BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-30
Company: Continental Services Group, Inc. d/b/a ConServe
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Kriya Capital, LLC
State: IL
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 am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDENCE RESOURCE MANAGEMENT, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I received two calls from XXXX ( XXXX ext XXXX ) stating I owed {$450.00} on my comenity rewards mastercard. That the reason I had not received any bills is because they are now coming inside catalogs and are probably being thrown away. He said I have received one late fee of {$30.00} but could not pull up my charges. Also stated that when he tried the website froze. 

I hung up with him ( asking if I could call back - I did not ) and called XXXX/Comenity myself. I found out they had no record of my XXXX bill being delivered, so this fraud stole my XXXX bill somehow. My actual charge was much less. I paid it off and closed my card. This person and whomever they work with should be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
This information appears on both my XXXX and XXXX credit reports. I do not have any responsibility for this account. I have requested and received no proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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:
Multiple accounts that are not correct are reporting on my credit report XXXX XXXX XXXX XXXX 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 2019-01-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I found a new credit card on my credit report that I did not authorize. It was with Citi bank. It was supposedly opened on XX/XX/2019 reported on XX/XX/2019 with a limit of {$5600.00}. I never signed up for this card and have not received a card in the mail. I am worried that it might be identity theft.

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 2018-06-13
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
In regards to a XXXX  small business card I have called to make sure was active. I was told the card could be used at XXXX XXXX, I went in for service and discriminated against. The video can be downloaded for free as a guest at this link - XXXX XXXX XXXX Futhermore the credit card company has provided false advertising in regards to the terms and use of the card.

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 2018-06-06
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is with penn credit at the XXXX County clerk of court,  XXXX Florida. I had an arrangement for court fines for XXXX down and XXXX a month for remaking balance, on XX/XX/XXXX I called penn credit and gave a updated debit card info and was not told the payment did not clear. On XX/XX/XXXX, penn credit took XXXX payment from my account, I received a letter stating, my license would be suspended on XX/XX/XXXX this is the same account that penn credit deducts payments from, my XXXX account for. I was told to make another XXXX payment on XX/XX/XXXX and make payments for the suspension fee would be resolved. The suspension was not resolved but penn credit continues to deduct funds from my checking account for XXXX County clerk of court. They are not biding to their own agreement, but are taking funds my account. If my account was no longer valid for the arrangement. They were not to take funds from my account, up to this day they have dedecuted funds my XXXX account, but have not went by their agreement plan for services. The customer service reps who I have spoken to since XXXX, has told me different stories, lies, rude and absolutely no resolve to this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a mailer with a unique code to apply for a HSBC checking account in XX/XX/2019, with an offer for {$350.00} bonus if bringing in {$10000.00} new money in the bank account. I immediately transfer the money in and wait almost 6 months ( since the promotion said bonus will be posted 6-8 weeks after 90 days ). After 5 months I contacted customer service to see what's happening and they said they will open a case to see why it's not posted. Noone contacts me and 1-2 weeks later I called them again, they said my account is disqualified because of 2 reasons. The 1st reason is i have had a relationship with them before in the last 3 years ( and when I asked them what relationship, they couldnt identify or tell me anything about it ). There is no location near me so I couldnt have had one with them, and they couldnt find it in their system to give me more info. The 2nd reason is that they didnt find an offer attached to my account when it was opened. This is ridiculous since it has a unique code send to me, and when I clicked apply, the offer was successfully applied.

I feel like HSBC is de-frauding me and not giving me the bonus as advertised, and the reasons they give me for denying me the bonus is bogus and there is noway I can prove anything or disprove anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I have tried several times to remove inaccurate and unverifiable off of my report. This is hindering me and family from a financial goals and purchasing a home in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were in the modification process with XXXX XXXX  when it was sold to M & T Bank in XXXX of XXXX. The modification process continued with M & T Bank via XXXX XXXX XXXX. It took M & T Bank/XXXX XXXX XXXX an extreme amount of time to process this modification. The modification was completed on XXXX XXXX. The closing cost was {$14000.00}. The was no detailed breakdown of the closing cost given. The costs were identified as interest, costs an expenses. On XXXX XXXX a late fee refund of {$620.00} was returned to us. We called an wrote to M & T Bank & XXXX but could not get the details needed to explain what we were charged for processing this loan. 
A second modification was processed with M & T Bank/XXXX XXXX XXXX on XXXX XXXX. The closing costs for this modification totaled {$11000.00}. We had the exact same problem of not obtaining details of the closing costs of this loan. On XXXX XXXX, due to a " M & T quality review '', {$3100.00} and {$380.00} was returned to us due to an overestimation of fees and costs.Still, M & T Bank & XXXX refused to give us detailed information in reference to the closing of this modification. 
In XX/XX/XXXX, we filed a complaint with XXXX XXXX to get closing cost details of both modifications ( Case # XXXX ). XXXX XXXX could not obtain details of the closing costs. 
All settlement companies that I have ever delt with, supplied details of the closing costs. We have been trying for years to obtain this simple information. 
I suspect that the costs of the first loan were also overestimated. How would I ever know without M & T Bank & XXXX reveling the details of both loans?

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 2019-01-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2018 I opened a Citibank Account Package online. The terms for new account bonus were " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : -Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
-Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. '' I fulfilled all the conditions above and left the funds in the checking and savings accounts for a couple months. However, until now I still have not received the {$400.00} bonus. Furthermore, on XX/XX/2018 I also contacted Customer Service via chat and submitted a dispute about this issue but also have not heard anything since then. 

Please look into this request and issue the {$400.00} bonus as promised. Thanks.

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 2018-06-20
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have tried to get these two collections off of my credit bureau report through all 3. They are very old. XXXX and XXXX.one of  the companies are no longer in business and XXXX XXXX XXXX is still trying to collect for {$120.00} and XXXX XXXX XXXX is not in business anymore. 

XXXX XXXX service is an old account for {$120.00} and has been paid. They will not take it off. Its old from XXXX. Actually XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The inquiry was made on XX/XX/17. The loan amount was {$4900.00} at a interest rate of 58.65 %. I was coming out of a divorce trying to make ends meet. I have called several times trying to get refinance or even a settlement option. Everyone that i spoke to gave me and answer saying that don't know those options or the system will tell us when your eligible. I have been paying on the this loan for over a year and still owe {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions 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:
XXXX XXXX Credit Card Report # XXXX for XX/XX/19 both cards ending on Experian report account last XXXX XXXX & XXXX page 3 of  10 show ( ND ) in which the payment was made on time> Experian has error after error in reporting the correct information. Also Experian wants to blame the reporting company it goes on and on with Experian reporting info correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a Wells Fargo " Cash Wise '' credit card with 4 promotional balances ( 0 % interest ) right now expiring in different dates : On  XXXX 's statement the balances were as follow : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$720.00} expires on XX/XX/XXXX - Balance of {$900.00} expires on XX/XX/XXXX - Balance of {$4300.00} expires on XX/XX/XXXX The due date for this account is on the XXXX of each month and I have never missed a payment on the account. I made a payment of {$500.00} on XX/XX/XXXX. I am making payments above the minimum focused on paying off the balances that expire the soonest which would be XX/XX/XXXX and XX/XX/XXXX XXXX. 

I received the next statement on XX/XX/XXXX and these are the balances after the {$500.00} payment was applied : - Balance of {$1000.00} expires on XX/XX/XXXX - Balance of {$670.00} expires on XX/XX/XXXX - Balance of {$840.00} expires on XX/XX/XXXX - Balance of {$4000.00} expires on XX/XX/XXXX So if you notice, the two balances that expire in XX/XX/XXXX received only {$77.00} and {$51.00} respectively and the largest percentage of the payment was applied to the balance that expires on XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and I asked them : How am I supposed to pay off those balances that expire in XX/XX/XXXX, when most of my payment is being applied to the balance that expires in XXXX? 
The guy couldn't give me an answer. He just told me that they split the payments among all the balances. 
He then passed me to a " supervisor '' that couldn't give me an answer either, she repeated what the first person told me, and she told me that someone from the corporate office will contact me soon. 
I asked her if their expectation was for the customer to pay interest even though the customer is making over payments to try to avoid paying interest and her answer was that it wasn't intentional. 
I have other credit cards that offer promotional balances and the great portion of the payments if not all it's applied to the balances that expire the soonest. But with this company the customer would never win, the way they apply the payments is designed to affect the customer even though the customer is responsibly making payments. 

I think that this is another example of the cultural rot inside this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Security Credit Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I just found that Security Credit Services has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
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 a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and NAVY FCU with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Refuse or unable to validate debt, Ignoring my request for debt validation a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I emailed Navient about my loan which I started paying back in XX/XX/XXXX. The original loan amount was {$6700.00} and now, 10 years later, my loan amount is still {$5900.00}. I make my monthly payments and after 10 years of paying it is still that much? So, after emailing them, I got a response in the form of a letter. My middle initial was wrong, my loan number was wrong, they said that I defaulted on two loans in the year XX/XX/XXXX, which I was in the 6th grade in year XX/XX/XXXX, and they say that they no longer handle my loans. They are telling me that my loans are now being handled by XXXX XXXX XXXX XXXX and my information is no longer on Navient.com. I am able to look up my information on Navient and I have been making payments on Navient.com. Please advise me on what to do???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: KY
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:
Since XX/XX/2018 I have disputed the same inaccuracies on my credit report with all 3 bureau 's and Equifax right now seems to be the one not doing their job and following the laws. I spoke to a manager yesterday named XXXX who I reached out to because it had been yet another 30 days since I sent in my XXXX, 2018 disputes and I had not received any communication back from them and even when I called yesterday their automated system said my stuff was still under investigation. Yesterday when I spoke to XXXX she said none of my stuff was in dispute it had all been closed and merchants just replied verified. Although I told her the other 2 bureau 's had already removed the items I disputed with them as well XXXX XXXX repeatedly told me that there was nothing she could do, she couldn't change or delete anything and all she could do was continuously initiate another dispute. I know this is a lie they have removed a ton of people 's inaccuracies every day. I felt like XXXX did not want to do her job. I asked her how did the merchants provide or what proof dis they provide to show that anything was actual and factual and she said the merchants did not say how things were factual and that Equifax does not make them submit that info. I told her it is her job to make sure they are reporting accurately and not falsely because anything else is defamation and she still kept saying the same thing. Time is up I have given them months to correct these errors and inaccuracies to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My balance actually goes UP every month. I have called, and sent numerous emails over the past 60 days with NO RETURN call. I get texts that ask If my Navient problem has been taken care of -- -I reply NO. Nothing else happens. I had been paying interest only for years and did not even realize it. NOticed my balance staying the same and made contact to increase my monthly payment. No balance is higher.

Company response to consumer: Closed with explanation