BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Used XXXX XXXX as an internet service provider. XXXX XXXX failed to complete an automatic withdrawal for bill pay. I paid them manually after their mistake. They are now attempting to collect a service fee through a debt collector. Debt is not valid. Service is no longer active, as I cancelled it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX had contacted my husband who is not on my account nor have I given them my husbands infomarmation at all. They had left him a message with my information and threatening message. This had caused a lot of problems between me and my spouse. I contacted them and they did nothing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recently, I received the discharge of a bankruptcy proceeding, which has been in progress since XX/XX/2019 and weeks ( XX/XX/2019 ) I received an email from US Bank, with my name, personal information, and " pre approved '' code for the credit card US Bank Cash + Visa Signature Card. The offer is legitimate, and dated XX/XX/2019. The same day I applied for the offer using the code received in the email, all my data was filled, I just read, and confirmed with U.S. Bank website. 

I am aware that every credit card is subject to credit analysis, but I can not agree to receive personalized notification of " pre-approval " with personal use code to apply for a card, and be denied. 

I contacted U.S. Bank and was informed that I can only apply in 5 years after the discharge. 

I feel disappointed and frustrated, because I received a hard inquire on my transunion, and damaged my credit history. 

This offer is totally misleading, and misleads the consumer to error. It is requested providences!

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 2019-05-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
We have been dealing with the credit reporting agencies since last year. We been asking them to provide information how they get our public information about our public records. They keep coming back with XXXX XXXX XXXX XXXX. But I thought if you have items included in the bankruptcy they should remove the items from the credit report. I even received a letter from the court system stating they don't report this kind of information. I have medical bills that was updated that was included in the bankruptcy. We have a lot of things on our credit report dated after the bankruptcy date of XX/XX/XXXX. They keep asking us to provide proof but what good as that if you keep giving them the information and they giving us the same response. Then if you filed a chapter XXXX bankruptcy XX/XX/XXXX if should have a date of 90 days to process right? But the complete discharge date is XX/XX/XXXX. This information is also on my husband 's credit report too. This is stopping us from going on with our lives. So we decide to turn to your company for help.

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 2019-07-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for this loan online and was contacted by a local office. My credit score was good, somewhere XXXX. These days I decided to go over the loan paperwork and was frustrated how they charge me and how little goes to the principal every month. I am on paperless bills, so I never actually went through details. The most misleading is how they introduce their product online, and what you are sold at the end. I am expecting from them the pay off balance now. I was very frustrated when went to check again how much I should repay. This kind of personal loan should do not exist. If they are allowed, they should be sold to people with credit below 500. It is a shame to call this service a financing service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently found out about this problem with XXXX XXXX. i am very upset about this due to the fact that I was never served any legal paperwork, and due to this poor service they have a default judgement against me. I have been losing sleep over this problem, as they are wanting to steal {$12000.00} from me. I remember this Home Depot debt was less than {$5000.00}, and the problem was HOme depot tried to debit my account for {$11000.00} instead of {$1100.00} dollars that was agreed upon. When this happened my bank called me and informed me of this, so home depot was blocked from withdrawing from my account. This caused me many problems. I have been trying to work with XXXX but they are not very nice people, they are difficult to work with, aggressive and not cooperative. If I had money to hire an attorney to file a motion to vacate the judgement because I was never served, I would do just that. unfortunately the justice system is broken and since I have no monies, I can't obtain justice.

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 2021-10-25
Company: EQUIFAX, 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:
I have sent a dispute, police report, identity theft affidavit and ftc report to Equifax and it has been 30 days with no response from them. They will no remove fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: Blackhawk Network Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2018 I purchased a XXXX gift cards for my son 's XXXX present. I never received the card. I have strong reason to believe this is due to my United States XXXX Veteran status. There is no other reason to block the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, my daughter took a look at her credit and saw that Walmart/Synchrony Bank was on her credit. I knew she was on my Walmart Credit Card, BUT as an authorized user. During that time the credit was issued by GE. 
I called Walmart and was told that she was not an authorized user but a joint user. I did not know this. When I first got this card in XX/XX/XXXX. I do not remember her signing anything. Really she was still a minor at this time. I asked Walmart if they would send me a copy of the credit application that she and I signed. I was told that it would take more then 30 days to find the application. In less than two weeks I received a letter on XX/XX/XXXX, stating that the application was a joint one and they could NOT remove her name. I called again and told them that I needed to actually see where she signed the application. On XX/XX/XXXX, I received a letter stating they could not find the application. They also said that it was paperless. On XX/XX/XXXX I received another letter saying that they needed more time to find the application. Then I got a letter from a XXXX XXXX, on XX/XX/XXXX stating that my daughter and I applied for the credit card on XX/XX/XXXX and entered into a valid agreement with Synchrony Bank. When I paid bills from Walmart the credit was NOT with Synchrony Bank it was with GE. Again, on XX/XX/XXXX, I received another letter stating that it may take them one to two billing cycles to respond to me. 
I just want my daughter 's name to be removed from the bill. A minor does not sign for a credit card. 
I want them to show proof that my daughter indeed signed the credit application with her signature being a joint user. Then I will disappear, BUT if they can not find the document then I want them to take my daughter 's name off my credit card. It seems to me that they do not have the actual application and they put my daughter on my account as a joint user. That was not MY intent! 
It is only fair that they produce this very important document.

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 2019-05-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account on XX/XX/19. Sun Trust representative confirmed for me the {$500.00} promotion. I took care of all the requirements - 10 Debit card transactions, {$3000.00} in direct deposit and maintain {$25000.00} by XX/XX/19 Now they tell me it will take another 10 weeks to get my {$500.00} promotion.

WHY 10 WEEKS????? 

A friend of mine received her {$600.00} promotion within 48 hours from fulfilling all the requirements at XXXX. 

I am not willing to wait for 10 weeks. I need my promotional offer - {$500.00} - deposited immediately since we have met all the requirements - Acct. # ending in XXXX opened in XXXX, Ga. inside XXXX. 
Stop dragging your feet, credit my acct. with {$500.00} by end of day XX/XX/19 No more delaying tactics.

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 2019-05-16
Company: EQUIFAX, INC.
State: FL
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:
I recently had a fraudulent activity show up on my credit report. I reported it to Equifax and they put a freeze on my credit account. They gave me a personal PIN number only they and I would know in case I need to access my Equifax credit information and lift the Freeze in the future in case I need someone to run a credit check, etc. After confirming my information ( including my current address, number, etc ) the Equifax agent sent the letter containing my PIN and other confidential info to a PREVIOUS address I know longer resided. Someone there opened my mail ( on accident ) and screenshot the info to me. That shows me how competent Equifax is in ensuring my information is secured!! Im currently on hold after asking multiple times for a supervisor and the name of the agent who sent the letter- its now been 35minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on XX/XX/XXXX the USI solution called me and the man told me I had an outstanding debt. My secretary answred phone and was told to contact me she said i was in meeting and he told her very rude remarks. how she is the worst secretary and how unprofessional and it really offended her. there were prior calls to this and he told me that i owed a debt i told him to show me and he says it was year ago and he dont have all the detail and i told him then why is it not on my credit bureau  and he said well i dont know but you owe it and he says i can tell you what bank account it was linked too and i said ok tell me and he comes back on the phone and says oh i cant find it but if you send so much money we will close the account and you owe nothing. i told him i need more inforamtion and send me an email of my account and company and balnce and he said ok and never send nothing and was very rude and saying you owe this. I feel this was fraud and not true. they have been calling like everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX my mother was served with papers for an amount owed to Bank of America in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.

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 2019-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX have a problem that should not be in place at this time. Over a year ago I inherited a house I currently live in from my brother-in-law. After his death, I honestly thought that I could afford a single family house in my 70s. The attached correspondence will prove that I have been in a modification position since last year. I have submitted every document requirement requested by Franklin American Mortgage Company. However, this financial institution  filed a foreclosure action a XXXX-year old XXXX woman without considering her rights under the Fair Debt Collection Practices Act. I plan on filing a discrimination lawsuit unless this matter can be rectified quickly. I realize that my age has made things difficult, and I need to close out the estate of XXXX XXXX. However, I make the following alternative to the pending modification and illegal foreclosure process : 1 ) I will agree to sign over a deed-in-lieu to Franklin American Mortgage Company within the next 20-days, and agree to leave the premises known as XXXX XXXX XXXX, XXXX, MD XXXX within a reasonable time period. 
2 ) I will accept {$7500.00} moving expenses disbursement after an inspection shows that I left the premises in move-in condition. 
3 ) I will agree to sign off on any potential lawsuit pertaining to the current situation. 
I would appreciate that the following attorney be contacted pertaining to the preparation of documents : XXXX XXXX XXXX XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Thank you for your consideration in this matter and please respond back as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Received unwanted marketing or advertising

Complaint:
I have used FICO, XXXX, and Transunion Monitoring Services, and the monitoring notifications does not match my actual report on all of the outlets. It's not even close. The notifications tell me that I have multiple collections and delinquency but on my actual report there is no collections or delinquencies. There is something wrong with the communication between Transunion and the monitoring system. Other people have said that it could possibly be a breach or a mixed file. There is someone who has the same name as me in California but she has a middle name, and I do not. I have recieved calls from the Sheriffs department and from Collection agencies that were looking for her. The only thing that the monitoring has in common is it is information being communicated from Transunion to these other monitoring outlets. I've called transunion multiple times, since the beginning of 2018, but no one is able to help me with the incorrect communication of information. They keep telling my credit report is fine, which I already know, but they dont understand that they are sending out incorrect notifications. The notifications in the monitoring systems just dont match what is on my report. For a while, everytime I saw another collections notifcation, I freaked out and ended up purchasing a report to make sure I didnt have a negative credit status. It's just so frustrating.

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 2019-05-16
Company: JH Portfolio Debt Equities, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been contacted several times in regards to a derogatory account that was sold to them by XXXX. I have requested validation several times and they have failed to provide validation bearing my signature. Copies of statements are not validation. Since this information hasn't been provided I am asking for this XXXX account to be removed 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 2019-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have fraudulent accounts on my credit report with experian 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 non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have asked EQUIFAX in the past to remove XXXX XXXX from my credit report and they have not i did not sign anything i do not know who they are and i would like for equifax to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Atlantic Recovery Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX & XX/XX/XXXX XXXX Received calls from XXXX XXXX Senior Associate at Atlantic Recovery regarding an urgent matter ( I do not have any debt in collections ). Phone number shown on phone XXXX. When I researched this phone number the owner is XXXX XXXX XXXX in XXXX. XXXX 's messages said to return call at XXXX extension # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 contacted Transunion regarding inquiries on my credit report. I sent a letter directly from the creditor that placed the inquiries on my credit report as requested by Transunion representative. The letter states that they are agreeing to remove the inquiries from my credit report within 60 days ( Please see attached letter ). Transunion has failed to preform an investigation to remove these inquiries which is violating the Fair Credit Reporting Act. I would like the following inquiries removed from my credit report. XXXX XXXX XXXX VIA XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018.

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