BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I undertook a loan online from Spotloan in XX/XX/XXXX. Unfortunately, due to unforseen circumstances I fell behind in payments in XX/XX/XXXX, at this point I realised that I had paid a huge amount to Spotloan in payment of the loan ... ..to date, a total of {$990.00} on a {$500.00} loan. Looking i to this, I have realised that I was hooked into a an interest payment in excess of 400 %. On further research I found this company is not liscenced in California and their interest rates violate the California Usury laws. In addition, they have been robo-calling my cell phone several times a day, which in otself is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: OneMain Finance Corporation
State: GA
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:
To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2015, MIDLAND FUNDING add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband left me in XX/XX/XXXX. He stopped paying mortgage and trustee payments, which defaulted mortgage and XXXX XXXXXXXX bankruptcy. I filed an application with the XXXX  XXXX XXXX in XX/XX/XXXX prior which is still currently pending. The mortgage company XXXX XXXX and their attorneys and the XXXX XXXX XXXX are aware of the application and are still proceeding with the auction sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SYNERPRISE is claiming that I owe them {$96.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid XXXX to Excelious legal group to assist us in getting another modification loan for XXXX XXXX the company took our money and strung us along for a year and a half then told us they could not help us and never returned either all or part of our money, they just told us to go chapter XXXX if we wanted to save our home. 

As of today XXXX no longer owns the home I bought the home from her and allowed her to live there since I reside there also this never should have happened if there was help from this company

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had my bank account closed because of the overdraft fees and fees occured by having a low balance.

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 2020-05-27
Company: ALLIANT CREDIT UNION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Was told i was approved for credit card by Alliant Credit Union XXXX, IL on XX/XX/20. 
Then after submitting required documentation was then continually delayed and discriminated against ... 

My Employer even intervened to resolve what should have been a simple verification issue. But Alliant would not accept that even AFTER requesting multiple documents they were given AND making a call to my employer ... 

My Employer was called 1 time at XXXX eastern time after business hours and Alliant left no message. 
Employer then attempted to call back and then spoke with someone who would still not verify employment with my Employer! 

I have submitted SIX DIFFERENT FORMS of verification and they were still asking for more verification after they were not willing to actually verify with my employer. 

I received another credit card for the same amount and terms with a simple 2 minute online application ... 

I sure find it interesting that after i submitted my ID where my RACE was known the XXXX and delays started right away! 

Clearly Alliant Credit Union doesn't care about its members and it's very disheartening to have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting a release option for co-signers, according to the Consumer Financial Protection Bureau a release can be obtained after a certain number of on-time payments. 


I am requesting to be released from this lease agreement as it has been returned and payments have NEVER been made by me. The sole responsibility of this lease was for my son XXXX XXXX. There is confusion at times being that we have the same name. I am attempting to get a loan for the purpose of re-siding a home that I am too old to get up on a ladder and paint. I am a Veteran of the United States XXXX and retired XXXX XXXX XXXX 
This is regarding the XXXX XXXX XXXX, account # XXXX - XXXX  XXXX XXXX XXXX 

Typically after a certain amount of payments, the co-signer can be removed. This lease has been turned in and I need it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Date : XX/XX/2021 Amount : {$2300.00} Collector has sent several communication mailings and phone calls regarding the debt

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 2022-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6 Validate Account XXXX XXXX XXXX  : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit 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 2017-09-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was resolved years ago. I have confirmation on my credit reports and from the original collector this has all been taken care of. I 've been since contacted by two companies about this debt that no longer exists, the latest being " XXXX XXXX XXXX '' The voicemail I was left ( attached ) threatens to contact my employer, garnishing wages and freezing assets. They 're also threatening to sue. 

The representative I talked to when calling in refused to provide me their name and a suitable address. 

The number they called me from was XXXX and the email address the provided was XXXXXXXXXXXX I 've attached the original agreement that I paid and got confirmation along with snapshots of my credit reports. See below for the original confirmation email and transaction ID : XXXX XXXX, Per your request, your confirmation number for your payment made today ( XXXX XXXX, 2014 ) in the amount of {$800.00}. 

Transaction ID : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information 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 non-monetary relief
Consumer complaint received 2023-02-16
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:
I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.

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 2021-04-10
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovered Company trying to collect debt {$1100.00} which is not mine. They bought this debt from another company that tried to collect last XXXX of 2020 this company put a collection on my credit report which I disputed and it was removed. Now Ehanced Recovered Company just put collection on my credit for {$1100.00}, I to them that this account is not mine, I asked them to provide proof that the account is mine they wouldn't give me any proof. Instead they have ruined my credit with collection account. They're trying to scare me into paying for a debt that I don't owe, because they believe that they have the power to distory my credit. Something need to be done about these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Ocwen Financial Corporation
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:
Same thing reporting as accurate but different status with both credit bureaus

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 2019-08-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

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 2021-04-10
Company: CITIBANK, N.A.
State: NJ
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 had my card overcharged an hacked into from enterprise an my credit card company said they would fight with me to get my funds back an they charged me an were rude to me when I kept trying to resolve the issue. I was ignored an forced to pay the charges that were overdrafted on my account. After trying to get my credit card company to take off the overcharged assessed fees I had no choice to pay an right after I paid they took my money an dropped my credit card balance an stated because i took too long to pay an was always late when I always paid on time I have my statements it wasnt until I started renting with XXXX an they were overcharging my card an messing with my account as I reported their fraudulent charges. My limit on my credit card has been {$700.00} for 4 years an my score has only changed for 3 years an I have kept up with my payments. They took my {$700.00} an dropped my limit to {$300.00} an refuse to either put my limit back to {$700.00} or give my {$400.00} back. I have been having issues with enterprise for some time now with my credit card an it seems enterprise knows someone in Citibank an every time XXXX report enterprise my Citibank account gets messed with.

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 2020-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
on XX/XX/2020 i was informed by XXXX Bank of america that my account was makin purchases in an online gaming cite called 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 2019-03-08
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX will not respond. I have emailed several times with no response. Title loan payments never was applied to my account therefore my car went into default, for the past 1 1/2 I have made several attempts to see if I could still repay the loan off even after it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving repeated calls to my cell phone number from " XXXX XXXX '' about an " urgent financial matter. '' Each time, they ask to speak to a person who is not me. I have told them multiple times that I am not that person and to stop calling me, and I have received verbal confirmation that they would not call me anymore, but I continue to receive calls, including evening and weekend calls. The most recent calls were XX/XX/18 and XX/XX/18.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15
Company: Coast to Coast Financial Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently dicovered that a collection agency by the name coast to coast is reporting an amount owed to XXXX XXXX XXXX and I have never had an account opened with XXXX XXXX XXXX. I have no reason to do so.From what I am understanding this account was opened back in the year of 2011. I was living in XXXX XXXX county in the city of XXXX XXXX  at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a request to remove address due to this is not my address and Equifax agree to remove it and they continue to report the address I asked to be removed. And I'm unable to pull my credit report. I want a updated Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 examined my credit report during XX/XX/2018 and noticed that there were many accounts that are fraudulent on my report. I am in serious need of those items being removed from my credit 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 2019-02-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went to a Chase bank branch in XXXX XXXX Mi. to deposit a check in XX/XX/2018. The XXXX female branch manager told.me to " get my XXXX XXXX out of the bank before she calls police. I then took the check to another Chase branch on XXXX XXXX and check was deposited into account. ( the manager made a complaint to chase that day. ) Same scenario same bank ( XXXX XXXX ) repeated this again in XX/XX/2018 with a cashier 's check. ( Both checks were drawn on Chase so it was THEIR checks.

Company response to consumer: Closed with explanation