BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: PDQ Check Exchange LC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company : Mr Money Payday Loans I got an installment loan around XX/XX/XXXX or XX/XX/2019. Originally I had planned to pay the loan back early to avoid all the high interest accruing, but because I have medical issues and unpaid medical leave away from work, I have had a reduction in pay and I am unable to make the payments to this company. I have explained my situation to the company, but we were not able to come to a resolution. I explained that I needed some time to pay or to try to come up with an arrangement to stop the interest from accruing while I pay the balance down. I was advised that there is nothing that can be done unless I pay the balance in full. I explained that because of the time away from work, I am not able to make the i weekly payments, let alone pay the loan in full. they were able to give me a payment agreement, but the new payments are more than what was originally given because I had defaulted and couldn't pay. I have now been advised that if I miss ANY payment or am even ONE DAY LATE, I will get summoned to court for judgment. I can not afford to pay this loan at all because I have other bills that are more important ( rent, utilities, car payment, car ins, food, etc. ). 

I want to find a resolution, but I am very afraid that this will soon go to collection and will be added to my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
On X/X/2017 I submitted a complaint about a charge on my card totaling $ XXXX and amex responded that they are not willing to give me the bonus points for signing up for the card. However they also said they are not willing to refund the $ XXXX debited to my card for amex travel being that these flight were already takes. THIS IS 100 % NOT TRUE. the $ XXXX for flights booked with amex travel on XX/XX/XXXX were cancelled by the fraud prevention team and we never took those flights. Just lookup the PNR confirmation number. We are therefore are still owed the $ XXXX on the card XXXX2017* AMEX TRAVEL PURCHASE WITH MR POINTS {$22000.00} Doing business as : XXXX XXXX XXXX XXXX Reference : XXXX Category : Other - Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On or about XXXX XXXX I set up auto pay for my Bank Of America credit card. All payments were made and came out on time until I got a call in XXXX saying that I was 30 days late for a payment. I questioned why the payment was not automatically taken out since the funds were in my account. I was told that I was set up on " scheduled payments '' and not autopay. I immediately paid the entire amount due followed by setting up true autopay. After about another week I paid the balance in full. 
Bank of America reported this to the credit bureau which I was not aware of until much later. 
On or about XX/XX/XXXX I disputed this through XXXX XXXX and also with BOA to rectify the situation as it was not my fault this payment was late. Had the bank taken the payment or notified me sooner that they did not take the payment automatically I would have corrected this issue immediately. 
It is also my understanding that due to the XXXX  ( XXXX   XXXX XXXX XXXX ) that if I am on XXXX XXXX orders then they can not default or negatively report to any agency. I am a Missouri XXXX XXXX member and I am on active XXXX orders ( which can be provided ). I was on these orders at the time of this incident, and I remain on these orders still.

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 2018-02-18
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at Navy Federal for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are three accounts on my credit reports that are not mine they do not belong to me in any way and I have tried to solve this with the credit bureaus and they are not helping 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 2020-05-19
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute letter in regards to the incorrect items on my credit Report. Its been a week over 30 days and i have not received any information.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion dropped my credit score due to being added as a authorized user. The account has XXXX balance when reported to transunion AND has no negative history.

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 2017-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifiy these accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' .... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On or about XX/XX/2018, XXXX XXXX XXXX placed a fraudulent account on my credit reports with XXXX, Transunion and XXXX. I immediately filed disputes with each respective agency that the account is fraud. XXXX removed the account within two days. XXXX and Transunion have yet to respond or remove the account from my credit reports. This account has in the past been disputed and proven to be fraud, and XXXX, Transunion and XXXX are in violation of the FDCPA by allowing it to be repeatedly placed on my credit report by various different collection agencies who are selling it to one another and by not immediately removing it from my reports. Likewise, they are in violation of the FDCPA by not adjusting my scores accordingly once the fraudulent account is removed from my reports.

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 2018-02-18
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
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:
I had a XXXX card that has not had any activity before XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX my loan was sold from XXXX XXXX ( XXXX ) to NationStar/Mr. Cooper. Mr. Cooper sent me a letter letting me know they were my new lenders & to please call them in order to start making payments. I called them to do so & " they '' said they couldn't accept payments because the previous company, XXXX, was under a Class Action Suit & because of that " they '' couldn't accept my payments. My attorney had asked me to ask them since they should've still be able to accept payments. I offered to pay them ALL of the payments that XXXX refused to accept since they were being sued. I told them I had ALL of my payments, yet THEY ( Mr. Cooper ) still refused to accept payments until the case was resolved.  Because of that they decided to mark me 180 days from XX/XX/XXXX - XX/XX/XXXX. I sold my house in XX/XX/XXXX & they got all their payments so I am still confused as to how they can mark me as such. I have asked them to change this & they still have not. Is there anything you all can do? Pls help since none of this was my fault & it was them ( Mr. Cooper ) who ultimately refused to take my payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX., I applied for a credit card from CITI Card ( Application ID XXXX and was rejected because of an incomplete application ) proceeded to remove a freeze I had placed on my information and called the credit card Co. , then they procured the the credit report. Credit report showing a Beacon Score of XXXX. 
Baffled by a new rejection called and I was told that I had been late on payments on the year 2000. 
I don't remember being late but since then CITI Card has issued 3 credit cards to my name and these credit cards are paid in full upon statement date required, so it makes no sence, also aren't they to take into consideration only 7 years? 
It is impossible to talk to a human being.

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 2018-02-20
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Ive disputed four accounts with this company and they refuse to delete incorrect accounts. Ive even provided letters of deletion to the credit bureau advising to delete info and they refuse to cooperate

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I disputed errors on my credit reports in XX/XX/2020. I sent letters explaining the errors to Transunion, XXXX, and transunion. I have not gotten a response in over 30 days from either company. I am aware that under the fair credit reporting act that these companies have 30 days from the date they receive my dispute to validate any inaccuracies on my credit reports. These unverified accounts are preventing me from funding that would help my business prosper.

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 2021-02-08
Company: Aqua Finance, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, AQUA FINANCE Inquiry : XX/XX/2020, XXXX XXXX XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
ok and thank you-i applied for a credit card through XXXX XXXX for a capital one credit card to help me with getting my credit restored. Its is not XXXX XXXX who is the problem but Capital One-OK they gave me a credit card in XX/XX/2020 for {$300.00} and they said if I am faithful in using my credit wisely and paying on time i will get more credit at the end of 3 months. at the end of there time line they said i am doing great they gave me now a {$500.00} credit with a 24 point boost with XXXX. A couple of weeks ago i used my credit on purpose with the intent of paying them before the Auto deduction from my bank acct. That's what you are suppose to do use the card and the credit they gave you and pay them back immediately which will show the Lenders that I CAN BE TRUSTED. " Well they did not like me using {$110.00} of my {$500.00} and they decided to take away 14 points from me. O they gave me reasons of which i don't understand a lot of double talk. I AM TRYING TO BUILD MY CREDIT NOT KNOCK IT DOWN BY BEING FAITHFULL AND HONEST WITH THE LENDERS. WITH THIS CREDIT REPAIR SYSTEM YOU WILL NOT WIN BUT LOSE AND THEY WILL DESTROY YOUR CREDIT AND BEFORE I CAN MOVE ON AS I SEE THE " light '' THEY ARE SHOWING I NEED THIS FIXED. 
The credit card company is Capital One -- associated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been applying for IDR plan for months and getting denied. I have a household size XXXX, and my husband and I are both unemployed and they are trying to make me pay {$470.00} a month that I can not afford. Ive submitted documentation several times and they have yet to lower my payments and deny me. They have predatory lending practices and FedLoan Servicing Inc. Ive gone into foreclosure and had my vehicle repossessed and submitted documentation they say they never received and still wont lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/XXXX two family members, two friends were contacted about my credit debit. However I was not contacted. 
XX/XX/XXXX- offered to make payment of {$80.00} on XX/XX/XXXX XX/XX/XXXX was told I refused to make payment on XX/XX/XXXX even though I stated during the phone call I agreed to make payment on XX/XX/XXXX and was told I would be taken to jail and sued by their attorney if I didnt pay in full. Then got hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new Citibank Regular Checking account on XX/XX/2020 and provided opening funding of {$15000.00} from my XXXX XXXX XXXX checking account. Almost immediately, and before I took any other actions, Citibank froze my account and sent notice via the online portal that my account was to be closed. 

Citibank would not send the money back into XXXX  XXXX XXXX or provide any other avenue for me to get my money back. I was told at one point to XXXX XXXX  XXXX XXXX to pull the money back themselves, which they told me they could not do. 

Citibank has instructed me that I will just need to continue to wait and that there is nothing they can do to escalate the situation. I have been told that it could take " up to 60 days '' since the account was closed until they send me a paper check to return the money that they continue to hold. On my most recent call with Citibank on XX/XX/XXXX, I was told to call back again in the last week of XXXX " for an update '' since I am currently part of a queue in line with others and that they have other cases to process ahead of mine. 

This means that Citibank will have effectively been able to hold {$15000.00} of my money for ~2.5 months without providing me any avenue to retrieve it and without providing any sort of recompense.

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 2020-08-27
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, This is ridiculous and inhumane! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation