BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I got a letter in the mail from Comenity Capital Bank saying that my " XXXX XXXX Visa Credit card card has not been approved '' but the issue I have with this is I never applied for this card in the first place and I don't trust this bank enough to even give them my information because I have friends who have had very bad experiences with them in the past and call them an out right scam bank and they have very, they commit fraud very often claiming not to receive payments even when they get them so I need help resolving this issue. I DO NOT TRUST THIS BANK 1 BIT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
this is a follow up of the complain I sent about the transaction I had made for around 1300 dollars on XX/XX/2016. I had been in a battle with digital altitude trying to fight to get not only my money back but to shut down the company that had failed to keep their word. I wanted to provide documentation about how the company wouldn't provide me with the necessary refund even though I had requested it before the refund deadline. Below is the shady tactics that they did to steal my money. Once again if you search the digital altitude FTC shutdown you will see what i'm talking about thanks!

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 2021-04-07
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Barclays Bank Delaware constantly calls me late at night and demand I resolve this debt. 

This company is not licensed in the State of Indiana to collect debts or any collections. 
Please see the attached file describing the search and no data found for this company. 
This collection agency is violating State Licensing Requirements

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 2021-04-07
Company: BAM Management US Holdings Inc.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I requested my newly changed legal name to be updated with the company " Binance.US '' in XX/XX/2021 in order to be able to file my taxes but I am not getting any support from the company at all. They didn't even need additional information from me other than to confirm whether I wanted to update my name or not. I still haven't heard back from them and it's already XXXX. I still can't file my taxes because of their inability to update my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$590.00} Account was settled with XXXX XXXX XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. 
Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You can not collect a debt twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: AES/PHEAA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to work with American Education Services regarding my student loans for the past few months. I have been making payments online for years under my user name created when I first had my private student loans disbursed. In the last 5 months XXXX had some sort of change or system issue in which it blocked me from being able to access my accounts online. I am told the issue is because my profile online had my full name including my XXXX at the end of my name and that my student loans in their system was just my name without the XXXX at the end of my name and that this was causing a problem. I am currently living overseas in XXXX and have been for the past XXXX years. I have been making payments online with no problem during this time, but now I have called them several times to have the issue corrected and they continue to give me a hard time and despite speaking with a supervisor a month and a half ago who promised this was corrected and I would be able to log on my account the next day to make my payments, I was still unable to. I called again today and spoke with XXXX person who said they could fix it, and deleted the other profiles and had me create a new XXXX from scratch, but continued to get the same error message when trying to log in. They transferred me to someone to make a payment over the phone to bring my account current, and then that person proceeded to tell me I need to send in passport copies to validate my name to fix the issues. The last supervisor I spoke with said this was not necessary especially given I live overseas and it is difficult for me to do so, and in 10 years I 've never had an issue before. This is due to THEIR system issues or upgrades, not due to an issue XXXX the consumer created. There is a lack of compassion or concern as well as a lack of action to resolve their internal issues. As a result I have loans which are now 90 days past due ( just brought current XXXX and 131 days past due with them threatening to default them, despite the fact that their system issue is preventing me from making my payments online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$26000.00}

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 2022-07-19
Company: GATEWAY FIRST BANK
State: KY
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:
XXXX XXXX XXXX # XXXX pulled my credit without my authorization and refuses to remove the inquiry. I did not apply for a home loan with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
The below inquiries were not made by me. Request for removal, second request. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XXXX I paid down half my balance on my XXXX card ( I made on time monthly payments ). They reduced my credit card limit down to the amount I still owed. I contacted them about it and they blamed my credit score. 
I paid off the remaining balance on XXXX XXXX, 2017 and they closed my account! XXXX credit card is owned by XXXX XXXX. When I read complaints online, they are known for reducing/ cancelling people 's accounts when balances are paid off, even people with excellent credit. This reduction/closing hurts people 's credit scores. While my score is n't good, making on time payments and paying off the balance was supposed to be the right actions to help build it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: LA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 15 US-CODE 1692E FA
LSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
4 years I finances a house with USAA mortgage. The VA process want not bad. USAA told me repeatedly that I would pay XXXX at closing ; actually paid over {$8000.00} including the first mortgage payment that was never applied to the loan. After that USAA turned the mortgage over to XXXX XXXX XXXX. Every year I submit XXXX County tax documents indicating a property tax exemption. Every year XXXX XXXX  XXXX collects the amount of {$140.00}, holds it in escrow to profit interest on it then sends it to XXXX County. And each of the past four years XXXX XXXX XXXX told me to go make XXXX County give me the money back. USAA and XXXX XXXX XXXX are taking my ( possibly many others ) property tax, holding it for investment, making money on it, then paying tax that is not to be paid. This practice needs to stop. To a XXXX XXXX XXXX employees credit in XX/XX/2017, she tried to have a permanent waiver on my account but the processors would not even give her answer of why it was not done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ALLY FINANCIAL INC.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally Financial is the company I get the loan through for my vehicle. They started out by calling myself and the co-owner of my vehicle non stop. I asked them to remove all numbers and stop contacting us. They continued to anyway so we were forced to block them on our phones. Now they have taken it upon themselves to locate the phone number of my co-owners mother, whom we never provided a number for or authorized them to speak to. Last week I called them again and asked them not to contact anyone yet they keep calling her. They are speaking to her about my loan which she has nothing to do with. I need this collection practice to stop.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Im submitting this complaint against TRANSUNION due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. This company continues to electronically verify this " ghost '' account without providing any legally binding evidence, such a signed contract and a complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, this company refuses to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. Its causing me so enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Opportunity Financial, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Im in North Carolina and I was desperate when I took out the loan I didnt realize my interest rate was 160 % I think this is predatory please assist as I can no longer afford the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I initially contacted MOHELA on XX/XX/22 to receive reimbursement for my student loan payments made during forbearance. I was told my reimbursement would be received via direct deposit up to 30 days. Currently as of XX/XX/22 I have not received any deposit to reflect my request. 

I have been attempting to contact the servicer to request an update on this matter but customer service is unreachable due to unrealistic wait times. The call menu is a blockade of automated messages followed by confusing selections to be added to the waitlist of callers. Once added to the waitlist the wait times have been XXXX minutes or longer. I have had no ability to speak to a representative due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: GA
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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX  Balance : {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-09
Company: MedRecovery Solutions, LLC
State: GA
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/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from XXXX. XXXX for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from XXXX XXXX and MedRecovery. Med Recovery provided no proof of debt and XXXX XXXX indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that XXXX XXXX was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! Med Recovery hasn't provided any proof that this is my debt and XXXX XXXX typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue Med Recovery, XXXX XXXX, AND XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
I explained that I did not authorize the hard credit inquriy on XX/XX/XXXX from one main finincial. They said it went to the XXXX location branch bc it was closeest to me and then ran my credit report again!!! I want this taken off immediately they did not help me whatsoever

Company response to consumer: Closed with non-monetary relief