BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX XXXX XXXX affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and XXXX AND EXPERIAN OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!

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 2020-11-03
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i recently obtain a copy of my credit report and noticed and account i did not authorize. Credit collection services continue to violate my rights via fair debt collection practices act, i have enclosed a copy of my ftc report. This is my cease and desist letter. ALL communication with this company should stop .im am the original consumer ; also i have included and highlighted a list of violation each violation is XXXX. This exhibit along with my affidavit of truth will be mailed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I applied for a Citi Best Buy credit card back in XX/XX/XXXX and I was told that I have to go to a store with a picture ID and a credit card that I had open for a year and I show it to a store manager and I was approved with XXXX credit limit and my card was mailed .... and I access the website bestbuy.com.. and my card was canceled/shutdown for possible fraud and I havent use the card and never received it ... now I dont have patience for mails and I was told I failed the verification and I have to wait for a letter to be send to me in 7-10 days and Im considering closing this account if this keeps up ... I have a life and I need to work not sit around waiting for a letter to show up

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 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from TRANSUNION, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by TransUnion and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to TRANSUNION and XXXX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!

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 2018-07-03
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
To whom it may concern : On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Bank ) took me to small claims court and I won a judgment against them. I wrote a letter XX/XX/2018, requesting that they remove all negative items placed on my credit report due to the judgement received against them ... as they are in violation of the Fair Debt Collection Practices Act. They replied that they received the request and they checked with the original creditor and found that their information was correct and wouldn't remove the negative item from my credit profile. I won my case and do not owe the debt and they didn't not remove the derogatory information off of my credit profile. They are in direct violation of the FDCPA. 
I am including a copy of the judgement and response from XXXX XXXX as well as my letter I sent by certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. 

Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: MD
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:
XXXX  attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have both a checking and savings account with Citizens bank in XXXX XXXX, PA. On XX/XX/XXXX, a charge of {$320.00} was 'pending '. There were 4 other, much smaller charges cleared after that. I was charged a {$35.00} overdraft for all 4 of them, even though the funds were technically still in my account! On XX/XX/XXXX the {$320.00} cleared, and I was charged another {$35.00} overdraft fee for that item!! A bank can not charge me overdraft fees for items I have the money to cover, while withholding {$320.00}, then charge me an overdraft fee for that charge when it clears!! They had already " held '' and accounted for that transaction!! This is absolutely horrible business!!! I demand either the first 4 fees reversed, since the funds were technically still in my account to cover them, or at the very least, I demand the last fee reversed, the one charged for the {$320.00}! This is simply the worst business practice I've EVER witnessed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: TX
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:
There is an address on my account that does not belong to me.

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 2018-07-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX from OneMain Financial in XXXX, Kentucky has been asked several times to stop calling my place of employment and my personal cell phone. I have enrolled in a debt settlement program and they have also contacted him to stop communications with me that they handle the matter now. He went as far as coming to my home this Saturday XX/XX/XXXX around XXXX. My husband answered the door and told him I was not home but he kept insisting my husband was lying because there was XXXX vehicles in the driveway. He has since continued to call my phone 3 and 4 times a day as well as calling my place of employment at least twice a day if not 3 times some days. My boss has even asked the calls to stop at work but they continue! It is affecting my job now and this has gone to far!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I DISPUTED A ORDER IN XXXX WITH AN AMP AND SPEAKER BOX THAT I ORDERED AND NEVER RECEIVED. I FILED A POLICE REPORT FOR STOLEN PROPERTY EVEN THOUGH I CAN NOT PROVE THEY DELIVERED IT TO MY ADDRESS AND IF IT WAS I NEVER SEEN IT AND COMPANY THRU XXXX TOLD ME TO FILE A DISPUTE WITH MY CREDIT CARD FOR GOODS NOT RECEIVED AND NOW CAPITAL ONE HAS CHARGED THE XXXX BACK TO MY CARD. I DID NOT RECEIVE THIS ITEM, HAVE PROOF COMPANY TOLD ME TO FILE GOODS NOT RECEIVED AND FILED A POLICE REPORT. I HAVE HAD NOTHING BUT CONSTANT ISSUES WITH DISPUTES WITH THIS COMPANY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just got in the credit reporting of annual credit reporting service and found two credit bureaus of XXXX   and XXXX except Experian and also received those downloaded and saved PFD. There is no sign of what I have seen Experian itself provided via annual credit reporting but already checked out in Experian along with two of them. Therefore, I have determined filing a dispute as I request a complaint about missing one of those on the annual credit reporting. That is how I am affected if it may be caused a scam or disadvantaged offer without the indication of Experian. That is how I am concerned as long as I have to file a disputed complaint! 

Thank you for allowing me to stand up for my belief by not agreeing with annual credit reporting system!

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 2019-08-23
Company: BARCLAYS BANK DELAWARE
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip. 

After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well. 

Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel. 

After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge. 

I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours. 

I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.

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 2021-02-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have tried numerous times to have these incorrect information removed from my credit report. They have ignore my request for over a month now and have yet to send me the information I have requested in regard to the false reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Source Receivables Management LLC
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:
I was denied a loan and received a copy of my credit report. I realized I was a victim of identity theft so I contacted the police department. I disputed the information with the credit bureaus but they refuse to remove the items even though I have received letters from the creditors stating it was a mistake and will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: SUNTRUST BANKS, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for an Illinois Hardest Hit Fund. back in XX/XX/2019. IHDA submitted my file to Sun Trust Bank. It was submitted to Suntrust in the beginning of XXXX. Today is XX/XX/2019 and they have STILL not responded to IHDA in reference to my mortgage. 

My housing counselor and I called Suntrust on a 3 way call. The incredible part is NOBODY at SUNTRUST even knows what The Illinois Hardest Hit Fund, and they do not even know what the program is, and who to refer us to at the bank. 

They signed up and agreed to participate with the program, yet they are doing nothing about this.

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 2018-07-03
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have three promotional balances with XXXX 's XXXX. The promotional terms are 6 months, zero interest if paid in full. The first promotional balance was due to be paid in full on or before XX/XX/2018. The remaining balance, {$35.00}, was listed on the XXXX statement. I contacted Customer Service to inquire on the process to apply payment to the promotional balance. I was informed that I would need to make the minimum payment for the statement ( {$30.00} ) by the due date XX/XX/2018 and the remaining promotional payment amount ( {$35.00} ) by its due date, XX/XX/2018. I was further advised that I would need to contact Customer Service after the promotional balance payment to have the amount applied to the appropriate balance. I completed the three steps : -paid minimum statement balance by due date, paid promotional balance by due date and contacted Customer Service through the XXXX XXXX XXXX. XXXX, the card issuer, has now refused ( twice ) to apply the promotional payment. In addition, they have declined to provide my account details although I have requested confirmation in writing on three occasions. Instead, they send responses to me with the general policy for payments and balances. If the payment is not applied accurately, I will incur deferred interest charges. I have submitted the payments on time and am hoping to ensure the terms are honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: IL
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:
Viewed credit file through Equifax in reference to XXXX XXXX account showing charged off in the amount of {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called Navient on XX/XX/2018, to inquire about my account. I was about to make a payment of {$110.00} and noticed it defaulted. That was a surprise because about a month ago, XX/XX/2018, my husband and I called Navient to make a payment. 
The rep ( I'll call her XXXX ) told us paying {$110.00} would put the account in good standing. 
The rep I spoke to on XX/XX/2018 ( I'll call her XXXX ), informed me saying " Yes, it was in good standing ... for XX/XX/XXXX. '' In short, though XXXX told me the payment would be fine and my account wouldn't be in default ( we asked at least 3 times to be sure ), it went to XX/XX/XXXX. Three days later, explained XXXX, my account defaulted for nonpayment. I told XXXX that had I known this, I would've paid for both months. XXXX didn't look to see if the conversation I had with XXXX was documented, I asked and she didn't respond. The only solution XXXX gave was to put my account in deferment. I refused because I knew Navient would tack on the interest on the back end. 
With only that solution, I told XXXX I'll still make a payment. XXXX then stated, " for the record XXXX XXXX will make a payment {$110.00}. XXXX for XX/XX/XXXX. '' I stated, " no, for the record, this payment I make is for XX/XX/XXXX. '' I contacted Navient 's Customer Service Advocate, but I haven't heard from them. I received an email from Navient giving me alternative options if I'm having trouble paying. 
I know I've got to pay this loan back and I'm willing to do so, but I'm tired of Navient continually giving me a hard time. Whenever I speak to a Navient customer service rep, it's like they have several different departments because they seem to keep no documentation ( though I know they do ) of the previous conversation I had with one of their reps. I'm told one thing by Navient 's reps and believe everything to be fine, but when I see my account messed up, I'll call and it's like I might as well have called a different student loan servicing company. 
I want this matter corrected, preferably putting my account back in good standing and not showing that I'm a month behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i do not know dates except it showed up on my credit report and i have tried to communicate with the credit reporting agencies and the collection company that it was not mine with out success

Company response to consumer: Closed with explanation