BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2018-04-15
Company: URS Holding, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CHARLES SCHWAB CORPORATION, THE
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ThereisnoevidenceofthevalidityoftheXXXXtransactions.CharlesSchwabmadethisdecisionpurelyoncircumstantialevidence.ThevendorfortheXXXXchargecannotbecontactedtoprovideproofofthetransaction,suchasasignatureauthorizationonareceiptthereforethistransactionisunauthorizedandfraudulent.CharlesSchwabstaffpresumptuouslyallegedthiswasrelatedtoagentlemansclub.

AccordingtotheFederalTradeCommission,Ifsomeonemakesunauthorizedtransactionswithyourdebitcardnumber,butyourcardisnotlost,youarenotliableforthosetransactionsifyoureportthemwithin60daysofyourstatementbeingsenttoyou.

ItookallnecessaryactionpursuanttofederallawandCharlesSchwabpolicytocomplywithreportingandcontactedCharlesSchwabimmediatelyafteridentifyingtheidentitytheftandfraudulentactivity.CharlesSchwabhasaresponsibilitytoreplacethelostfunds.

XX/XX/2018XXXXXXXXXXXX,#XXXX{$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Bread Financial Holdings, Inc.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Since Wednesday, XX/XX/XXXX I have received repeated calls ( 16 of them ) listed as " Unknown '' or " No Caller ID. '' I answered once and heard silence on the other end of the line. I hung up. Today I received a voicemail message in which a voice said that the caller was named " XXXX XXXX '' and that he was demanding a call from me or my attorney about a credit card I have that is financed by Comenity Bank. He did not specify an amount or reason for the call. He implied in a threatening manner that I needed to contact him at XXXX extension XXXX. I XXXX the number and found that other consumers have been subject to harassment from this company. I checked Comenity 's website and my account is in good standing. I checked my credit report and there was no negative reporting from this company. I should not be receiving collections calls from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that 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 2019-03-20
Company: Experian Information Solutions Inc.
State: IN
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:
This is 2nd complaint. The credit co. Will not change my name to my correct legal name or remove addresses that are not mine. I have supplied soc. Sec card x 2 and state id x 2. These incorrect names need to be removed 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 2018-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Lincoln Educational Services Corporation
State: CT
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:
My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. 
Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. 
They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a  high rank I loan paid and satisfied only. 
Please look into this and have then straighten this out as they certainly must think I am still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: M&T BANK CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account online with M & T Bank on approximately XX/XX/2019. After going through the various information input screens the last was funding the account, the account required a {$50.00} initial deposit but I continued to get an error when putting in my information to fund the account both with a debit card or an ACH from another account. I waited the recommended 24 hours before trying to set up the online banking log in so that I could fund the account, I received multiple error messages here and was not allowed to enroll when using my account number and information to set up. The other option to enroll in online banking per the website was to enter your debit card number, I waited approximately a week to 10 days before receiving the debit card. I went online at that time to enroll in online banking and fund the account, again error messages and was not allowed to set up. The bank sent me a letter a few weeks after opening requesting that I mail them a copy of my social security card and proof of my residence with a bill in order to finalize opening my account and allow enrollment in online banking. I am absolutely not going to mail a copy of my social security number. I ignored the letter and gave up on attempting to fund or open this account, I started an account with XXXX XXXX XXXX instead. On XX/XX/XXXX I received a letter from M & T Bank showing my account balance as - {$14.00}. They were charging a monthly maintenance fee for the account I attempted to open and could never fund. I called customer service on XX/XX/2019 and spoke to the representative telling him the fact pattern above and requesting that he close the account, he responded that because it was an online account he couldn't close this out until I paid {$14.00} to bring the account to {$0.00} and then paid a {$50.00} early termination fee. I requested to speak with his manager. When I told the manager about the sequence of events above she said that because I had not mailed my social security card and proof of address they had not finalized opening my account, that is why I wasn't able to fund it or set up online banking. I asked her to close the account, she said she could not close the account because it had a negative balance of - {$14.00} which was the monthly maintenance fee and that there was an early termination fee as well of {$50.00}. I told her that I never funded the account, because they would not let me, I never spent a dollar or even activated the debit card, she said I would have to write a letter to her back office in order to close the account and that I would need to pay {$64.00}. To which I told her I will not be paying and I will be filing a complaint with the CFPB, she said go ahead, and so here I am.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: Experian Information Solutions Inc.
State: DE
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 contacted all 3 credit bureaus ( XXXX, Experian, and XXXX ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.

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 2018-04-19
Company: Specialized Loan Servicing Holdings LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were approved for a trial modification in XX/XX/XXXX with trial payments due for 3 months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each payment was sent certified and on time. We were then told the modification paperwork would be sent to us within 3 weeks. Despite several calls following up as to where the paperwork was as we hadn't received it in XXXX or XXXX, we were told to make " good faith payments '' on the first of the month. We paid these on time for XX/XX/XXXX-XX/XX/XXXX. We finally received the modification documents on XX/XX/XXXXXXXX by mail, but they had major print font errors in the deed of trust. Upon calling SLS, their service person faxed a corrected copy and I signed, notarized and mail it back the same day-XX/XX/XXXX in the envelope provided ( copy enclosed ) to SLS ' subsidiary-XXXX XXXX XXXX in XXXX, TX. I expected to receive a counter signed copy by an SLS representative within a week or two. After not receiving anything for 2 weeks, I started calling. I have spent over 2 hours on the phone, usually getting transferred 4-5 times and finding almost no one who has any idea when I will receive my counter signed copy back, but they keep asking for payments. They finally said in late XXXX call that my documents had been posted on their system on XX/XX/XXXX, but had no idea where they were in the process. 
On one of my calls after being transferred 4-5 times, one rep said the bankruptcy court needed to approve the modification first, and when I told him that was incorrect, that my bankruptcy case was closed over 18 months ago and I had submitted the judges finally signed decree to SLS and XXXX XXXX   XXXX multiple times proving that, he only argued with me and said he still needed approval. ( see judges signed order attached ) As of last week when I checked the Federal Pacer document tracking system, absolutely nothing had been filed since the case was closed ( and shouldn't have needed to be. ) On my last call I told them my local attorney has recommended that I not send any more payments until the counter-signed copy is received and also filed with our County Chancery Clerk 's office-which it had not been as of last week. 
That didn't seem to phase them one bit and I've heard nothing at all in XXXX ( except a notice that they are required by law effective XX/XX/XXXX to send me a statement every month, which they have not done! 

Help!!

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: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good Evening and how r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2018-04-19
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: IN
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 repeatedly notified the Credit Bureaus about an inaccurate collection account listed on my report. I have sent in documents showing the listing is invalid and inaccurate, however, the CB still refuses to remove the account in spite of the evidence provided. 
XXXX XXXX XXXX has listed a collection debt on my report for {$5000.00}, however, they are unable to provide me with a ledger showing that amount is owed. They did send a copy of my lease and a screen shot of a ledger balance " owed '', but nothing that describes the charges or the amounts allegedly owed. I've asked repeatedly for these from both the collection agency and the CB reporting the account- neither have provided any additional information. 
I feel as though I am being treated unfairly. Both the collection agency and the CB have a legal obligation to provide accurate information. If they can not do that, they can not legally list the information on my credit report.

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 2020-05-20
Company: SYNCHRONY FINANCIAL
State: NC
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:
Received an inquiry on a company that I did not authorize ; I did not understand that i was applying for credit with this provider.

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 2020-05-12
Company: ACS Education Services
State: CO
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 called XXXX yesterday and couldnt get any help on this. I think I reconsolidated my loan in XXXX with XXXX to apply for the loan forgiveness program. 

I borrowed about XXXX in the XXXX and started repaying the loan in XXXX. I consolidated with ACS in XXXX. At that time, the loan was XXXX. 

Now, I still owe XXXX. I dont understand why no principal has been paid down after 20 years of XXXX per month. 

I would like to get documents on the loan history. I am no longer a borrower in ACS now Conduent and so I cant ask them. Studentaid.gov told me you would have the documents even though you have only held the loan since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Between XX/XX/XXXX and XX/XX/XXXX I purchased using my Bank of America Travel Rewards credit card tokens from a XXXX company XXXX XXXX. I was supposed to receive this token on XX/XX/2018. I first spoke with them on XX/XX/XXXX and read a white paper in which they described the entire project, timelines and payments ( dividends ) Three transactions were made to purchase what were supposed to be tokens ( similar to shares ). Ever since I bought the tokens comunication with the merchant was difficult and almost impossible. On XX/XX/2018 I filled the first dispute with Bank Of America explaining everything and giving them all the evidence that the company was ignoring my petitions and that I allready knew that the merchant was in some kind of legal trouble. 

XX/XX/2018 - {$2000.00} USD XX/XX/2018- {$3700.00} USD XX/XX/2018- {$5000.00} USD

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 2018-04-19
Company: Wallace Management Company, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXX from Empire Finance in XXXX Mo., trespassed on my property and threatened to report me to XXXX XXXX XXXXXXXX for unearned income on XXXX18, for an amount that I borrowed for {$460.00}. They have also harassed my XXXX year old mother regarding my debt. It was so humiliating due to my roommate who was sitting on the couch that I ended up in the E.R. due to a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: TX
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:
In XX/XX/2018, I submitted a complaint to the CFPB against Account XXXX XXXX for an inaccurate, erroneous and unverifiable entry that was placed on my account. XXXX XXXX XXXX responded by stating that they were informing me that they were instructing the bureaus to DELETE THE ENTRY!! ( See attached ). To date, Equifax has not done so. Equifax needs to delete this entry and provide me a copy of my updated credit report that reflects the deletion.

Company response to consumer: Closed with explanation