BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank ( Sony XXXX ) continues to charge you interest on balances that you have already paid in full. They claim that because your account isn't paid in full after an arbitrary date they set up on an account update then you are out of grace and as a result accrue daily interest charges even you have paid the amount in full. I also take issue with your statement not being updated in real time on their website thus make it impossible for you to pay your balance off completely without having to call and get the additional interest charges disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father in law ordered service from XXXX XXXX. He put the service on delay for the winter because he traveled. When he got back, he was told he was in collections. They used my name as a creditor for him and then put me into collections. He never received one thing from them. After fighting with both XXXX and Credit Collection Services, I just paid the {$120.00} to get rid of the aggravation and asked them to remove from my credit report. After paying, both companies refuse to remove from my report. I refuted this with XXXX and they took it off my report but the other 2 companies still have it on. So for {$120.00} false charge, I now have to pay over {$2500.00} in closing cost. I will be seeking a lawyer unless XXXX XXXX removes this from my report. They said it's not their policy but it's also a bad policy to bill someone errantly, never send any notice, then put a mark against their credit and then do absolutely nothing to resolve it once someone pays it. All I am asking is for an email stating they will remove this from my report so my credit goes back to 800+ where it belongs. 

Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # 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 Thank you

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 2019-05-15
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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as these are not mine. I have filed a report with FTC and contacted my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: MRS BPO, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, 2019, I received a letter from XXXX XXXX , XXXX, which stated that they represented XXXX, XXXX in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XXXX, 2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to XXXX, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XXXX, 2019, I received another letter from XXXX  with an attached letter from XXXX. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, MRS BPO , LLC, indicating that my failure to dispute the debt within 30 days would result in MRS declaring the debt valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a certified letter to the 3 credit bureaus with regards to TransWorld System Inc. My specific complaint was the re-aging of the account. The original creditor is XXXX ( XXXX XXXX XXXX ), they are the local electric company. 

This debt has been paid. Neither the collection agency nor the utility company dispute this fact. 

I contacted XXXX and was told the original date of delinquency dated back to XX/XX/XXXX. I explained to XXXX that the creditor was still reporting this file beyond the 7 year statue of limitations. XXXX instructed me to contact Tranword System. 

I contacted Transworld system and was told to challenge the inaccuracy on the report. I explained to Transworld I had already done so.

Transworld sent me a copy of the last bill XXXX billed me for, dated XX/XX/XXXX. 
I explained to the Transworls agent, and several supervisors, that XX/XX/XXXX was the LAST date of delinquency and not the first. I was then instructed to call XXXX to get proof. 

I called XXXX and spoke with several layers of supervisors. I explained that Transworld was reporting an incorrect date. They said to talk to Transworld. I asked XXXX to please send me copies of all my statements as proof that the original date of delinquency occurred in XX/XX/XXXX. XXXX agrees with my date. However, I was told that XXXX did a computer update XX/XX/XXXX. I was told my request was impossible as all statements of charged off account prior to XX/XX/XXXX have been permanently purged. 

I'm stuck in a vicious circle of the original creditor and the collection agency both pointing the finger at XXXX another. 

It is my understanding that the collection agency must verify this information. Transworld does not seem to want to take the time to understand my specific complaint. It appears all I get are computer generated templates. 

Sending me a copy of the last bill XXXX has ever sent me is terrific. It's not what the complaint is. The complaint is SPECIFICALLY the date of first delinquency of XX/XX/XXXX. 

Can you please help me resolve this and if needed can you guide me on how to sue this collection agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called a couple of years ago to close the credit card account because I had not used it for quite some time. Citibank failed to close the account and continued to charge me annual fee. They were going directly to my bank to withdraw the annual fee, {$25.00} at a time, without my direct authorization. I had not noticed the charges to my bank account in previous years after calling to have the credit card closed. This past year while undergoing a statement review ( because I changed my primary bank ) I noticed the charges in my XXXX XXXX bank account. I looked at copies of the {$25.00} checks from me to Citibank that did not have my signature. I reported it to XXXX XXXX as fraud and asked them to close that account. Then I called Citibank only to find out this was the account I had called to close a couple of years ago. They said they had no record of the cancellation. I told them they needed to cancel it immediately. They claim they have, but that I still needed to pay the {$98.00} fee because I called to late to canceled the account ( the annual fee posted in XXXX and it was now XXXX ). This is the most ridiculous thing I have ever heard! I asked for copies of the charges I have made in the last 36 months so they can show evidence of account activity. The people I was allowed to speak to did not have the means to produce that information, nor will they because the account has not been used - hence the reason for closing it. They simply reassertion thar the account was now closed and I was responsible to pay the {$98.00} annual fee. Citi continues to claim the debt and is now charging me late fees for not paying the annual fee for the card ( no purchases mind you ) and reporting me to the credit bureaus for delinquency. This is a rip-off of the highest degree - almost as sleazy as XXXX XXXX shenanigans a few years ago. I would like your help to stand up for principle. I have the means to pay the stupid {$98.00}, but this kind of abuse by these big banks needs to stop. They should not be allowed to operate above decent and fair business practices. When I used the card years ago to book a trip, I paid my entire bill to them on time. They are asking for money they dont deserve for a service I turned down long ago. What was once a useful and mutually beneficial business relationship they have managed to turn into a pile of rubbish. I will never do business again with them or any of their affiliates.

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: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I use XXXX XXXX for credit monitoring purposes and in XX/XX/2019 I discovered that a collection account was added to my report without my knowledge. I never received notification in the mail that the account was in collections nor was I given the ability to dispute the validity of the debt and I was not given the right to request information to verify the debt. Further, I never received a phone call/voicemail letting me know someone was trying to contact me regarding 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 2020-12-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE LAW FIRM FOR CITI BANK TRY TO SERVE A SUMMONS AND COULD NOT BECAUSE I WAS NOT THERE ON XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Company will not give me clear information on repayment options. I called today because I keep getting emails that my account is delinquent, the lady was very rude and abrasive with me. She was telling me the only option I had was forbearance and wouldnt answer my questions about the differences between the repayment plans. She also told me that my account was automatically put into forbearance following a major hurricane in my area. The lady from Navient ended up hanging up on me because I wouldnt let her get away with not answering my questions. They say I owe XXXX for ONE semester at XXXX XXXX

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: Account status incorrect

Complaint:
credit report shows payment to XXXX XXXX for XX/XX/XXXX was late. Payment was not late. All payments were on auto-pay. No payments were late.

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: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by XXXX XXXX. After receiving the notice via mail from the creditor, they referenced Equifax as the provider of data. I pulled my Equifax report to find XXXX XXXX had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to XXXX  XXXX dated XX/XX/2017 via USPS Certified mail with Return Receipt. XXXX XXXX received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although XXXX XXXX never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX file but did not remove the negative entry from my Equifax file. Due to XXXX  XXXXXXXX XXXX failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: JPMORGAN CHASE & CO.
State: WV
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:
THIS ACCOUNT IS NOT MINE, I WAS ONLY authorized user while working for company. PAYMENT WAS NOT MINE FURTHERMORE IF IT WAS MINE IT WOULD HAVE BEEN INCLUDED IN MY BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I have filed a report with FTC and contacted the police. I'm doing this on my own behalf. There are still items on my credit that are not mine. Bankruptcy Chapter XXXX-discharged, FOR YOUR EYES ONLY, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Account with no name but a account number # 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. Thank you

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 2019-07-03
Company: SIMM Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a company representing themselves as " SIMM Associates '' regarding an apparent XXXX debt. They have called me from spoofed phone numbers & not their legitimate toll free number. They have not actually sent me anything in the mail. But I do not currently have any debt with XXXX as of XX/XX/2019. I have paid the collections agency that notified me via mail. They are leaving me messages saying to call back with a reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
On XX/XX/2022 I sent in a FCRA XXXX letter. I didn't receive a response back. I then sent a 30 day Validation and still didn't receive anything back... furthermore they did not receive my consent, no consent is identity theft. Under 15 USC 1682b Permissible Purpose of consumer reports ( a ) In GENERAL- Subject to subsection ( C ) any consumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. Concerning the accounts listed below as a consumer demanding deletion of these accounts. 
XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX - ACCT # 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 2019-07-03
Company: TRANSWORLD SYSTEMS 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: Was not notified of investigation status or results

Complaint:
In XX/XX/2019, I received an opened letter from Transworld Systems Inc due to it being misdelivered to another adress and immediately sent them ( Transworld Systems Inc ) a debt validation letter. Transworld Systems Inc received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from Transworld Systems Inc via mail nor by phone and the negative entry remains on my credit files ( XXXX, XXXX and XXXX ). Due to Transworld Systems Inc 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Over the past few months GM Financial has not been applying payments made from my financial institution to my account and ultimately have reported inaccurate information on my credit report showing late payment history. I have never been late and it is an internal problem with their company. I have attempted to rectify this on multiple occasions with multiple people at GM Financial and they are unwilling to return phone calls to me when requesting to speak with a supervisor. I have documentation of payment history attached to this complaint. This has negatively impacted my ability to pursue a refinance on my home due to their internal error and negative reporting of payment history on my credit report. What could be so hard about looking up the last name on my check to accurately report my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft and it seems that this is never ending miserable issue for me. The credit cards with Department Stores National Bank/Macys with account ending XXXX was opened fraudulently not by me. I disputed this account with the original creditor and they had told me that this account was already closed due to fraud and the accounts was deleted from my credit file. I submitted a federal trade commission identity theft report that they had sent me years ago for this fraudulent account as well. Now, this account is in collections and I don't know how it was transferred to a collection with wrong information when it was closed due to fraud. I have even forgotten how many years back this account was opened and closed due to fraud and removed off my consumer credit report. This is not only frustrating but it is also causing a negative impact to my name for an account I never had opened to start 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 2019-07-03
Company: KEYCORP
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home equity loan with key bank about three weeks ago. They initially declined me for too much debt to income ratio. I spoke with their Mortgage Broker and it sounded like they made a mistake in that they specified that I would NOT be paying off the unsecured debt, which was not the case. The Mortgage Broker caught that mistake and she re-processed the loan application, specifying that we WOULD be paying off the unsecured debt with the equity loan. Another week and a half or so and they came back and said we're declined. The initial explanation was verbal from the Mortgage Broker. In  the verbal explanation was that our debt to income is still not sufficient. On XX/XX/19, I emailed the loan processor again asking for a better explanation in writing and I off-offhandedly speculated and asked " could it be that there somehow counting my dependents and some how discriminating against the size of my family. '' To my shock and surprise on XX/XX/XXXX she replied in an email saying my number of dependents is indeed a factor. I believe size of a family should not be used to discriminate against in applying for credit.

Company response to consumer: Closed with explanation