they " inadvertently closed my dispute without resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Green Mountain Capital, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I receive a loan from this company in which interest rate sent was exceeded what law allows. I have tried to payback loan but due to high rate I have been unsuccessful.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation