BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: Bread Financial Holdings, Inc.
State: VA
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 customer representative invited me to apply for one of their credit  cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX '' stating that I was denied due to what XXXX   reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spent 40+ hrs with PennyMac escrow team working to get updated tax payment amounts, interim tax payments, and updated assessment from the county. I have sent them documents from the county, created XXXX spreadsheets with all the relevant information, and spent hours on the phone with their reps. 

Multiple times I have given explicit payment instructions and they have just ignored them. Depending who answers the phone they could be average help or completely incompetent at their job. 

I explicitly told them I would like a tax payment made in XXXX when it is due. They went ahead and paid it in XXXX. I called the day after the payment was made to have it cancelled and returned. The rep only put a note in to pay in XXXX with no action item to have the payment returned as I requested. 

I spoke to a manager once and was able to get a lot of these issues fixed, he was at least able to make changes immediately. Otherwise every response is I have to put a ticket in and it will take x business days to complete. Unfortunately, the phone number he gave went out of service and every time I called and asked for him he ignored my call and never reached out. When I said the extension did not work they blew me off again saying that was the correct number. 

I can't even begin to describe how frustrating it is to have a company hold so much of your money and have zero control. Not only that trying to work with them to create a plan is useless because they just ignore the instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 had a Sears CC for over twenty years. There were two late payments reported. One was XX/XX/XXXX and one was XX/XX/XXXX. I have always paid my balances when due. Back in XXXX and XXXX I did not pay online rather I paid my balance when I received a statement and mailed a check as I did not believe in online transactions. I believed my balance XX/XX/XXXX balance was paid in full and postmarked by the due date. I cant find my XX/XX/XXXX bank statement and cancelled check and the bank said they do not keep information that long. The Credit reporting agency did not show me proof that I was notified of my balance or provide me a copy of the post office stamp showing when I mailed my payment to them. I bring up these relevant points as I have on many times received postage for other individuals that did not belong to me or my addresses ( as a good individual I always mark the envelopes as wrong address and return to the post office for proper delivery ). I have also had instances where I mailed information for the holidays and their birthdays to my family members and experienced significant delays in delivery by the post office in the month of XXXX. I do not believe the credit reporting agency is fulfilling their fiduciary duties in performing a review of my account. I light of their lack of the agency not meeting their fiduciary duties in regard to my dispute I would like to file a formal complaint.

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 2017-06-18
Company: Millco Management
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was seen in the emergency room at  XXXX   XXXX   XX/XX/16    my insurance company  XXXX   XXXX   XXXX  paid the bill and I have a copy of the letter from my insurance company stating that I am not responsible for the bill  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone tried to open a bank account using my information such as my name and ssn. I called the bank and got the account closed.

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 2020-11-05
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: Account status incorrect

Complaint:
From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that 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 2022-08-30
Company: Strategic Alliances, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/2022, I was contacted by mail by three companies seeking to collect the same debt. First Financial Asset Management/First Financial Investment Fund III LLC XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX written communications seeking to collect the same medical debt. It can not be legal that three companies can collect the same debt. I have disputed this debt with all three companies. I have called all three companies. XXXX XXXX XXXX specifically told me they had lawyers in their employ to escalate cases when necessary. Overall, these companies have big official names when they're really just three different debt collectors seeking to collect on the same debt. This can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: AES/PHEAA
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: Information belongs to someone else

Complaint:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ... 

As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2019, I attempted to withdraw {$40.00} from my American Express Serve prepaid card at the XXXX XXXX XXXX XXXX XXXX ( XXXX ) ATM located at XXXX XXXX XXXX, XXXX, VA XXXX. The ATM was unable to print receipts, and then encountered an error dispensing the money ( and dispensed nothing ). I disregarded it, expecting the funds to remain in my account, and used another nearby ATM to make my withdrawal. 

On XX/XX/2019, the {$40.00} failed withdrawal posted to my account and I contacted Serve customer support, who transferred me to the dispute department. I explained the situation and they processed the claim. At no time was a provisional credit issued. I received a dispute form in my email on XX/XX/2019, and completed it and attempted to upload it multiple times from multiple computers and separate networks to no avail ; I did not report the website failure to Serve. I ended up faxing the form back on XX/XX/2019, but received no acknowledgement of receipt from Serve.  On XX/XX/2019, I received an email from Serve stating that they had completed their investigation and that " [ t ] he ATM provider confirmed the funds were dispensed for the amount requested. '' I contacted them the same day and requested the documents from the investigation, which consisted solely of a one page XXXX " Transaction Research '' screenshot with the transaction details ( attached ). I went to the XXXX branch where the ATM was located and inquired on XX/XX/2019, and was told they had no information and wouldn't have any information until the ATM 's transactions were reconciled at the end of the month. The representative took my information and said she'd pass it along to the relevant department for followup at such time. 

If the financial institution hasn't reconciled the transactions, I don't see how Serve can have reached any conclusion, nonetheless one that the funds were dispensed when clearly they were not. XXXX itself said they lacked transaction information, so Serve 's conclusion seems bizarre at best and malicious at worst.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
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: Their investigation did not fix an error on your report

Complaint:
I sent in my FTC report because someone was applying using my personal information for their personal gain. I had unauthorized inquiries show up out of nowhere. I spoke to XXXX from the Transunion fraud department and he confirmed that he would mark the inquiries as fraudulent and said they would be off my report within 48 hours. It is Monday XXXX. I spoke to XXXX last Thursday XXXX and these fraudulent inquiries are still on my report. 

The confirmation number from my call is XXXX. 

If this continues to be ignored, I will file litigation.

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 2021-07-12
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a refi to existing home mortgage with LoanDepot in XXXX. 
The loan officer was professional and helpful and gave me a great rate ( 1.85 apr ). 
The loan went to underwriting before XXXX. Once in underwriting communication was poor. I emailed various people listed as my contacts plus I called the help center numerous times. 
A closing date was set but the notary did not show up at my house and LoanDepot did not inform me that the notary would not show up. In late XXXX or early XXXX, LoanDepot sent me a final disclosure statement to review. The statement did not reflect the correct payoff balance with my existing mortgage ( and overstated the loan amount as a result ), having missed the last two payments I had made. 
Finally after several messages from me, they corrected the disclosure statement by keeping the loan amount, term, apr the same as on the previous disclosures, but increasing the cash amount due to borrower. I would have preferred the amount borrowed to have decreased, but the way they did it was mathematically correct, so I told them the disclosure was correct. A notary was sent to my house, numerous documents were signed and we closed on the loan. 
However, three days later I received a new disclosure statement with all amounts the same except the amount due to borrower was significantly reduced. I called LoanDepot to ask how could they change the disclosure statement that was formally signed just three days ago and with incorrect amounts listed. The person I talked to said she was some kind of super person with LoanDepot and she reduced the amount due to borrower because this was not a payout loan, and the statement would be corrected later. 
I said I could not trust LoanDepot to correct this timely. She said it would be corrected by the end of the day. Two days later it was still not corrected. And I told her and the loan officer when he called later, that I could not trust LoanDepot, I did not want to waste anymore time with them and to cancel my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
We purchased Experian family plan. My wife was added to the plan. However, her account is not fully active and therefore many of the profile items are not being monitored. I have called Experian NUMEROUS times, but they will hang up, drop chat, transfer to nobody and are totally unwilling to correct the issue! It is the worst customer service I have ever experienced. And this is one of the companies responsible for my Credit?!?

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 2018-11-24
Company: EQUIFAX, INC.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: EQUIFAX, INC.
State: NJ
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:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company response to consumer: Closed with explanation