BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-27
Company: ASTA FUNDING INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
there is company palisiades collections that is trying to sue me, for a debt that is 14 years old. sent a judgement to fill out papers to garnish. I have not heard from the original creditor since XX/XX/XXXX. and then a judgement to garnish was sent to the wrong address my parents address. I know there is a statute of limitations. but isn't this a 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 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened an Advantage Plus Checking Account and Advantage Savings Account at Bank of America. On XX/XX/XXXX, I was trying to request a transfer of funds ( {$10000.00} USD ) from my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account. I am the owner of my XXXX XXXX  XXXX XXXX XXXX account, and I had sufficient funds to be transferred when I requested. In addition, I have also successfully linked my XXXX XXXX  XXXX XXXX XXXX account to the Bank of America account prior to the transfer. 

On XX/XX/XXXX, I found out that my Bank of America account was closed by Bank of America, and Bank of America did not notice me about the closure nor provide any reasons on why the account was closed. 

I then requested a consumer report from XXXX XXXX XXXX, the report indicates that the account was closed due to fraud. I requested investigation on this case through XXXX XXXX XXXX, as I disagree with the information in my consumer report file. 

On XX/XX/XXXX, XXXX XXXX XXXX mailed me the investigation results that the information in my consumer report file is accurate and complete. 

After speaking with Bank of America Client Protection center in XXXX, XXXX, I was informed that the reason for account closure was because Bank of America thought that I was requesting a transfer from third party instead of my own account, therefore, Bank of America is seeking proof that I am the owner of the XXXX XXXX XXXX  XXXX XXXX XXXX account. 

I then submitted a reinvestigation request to XXXX XXXX XXXX  including a letter of proof from my XXXX XXXX  XXXX XXXX XXXX XXXX, which confirmed my account ownership and my good standing with the XXXX XXXX  XXXX XXXX XXXX XXXX, along with my XXXX XXXX  XXXX XXXX XXXX account bank statement with the fund transfer history. 

On XXXX, XXXX, XXXX, XXXX XXXX XXXX mailed me the reinvestigation results that the information in my consumer report file is accurate and complete, which I disagree as I did not commit to any fraudulent activities.

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 2018-03-01
Company: Rosebud Economic Development Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I last spoke to them on XX/XX/2018. I am trying to contact them to payoff the loan. I have called, no answer, and their website is down.I donot want to be charged extra fees. I have tried for 3 days. XXXX XXXX. is where I went online.

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 2020-05-29
Company: Experian Information Solutions Inc.
State: TN
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2018-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX is reporting 30,60 days late in which is incorrect and I have disputed and I also have asked to see and or know the method of verification and the description of the procedure used to determine the accuracy and completeness of the information with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and I keep getting back that it has been verified but they have not provided me with any proof as I have asked as I know it is incorrect. Equifax also is reporting this account open when this account has been closed since XX/XX/2017

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 2020-05-27
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I just received an email from Comenity ( the servicer for my XXXX  XXXX  credit card ) threatening to cancel my card and report the cancellation to credit bureaus if I do not make a purchase by XX/XX/XXXX, since I have not made a purchase since XX/XX/XXXX. I understand their right to close my credit account, but the tone of this communication is very threatening. I called Comenity and closed my account, but I am very disappointed in these tactics, especially in this time of economic downturn. 

Excerpt from email : Keep your XXXX XXXX Credit Card from being closed with only one purchase. 
Were Comenity Bank and we handle everything related to your XXXX XXXX Credit Card account. 

You may not realize it, but your XXXX XXXX Credit Card account hasnt been used since XX/XX/XXXX. Thats why were planning to close your account on XX/XX/XXXX. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSWORLD SYSTEMS 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 got a phone call saying I owed over {$400.00} in debt for back tolls which I do not owe and I do have XXXX XXXX It was a local call supposedly as same area code as mine. 
I couldnt understand what company she supposedly represented as I was disgusted and ended the call after saying not me. I then called back and got the name of the company. After some questions the explanation I got was there were so many with my name its likely not me. Their number is .... 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2019, I tried to call my bank ( Bank of America ) to request they give a new card because I stupidly made the mistake of sharing my information with a guy so he can deposit money. I called the bank at least 7 times and they only picked up twice. I am XXXX years old and open the account with an adult after I recieved my first card a app charged me multiple times so the bank send a new one, the second time was for the same reason. I literally just got this card and I put XXXX dollars in it because my account had been below XXXX because I'm out of a job. So those could be the reasons but they wouldn't tell me. Now I previously said I shared my information so someone I know can make a deposit but was smart and sent my XXXX $ to my friend just in case this person was a scam. When I realized that said person was causing me trouble that's when I called and found out my account was close. Which sucks because Bank Of America is my favorite bank and i wanted to be with them forever. I want to reopen my account and change my information so this person doesnt have access to it but I cant do that unless the bank reopens 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 2022-01-24
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Prestige Financial calls and texts at the same time. They should either call or text. When their call comes in, it's always from a number that isn't theirs. However, as soon as they call, a text from Prestige will appear, in the middle of them calling me. When they do text, they send some long text wanting reasons why I can't pay and to set up an arrangement. They even text me two-three days before my payment is due to set up the next payment! I'm going through XXXX right now, and I'm still working. They'll get the money when they get it. Also, they call and text my husband the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is being reported as closed by consumer. However, this account is " open '' and has never been late. This account is also being reported as derogatory. This account should be displayed as open and current.

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 2018-07-18
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
filed a dispute with XXXX  with one company called XXXX 's that was supposed to be in a listed in chapter XXXX case with it being discharge date XX/XX/XXXX and I noticed that it was reopen up till past that year like it was in use XX/XX/XXXX-XX/XX/XXXX. XXXX  did and investigation for quite some time then about received a letter and on line through my email XXXX that removed the 3 XXXX 's that were on bankruptcy were totally deleted from my credit report but today I notice today XX/XX/XXXX I went and checked in the inquiries and that it is still listed on my credit report, so I was falsely was mislead saying it was completely off my credit report completely. I want to do what ever you can do to do to make this up to me. Heres a copy of that inquiry XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2020-09-18
Company: Forthright Funding Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Forthright Funding continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " URGENT VETERANS AFFAIR INFORMATION '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

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 2019-10-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Citi Secured Card Never reported to My Credit Report when its suppose to Help Build Credit Under the Fair Credit Reporting Act If A Company has A Agreement which states they will report to the bureaus They Must do so And This could fall under False Advertisement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 ex husband got a house with me in my name then he physically abused me and I moved out and filed for divorce and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your 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 2018-04-22
Company: Experian Information Solutions 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 disputed negative information on my credit report from XXXX XXXX XXXX 's Account number XXXX with Experian several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to Experian on three separate occasions via certified mail. I am requesting that Experian to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off Experian clearly ignoring federal law.

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 2020-05-29
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have a car loan from WELLS FARGO DEALER SVC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO DEALER SVC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO DEALER SVC with no successful resolution. XXXX, XXXX, and XXXXXXXX   reporting me 30 days late in XX/XX/XXXX, XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late on those dates.

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 2019-02-27
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My daughter and her boyfriend got an auto loan through XXXX XXXX XXXX. The company call them over every little thing they can create. They are nor have they been late on a payment. 
The problem is whenever they call my daughter, they also call our business cell phone, which we let my daughter use for a reference only. I instructed my wife to track every time they call. Today they called and my wife instructed them to take note and never call this number again. An hour and a half layer they called again because they wanted to get ahold of my daughter and she didn't answer. 
I called the company and asked who their agent for service was. The lady ( XXXX ) had no idea what that was. I explained what it was and she put me on hold for a moment. When she got back on she said the lady 's name I want is XXXX. I asked for a last name and she refused. I asked her name and she told me her first name but refused her last name and hung up on me. 
This is unacceptable behavior and harassment and I will not tolerate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I obtained an Amazon Store Card through Synchrony Bank in XX/XX/XXXX. During that time we used the card to purchased high ticketed items during our renovations ( sinks, faucets etc.. ). Recently, we noticed a transaction charge for card security of {$120.00}. I did not know what this was. I called the number on my bill and i was informed that I needed to call the card security service directly. The number was provided on my statement. When i called card security, they were very receptive and explained to me that I have been charged for this service since XX/XX/XXXX. I explained that i was not aware of the service and that I did not sign up for the service. I also asked how this was presented during the application process and if it was represented clearly, i would not have agreed to it. The representative immediately reversed the charges going back to XX/XX/XXXXand it was a little over {$2000.00} credited within a week. She provided me with a case number of XXXX.

I realized that since XX/XX/XXXX i have been paying finance charges to Synchrony Bank for the charges from card security. I contacted Synchrony Bank and explained the situation. I spoke to two representatives who did not understand the over all situation.

Since XX/XX/XXXX, I have been charged financed charges of 27.99 % for this transaction. I explained that this should be reversed. I also explained that I do not challenge the interest rate, but I challenge the finance charged on this transaction that should not have been charged to begin with. 

Operator # XXXX ( XXXX ) could only credit me back 2 months of interest rate charges. I explained to her that i have been charged more. Unfortunately she was not able to calculate the errors nor was she willing to go back and investigate. I clearly explained that their third party vendor made an error and already processed a credit resolution but since they are the creditor, they should be able to go back and investigate the error.

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 2019-02-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and found the trade line from Midland Funding on behalf of XXXX for {$260.00}. For one, Midland is not licensed to collect debt in the state of Florida. For two, I have tried to contact Midland and XXXX XXXX for debt verification but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Northstar Location Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today XX/XX/XXXX North Star location services called my parents house. They are calling on behalf of XXXX XXXX  who has my information but they did not call me. They are reaching out to family that I do not live with. They harassing my family and harassing me. They are giving out my information. Phone number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation