BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a call from CMRE attempting to collect a debt place with it by XXXX XXXX This was CMREs first contact with me. I stated I dont owe the debt, it was written off and I had proof. I was told CMRE doesnt verify debts, the debt is valid and placed with it in XX/XX/XXXX by the hospital. I asked the the debt be verified over the telephone that moment, and the staff person told me we dont verify debts I will mark it as disputed and she hung up. 

I followed up the phone call with a written request and a copy of the email indicating XXXX XXXX was writing off the debt in XX/XX/XXXX. I asked CMRE to verify and validate the debt as indicated in my correspondence. I made a second written request on XX/XX/XXXX. I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.

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 2021-03-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a credit card with XXXX XXXX XXXX. I settled that debt through XXXX XXXX XXXX in XXXX. At some point, XXXX. XXXX XXXX sold the debt to several debt collectors who have been harassing me and leaving threatening messages. The most recent one was threatening to garnish my tax returns. Previously they would continue to call and call me poor .... continue to harass me for being a loser and not being able to pay my bills. I keep blocking the numbers and asking them to stop calling me. Ive explained that Ive settled this debt. They keep using new numbers and becoming more threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I recently signed up for the Citi Premier card which offered XXXX Thank You points after spending {$4000.00}. After completing the spending requirement Citi told me I would not receive the bonus because I had closed an XXXX XXXX XXXX XXXX XXXX card in 2017. The terms of the offer had no mention of the XXXX XXXX XXXX XXXX XXXX   card affecting my eligibility for the bonus.

The offer stated : " Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months. '' https : //citicards.citi.com/XXXX XXXX XXXX XXXX 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 2021-03-01
Company: BARCLAYS BANK DELAWARE
State: NJ
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 found two hard inquires on my credit reports opened XX/XX/2021 that I did not apply for, XXXX XXXX XXXX XXXX XXXX XXXX/BrclybankofDE. I think someone stole my information and attempted to open accounts in my name. I have contacted both XXXX XXXX and XXXXr, they can not find the inquires and no one will answer at Barclay bank of DE. XXXX is sending me a letter with the information to call the company but I did not open any new accounts.

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 2018-03-06
Company: FIRST ADVANTAGE CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They reported an issue of Theft 2 which was dismissed due to being an untrue allegation by my ex. The company reported this as a conviction and it took weeks for them to correct, causing me to lose an employment oppertunity and damaged my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: D.B.F. COLLECTION CORP.
State: MA
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 am complaining cause DBF collect is reporting a collection on my credit report on behalf of XXXX XXXX. This was a result of someone stealing my identity I have filed a police report with my local police department. I tried to contact DBF collect but to no avail been able to resolve this matter. I am attaching a copy of my police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 

THE BELOW ACCOUNTS ARE REPORTING LATE PAYMENT HISTORY WHICH IS INCORRECT. I NEED THESE ACCOUNTS AMENDED TO NEVER LATE IMMEDIATELY.

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 2018-10-10
Company: ENCORE CAPITAL GROUP 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 status incorrect

Complaint:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Rewards

Complaint:
I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
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 monetary relief
Consumer complaint received 2019-06-11
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with Pentagon Federal Credit Union that was charged off a few years ago. A year or so after it was charged off, they sold or transferred the delinquent account to a third party. To this day, they are continuing to report a current balance on the account to the credit bureaus. According to Metro XXXX Reporting Guidelines, if they have sold or transferred an account to a third party, they have to report the balance on my credit reports as 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 2021-03-01
Company: FinCo Services Inc DBA Current
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 I received two unsolicited Debit Visa cards in two separate mailings from Current. I did NOT request these cards and have never had any account with them. The mailings included a card with a number to activate and NO explanation as to why I received the cards. I tried to call Current but you can only chat with them online. 

I am highly concerned that these cards were created as a result of identity theft and/or predatory credit mongering. 

I need assistance and direction as to how to deal with this situation. I DO NOT want these cards activated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I submitted a written dispute to Transunion on XX/XX/21 via certified mail. The dispute was indeed received and signed for by them on XX/XX/21. Not only was any of the information in the letter that I disputed, removed, or updated, I never received any letter from them regarding the disputed items. It has been 6 months and the disputed items still remain on my credit file, and still to date I haven't been contacted regarding my dispute. I have attached a copy of the dispute letter that was sent, as well as the Signature of receipt to this complaint.

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 2018-04-11
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a loan with the company called Upgrade. Initially they requested my XXXX which I was told that was all they required, I sent in. Then they requested my banking information along with my identification ( driver license ), I forwarded. Then over a week later I was asked for a picture id along with me holding the id and to take a picture with it next to my face. Before I can sent it, I had a call and message on my phone number that I had listed on my credit reports due to fraud. I did not have the same number on my application solely because I wanted to reassure that whatever organization in which I apply for credit would go according to protocol and contact me at the number listed on my credit file to verify my identity. Well, the gentleman XXXX called and left me a message to call back on my number XXXX and I did and again, I called him from the phone number listed on my credit report. Well, a few hours later, I received the letter via email saying I was denied as a result they could not prove my idenity, Well, I do not know what they based that off of. I sent all the documents they requested immediately, they contacted me on the number on my credit file and they just requested id with me holding the id next to my face and to take a pic and send it to them, which I did not have that opportunity which would have easily substantiated who I am and they still should accept that as proof. I did not submit as I just received the request but after receiving that request, they contacted me by phone, again, Upgrade contacted me on the number listed on my credit file for fraud, I requested to speak to someone other than the agent XXXX and spoke to someone by the name of XXXX who I thought would comprehend what I was saying but she did not. You have all my personal information which supports who I am and you did not give me the opportunity to submit a picture of me holding my id next to my face which was also proof of who I am. If you were not going to use my face pic holding my id, why would you even send that as an option. You just called me today ; however, I submitted my application about two weeks ago, so you could have did a phone verification initially credit pull and if you were not satisfied that it was me, it was no need to request all of my personal information you have and also request another picture id with me holding the picture next to my face. I can not believe a company would be so unfair. I went through all of this over two weeks, which the company indicates fast funding which is false, for this company to do this, this is extremely upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
I show a bankruptcy on my XXXX, XXXX and Experian credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2021-09-08
Company: EQUIFAX, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
I show a bankruptcy on my Equifax, XXXX and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: BRite Financial Services, Inc.
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Brite Financial phone lines have been down for months. There are no live agents available to take your call. My account is only 1 month behind as of XX/XX/18. The email suggests they are going to repo the vehicle. My car note is behind because I have to pay over {$700.00} in repairs. Vehicle has a check engine light and I will be unable to register plates. I responded to the threatening email and proposed a solution of $ XXXX/week to get lease caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: I.Q. DATA INTERNATIONAL, 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 status incorrect

Complaint:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have continued to see on my credit report an account with the company name 'PROF DEBT ' with a note that says original creditor was named 'XXXX XXXX  ' in the amount of {$2600.00}. It states this is an individual debt. 
I am not familiar with either of the names given nor do I have any negative account with this large of a balance. 
I have disputed this numerous times with all the credit bureaus yet the collection continues to stay on my credit report and will not be removed. 
I believe this is a significant infringement on the Fair Credit Reporting Act. I have yet to be provided any sort of verification of this debt and believe the company responsible for placing it on my record is doing so with the awareness of their fraudulent behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation