BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I saw this account with XXXX XXXX XXXX XXXX on my Experian credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit 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 2019-02-17
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/ 2018 I was a victim of Identity theft. 
My XXXX XXXX XXXX banking account which I had on file was compromised. 
After several attempts to correct the issue I had to close the account and start a new account. 

All of bills were paid using this bank. This cause issues this payment to this card. I did get this corrected. But now I use my XXXX XXXX banking account. 

As a XXXX XXXX I was affected by the XXXX XXXX. With no income I did attempt to make a payment of {$15.00}, {$20.00} of what I could afford. 
I spoke to representative and informed them of my situation. 
I was told late fees would be added to the account. 

As I need time to get back on my feet. My husband is XXXX XXXX too so this XXXX affected our household. 

Also I was able to access the FTC site during the shutdown. It gives the information for Identity theft to show I filed and I have a case number. 
This program was shutdown at the time, I would like to get my account back on track. 
No card closure If u can see before I was able to pay with no issues I can provide any additional information as needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-21
Company: Asset Management Outsourcing, Inc.
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:
Company never contacted me, or wrote me a letter, they opened a derogatory remark on my credit report using dates that are not possibly accurate. It is collection over a hospital bill and I have not been to the hospital in over 3 years yet they list a date this month, that is re-aging and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Midland Credit Management in the mail. I returned their phone call at XXXX. I spoke with a representative and explained my situation as well as the fact that I am working with XXXX XXXX XXXX. They insisted that I not work with XXXX and work with them directly. When I told them that I would not make any arrangements with them before speaking with XXXX, the put a " supervisor '' on the line. This person tried to bully me into making arrangements with them. Even though the other debt collection agencies I have worked with have told me that since I'm working with XXXX they will continue any further contact with them. When the supervisor refused to end the call, I told him that I had already been speaking with them for upwards of 40 minutes and didn't have any more time to speak with them regarding the matter and that I would call them back at a better time. The person raised their voice at me and told me that they were trying to " save me time '' ( a reference to saying I was out of time ). I told them that they were not hearing me and that I was going to terminate the call. They continued to raise their voice and tell me that I should not end the call, because it would not be good for me. At this point in time I hung up the phone. 

From my understanding, at the moment that I notify the debt collector that I am working with a consumer credit agency on a repayment plan, they should have stopped trying to influence ( really it was bullying ) into making any arrangements with them. I was very upset that they raised their voice and kept trying to force me into making an arrangement directly with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a bank account with Citibank. After I verified my identity by answering various questions, it said it was unable to open an account but provided no reason. I do not owe the bank nor am I in XXXX or XXXX 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 2018-08-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I sent a certified mail letter with return receipt to the collection agency Wakefield & Associates to validate the alleged debt that were on my file. The account are as followed : Account : XXXX  The company sent back the return receipt with a signature. The company failed to validate the alleged debts. It has been over 30 days and I have received no response from the company to this day. The collection agency failed to complete the Validation process. Please be advised that I am disputing these collections due to the fact that Wakefield & Associates currently does not have a valid license in the state of Missouri to collect on debts. I checked the Missouri state secretary website and the information for the company states that their license is currently Admin Dissolved - Profit according to the Missouri secretary of state. I am requesting that you investigate this matter and delete these accounts from my file immediately. I specifically asked for a signed agreement and other supporting documentation and I have not received a response from Wakefield & Associates validating this alleged debt. They are reporting delinquent information to the credit bureaus that I am asking be deleted.They failed to validate this alleged debt. If this collection is not deleted I might sue for violation of the FDCPA.

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 2018-08-27
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have sent money to a professional colleague ( a physician in XXXX ) more than 20 times in the past, but suddenly WU is refusing to disburse the money to him. They admit they have received the funds from my bank account and have confirmed via email that the funds are available -- but they refuse to give him the money.

WU sent me the following confirmation : Thank you. The payment for your money transfer has been received and is available for pickup.

[ My recipient -- name redacted here ] will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
If you have any questions, contact us anytime. 

Thanks for using Western Union. 
XXXX This is your proof of payment for the money transfer below. 
_____________________________________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET However, when my recipient attempted to pick up the money, he was told the transaction had been blocked. When I inquired, WU simply stated " We checked and reviewed the tracking number you have provided us, due to various laws and regulations across the countries where we do business, we can not complete this money transfer to this receiver. '' Their so-called " customer care '' representatives tell me that there has been no change in the rules for sending money to XXXX, but they refuse to tell me why they are blocking the funds from being disbursed to this physician.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I called Amex Serve to find out what the issue was with my card and when I told them to fix the issue the representative hung up on me. They have declined every transaction that I have attempted since my deposit went into the account. I am refused access to a US based call center to speak to someone that I can understand and they understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
At this point I am absolutely speechless at how I am being treated with my disputes. I have completed a FTC for the issue and submitted a CFPB complaint before. I have given the company plenty of time to contact me with any results but they have failed to do so. According to the Fair Credit Reporting Act, I have completed my portion by completeing the FTC and CFPB, but still this item remains on my account with out proof of a wet signature. I would like this to be my final time trying to get this issue resolved. Remove the account immediately because the company has had plenty of time to recover and provide documentation. The FTC was filed at the end of XX/XX/2021 and the first CFPB was completed in early XXXX, as a result of being ignored, by these same companies. I have rights as a consumer and these companies must respect that.

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 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018 I sent a dispute to TransUnion regarding a collection account with XXXX XXXX XXXX that is being illegally reported on my credit, and they closed my dispute while allowing the illegal activity to continue. 

In the info I send to TransUnion, I included copies of the documents I sent to XXXX XXXX proving they are violating my rights as a consumer under the Fair Credit Reporting Act by ignoring my request for validation and " terminating the dispute '' without any proof that they have a legal right to collect the alleged debt. 

With all the proof that shows that XXXX is in violation of the FCRA, Experian still did not delete the account. 

XXXX has not validated this debt per my request and I have NEVER received any documentation from this company until AFTER I contacted them because I found them on my report. I never received a dunning letter from them nor any proof this is my debt, as requested. 

This account needs to be deleted immediately as it is in violation of my rights.

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 2018-08-27
Company: Exeter Finance Corp.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX   on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. 

Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The creditor did not provide proper verification of debt. I have included what was sent 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 2019-05-18
Company: Experian Information Solutions Inc.
State: NV
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 AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR XXXX XXXX HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE 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 2020-02-08
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
1. I took out a loan with NetCredit. LACK OF TRANSPARENCY REGARDING PAYMENT ALLOCATIONS 2. Along with the loan, came an amortization schedule outlining how payments would be applied -- how much to interest and how much to principle -- for each payment, over the life of the loan. 3. I've made at least one early partial payments and one full payment ahead of the original amortization schedule. 4. I made several late payments behind the original amortization schedule. 5. On XXXX XXXX, 2020, I made a payment and was distressed to see that it did not seem to bring down the principle balance on the account. I was given a total balance that was higher than the principle balance, but when I log in to my account it only gives the principle balance. 6. I called Net Credit on XX/XX/2020, and I requested to find out how much of each of the five payments I had made so far on the account had been applied to principle and interest. The representative said she could not provide me with that information, but that she would send me a new amortization schedule by email. 7. The new amortization schedule did not arrive by email. 8. Today, I  called to follow up regarding the missing amortization schedule. I spoke with XXXX and asked for a supervisor. XXXX transferred me to XXXX. 9. XXXX   emailed me with the payment application information for the first five payments, which I received. 10. I asked to make a debit card payment and XXXX  transferred me back to XXXX, 11. On today, I made yet another payment with XXXX, which was all completely applied to interest, with no transparency about where my money was going. The allocation of the payment was this time revealed to me upon request. 12. Upon learning that there had been no principle reduction yet again, I asked XXXX for a supervisor. 13. I was disconnected. 14. XXXX called me back and transferred me to XXXX, a manager. 15. I began telling XXXX what was going on, then I was placed on hold with no warning. I disconnected the line, and XXXX has not called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and  they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, US DEPARTMENT OF EDUCATION opened XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  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 non-monetary relief
Consumer complaint received 2019-05-21
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: Information belongs to someone else

Complaint:
Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect  consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  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