BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Bread Financial Holdings, Inc.
State: IL
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:
It is from XXXX XXXX. About a XXXX XXXX XXXX and XXXX account. Several months ago and again today, my daughter forwarded me a voicemail she received from them about my account. She also said that my ex-husband 's ex-wife had asked received a call from them about my XXXX XXXX XXXX account! 
The same day I also received a similar voicemail. It is very menacing Man by the name of XXXX XXXX, and said he were sending someone over to my home or my place of employment between XXXX and XXXX XXXX and I " better be there with a government ID ready to sign papers. '' The message also had a phone number and account reference for me to call so I did and they told me to verify last word is my Social Security number, which I at first didn't want to but finally did. This is how I learned then they represent as a third-party collection for XXXX XXXX. 
I contacted XXXX XXXX last year and asked for a payment arrangement, since I had become XXXX, and my income is severely limited, and Landlord had told me he was selling my unit and I had to move in the next 60 days, and I had no prospects or idea where I was going to be living. But I told them I want to pay my bills, and I wanted to make an arrangement to pay soon. Instead, XXXX XXXX actually advised me not to pay it, but to instead look for housing, and they also told me that my income is protected since it is Social Security XXXX. I asked them not to call myself or anyone related to ever again. They went through their databases, ostensibly, and said they must have looked at whatever XXXX XXXX XXXX accounts had my same last name and called everyone with the same message. They said they would no longer do those practices with me. 
I have all the menacing and threatening voicemails which I and my daughter received stored and saved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Control Corp is trying to collect on debt that does not belong to me. 

XXXX XXXX is trying to collect on debt that does not belong to me. 

XXXX, XXXX is trying to collect on debt that does not belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XXXX XXXX, XXXX my spouse went to withdraw money from our checking account at Chase. Upon doing so, it was discovered that most of our money had been depleted from bot our checking and savings account. My spouse immediately went into the bank and notified them that 2 unauthorized transactions had occurred on our account. One was to XXXX XXXX in the amount of XXXX and the other was to XXXX XXXX in the amount of XXXX. The bank was informed that we do not have accounts with either of these companies and did not make payments to either of them. 
On XXXX/XXXX/XXXX, Chase granted us a temporary credit of XXXX while they researched our disputed claim. On XXXX/XXXX/XXXX, I was informed that they had researched our claim and that since the payment was made from our IP address, that they would be reversing the credit. Since I do not have accounts with either of these companies, I asked if they had disputed the charges with them. I was told that I had to dispute the charges myself. I attempted to dispute the charges with both XXXX XXXX and XXXX XXXX, but neither company can assist me without account numbers. Since, I do not have accounts with them, how can I dispute charges with out an account number. I am trying to get this information from Chase, but have not been successful!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reached out to the credit bureaus ( all 3 ) on multiple occassions asking them to investigate this account XXXX  XXXX  XXXX  Acct # : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked them each time to investigate this account as it was not reporting accurately. However, they continue to not investigate nor are they putting in comments that i am challenging this accounts accuracy ( Disputing it ). 

Below are the issues that are wrong with this acct : 1. As you can see 2 of the 3 credit bureaus are reporting NO balance but XXXX  is still reporting a balance of {$2100.00}. How is this? How is this being reported as a chargeoff each month when i have no balance?

2. Acct Status : 2 show as derogatory and one shows as paid. This is a paid collection! 
3. High Credit : XXXX  shows a high credit limit of {$2200.00}. Experian shows a high credit limit of {$0.00} and XXXX  shows a high credit limit of {$2000.00}! How can this be if this is the exact same account? 
4. Credit Limit : XXXX and Experian both show {$2000.00} and XXXX shows {$0.00}? 
5. Comments : these are all different and NONE of the credit bureaus show that i have been challenging this! 
6. Date Last Active : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. How can this be accurate? 
7. Date of last payment : XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. 
8. Payment history : the payment history is inaccurate on this as well! 

How can this be? Isn't the information on my credit report ( good or bad ) supposed to be accurate, verifiable and truthful? I have been telling all 3 credit bureaus since XX/XX/XXXX that this account is inaccurate and that if they could not fix it with accurate info that they needed to remove it. 

I am attaching screenshots of the most recent screenshot of my credit report from XXXX where the account is still inaccurate!!

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 2018-02-19
Company: Big Picture Loans, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX and Big Picture Loans solicited me and others in XXXX, MA for payday loans under {$6000.00} with an annual percentage rate much higher than the amount allowed in Massachusetts, without being licensed with the Massachusetts Division of Banks. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, sent me a flier by United States Postal service saying me and 451 people who specifically resided in XXXX, MA were pre-approved to receive up to {$400.00}. I took out the loan ( loan # XXXX ) and paid the loan off in the amount of {$1700.00}. During my loan with XXXX XXXX, they assigned the loan to Big Picture Loans XX/XX/XXXX. 
XX/XX/XXXX, after I paid my previous loan off, Big Picture Loans sent me a solicitation for another loan by United States Postal Service saying me and 34 other people who specifically reside in XXXX, MA were pre-approved for up to {$600.00}. I took out the loan on XX/XX/XXXX, which was approved for {$900.00} ( loan # XXXX ). This loan had an APR of 497.6312. After paying {$640.00} on the loan, I asked Big Picture Loan if they can NOT debit my account the following pay and allow me to skip a payment time because I was having financial difficulties. They told me they could wait until the next pay time BUT I would have to make 2 payments. I had to agree because I had no choice. They were not willing to extend the loan by 1 payment. After having problems with them remotely creating checks on my account without my permission, causing me {$60.00} in overdraft fees, I wrote them a l complaint letter. They offered me a settlement which I approved but they stopped taking funds out of my account. I revoked their permission to access my checking account by sending them a letter. 
I feel these loans were illegal because I have recently come to find out these companies are not licensed to do small loans in Massachusetts, and by these companies being aware of this but still soliciting advertisements via United States Postal Service, they were being deceitful and are liable for refunding all money that I have paid on these 2 loans in the amount of {$1300.00} plus the {$60.00} insufficient fees I was charged on my banking account totaling {$1400.00}. 
If the company would rather have the Massachusetts Division of Banks make a ruling on whether they owe me just the finance fees I paid or the full amount paid for the 2 loans which is {$2300.00}. I would be willing to file a complaint with them and let them make an accurate decision. I would also like a letter stating both these accounts are closed. 
I would like to have this money refunded to me within 15 days via express mail. Any correspondence is to be done by email or certified mail where it can be documented. These companies have cause me long term financial harm. I have enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent several debt validation letters to Transunion over the past 6 months and they do not do any proper investigation or fulfill any of my requests for investigation. I told them about my address being in correct, I sent in proof of my utility bill with driver 's license and ss card, they sent me a stall letter. I asked for XXXX account on my credit to be removed because it could not be validated by company. They still have not completed it. I have a discharged bankruptcy that is not reporting on XXXX or XXXX so why is it showing on Transunion? I have told them this and they have yet to budge on any of my requests and it has been well over 30 days each time.

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 2022-08-10
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies.This has not helped ; thus, these accounts are still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX 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 2020-05-07
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have one accounts with Sam 's Club ( see attached documents ) for over 15 years. Many years we have had a good relationship with each other. I have never had a late payment with them until this crisis. 

I got XXXX  with the XXXX. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

The customer service people was not helpful or pleasant at all with my present hardship. I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. I am still trying to work something out with 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In 2012, I cashed my check for XXXX. I wasnt credited the funds and my account was closed for no reason.

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 2017-08-02
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: Account information incorrect

Complaint:
Since XXXX XXXX, 2017 I have been in contact with all three major credit bureaus to dispute inaccurate account and inquiries. I have an account with XXXX XXXX XXXX which is an auto loan that I still have the car am making monthly payments on onetime the bureaus are reporting as charged off collection account which is invalid ; the bankruptcy ; also all inquires not attached to an account over 30 days old needs to be removed as well all three bureaus had a glitch were unauthorized.

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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I called capital one on XX/XX/19 to get assistance in refunding the last 2 late payment fees. The clerk looked at the account and said a flat out no. I wasnt asked about circumstances or anything. At my place of employment they are doing layoffs. This has been going on since XXXX of last year and Ive been trying to keep up with payments on everything. I finally made a {$320.00} payment on this card to get it where is needed to be. This card is a union plus card and I would think they could help out a little bit. Ive been a capital one customer for some time. I have bank accounts here and Ive referred others here who now have capital one bank accounts. I dont believe it would hurt to get late fees back from such a large company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
After a complaint against Wells Fargo for stealing customer '' s funds {$500.00} with transaction number XXXX on XX/XX/2019 as well as breaching agreement of promotion bonus {$1100.00}, failure to give 30 days closure notice, defrauding consumer, blocking customer transactions such as mobile deposit, internal transfer, business direct pay etc. On XX/XX/2019 Wells Fargo continue to possess customer funds {$3000.00} with transaction number XXXX business direct pay. I have contacted Wells Fargo customer service staff named XXXX ID # XXXX to report lost and stolen funds in order to cover the stolen funds immediately. However he hanged up the call even I have not completed the reporting. On XX/XX/2019 I already contacted the branch located at DC XXXX by giving a copy of promotion offer total {$1100.00} plus my accusations toward unpaid {$750.00} fraudulent checks issued by Wells Fargo. At this time, I really can not tolerate repeated stealing customer funds {$500.00} and {$3000.00} and holding customer funds {$5000.00}. Due to the banks continued blocking the business transaction and choose not to pay promotion bonus, I am asking total {$20000.00} damages because Wells Fargo caused this : bringing significant loss to customer such as {$500.00} loss and {$3000.00} loss, {$5000.00} on hold, {$750.00} fraudulent checks as well as other {$120.00}, {$140.00}, {$45.00}, {$10.00} {$200.00} happened in the past. I as consumer is asking Wells Fargo to stop playing theft yield theft trick and slander towards customer. You must pay me loss.

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: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX freely agreed and signed a valid contract which was breached or violated : The vehicle was not promptly sold ( within 90 days of repossession ), the vehicle was XXXX on XX/XX/XXXX and sold on XXXX vehicle was not sold in a commercially reasonable manner at The XXXX XXXX XXXX XXXX XXXX XXXX referred Pacific Credit Exchange did not provide the required notices properly to my address, XXXX XXXX XXXX XXXX XXXX XXXX  Thats on my ID. I tried to pay and did't get any credit for on time payments for the 2 years I paid. XXXX XXXX referred Pacific Credit Exchange XXXX unrelated fees on the account documents, Plan to sell property show Principal Balance is {$7700.00} the Calculation after selling the property unpaid balance show {$7900.00} The debt balance is incorrect and these or FDCPA violation. XXXX XXXX has committed wrongdoing and is attempting to benefit from this. XXXX XXXX and Pacific credit Exchange keep Charge off and Writing off the debt, Counting it as loss for accounting purposes on my credit report and have Re-aged the account. XXXX XXXX sent direct mail notice on XX/XX/XXXX and on XX/XX/XXXX forcing me to pay additional money other than the debt I owe is considered an FDCPA violation. On XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX that show I made these payments and didt get any credits for on time payments XXXX XXXX referred Pacific Credit Exchange XXXX provide at least XXXX days notice before they cash any check and no Disclosure Verification of XXXX check payment that was made on XX/XX/XXXX that was required. 

Breach of contract by XXXX XXXX, Pacific credit Exchange is not the original creditor, that the contract was not properly assigned to Pacific credit Exchange. The debt is pass the statute of limitations and the debt is considered expired, XXXX XXXX Account # XXXX and Pacific credit Exchange Account # XXXX have no rights to collect the debt and I demand XXXX XXXX and Pacific credit Exchange stop reporting the debt on my credit report. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. ( Civil Code section 2981 ).

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 2019-02-12
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.

Company response to consumer: Closed with explanation