BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-01
Company: DISCOVER BANK
State: MS
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:
On XX/XX/XXXX, I applied for the Discover Business credit card and was denied. A hard inquiry has now been added to my credit report from Discover Bank. When I called Discover Bank on XX/XX/XXXX, I was informed that my application was denied due to the status of a previously closed credit card account with Discover Bank. I proceeded to reasonably ask that, if my application was immediately denied based on information already in possession of Discover Bank, how could there possibly be a legitimate reason to complete a hard inquiry on my credit report? The employee I spoke with was unable to give me a valid answer. There was no reason for Discover Bank to do a hard inquiry on my credit report because, as is obvious, Discover Bank denied my application due to information they already had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DTEDXXXX XXXX {$3500.00} DTEDXXXX XXXX {$5900.00} DTEDXXXX XXXX {$4500.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$650.00} XXXX  XXXX {$17000.00} XXXX XXXX {$17000.00} XXXX {$8400.00} DEPT ED XXXX XXXX {$8500.00}

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 2018-09-27
Company: Auto Advantage Finance, LLC
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company is using illegal collection practices. They claim I owe more than I do and attempted to repossess my vehicle after 22 days without a payment. They threaten to repossess if I do not pay whatever unreasonable amount they determine I owe. They refuse to provide me with detailed activity of my account and payoff amount. They claim that I will be sued or my property will be seized and even sent a man to my home with a large paper that resembled a legal document. They have added unauthorized interest, fees, and charges not listed in my contract. They call me repeatedly, almost daily, and cause undue stress on my family and I. They make it extremely difficult for me to pay on my account without paying additional fees or calling into the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
Dec 16, 2016 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
EECU {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser EECU BBVA USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX  XXXX Nature of Suit  : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Amer Koorndyk v. Bank of America , N.A. et al ( XXXX ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Investigation took more than 30 days

Complaint:
I tried to contact all 3 credit bureaus on XX/XX/XXXX of 2020 to resolve inaccurate accounts on my credit report. As of today I have not received any response back from them.

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 2021-06-01
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The below Debt Collection is Fraud and it is not my account. I contacted MRS Associates and this debt is not belong to me. 

MRS ASSOCIATES has flagged your account as Collections on XX/XX/2021. 

Source : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2021 Balance : {$440.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I went into forbearance during the beginning of Covid and was told my account wouldn't receive a negative to credit reporting. I was told me, due to covid I was placed under forbearance, and Homebridge told me my account would not be reported negatively to the credit while in forbearance ; they reported me late, negatively impacting my credit score ; they then apologized and sent me a letter stating that they removed the negative reporting. I also paid them about {$15000.00} during my forbearance, which they told me. I also directed them to send my payments to cover my mortgage ; I went into my XXXX and took out all of my money and paid them so that my house did not go into foreclosure. They never paid the money to my mortgage payments. They couldn't find any payments I made for weeks at a time, The money was also to cover the beginning of my forbearance, so I should have never been reported as a negative account. They later told me they had my money in a suspension account and never paid any of the money I sent to pay my mortgage ; instead, they paid my taxes. 
They told me I still owed them about {$10000.00} more to pay toward my mortgage principal and interest, or I can stay in forbearance, which I obviously did not want to do ; I was paying them money sometimes {$6000.00} at a time entire pandemic. I extended my forbearance, and I had no money to pay them. My XXXX was wiped clean. I stopped paying any money after telling me I needed to extend my forbearance or pay an extra {$10000.00}. I had no money. They sold my application to another mortgage company after I extended the forbearance with them. I have no way to contact them now because my account number ceases to exist, and I can't ask for the letter that stated they fixed my credit report to reflect I was never late on a payment to have it removed. I'm ready to move on, and the negative credit reporting is holding me up. Please help, it's been a horrible year, and I would like to move on ; please help. They drained my XXXX, and now I can't even get a representative to help fix their mistakes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being extorted by a third-party debt collector by attempting to collect a debt I do not owe or even aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Professional Service Bureau
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX to XXXX I was receiving treatments for XXXX  XXXX  XXXX  XXXX at XXXX XXXX in XXXX MN. I had a XXXX  XXXX  XXXX  for XXXX and these treatments were called XXXX. The problems started when the billing department lumped these treatments into XXXX bill. I started receiving bills for {$37000.00} dollars. I had changed insurance after XXXX, my wife worked as a teacher and I was covered under her insurance, in XXXX the new policy went into effect. I gave this information to XXXX on my first visit for treatment after the new year and also on a subsequent visit when they photocopied my insurance card. Each time I received this bill I would either call billing or visit the desk in the XXXX XXXX in XXXX. Each time I was told something wasn't right and they would submit it for review. Eventually a lady called and said it was all cleared up and I no longer owed anything. I stopped receiving bills. However in early XXXX I received a call and a message that I needed to contact XXXX billing department. I did and they said I still owed them {$37000.00} and how would I like to pay it. I asked them to send me an itemized statement so I could review it. They did and this is when I noticed they had billed my previous insurance from XXXX instead of XXXX. I then called them back and alerted them to this. I also called the insurance company and they had received a claim for these services but it was past the XXXX year timely manner submission. They did however say an appeal could be made if XXXX wrote them a letter explaining why it wasn't submitted on time. I called XXXX and told them this but the lady said they weren't going to do this and there position was I wasn't covered under my insurance plan. I even hired a lawyer who sent them a letter saying I wasn't going to pay the bill because I had insurance at the time. He sent the letter to both the insurance company and XXXX XXXX. The clinic has canceled all my appointments and I am no longer able to go in for checkups or see my doctors. I was also informed my bill had been turned over to a collection agency.

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 2020-05-29
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Last year I borrowed {$400.00} from this Business. Below is the payment activity taken directly from their website, and it's still not over, I received an email today stating " Your Installment of {$240.00} will be debited on XX/XX/XXXX ( Tue ). You can also schedule a Pay in Full for {$310.00} '' This {$400.00} Loan will cost almot {$2000.00} to payoff. How is that possible in America? 

Date/Description/Principal/Cash Advance Fees/Finance Charges/NSF Fee/Total XX/XX/XXXX Payment ( {$79.00} ) {$0.00} ( {$160.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$45.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$36.00} ) {$0.00} ( {$200.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) ( {$30.00} ) ( {$270.00} ) XX/XX/XXXX Payment ( {$3.00} ) {$0.00} ( {$240.00} ) {$0.00} ( {$240.00} ) XX/XX/XXXX Payment ( {$48.00} ) {$0.00} ( {$190.00} ) {$0.00} ( {$240.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank handles the credit cards for XXXX XXXX Stores. I have not been receiving mail in a timely manner, and I did not receive my XXXX XXXX bill. When I receive my next bill, I had incurred a late charge of {$35.00}. I called Comenity Bank and asked them to remove this late charge because of these circumstances. She agreed to remove this charge and I agreed to pay the account in full. 
I received this bill on XX/XX/2021, and I saw that the bill was due on XX/XX/XXXX. I asked if my payment would arrive on time if I sent it in for XXXX Online Bill Pay to pay it on XX/XX/XXXX. We agreed that this was agreeable, and I asked her to notate my file that I would be closing the account and sending in the payment on that day. On XX/XX/XXXX, I received the attached bill, which I didn't understand ( and I still don't ). When I called to ask about it, I was told by the customer service representative that my balance is {$29.00} : she said my bill is paid, but I still owe {$29.00} due to a late fee because my payment was not processed by Comenity Bank until XX/XX/XXXX, and it was due on XX/XX/XXXX. I was further told that if Comenity Bank did not receive this late fee payment by XX/XX/XXXX, I would have incurred another late fee of {$29.00}. I think I would be given a better deal by the XXXX 
My complaint is that Comenity Bank did not honor their agreement to accept my final payment which I told them would be sent on XX/XX/XXXX, Comenity Bank charged me a late fee when I should have a XXXX balance, and Comenity Bank wants to charge a late for a late fee. Isn't that illegal, or is it only immoral?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I don't want any mistakes to be put on my record and so. I want this to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: KY
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:
Payments mishandled Got bad info Reducing payments Flexible repayments Fees charged Customer service Can't delay payments Need balance/term info Keep getting calls Wrong info on report Getting a loan Credit reporting Credit/identity protection Improper use of report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since XX/XX/XXXX I have been charged {$17.00} per month as a monthly maintenance fee by US Bank. Several criteria, including deposits and lines of credit, were in place to have this fee waived. Beginning in XX/XX/XXXX the fee stopped being waived, with the exception of a few months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). A total of {$680.00} has been charged incorrectly and this was discovered just recently as my wife and I were looking into why we would continue to have to pay the monthly fee. US Bank refunded only 3 months worth of fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) after we brought this to their attention but refuse to repay the remaining {$680.00}.

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 2018-05-07
Company: LOBEL FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
File an dispute with XXXX regarding Lobel financial XX/XX/XXXX. Checked the status of the dispute XX/XX/XXXX states account removed now my credit file is reflecting the acct back on my credit file after it was removed their reaging this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I receive error message when using my credit card at retailers. When I slide my card the message says notify cashier. I have reported it to Bank of America but have not received a response. This was 2 months ago. They sent me an email stating someone would call me and they did. When I returned the call it went to voice mail. That's where I am now.

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 2018-05-07
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
State: TX
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 reported that I made a purchase and did not receive, what I paid for. Therefore I wanted a refund. You pay before you get the service. I also had put in a complaint with the XXXX   months before, because they would not respond to me or the XXXX  complaint. I came to American Express because, I could see that XXXX XXXX was not going to do anything and were just stalling for time. 
When I came and told American Express about the situation, and I did not get what I paid for. They should have refunded my money, back to the card, They took his word for fixing this situation. Knowing all of the steps that I went to try to remedy the situation before I even came. As of XX/XX/XXXX, he tried to retaliate against me for reporting him, as he picked that day to tell me that he was not going to refund my money or fix the situation. After all this time saying otherwise. During the dispute period you told me that I did not have to pay, you took it out of dispute. and did not tell me. Now the card is in arrears. When this situation didn't have to be.They also violated my Hippa rights by photocopying my personal medical records and sending them to American Express. Who does that?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XXXX $ was wrongfully taken out of my account and I was charged {$700.00} and they closed my account a few years back I can get all the information. I still dont know what to do.

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 2021-06-01
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I fear that this might cause me trouble in my futures credit transaction and so. I want this to be taken care of.

Company response to consumer: Closed with explanation