BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan 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:
LOST MY JOB, ALERTED THEM I WOULD MAKE PAYEMNTS AS SOON AS I FOUND WORK, THEY ARE UNWILLING TO LISTEN/BELIEVE ME. PHONE CALLS ARE NON STOP.

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 2019-05-06
Company: Experian Information Solutions Inc.
State: LA
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:
Well I can show proof of inaccuracies and some how credit says Im wrong. Id love to know how much yall are getting paid to scam people!!???!! I mean inaccurate investigations how one could XXXX say Im past due when they ignore me and charge for a product never received!?!? Did yall investigate even I had XXXX protection that covers me in loss of job and injures that both were currently happening?? So Im paying for insurance that what doesnt exist so both credit bureau and XXXX are now by law liable for me to sue!!! How also do I owe for XXXX  XXXX when I show contracts a month to month that I have a bank statement showing I paid? I also had it requested to close hmm because I like way over 200 plus miles away. But credit bureau says no its correct even after submitting proof its not. Sounds like someone is getting paid to report inaccurate info that now has left me no choice to sue plus sue for ever denied credit sorry I tried to be nice and yall XXXX  me as a individual for no reason how did fraud also happen and yall say I owed more than {$50.00} please explain how yall can break the law?? Call me ( 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 2021-06-08
Company: Windham Equity Company
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, 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 information incorrect

Complaint:
i have submitted a letter to XXXX about some items that i asked them to verify with my name on them on XX/XX/2018, and they have not respond to the letter requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: Atlanticus Services Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX  sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX my wife and I went to kay jewelers of Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX and purchased two wedding rings. 
The store convinced me to sign up for their store card on that day, explaining they had a 12 month interest free program. 
I qualified immediately for store credit as my credit was very good. 
We were advised that if we made every payment on time there would be no penalties or fees. 
I utilized there online payment system and setup auto payments immediately. 
We did not receive statements as we were advised to stay paperless and no statements were ever emailed to me. 
Every payment was made on time and in full as shown below : XX/XX/XXXX PAYMENT - THANK YOU - {$150.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$150.00} XX/XX/XXXX PROMO FINANCE CHARGE ADJ {$320.00} XX/XX/XXXX FINANCE CHARGE {$320.00} XX/XX/XXXX PAYMENT - THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX KAY JEWELERS PROMO PURCHASE {$1900.00} When I had checked that the final payment cleared on XX/XX/XXXX I was shocked to find a new charge for " interest for entire year '' of {$330.00}. 
I emailed and called repeatedly for days with no reply until I finally got through today XX/XX/XXXX I was advised by customer service advisor XXXX that there due day was 1 day after the promotional period ended and therefor the interest charge is required. 
He advised that the promotional period end date showed on the monthly statements none of which were ever sent to me. 
I have checked the original agreement and there is no promotional end date on that at all. 
The company set the due dates and i trusted they set those inline with the promotional period as i was advised when I made the purchase. 
I would most definitely have made the payment earlier had I been advised of this. 
I feel extremely mislead by Kay Jewelers and how they represented this promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In the last couple of months, I have attempted to submit a goodwill request to USAA to remove a couple of late payments that had shown up on my report while I was conducting a mission for the military and I was not at my duty location. I had spoken to at least 7 different customer representatives. After requesting to speak to someone from the office of the CEO, they stated that there bank policy did not support goodwill requests and that they would no longer be able to help me further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Now there is another company that opened up an account in my name and it is on my credit report. The company name is XXXX XXXX XXXX. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: Second Round Limited Partnership, Austin, TX Branch
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Now there is another company that opened up an account in my name and it is on my credit report. The company name is Second Roundup LP. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT AND THE I WOULD LIKE TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE NEVER REQUESTED THE DISCOVER PERSONAL LOAN ACCOUNT TO BE OPENED, I HAVE NOT MADE CHARGES ON THAT ACCOUNT NOR I MADE ANY PAYMENTS ON THAT ACCOUNT. THAT IS A FRAUDULENT ACCOUNT AND IT NEEDS TO BE REMOVED IMMEDIATELY. AGAIN, THAT ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE ACCOUNT AND THE CHARGES ARE FRAUDULENT. I HAVE NEVER REQUESTED TO HAVE ANY RELATION WITH DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: AZ
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:
The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report are fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   and the XXXX XXXX XXXX XXXX MasterCard credit card account ending in # XXXX. The following XXXX XXXX XXXX   XXXX Visa credit card account is lost/stolen # 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 2017-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
As a consumer I know my rights when it comes to inaccurate information on my credit reports. Transunion has added multiple inquires on my report in the past months that I did authorize. I have placed fraud alerts on my accounts and security freezes just to prevent this on going issue from happening again. I would like to be provided proof I consented to this inquiry via FCRA section XXXX and XXXX aswell as the accuracy of this inquiry via FCRA section XXXX. If you have no proof immediately of any or XXXX, I would like it removed immediately. 

XXXX XXXX from XXXX XXXX, XXXX + Finance Nfcu/visa Inquiry from XXXX XXXX, XXXX + Finance Discover Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Landmark Cu- Inquiry from XXXX XXXX, XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Union XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX Inquiry from 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 2020-05-01
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX  XXXX loan was opened in XX/XX/2018. Nationstar, XXXX Mr. Cooper was identified as the lender. I attempted to initiate an online XXXX account, however was unsuccessful. The company sent notification by mail to the residence address of monthly payment schedule.The letter indicated XXXX was aware of lendee difficulties in attempting to establish online accounts, and as a result no negative action would be taken against the borrower. 
I was not in the residence until the XXXX week in XX/XX/2018. I began making monthly payments as of XX/XX/2018, and have continued making monthly on-time payments for the successive 20 months since without interruption or delay. 
XXXX began placing negative credit history information within 60 days of late payments beginning XX/XX/2018 indicating the initial payment should have been made in XX/XX/2018, which was clearly negligent as the loan did not close until XXXX XXXX XXXX has denied the XX/XX/2018 reporting, however I have maintained records indicating the error. 
I contacted CFPB then and initiated a complaint against Mr. Cooper regarding faulty record keeping, and CFBP initiated an action based on this complaint and numerous others against XXXX, which resulted in a significant fine purportedly paid by XXXX. 
However, XXXX did not correct the record keeping and has continued to place late payment notifications on my credit file for the past 20 months as a result of an alleged late initial payment in XX/XX/2018. Over the past 6 months, XXXX has also begun levying late fees against my account, which now amount to over {$800.00}. 
I am requesting CFPB 's assistance in pursuing the complaint against Nationstar/Mr. Cooper for failure to correct the ongoing record keeping error based on CFPB 's initial action against the company, and XXXX 's continued failure to correct its records, which has resulted in fraudulent credit reporting and attempts to collect late fees from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Financial Credit Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This year on XX/XX/XXXX, my husband and I both received letters from XXXX XXXX XXXXs stating that we owed {$1200.00} to the apartment complex we previously lived in. I called on XX/XX/2018 to ask what the debt was for and then paid it in full over the phone by debit card. It was paid at XXXX XXXX. I was given a confirmation code over the phone and I also received a confirmation email. I was told that we were good to go and that we did not owe any more money and we would not be taken to court. Then a couple of weeks later on XX/XX/XXXX, we received another warrant in debt from XXXX XXXX XXXX for the same amount of {$1200.00}. I called XXXX XXXX XXXX again and asked why the warrant in debt was sent to us. They stated that there was a duplicate account made and they would delete it immediately and we would not be charged or taken to court. I requested this in writing and received a letter from XXXX XXXX on XX/XX/2018 that stated that our account was paid in full. We then received another warrant in debt early XXXX for the same amount of {$1200.00}. It stated that we are to appear in court on XX/XX/2018. We should not have to go to court and want this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Nelnet, Inc.
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Firstmark Services claims I owe them for a student loan debt that was purchased from XXXX XXXX. I was made aware of this on XX/XX/2021. On XX/XX/2021, I requested validation of the debt within 30 days and was advised on XX/XX/2021, that a copy of the promissory note would be sent to me with 2-3 business days. It is now XX/XX/2021, and I have been provided absolutely no documentation to validate this debt is mine. Firstmark has since reported the debt to credit bureaus ( even without the ability to verify its validity ) and has continued to attempt to collect the debt while it is in dispute. I received notices this week via both email and physical letter that the account is past due, even though the validity of the account is in dispute an unresolved. It has been almost 45 days since I requested validation of the debt and I have been provided nothing while Firstmark continues to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was approve for a XXXX XXXX credit card through synchrony bank with a limit of {$300.00} dollars. Now I only have a credit limit of {$100.00} dollars. Why is that? I never use the card. The card has always been in good standers. At this point this is completely bullying. Why approve someone for a credit limit and then take it back. Is this my punishment for not using my credit? and if so this is totally unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I opened a coin base account and transferred {$5000.00} into my XXXX wallet within the account and purchased XXXX XXXX coins for {$3000.00}. After this I transferred XXXX back into my bank no problem. so now I am left with {$3500.00} in my XXXX wallet and about XXXX XXXX coins. After this for some odd reason I was unable to move my money from my USD wallet back to may bank and I was unable to sell my XXXX. whenever i would attempt to make a transaction within my account a message would appear : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''.  Then I proceeded to the link and provide my information. I provided my information correctly multiple times however, coin base system will not verify my identity even though I am who I say I am. So now after developing distrust with coin base my moved my XXXX to a different virtual wallet, but my XXXX is still left locked within my coin base account. Coin base has been terrible with trying to help me. they say their " specialists '' are taking a look into my case and when i ask them who the specialists are and where their offices are they have no answer. I would juts like my XXXX in my XXXX wallet back into my bank. 
Coinbase : " We have been experiencing a high volume of escalated cases recently and would like to thank you for your understanding and your continued patience while we review your account. XXXX # XXXX If your request is cleared, well send you an email. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation