BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2020 I WENT TO THE XXXX XXXX FOR A CONSULTATION, WHILE THERE I WAS PRESSURED INTO SIGNING UP FOR CREDIT {$8000.00} FOR XXXX XXXX  WHICH WAS {$4000.00}, I WAS MEASURED AND PHOTO TAKEN OF MY HEAD! I GOT HOME AND DECIDED IT WAS NOT FOR ME DUE TO IM A SENIOR XXXX VETERAN ON A FIXED INCOME, I HAD 3 DAYS TO CANCEL AT WHICH TIME I REACHED OUT TO THE HAIR CLUB THEY WERE CLOSED ON MONDAY, ON TUESDAY WHEN I FINALLY WAS ABLE TO REACH THEM TO CANCELL I WAS TOLD BY THEM I WAS 1 DAY TOO LATE AND THAT I COULD NOT CANCEL AND WILL NOT CANCEL CAUSE THEY MADE ME HAIR OVER NIGHT IN THERE LAB, I TOLD THEM I WAS NOT INTERESTED AND WANTED TO CANCEL, THE XXXX XXXX BEGAN BILLING ME FOR {$3700.00} WITH LATE FEES! I TOLD THE BANK COMMENITY THE SITUATUION THEY FILED 5 DISPUTES ON MY BEHALF ONLY TO HAVE XXXX XXXX REFUSED TO CANCEL, ON XX/XX/2020 XXXX XXXX GAVE COMMENITY BANK {$1500.00} BACK AND CONTINUES TO BILL ME FOR {$2200.00} THEY REFUSE TO GIVE THE BANK BACK ALL THERE MONEY THEY TOOK THE {$3700.00} FOR SERVICES NOT RENDERED OR WANTED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, I received and reviewed my credit reports from XXXX, Equifax, XXXX and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, Equifax and XXXX and asked for verification on where this information came from. The results were, XXXX told me they verified these records through a third party company, XXXX gave a vague response that it was verified as accurate but did not say from whom. Equifax said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Experian Information Solutions Inc.
State: SC
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:
As has been the case for more then 18 month, Experian has transmitted through the United States Mail information that they know to be false, in statements concerning investigation a legally authorize dispute. Additionally due to their insecure credit reporting which offers not process of verification of accuracy, Experian has subjected me to attack by others or entities, and reporting their issues because of their lack of statutory security and verification process inaccurate reporting. 

Specifically Experian is maintaining the almost accurate report on this consumer, XXXX XXXX, Not XXXX XXXX XXXX, the additional XXXX isn't accurate, which means the report isn't accurate. Experian as advised by two credit lenders is maintaining and merging two separate credit files, one accurate associated with this consumer, and a second one operated by some entity or person using similar information. 

The merged report that Experian is subjecting me to has a name of XXXX XXXX XXXX, while removing the name from this consumers report, they refuse to remove the inaccurate information from the report. Specficially XXXX Bankruptcy XXXX is reported as XXXX XXXX XXXX, not XXXX XXXX, additionally the additional merged report operated by some person is using address XXXX XXXX XXXX, XXXX, SC XXXX, and social security number XXXX, which isn't this consumers. If the name has been removed from the report, and while similar in numbers, the number of XXXX isn't mine, since mine is XXXX. I advised Experian that their utilizing that address is creating this merging situation but they refused to address the problem. 

Specifically Experian isn't investigating anything, they are blanket stating that they verify information, as stated the bankruptcy belongs to XXXX, not XXXX which is this consumer. Experian reports an account previously removed but reinserted without the statuory requirement of notification, in the dispute on report XXXX, they removed the name that isn't verified as mine, while not removing the erroneous address of XXXX XXXX XXXX, XXXX, SC XXXX. As stated in previous disputes Experian states that creditor report this address, no creditor on my report report any such address, that's materially false. XXXX with account number XXXX, couldn't possibilily verify because on its first point its name is the name that they, Experian just removed. 

As further proof of the failure to safeguard this consumers information, the following inquiries were obtained with the following social security number but appear on my credit report, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Appfolion residential screening

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 2020-09-05
Company: HEAD MERCANTILE CO., INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I looked at my credit report and noticed a collection account listed from Head of Mecanticle Co with the amount of {$910.00}. I do not remember this debt taking place. I never recieved any email or letter ins the mail in regard to this debt. I would have never have allowed it to go to collections if I had known about it. I am trying to apply for an apartment and am not able to get it due to this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
The time period in question was XX/XX/XXXX and XX/XX/XXXX. Covid pandemic in progress. 

Mortgage payments due on the 1st of the month. My bank is stating that I missed 2 mortgage payments. This is reflected in my credit report. 

XX/XX/XXXX - regular mortgage payment of {$1100.00} paid. No problem here. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I paid more than needed. I did not realize my bank raised my mortgage payment to {$1200.00}. The bank labeled this as a missed payment. 
XX/XX/XXXX - mortgage payment of {$1200.00} paid. I thought I was paying the correct payment on time. The bank labeled this as a missed payment because {$60.00} of it needed to be applied to the XX/XX/XXXX payment. 
XX/XX/XXXX - mortgage payment of {$1500.00} paid. No problems here, more than enough paid to cover changes in mortgage, etc. 

I do not feel that being labeled as having 2 missed mortgage payments fairly reflects my situation. If the bank had reached out to me to let me know there was a problem, I would have corrected it right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: BB&T CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had an auto loan with BB & T. That is who the car dealer went through I suppose. Last month my bank ( XXXX XXXX XXXX ) wanted to take the loan as I do all of my other business with them. All the arrangements were made, received the payoff amount and the deal was done. XXXX paid off my loan with BB & T and took over my loan. I received a refund check from BB & T around XX/XX/19 for over payment of the loan in the amount of {$13.00}. Soon after that, I received the verification letter from BB & T stating that my loan was paid off. This letter was dated XX/XX/19. On XX/XX/19 BB & T took another payment of {$490.00} for my loan that was already paid off. I tried calling them but the contact numbers that they have listed are almost impossible to navigate to a real person. Spent about an hour and a half calling and trying to get through to someone. I started posting on their XXXX page what had happened and got a response from a XXXX. She had said to send an email to them ( and gave me an email address ) with all of my information. I sent it and have not heard anything from them. This is my money. I consider it theft. They took money that did not belong to them and I would expect that they would get it it reversed just as fast as if they would have made a mistake in my favor.

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 2020-09-06
Company: Experian Information Solutions Inc.
State: NY
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 od identity theft. My information was used to open an account with XXXX. I have not authorized this account nor have I received any benefits from it. 
As soon as I found out about it, I contacted the XXXX  and Experian and requested that they promptly block the information from appearing on my credit files. 
Instead of blocking the information, they just opened an investigation which did not produce any results. As of today, the account still appears on my credit file. 
This affects my ability to obtain credit.

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 2018-02-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC has gotten in the practice of not posting transactions until late at night in order to charge you overdraft fees after their cutoff for transfers. My account did not appear negative until they charged their over draft fees ( 1 of which they're claiming for a {$1.00} transfer to a savings account XXXX Zero transparency in their online banking. spent 30 minutes on the phone being talked down to about keeping a check log book. I spent more money on their overdraft fees than on anything else and I'm done with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10
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:
violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.

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 2021-01-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with comenity and it is almost impossible to make a payment, resulting in late payments. It takes approximately 4-5 attempts to get in touch with them to pay every month. 

Customer service teams are shut down, incorrect phones numbers are given to make payments. The system is so glitchy it repeatedly drops the call. 

Additionally there have even been a few times when I thoughts I made a payment but it wasnt applied. Thankfully I caught it before it was late the first time, but not the second time. 

Furthermore I have not received bills In Several months, and have requested repeatedly to be put on e-communications but typos in my account ( on their side ) prevent me from signing in to my online account and fixing the issues. Lastly, they will not allow me to shut my account down. It is impossible to figure out how. 

The issues with this company has reached a fraudulent level.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: First Advantage LNS Inc.
State: TX
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 have filed a dispute in regards to incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-12
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-09-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit freeze, identity theft hold on my credit profile. Equifax is reporting credit inquiry from XXXXXXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018. I have mailed a request to Equifax to remove, they failed to follow procedure with credit freeze, identity theft on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
The mortgage payment for account # XXXX with Carrington Mortgage Services was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my XXXX credit report : Company/Account Name : CARRINGTON MORTGAGE SERVIC Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : N/A Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : N/A Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have spoken with Harris & Harris and they assured me they would stop attempting to call me regarding medical debt that I have disputed. In spite of that, they are now calling me at my place of employment. I want this harassment stopped immediately and a copy of this complaint is being filed with my attorney for possible litigation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
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 2018-07-18
Company: TRANSUNION INTERMEDIATE 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:
Several times disputing this item with your company still not removed, please remove the following XXXX XXXX XXXX - No debt owed XXXX XXXX XXXX XXXX - No verification obtainable and the company sent your agency a notice to remove see attached

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