BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: NM
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 reported several accounts on my credit report as fraudulent because I am a victim of identity theft. I reported this through the FTC at identitytheft.gov and I have attached the report. I mailed the letter for Equifax about two weeks ago, and they have not responded or removed any of the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
To : XXXX XXXX Subject : Account Status Message ID:XXXX Hello. I received a credit alert today. It showed that I had an increase in usage and a decrease in available credit on my XXXX XXXX account. It showed that my XXXX limit was decreased from {$1000.00} to {$750.00}. I would like to know why my limit was decreased, since there haven't been any issues with my account? I am building a new home and this action by XXXX has drastically reduced my score which is going to hold up my mortgage financing since this action has dropped me below the score guidelines for approval of my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... .to add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.

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 2021-04-24
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:
NEVER RECEIVED COPY OF CREDIT REPORT REQUESTED OVER 45 DAYS AGO TO ALL " CRA '' AND CONTINUE TO REPORT ID FRAUD ACCOUNTS " NOT MINES '' AND UNDERAGE DURING TIME ACCOUNT OPENING

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 2021-04-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Comenity Bank XXXX XXXX has been harassing my family and constantly calling my mom and son. They even told my mom they are going to contact my job and garnish me which is none of their business. They have been calling them daily for the past 6 months and refuse to close the account and stop the balance from rising. I tried to work out a deal and was told as long as I pay the agreed monthly balance it wont rise. It went up anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: AZ
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:
XXXX XXXX. I tried to get it disputed but XXXX told me to call XXXX, XXXX told me to call the company that was listed they couldnt find no account with my name, number, social security nothing. Its lowering my credit And I have no knowledge of this remark on my XXXX XXXX   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 non-monetary relief
Consumer complaint received 2019-05-29
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attended an outpatient program called XXXX.Most XXXX hospitals don't charge you for money they can't collect from medicare.I 'm being billed because medicare wouldn't pay the full {$9200.00} this hospital billed them.I 'm on the hook for {$580.00} an amount medical wouldn't pay because I wasn't entitled to medical.This debt was incurred on XX/XX/XXXX2014.I was not told in advance I might owe a co-payment or be liable for any amount my insurance wouldn't cover.If I had been told in advance I might owe these people money I would not have attended their program.I also took steps to fill out paperwork indicating hardship originally in 2014.I was discharged from the outpatient program in 2014 over this.This isn't fair I had been convinced by the director of the program I wasn't going to have any liability because of the hardship paperwork that was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
barclays has the wrong info for this acct and should be deleted # 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 2018-06-29
Company: First Data Corporation
State: AR
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Money was taken out of my account. I have no idea what this website is but it is called XXXX and Ive never heard or used this website. They have took out multiple amounts of money such as {$3.00}, {$7.00}, {$1.00}, and even {$17.00}. It has now put my account into overdraft and everytime I call customer service and type in my card information it says it can not pull up my account. This all happened XX/XX/2018 this morning. I had over {$100.00} in my account and its all gone now. This website is in a different language and somewhere in XXXX. Please help me get my money back.

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 monetary relief
Consumer complaint received 2018-10-12
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Plus Four Inc, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has listed 3 inaccurate debts on all three credit bureaus. The medical bills are from one doctor which was paid at the time of service when I visited the doctors office. I did call the office several years ago when I saw this debt was on my credit report and the nurse insured me that they would removed the debt. However since that time the doctor 's office has closed and I have no other recourse. I never owed this debt legally it must be removed from credit report immediately. The following dates and amounts reported to the credit bureau are as follows : XX/XX/XXXX - {$35.00} XX/XX/XXXX - XXXX XX/XX/XXXX - {$120.00}

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 2019-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a problem with USAA and my credit card I have a limit of XXXX I was fine until XXXX of XXXX then from XX/XX/XXXX to XXXX of XXXX they are charging Late fees high interest charges on my credit card which they created they have racked up XXXX on my account and trying to get me to pay for there charges and telling me I have to pay them more money. I bring in about XXXX XXXX to pay my bills with I had everything caught up and made a allotment with my bank to send them 50. a month. I have talked numerous times to them taken the questions to make payment adjustments as I can not pay any more then 50.00 and they say that I do not qualify for any of there programs to take care of the mater instead Im getting Harrasing phone calls daily and threating letters say they are going to ruin my credit and taking my credit card and reporting me to credit bureau for delinqent for charges I never ran up. I told them that if they were not going to help me and remove the charges and late fees interest fees they will only get the 50.00 and I will not pay them any more money then the 50.00. I will not pay there late fees and their interest changes I can not afford to pay any more then what I do and they continue to add charges that I didnt occur. that is wrong why should be stuck with there greed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: DISCOVER BANK
State: NC
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 rented a car because my car broke down. 
I started renting from XXXX in XXXX, Texas on XX/XX/2021 and ended on XXXX XXXX. I was paying every week {$300.00} dollars from Wednesday to Wednesday. using my Discover Card. I made multiple payments to Discover during this same time. The problem is that XXXX charged my card {$1500.00} at the end of my car rental. They never disclosed this practice to me. I was told that they were charging my card weekly {$30000.00} dollars. So I feel let down and duped by XXXX XXXX XXXX and Discover who just took my available credit of {$1200.00} and accepted this last charge of {$1500.00} and left me with a huge balance and no available credit in case of emergencies. 

Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : EOS CCA. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, MA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and EOS CCA has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: AES/PHEAA
State: NC
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:
XXXX XXXX  provided false information in their initial response. I updated my contact information once I was notified of their reporting to the credit bureaus. I have an active US mail forwarding request in place, so any mailed correspondence truly sent would have been forwarded to my current address. I have received nothing from them. They have only contacted me through their internal mailbox system. If I had no idea that my payments were in repayment status, I would have no need to sign into their website to check for messages. I was also still enrolled in school during the alleged 90-day delinquent status and did not complete exit counseling. If I justifiably believed that my loans were not in repayment status, I would have no reason to log into my account to check for messages from them. They also have my account listed as e-billing only, so that also conflicts with their claim that they mailed me. I also previously contacted the company regarding this dispute to find out why I was not notified and billed, and they said that I must provide consent for them to contact me. So they are being completely untruthful in their response that they have attempted to contact me. They also lied by saying they reviewed documentation to support my claim, because I did not provide any documentation yet. Additionally, they are reporting to the credit bureaus that the dispute has been resolved. They are not following requirements of the FCRA with that inaccurate statement and the FDCPA with their dishonest collection attempts, and they also have not added that I disagree with their resolution after the dispute, which is another violation of the FCRA. Their practices are deceitful and unethical. I'm not satisfied with this company nor their response. I will continue to pursue my options to correct their illegal reporting and collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Nelnet, Inc.
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have written letters and made phone calls to Nelnet LNS in efforts to dispute late payment marks that have been placed on my credit report ( s ) even though there is currently a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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: Account information incorrect

Complaint:
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX  XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

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 2021-09-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
When I first contacted citizens bank about down payment and closing cost assistance I was quoted at {$3600.00} out of pocket from me with the sellers assistance. I payed inspection fees out of pocket appraisal fees out of pocket and hand money out of pocket. Which then I was told I would only need no more than {$2000.00} at closing. A week before closing my lender informed me that I would now need almost {$4200.00}. That is more than we agreed upon in the very beginning or else I never would have went with this lender due to the fact I would never have been able to afford that in a 40 day period with still having to pay rent and utilities in the home I live in now. Ive asked for help Ive asked to speak with someone else and Ive even called her boss who didnt return my call he just told her that I called him. I have nowhere else to turn and Ive already given notice to my landlord that I would be moving. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Systems, a 3rd party collection agency with whom I have no contract with, is reporting erroneously on my credit report an unknown collection that i have no idea what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Credit Protection Association, L.P.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had an old cable bill be sent to Credit Protection Associates for collections. I was well aware of the debt and had planned on paying what I could every month. On XX/XX/XXXX, I sent an email to CPA,  requesting that all phone calls be stopped. On XX/XX/XXXX, I received the following response from CPA : XXXX XXXX In order to locate your account and update it to stop all phone calls, please provide the name of the original creditor, the amount owed, your address and the last 4 digits of your ssn. 



Sincerely, CPA I responded with the information they requested, but the phone calls did not stop. I followed up my email twice, but did not receive any further communication regarding my request from CPA. A few weeks later, I set up a payment plan, the calls continued for a few more days and finally stopped. I had to cancel my payment arrangement due to financial hardship, and I immediately started to get calls. I made a {$25.00} payment on XX/XX/XXXX ( I believe that's the correct date ). The calls continued and continued. On XX/XX/XXXX I sent a certified Cease and Desist letter, requesting once again that all phone calls be stopped and they received the letter on XX/XX/XXXX @ XXXX. Since the date of their receipt, I have received calls from CPA on : XX/XX/XXXX @ XXXX & XX/XX/XXXX @ XXXX Here is the tracking history of my letter : XX/XX/XXXX, XXXX XXXX Delivered, To Mail Room XXXX, XXXX XXXX Your item has been delivered to the mail room at XXXX XXXX on XX/XX/XXXX in XXXX, XXXX XXXX . 
XX/XX/XXXX, XXXX XXXX Departed USPS Regional Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX In Transit to Next Facility XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX   DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX Departed Post Office XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX USPS in possession of item XXXX, XXXX   XXXX I have also attached the email I sent requesting contact be stopped to show that they acknowledged my request and did nothing about it.

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 2021-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Bank of America. I am currently on a forbearance due to pandemic hardships. I applied for a loan modification. During the process several documents were lost, my case was mixed up with another customer who was under bankruptcy. Several critical errors were made including miscalculation of my monthly income. My modification was eventually denied on XX/XX/XXXX due to my monthly income being too low. Bank of America states my income is {$4000.00}. This is NOT my monthly income. It is substantially higher and I have submitted required proof of this to B of A. B of A is refusing to provide any documentation of how they determined or arrived at this figure. B of A is refusing to provide verbal confirmation of how they arrived at this figure. I appealed the decision on XX/XX/2021 within the required timeframe to do so. Bank of America did not once call me to verify if the documents on file for my income were correct. Bank of America did not verbally or in writing request any type of resubmission of documents to substantiate that my income is in fact higher than what is currently being calculated by B of A. On XX/XX/2021, B of A denied my appeal by only stating that my income of {$4000.00} is too low to qualify for a loan modification. But again, that is not my monthly income and I can prove it and have done so. There must be transparency in this procedure. B of A could be selectively choosing which income documents the use to yield a lower monthly income and deny me. Bank of America could be missing critical income documents that show my full monthly income since there is more than one source of income. Again without transparency, I dont know and my right to seek a modification and adequately represent myself is being violated. Also without transparency and full disclosure on the part of Bank of America or any bank, it opens the door for fraudulent denials. No corporation should be allowed to act without merit at anytime but more so should be held to even higher standards during a pandemic.

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