BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-20
Company: GreenSky, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
SOMETHING IS SERIOUSLY WRONG WITH GREENSKY. I HAVE MADE THREE PAYMENTS WITH THREE DIFFERENT CONFIRMATION NUMBERS AND ALL ARE REFUSING TO POST TO CONTINUALLY TEXT AND EMAIL ME WITH HARASSING AND THREATENING WITH BAD CREDIT. ALL NEED TO DO THEIR JOB AND STOP HARASSING AND THREATENING ME. STOP TEXTING AND EMAILING ME WITH THEIR STUPIDITY. THEY NEED TO CHECK THEIR PHONE RECORDS AND POST THE PAYMENTS. THEY NEED TO DO THEIR JOB OR GET SOMEONE THAT IS CAPABLE. IT STATED THAT IT COULDNT FIND MY ACCOUNT BUT IT CAN CONTINUALLY TEXT AND EMAIL ME WITH THE INFORMATION ON THE ACCOUNT. I HAVE PAD THREE PAYMENTS WITH TWO BEING PAID BEFORE THE DUE DATE. I AM NOT BEHIND. I AM AHEAD WITH TWO PAYMENTS. SO, NEED TO POST THE PAYMENTS AND STOP HARASSING AND THREATENING ME. STOP CONTACTING ME WITH ITS INCOMPETENCE AND GET SOMEONE WHO KNOWS HOW TO POST PAYMENTS TO MY ACCOUNT. IT NEED JUST CHECK ITS PHONE RECORDS AND POST THE PAYMENTS THAT IT AS REFUSED TO DO. IF YOU CAN CONTACT ME YOU CAN POST TO MY ACCOUNT THAT IS WHERE YOU GOT THE CONTACT INFORMATION. JUST GET SOMEONE TO DO THEIR JOB AND STOP HARASSING ME. THE CONFIRMATION NUMBERS ARE XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. MY PAYMENT HAS NOT BEEN BEHIND BUT AHEAD. IT JUST WANTS TO HARASS AND THREATEN ME WITH BAD CREDIT. EMAILING AND TEXTING ME SAYING IT COULDNT FIND MY ACCOUNT FOR THE REASON IT COULDNT POST MY FIRST PAYMENT. YET, IT IS USING INFORMATION IN THE ACCOUNT TO CONTACT ME. AFTER BRINGING THIS TO ITS ATTENTION THEN IT TRIED TO BLAME IT ON MY BANK INSTEAD OF JUST DOING ITS JOB OR GETING SOME ONE ELSE TO POST THE TRANSACTIONS TO MY ACCOUNT.I AM TWO PAYMENTS AHEAD. I AM NOT BEHIND. I AM WARNING EVERYONE I KNOW NOT TO DEAL WITH GREENSKY, ITS PARENT COMPANY AND XXXX HOMES. ONE THING FOR SURE THERE WILL BE NO REFERALS FROM ME. NOW, IT NEEDS TO STOP HARASSING AND THREATENING ME WITH BAD CREDIT. 
THANK YOU,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
TORRID COMENITY XX/XX/XXXX payment {$38.00} XXXX {$2.00} payment XX/XX/XXXX payment of {$5.00} Every time I call and request to cancel the card and every time Im told it is cancelled but that Ive accrued a dollar or two of interest so every time I pay it and every month I get another bill. Cancel my card or I will take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XXXX XXXX XXXX SS # : XXXX XXXX # XXXX Add : XXXX XXXX XXXX, XXXX, FL, XXXX Last year I froze my experian credit bureau, I thought I had a fraud problem. I removed the hold approximately 2 months later. I was charged one month which I was not aware of and was not charged by the other bureau 's. My complaint is even though I removed my hold ( and the fact that I have not been charged since then indicates they removed the hold ), when I applied for a credit card my experian account was locked so the credit card company can not approve my card. I have been trying for over a week to get through to experian and can not, all I get is a computerized runaround. The computer wants me to supply numbers they gave me to lock the account. I threw these numbers away when I unlocked the account. The other bureau 's are no problem. In short you can't talk to a human and the computerized responses are not adequate. I need my account unlocked!

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 2018-04-27
Company: Amsher Collection Services, Inc.
State: MD
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:
I have no knowledge of who this company is or what this debt is. I have never received a letter or a telephone call from this company that I owed this debt or that it was being reported to the credit bureaus which is a violation of FDCPA 809 ( a ). This debt just popped up on my XXXX and XXXX  credit reports. I was never given the right to dispute it or validate it or anything. Therefore I am requesting that it be removed from both of my credit files immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the following inquiries are a result of identity theft : XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDITOR TYPE Bank XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX XXXX Inquiry Date : XX/XX/2020 Phone # : ( XXXX ) XXXX Please remove inquiries from my credit report because these are not mine.

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 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2021-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ACIMA CREDIT, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2021-05-06
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:
After reviewing my credit report I found numerous items listed that are erroneous and in accurate, and is causing serious negative impact on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are approximitly 10 collection accounts with Amerifinancial Solutions which are not mine. The responsible party is the North Carolina Department of Public Safety XXXX XXXX XXXX XXXX. These bills were incurred while I was XXXX. You may contact the North Carolina Department of Public Safety,  XXXX XXXX, Acting Controller for NCDPS  and she will tell you I am not responsible and tell you how to get paid by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
chase has negligently, fraudulently and maliciously sent out cashiers checks in my address and account number to a person I have never heard of. 

This game chase has been playing has been going on for 4 months now,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-02
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:
Hello, On X/XX/2017 I called and documented a phone conversation with my student loan service, Navient. I was inquiring about repayment options as the current payment has not seemed to reduce the over balance at all. Also, I have been paying diligently for the past 10 years and myself and cosigner have hit a point in our lives where we can no longer afford to pay the required amount each month. I was told there are no option available to me until my loans have been defaulted. Only then would they negotiate a settlement. This is not a reasonable option as it will negatively impact my credit score. So it seems, 1. I can not lower by balance making the current payment 2. I have to go into default to receive any option for settlement or reduced payment Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo customer may be victim of surprise overdraft fees

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 2019-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Monthly charges ( {$17.00} ; CA XXXX ) for services no longer rendered more than 13 months incorrect billing I reached out to Experian in XX/XX/XXXX and they advised they were unable to locate an account under my name and account reference as it appears on my credit card statement ; however, Experian will not stop billing. In XXXX Experian began charging {$19.00} under the same reference number on my statement and no matter what I do in raising the issue with the firm, I am unable to get it resolved.

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 2018-04-27
Company: JPMORGAN CHASE & CO.
State: NM
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:
Chase card services closed my account because of recent transactions on other cards. I have almost maxed out a few of my cards ( recently married ). I have never been late with a payment, i have never missed a payment and my credit score is considerable higher then when i began using their services. I also was never informed of the accounts closure, i found out about it when i logged on to review my account ( which i do monthly with all accounts ). 

This entire process has been very annoying! Now i am paying high interest for a card i can no longer use as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2019 - An account fraudulently opened by someone who used my identity with Bank of the West. 
XXXX - XXXX - Several communications between me and the bank of the west branch as well as customer support center to clarify that I did not open an account. 
- Bank of the West team telling me they are unable to close this account. 
- Now I am getting repeated notification from the back indicating they are deducting charges for maintenance and paper statement of the account from the balance that was fraudulently used to create the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: TrueAccord Corp.
State: PA
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:
I have received 4 emails from the collection company called trueaccord. This company has not sent me out an initial letter alerting me to my rights to dispute or validate the debt. It seems with them sending emails, theyre skipping over my rights to request theyre even authorized to collect on this alleged debt. I responded to their email after I got the 3rd one on XX/XX/19 requesting they first send out the initial letter so I can request validation. No where in the email does it state I have the right to request validation. Tonight I received another email stating I owe money and they will work out a payment plan. Once again Im not even sure what alleged debt this is and once again they have not given me notice of my rights to request validation. This is incredibly unprofessional and borderline against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new Citibank checking account and deposited the $ XXXX required within the 60 days, then waited 90 days and never received the {$500.00} bonus. I contacted Citibank through their phone system and got nowhere, so I closed my account and used their chat service. I was told that I have met all requirements to receive the {$500.00} bonus, yet never received 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 2020-08-23
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX   deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX   and XXXX on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.

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 2019-05-28
Company: Credit Technology, 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:
XXXX/2018 there was a fraud alert received from my credit report per my free credit check with XXXX XXXX XXXX. 
XXXX/2018 new credit inquiry from XXXX XXXX ( Type of Industry : Bank Address : XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX/2018 - new credit inquiry from XXXX XXXX XXXX ( Type of Industry : Miscellaneous Address : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX CA XXXX Phone Number : ( undefined ) undefined ) I would like to report these two and flag them as credit inquiries I did not request as I do not remember or recall approving or requesting these credit inquiries.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: NY
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:
Date of Application XX/XX/2019 This letter is regarding account # XXXX, which Wells Fargo claim DENIED APPROVAL FOR CREDIT CARD. This is a formal notice that your claim is disputed. Allegation of late payment reported on credit file. XXXX Credit report have 1 delinquent payment that does not exist. Plain English ; The link stating late payment, when clicked comes-up 0 late payments.

Not enough credit cards accounts paid ; all credit cards are paid monthly ; on time.

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 2018-09-28
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: Their investigation did not fix an error on your report

Complaint:
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. Transunion, XXXX and XXXX   insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.

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