BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a sofa with my XXXX credit card the sofa costs me over {$1200.00}, I noticed issues with the sofa the moment I put it together. I noticed the quality was bad and how hard and uncomfortable the sofa was. I contacted XXXX and the gave me a {$300.00} adjustment. As time went on, I continued to have more issues witht he sofa. The back pillows are deformed and deflated, the stitching on the sofa is terrible and the sofa is coming part at stitching. XXXX won't offer a resolution to these issues, I will not pay for a sofa that is not even 5 months old and its already falling apart.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23
Company: DISCOVER BANK
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been paying on this loan for about 10 years. And every month I receive late fees of totally random amounts. From {$130.00} to over {$360.00} I receive a late fee every month. This month the late fee is {$270.00}. I have called a hundred times and talked to many people and some say that I haven't been charged that late fee and some say its accurate. But here is why I feel they are lying to me. Early on I tried working with Wells Fargo, I changed my due date with them. Then they told me I was paying my loan too early and the the amount I was paying was tacking on to the previous month and not the current month. Frustrated I asked them to pick the date to avoid this problem, so they did. They picked a date that would not penalize me for being late ( When I never was ) or for paying too early. The late fees keep coming. Here 's the best part, My payment is automatically deducted every month from my bank account. There is no problem with me forgetting because I don't have to remember! Its automatic!! Still I receive late fees from them. I have asked Wells Fargo many time if they can explain why I am getting these charges and most of the time they can't tell my why. They also raise my monthly exponentially, currently my payment is {$670.00} and it started around {$150.00}

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 monetary relief
Consumer complaint received 2018-05-11
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2019-09-23
Company: CMRE Financial Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not know about this debt until i checked my credit score no one has called me nor sent me anything in the mail and i honestly do not remember going to the hospital on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have communicated with the credit bureaus several times about 3 inquiries on my report that I did not make and they have not deleted them from my account. My first communication was sent in XXXX and nothing has been addressed. I sent them an affidavit and FTC report XXXX # XXXX ) and still no deletions, and I feel my rights are being violated due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AARGON AGENCY HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1300.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

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 2019-09-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my 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 2017-11-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
My problem is with Experian Credit Reporting Agency Approximately 3 years ago,, I disputed a number of items on my credit report, especially those that were opened over 7 years ago. They refused to remove it and said it would n't be removed until XX/XX/XXXX ( 15yrs later ). 

I 've been the victim of identity theft and notified them of this also and therefore requested any old information and inaccurate information be removed. 

I 've worked hard to maintain an excellent credit rating and now it 's dropped over 100. This is n't a true reflection of who I am or my beliefs as a person and its ' worth fighting for in my opinion. 

For the record, I had no issues from XXXX XXXX when I made the request. 

My email : XXXX and you have my address please correspond accordingly. I 'd like to correspond by phone but I do n't trust it any more. 

Example : XXXX XXXX opened XX/XX/XXXX, closed and in good standing when closed over 3 years ago ( XX/XX/XXXX ). 

XXXX XXXX XXXX : Opened in XX/XX/XXXXClosed No XXXX XXXX XXXX has ever had a late payment. I made 2 payments in XX/XX/XXXXfor both XX/XX/XXXXand XX/XX/XXXX.  However a late payment is shown in XX/XX/XXXX Asked to be Corrected - No change Remove all Credit System International - Never received a bill. Paid once I saw on the Experian report. 

All Accts below are either over 7 yrs old or not mine ( fraud ) : XXXX Formerly XXXX - Not my acct. 
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 explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.

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 2021-03-07
Company: Experian Information Solutions Inc.
State: AK
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:
In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to Experian 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX 60 days late in XXXX. To Experian XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

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 2019-09-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion shows XXXX 's on my credit file as a charge off and there is no charge off Charge off is the same thing as not paid. 
I have provided a letter from XXXX 's Credit department.

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 2019-09-23
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: Information belongs to someone else

Complaint:
I HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.

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 2017-11-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was recently notified by Equifax that my info was included in the hack of their database. So I signed up for credit monitoring service through them and I tried to file a dispute online about some accounts. When I submit info however the verification questions that come up have nothing to do with me so I have to answer each one does not apply and cant get my identity confirmed to dispute items on my credit report. I brought this to there attention and was told id have to do it over the phone. But when I call them to do it that way they ca n't do it either and tell me I have to file online. Its XXXX XXXX and this company is so incompetent they should never be in charge if peoples credit info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from a collection agency by the name of credit Corp. solutions they stated that I owe the balance to XXXX in the amount of $ XXXX.I contacted XXXX directly they stated that they do not use the credit company and that I did not have a balance and then contacted the credit Corp. solutions and advise them that this was false information and that they were fishing they are vies me that this was an actual date and that I needed to make a payment but when I contacted the original creditor this was not a debt that I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Commonwealth Financial Systems, 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/2018 a derogatory mark was added on my credit report per XXXX XXXX from XXXX XXXX XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
The report on Comenity Capital/ XXXX XXXX XXXX  is highly inaccurate and has errors. The balance is wrong. It should be XXXX  out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been making my mortgage payments on time for the last two years and I see balance amount that is not adjusted to my payments. I 'm being incorrectly charged by PNC and they refuse to send monthly billing statements for the last 2 years. They revoked my online account access only after filing a complaint CFPB they did gave me access to my own account. They are uncooperative in explaining to me how my payments are being applied to the mortgage. Please open an investigation into PNC bank 's mortgage business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: JPMORGAN CHASE & CO.
State: CA
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:
The annual fee of {$95.00} for the card was billed on XX/XX/XXXX. Chase decided to close my account on XX/XX/XXXX. The year for which the card is being billed was never used and, furthermore, if I cancelled the card by XX/XX/XXXX, Chase would have voluntarily ( they admit ) refunded the annual fee. However, because Chase decided to close the card, they insist that the fee can not be refunded and that I owe them for a year 's fee for a card that I don't have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: Paypal Holdings, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I operate a small business and used PayPal for invoicing and payment collection from my customers. About six months after I provided a service to one of my known customers, she was reviewing her credit card statement and did not immediately recognize the name of my company as it appears on a credit card charge. She contacted her credit card and reported an unauthorized transaction. Paypal notified me about the challenge. I answered the query that I did provide the service. I then contacted my client and she was aghast and called her credit card company, XXXX, and withdrew her complaint. About six weeks later, PayPal sent me an email from XXXX and told me that I had to transfer the amount, {$650.00}, into my account to cover this charge back. 
I recontacted my customer and she provided to me her XXXX XXXX statements that show that she has paid the {$650.00} to PayPal. There was a charge, followed by a credit, followed by a subsequent charge. PayPal has been paid, yet they are making an official effort to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: Reverse Mortgage Solutions, Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. 

I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. 

Please Help if you can. Thank you.

Company response to consumer: Closed with explanation