BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-01
Company: Bread Financial Holdings, Inc.
State: MI
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 have contacted all 3 credit bureaus as well as XXXX XXXX XXXX  5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the 2 year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
OnXX/XX/XXXX an overdraft item fee of {$35.00} was processed stemming from a pending XXXX transaction in the amount of {$6.00} made on XXXX XXXX. In that same week on XX/XX/XXXX an XXXX XXXX XXXX withdrawal in the amount of {$10.00} was processed causing a second overdraft item fee of {$35.00} I called the customer service to see what resolution could be offered in the event the account had insufficient for the bank to refuse payment and reversal of the overdraft fees and was told neither could be done. Later in the week I went to the bank and asked why the bank could not deny transactions, I also pointed out that the alerts that I requested for transactions that bring the balance of the account under {$25.00} were coming after the account overdrafted and the fee was processed. I was told there was nothing they could do, but I could also try alerts for all transactions. This resolution has also proven to be ineffective in the most recent transaction on the account. 

Most recently on XX/XX/XXXX, an XXXX XXXX XXXX withdrawal was debited in the amount of {$10.00} and on the same day the overdraft item fee was processed.

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 2018-01-24
Company: ONLINE Information Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The response was removal of a collection with XXXX, XXXX and XXXX XXXX staying on my report despit no verification. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me. The result was XXXX XXXX staying on my report despite no verification or communication to me. 

On XX/XX/XXXX I sent a letter to XXXX requesting that all debt attached to my credit profile be verified or deleted if there was no means to verify the account belonged to me and Im anticipating the results. 

All correspondence on my part were sent certified mail so I know that they were received but this account with XXXX XXXX has yet to be proven to belong to me but wont leave my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.

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 2021-12-01
Company: The Moore Law Group
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX has filed suit a few years ago but at the time I have been unemployed and have tired to work with this company to repay them, they did not respond to me. And I have asked for documents pertaining to this and have not received anything. It was filed in XXXX XXXX NM and when I did appear for court the company dismissed the case, so the judge stated I was free from this. I am not sure if they are trying to just obtain funds without me contesting it. This is the second time they are trying with another company. From the looks of it that is what I see, trying to get money without me fighting or questioning it. So this is my concern I have tried to work with this company and if they do not want to give me what I have requested I feel that I should not have to pay. It is like they wait and then try to renew the statute of limitation. Like I stated I have tried to work with them but they are not willing to submit documents to me. So I am not sure what more I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I send certified debt violation letter to IC System, Inc on XX/XX/ the company have failed to validate my debt. Instead on XX/XX/XXXX XXXX XXXXhey send a list of my medical records which I know is a direct violation of HIPPA regulations. I nerve signed a HIPPA form authorizing them to have access to this information. Please delete this information on my credit file and cease all collections activities 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 2021-08-18
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Perdue Brandon Fielder Collins and Mott LLP ( https : XXXX  ) keeps calling me for debt that is not mine. The law firm somehow tied my mothers name to my phone number. I've told them repeatedly to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX inappropriately obtained my credit information from one of the three credit reporting agencies despite being on all three 's no-contact/opt-out listing for almost two years now. Attempted to resolve the issue with the company directly, then through the XXXX XXXX XXXX, but I continue to receive unsolicited offers of credit from XXXX XXXX XXXX in direct violation of the FCRA.

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 2019-07-11
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello I requested a 2 month extension 12 months ago ( XXXX ) and was told I can request again this year. I told after XXXX XXXX XXXX payment posted I could request 2 month extension. On the call I told representative that I need it for repayment of state taxes. I was told the manager will only approved 1 month. I was told that taxes doesnt qualify, but was what I advised them same issue last year when requested 2 month extension XXXX. I asked for supervisor XXXX told me there policy never changed its one for natural disasters to get the extension. The supervisor said she was the manager when I asked for a manager. Also stated also was no manager on the floor, but she was the manager. I asked her to review last year call and she refused said can not speak for the other representative but she is supervisor and manager. she told me taxes doesnt qualify because we all pay taxes. I feel was treated unfairly and believe that are offering or giving extensions bae on their own personal decisions. I did get 1 month extension only. I was piput back on phone with XXXX the original rep what told me u can only pay with debit card, when last year I paid online with check. I believe they are participating unfair workflow. 



I understand extensions are a courtesy but they need to be consistent on their policies. I would like my account to be reviewed from last year extension and this year. Also should be reviewed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
On XX/XX/XXXX at XXXX XXXX  I was served with papers from XXXX XXXX   XXXX, XXXX on the 2nd page of the summons it states prayer amount ... What is a prayer amount? then it shows a statement from XX/XX/XXXX-XX/XX/XXXX then another one from now-XX/XX/XXXX where are all my statements in between those months? they keep sending me letters to which I respond to and they state I have not. In XX/XX/XXXX I paid all my debts off with trust money due to death of a parent. why is it now portfolio recovery is coming at me 3 years later?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
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:
I open and close a chase XXXX XXXX  for one week and did not use it and call customer service to cancel the account and to remove from my credit report and chase would not remove from credit report. I never use the credit card and was told that if i cancel the card then i can apply for the other product chase XXXX XXXX ( which is the one want to get ). After cancelation happen with the preferred ... chase lending department said i'm over my limit of there XX/XX/XXXX rule that i can't apply for another card due to i hit there are open 5 credit card within 2 yrs including the one that i just cancel and never use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contact all 3 credit companies and they stated they can not remove the inquires. I did not authorize any of the listing below to run my credit. I have tried to submit to remove the online and by calling, no one is able to help me. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX   XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from 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 2019-10-11
Company: WAKEFIELD & ASSOCIATES, 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:
The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid.

Since they have not sent me such documents they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX XXXX -XXXX XXXX related to this complaint : Account # 1 : Collector : WAKEFIELD & ASSOCIATES XXXX Last reported XX/XX/2019 {$630.00} Open balance UNIV OF XXXX XXXX Original creditor Account # 2 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$450.00} Open balance 12 XXXX XXXX N A Original creditor Account # 3 : Collector : XXXX XXXX XXXX Last reported XX/XX/2019 {$170.00} Open balance 11 XXXX XXXX Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I " consolidated '' my student loans in XXXX2016 however the loans are not truely consolidated in order to accommodate government repayment plans keeping subsidized and unsubsidized loans separate. I have a current document showing this however when I took out my pension to pay off the unsubsidized loans because of the insane interest accruing I was denied from Navient how to allocate " MY '' money and they told me they would pay a percentage towards each loan 13 subsidized and unsubsidized. Keeping my unsubsidized loans open so they will continue to accrue insane interest and Navient makes it Very diifficult to pay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
To whom it may concern, A few days ago I received my American Express monthly bill. The interest rate jumped from 8.49 % to 14.49 % a total of 6 % percentage points.

When I called to see why my rate had been increased the answer was that it was being standardized to current rates. Meantime, I have had this credit card over 32 years an in that time I have only had one or two late payments, which were over 2- 3 years ago. 

When called to make a complaint the agent was someone from XXXX and was just reading off whatever they have instructed him to do. Finally I asked to have me transferred to someone else that could actually help. The second customer service person almost repeated verbatim a similar story and since he could not help I was transferred to a third customer service agent - a person that deals with escalation calls. He was XXXX # XXXX in XXXX XXXX. 
He told me that American Express can do what ever they want to better align their rates in the market place. That is was all legal based on FDIC regulations. 

It seems there is no consideration for longevity with a customer or even good credit practices. I will probably discontinue using this card and just pay off my balance with the 8.49 % rate. XXXX # XXXX in XXXX XXXX told me during the conversation that his own interest rate was raised recently to 15.49 %. He didn't seem to be bothered by this change due to his job with American Express, or at least that is what he said during the phone call. He said that the rates were more aligned with current rates. 
He said he had been employed by Amex for over 30 years. It may be the same time period he had his credit card account.

This leads me to believe that they have raised rates on a lot of their long time customers and I'm sure many they are not very happy with this change. They may feel the same way I did that our long standing business with American Express really does not have any weight. Greed has the utmost importance at this point. 

XXXX mentioned that I had received a letter from American Express with a 30 days notice letting me know of the changes. I was traveling so I didn't see the letter until the same time I received the billing for the month with the change to 14.49 %. I don't think 30 days notice is enough time for anyone to find alternatives if they decide to work on balance transfers or to just come up with a final payment to close out an account. 

I would like to know if there is any other recourse that I or other could take who have been affected by this adverse changes in rates by American Express. 

Look forward to hearing from someone in the CFPB. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is and Interest only loan, and the payment has adjusted out to {$3000.00} monthly. I 've been trying to modify my mortgage since XXXX  2017. 
My mortgage server changed before the modification process was complete. 
I 've submitted financials and a modification request to Shellpoint mortgage several times. They have given me a difficult time asking for the same paperwork I 've already provided to them. I feel they are giving me the run around and they are trying to foreclose on my home. I 'm requesting a fixed rate mortgage and payment for 30 years. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE 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 2019-07-11
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a mortgage with rocket mortgage by quicken loans to purchase a home on XX/XX/2019. 

Was extremely upfront and honest about what i was looking to achieve ( purchasing a duplex ) and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX. 

After pulling my credit, seeing that i wanted to put 25 % down as well as more than enough in reserves as well as an income to support it, everyone ( including the underwriter ) stated this would be an easy and quick loan to get done and wouldn't have any problem financing this property. 

After two months of getting pre-qualified, getting pre-approval and conditional approved as well as setting up the appraisal, inspection, receiving estimated closing costs etc i thought it was going great. I stopped talking to other lenders, took time off work to Then, 7 days until closing ( XX/XX/XXXX ) i get a call stating they wont be financing me anymore for this property. I asked multiple times as for the reasons why only to be told vague answers that the company doesn't want to move forward on this. XXXX XXXX would not tell me any reasons as to why i was declined so i have no idea what to fix or if there was something wrong. 

This process has caused me much stress, anxiety, ive have to taken off work to get either fax, email or submit documents, attend inspection and appraisal etc. 

All I'm looking for is why i was declined when they stated i had great credit, DTI ratio, more than enough in reserves and an above median income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Theres a incoming transaction in my Coinbase account that has been pending for more than 48 hours. It said that my USD will arrive by end of the day on XXXX XXXX, 2018. It has 300+ confirmations n still pending. I contacted Coinbase Support and all they said was my case was escalated to a specialist to review which might takes days to get to. I checked blockchain and it looked like the money went to my address and then went right out. Please help me.

Company response to consumer: Closed with explanation