BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: ASG Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is XXXX, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the XXXX XXXX XXXX XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.

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 2018-06-17
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A XXXX XXXX credit card service representative gave me false information about how the account effects my credit score, which resulted in my account being closed. Once I learned otherwise, I called to ask if the account could be reopened so I can improve my credit, and not only was I denied because they wanted to make me open a brand new account with a smaller credit line, but they changed my close date on the original account to the date of the phone call which added 4 years on to my credit report removal date. The credit company refuses to change it after several attempts being made through the 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent dispute letter to transunion asking for verification and validation. I have received my reports back and they did not prove the account is reporting correctly.I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.They is in violation of the FCRA.

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 2018-06-17
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On Thursday, XX/XX/XXXX, I decided to use Western Union to send an international money transfer for charity purposes. I proceeded to fill out the application online, which was somewhat difficult. I had messed up the name. Western Union would not fix the problem the first time I called on Thursday. I called back Thursday to cancel my transfer. The guy I spoke with stated he cancelled the transfer. Now, this morning I noticed it was not cancelled. I called once and got tired of waiting on hold for 25 mins. Then, called a second time to cancel my transaction. A XXXX, who I spoke with, said all I have to do is send my ID and my check/debit card to XXXX. I did as he said, and they still refused to refund my money! They said I need the receivers information. I'm trying to cancel my transaction not send the money anymore since I have been lied to twice by customer service, and that I messed up the name by putting two first names instead of last name. They still refused to refund my money. Each time I have spent on hold waiting, 20 to 25 mins only to hear false promises of refunding my money. The amount is XXXX and the transaction code is XXXX XXXX XXXX for Western Union to track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
US Bank on numerous occasions has adjusted and manipulated my transactions to gain more overdraft protection charges. When I called them out on it the first time and told them I had screenshots of the re-arrangements over 3 days they reversed it. The second time they charged 4x overdraft charges to my account while the account was still positive from the last business day. When I called the bank to resolve this error the excuse I was given was that your computer and her supervisor 's computer wouldn't reverse the overdraft charges. Here is a list of transactions and the balance that shows there should be no overdraft charges yet they refuse to return my money. 

XX/XX/XXXX Overdraft Paid Fee {$36.00} - {$110.00} XX/XX/XXXX Atm Fee XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} - {$81.00} XX/XX/XXXX Atm Withdrawal XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} - {$79.00} XX/XX/XXXX Recurring Debit Purchase XX/XX/XXXX card XXXX XXXX XXXX {$65.00} {$24.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX {$23.00} {$89.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$110.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$140.00} XX/XX/XXXX Electronic Deposit XXXX XXXX XXXX {$240.00} {$180.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX Az {$49.00} - {$55.00} XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX*XXXX  XXXX {$17.00} - {$5.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} {$12.00} XX/XX/XXXX Web Authorized XXXX XXXX {$110.00} {$48.00} XX/XX/XXXX Deposit View Image {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The XXXX XXXX XXXX, which put into law the suspension on federal studen loan payments and interest, was enacted in XX/XX/XXXX, and is still in effect. According to federal law, during the payment suspension period, the Department of Education and its loan servicers were required to report each month of suspended payments to credit bureaus as if it were a regularly scheduled payment made by a borrower. This suspension should have not have resulted in the negative impact on student borrowers ' credit scores. And yet I have evidence that AES/PHEAA has in fact reported my missing payments since XX/XX/XXXX as " past due '' to the credit bureaus, thus misreporting my student loan payment status, and tanked my credit score. I paid my student loans on an income-sensitive repayment plan, in full, on time, since the pandemic started but needed some financial relief beginning in XX/XX/XXXX when I lost a significant amount of unemployment relief. AES/PHEAA was aware of this, when I reapplied for an income-sensitive repayment, and raised my payment amount. I was unable to make those payments. I have recently been able to pay them some money towards my " outstanding balance, '' in an effort to raise my credit score back to where it belongs and where it should have been if AES/PHEAA had not, either mistakenly or deliberately, misreported my student loan payment status to the credit bureau. It is heinous that keeps happening to student borrowers, but especially during a pandemic and financial crisis where people are still suffering significantly from a year of reduced income, unemployment, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-07
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:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Bread Financial Holdings, Inc.
State: CA
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:
I applied for a XXXX XXXX XXXX issued by XXXX XXXX XXXX on XXXX XXXX and my application wasn't approved due to a freeze on my XXXX  report. My application ID is XXXX. 

I am very disappointed regarding this because the second I submitted my application I got a notification that XXXX XXXX XXXX pulled my XXXX credit report. 

The letter doesn't mention anything about the bank performing a hard pull on my report even though it did happen which is more than enough to view my credit history and credit score to evaluate an application.

Most banks whenever they have issues processing an application they contact the applicant and keep the application open for at least 30 days to be able to finalize it.But XXXX XXXX XXXX  just wants me to apply again after unfreezing XXXX   report so that they ding my XXXX  report again!!

My complain is that my XXXX report was pulled and my application was never evaluated based on that pulled report.

I tried to contact XXXX XXXX XXXX customer service about this but got a rehearsed response that I need to apply again after 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: National Credit Systems,Inc.
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT DISPUTED DOES NOT BELONG TO ME, PLEASE UPDATE YOUR CREDIT REPORTING FOR IT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2017 XXXX XXXX XXXX XXXX at machine try to withdraw {$500.00}. the transaction was cancel due to NO money came out I want inside to register and ask how much can I with draw she stated {$50.00} I was no please so I purchase something for XXXX and as you can see it was $ XXXX.see attached document. The next morning went to bank to get XXXX for my rent was told insufficient funds at the time I got on the phone with fraud department they credit the {$500.00} to my account. On XX/XX/XXXX they took the money back because the vendor atm machine balance I took they they need to pull the camera/video due to the money never came out!! They tells me the cant because it not there machine I will need to get police report. I just don't understand why I have to do this because I have fraud protection on my account. I just want Bank to do there job get the camera footage and credit my account of {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax XXXX XXXX XXXX XXXX XXXX were all supposed to send free credit reports to me! 
Equifax sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! 
The Letter was opened by another person in my family who has the same last name as me! 
Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do! 
For a lot of reasons! 
For other people - it could have been a lot worse! 
XXXX XXXX XXXX XXXXreports have still NOT arrived!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureaus reporting is XXXX, TransUnion, and XXXX. Thank 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 non-monetary relief
Consumer complaint received 2018-06-17
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am an alleged cosigner to a student loan that I neither agreed to sign or signed. The loan was opened with Navient in XX/XX/XXXX for an amount of {$25000.00} and today, after what seem to be one apparent deferment after another, the loan amount now stands at {$40000.00}. I have tried unsuccessfully for five years to inform Navient that I did not agree to cosign this loan and any signature that they have with my name was forged. Navient informed me that they couldn't help me and that my only option was to file a criminal case for forgery against the borrower. They threatened to report my credit report and under duress I made two payments in a short term attempt to keep my report in tact, while I was going through the process of buying a new home. 
On XX/XX/XXXX I reached out to Navient by email to once again assert my defense that I did not sign for the loan in question. On XX/XX/XXXX I received a response from XXXX XXXX stating that Navient was unable to assist me by email but they would be happy to assist me over the phone if I called the number that was provided. I did not call and on XX/XX/XXXX, the account was reported against my credit and my fico score dropped 41 points on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is XXXX XXXX XXXX. They call repeatedly, but there is never anyone on the line, so I can not ask them to stop calling. I have no outstanding debt, and should not be receiving any collection calls. I work nights, and the calls are always when I am sleeping. I want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: BB&T CORPORATION
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:
The company XXXX XXXX or XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on my XXXX report on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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 2020-05-22
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I dont know what this debt is and it was reported on my credit report without letting me dispute it. The only bill I got from XXXX XXXX XXXX  was for XXXX not XXXX. I dont know why it would be increased to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There's an unknown account reporting on my credit file inwhich i have no knowledge of. In the past this has been an issue after my identity was lost and unfortunately compromised. I've reported such to the 3 major credit reporting agencies many months ago. Therefore, I'm demanding the immediate removal of this unauthorized account. Please block this account. 

1. XXXX {$190.00}

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 2018-11-21
Company: EQUIFAX, INC.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Southern Auto Finance Co
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:
The company SAFCO appeared on my XXXX credit report on XX/XX/2017. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: AR
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:
Citibank is reporting a dispute on my credit report that should not be present. I have asked Citibank to delete the dispute comment and I have asked all credit reporting agencies to remove the dispute. I have asked Citibank to remove the dispute comments. Neither entity will update my credit report comments. Please remove the dispute comments, I am not disputing 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