BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-21
Company: Receivable Solutions, Inc.
State: SC
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:
I received credit alerts from : XXXX, XXXX, and XXXX that debt collectors Receivable Solutions flagged my accounts for collection. Debt collectors Receivable Solutions flagged my credit file with inaccurate collection Department / Agency / Attorney information on XX/XX/XXXX. The account was opened on XX/XX/XXXX : I have not received any good or services from debt collectors Receivable Solutions and I do NOT now nor have I ever agreed to debt collectors Receivable Solutions to report to my credit files. 
I did not receive any documentation from debt collectors Receivable Solutions to allow debt collectors Receivable Solutions to verify the accuracy of the data before placing their account with the credit bureaus for collection. 
I mailed debt collectors Receivable Solutions a certified letter and it was received XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I gave debt collectors Receivable Solutions a curtesy call verifying that my letter was received, it was received and confirmed by XXXX then I was transferred to XXXX. XXXX informed me that the call was recorded and that it was an attempt to collect a debt after I informed her my call was indeed a curtesy call for mail delivery she then informed me that the account was closed on XX/XX/XXXX ( yet it is still reporting to my credit files ) I asked XXXX how could this be an attempt to collect a debt from a closed account and I never agreed to an account in a first place. She mentioned the hospital that received compensation for my stay and I asked again who gave debt collectors Receivable Solutions my information. XXXX then asked if the line I called from was a good contact number, I clearly stated that Receivable Solutions nor any authorized representative of Receivable Solutions have permission to contact me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was notified of a collections on my account. I did not recognize this company and never received a bill from that company. I tried calling the number listed and it came up to a voicemail called " XXXX '' and I was not able to leave a message. I filed a report with Experian and they got back saying the information is accurate and gave me no new information on this supposed collections. I have no way to contact this company who is trying to collect on me on something that I have absolutely NO record of!

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 2020-08-25
Company: EQUIFAX, INC.
State: AR
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX  XXXX {$710.00} XXXX XXXXXXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted a claim regarding Wells Fargo Mortgage department, committing many illegal acts on behalf of my mortgage. Including the fact they are acting illegally regarding dual tracking on my mortgage. Wells Fargo was in the process of a modification on my loan at the same time they are trying to foreclose on my mortgage. I was assured by Wells Fargo 's presidential office that rental/ contributor income could be used. Then was denied a repayment/ modification being told the opposite.

Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo sent me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage.

I am able to catch up my mortgage in a reasonable repayment modification to keep my home of which I have lived in for the past 10 years with my small children. Falling behind only due to major unexpected XXXX. I am currently back to work full time. I have tried many attempts to make payments Wells Fargo refuses to take.

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 2020-09-11
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: Information belongs to someone else

Complaint:
All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX  that I did not authorize see the attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I recently applied for a loan for {$400.00} on XXXX/XXXX/2017 and was approved and the money was deposited into my account on XXXX/XXXX/2017. I was not aware of the high interest rate APR:666.7 and the fact that I would be paying so much more money back for {$400.00}. ( 13 payments ). I have reached out to the this company but I did not receive any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an income execution from the Supreme Court of the State of New York County of XXXX. The creditors are Midland Funding. At no time did I receive any warning or was I ever notified that I was being taken to court for this. I had no prior notice of this until I was sent the income execution in the mail. Further more, I went on to can you help methe Midland Funding website to check the bill and I see payments have been paid on this account as recently as XXXX of XXXX. I did not make these payments as I did not know about this outstanding bill from XXXX. I never received notice of their intent to sue. Furthermore I am asking for a fraud packet and am getting a run around. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
My student loan, is owned by Navient. Up until XXXX, XXXX, I've either been in their forbearance, or deferment programs. However, from XXXX XXXX, they inconsistently listed my account as 'late ' by 90 and 120 days. However, my account was in good standing, for the previous month ( s ). Example : XXXX & XXXX, XXXX, shows my account 90 & 120 late, but XXXX, XXXX, and XXXX, my account is in good standing. So, how can I be 90, or even 120 days behind? XXXX and XXXX, would have had to be 30 and 60 days, behind, but they are being reported as in good standing. This is the case for XXXX & XXXX, where Navient is inconsistently showing, my account, as 90 & 120 late, when the preceding month ( s ), are in good standing.

I've sent all three ( 3 ) credit reporting agencies, a formal dispute. All but one ( 1 ), XXXX, have removed the in formation. I even wrote Navient, and they refuse to either correct, or remove the items in questioned. Replying, that I was late, and that my deferment didn't cover the dates they are reporting. Their reporting is skewed, and without merit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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've tried submitting my disputes to the credit bureaus to fix a couple of errors but it seems impossible.

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an email on XX/XX/XXXX from CapitalOne stating that they were decreasing my credit limit on 2 credit cards. One by 60 % and the other by 80 %. I have been a customer with one of those cards for 17 years. I have had zero late payments. I called customer service because I am also in the middle of refinance and its not clear if their decision will affect my closing date. CapitalOne is saying their is nothing they can do. I escalated to management and the same was said. This will affect my good credit score of XXXX. They've said that my letter explaining in more detail is in the mail, the only explanation in the email states that's its because I'm not using enough credit. In the past I've never had my credit reduced, if anything over the years it's increased without me asking. This also puts consumers at risk with its poor business practices, this will decrease my credit. Additionally, if I close these credit cards that will take an additional hit on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid my final payment and asked for closure of the account on XX/XX/XXXX. I called the company on XX/XX/XXXX to make sure the card was closed and my money was returned to me. The customer service agent was rude and did not offer any information. I sent several message via the internet website for closure and return on my security deposit. No response. I contacted the company again on XX/XX/XXXX and XX/XX/XXXX for closure and return of my security deposit of {$300.00} to be sent to me. I have written 3 letters to the company asking for closure and return of my money. It does not take over 2 months to close an account and write me a check for my money. This company is committing fraud by stealing my deposit and not returning it to me immediately. I expect this company, bank and or credit card to return my deposit of {$300.00} to me immediately. I will file as many complaints as possible until everything is restored and all money plus interest is paid to me.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Multiple inquiries on my Transunion account were done without my consent. I should maybe 3-4 hard hits on it but it shows XXXX!!!! 

I called them and asked for help and they didnt help, they informed me even with proof of incorrect inquiries they wouldnt do anything.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$960.00}, {$7300.00}, {$300.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- PERSONAL ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$300.00} -This is not my account.

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 2020-11-26
Company: Trident Asset Management, L.L.C.
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:
XXXX credit card is not mine it is identity theft XXXX dollars trident asset mgmt identity theft for unknown amount and XXXX XXXX it was opened by fraud ive spoke to all 3 agency and they refuse to help so I want those 3 item off my credit report I have no knowledge of them and they refuse to help and these companies have no proof I opened anything in an otr driver please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My XXXX points with American Express Membership Rewards are on hold at least since XX/XX/XXXX and I already missed several opportunities of transferring some of these points to airline partners because of this hold. Today I found out again that my points are still on hold, almost 8 weeks since my first inquiry. I called again today and was just told that they don't know why my points are on hold. I have several cards with American Express and they couldn't even tell my which card triggered the hold. I am a customer since 2005 and this has never happened before. 

The representative said that it could either be from getting a new sign-on bonus ( opened a new business card for a new business in XXXX but did not receive any bonus ), from getting refunds ( I had a few smaller refunds due to travel being cancelled with Covid-19 ) or  for " suspicious activity '' ( does not apply to me ). 

It is very frustrating to have cards with a company for 15 years and then be treated like an outlaw over membership rewards points, which is one of the selling points for American Express. What's the purpose of membership rewards points if I am unable to use these? There is absolutely no transparency in this " review '' process with referrals to the " back office '' which supposedly does not have phones. No messages, no names, nobody to talk to ... just like the mob.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01
Company: BlueChip Financial
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: TX
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:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquiries are listed below : Experian : XXXX  XX/XX/20

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 2018-10-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have disputed this matter with Experian a number of times submitted prof this was paid in full. But Experian has ignored my complaint and has not remove XXXX XXXX XXXX XXXX still shows me as owing money. I need XXXX XXXX XXXX XXXX ending in XXXX. I am contacting a Attorney if they don't delete this.

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 2020-08-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an alert from my credit monitoring service on XX/XX/2020 that my credit card with XXXX via Comenity Capital Bank had been closed. I contacted their company that same day. My account was paid on time and had no issues. After speaking with their rude and unhelpful customer service agent & supervisor, I was informed that it was closed due to inactivity and that I would need to reapply for the account again. The account was closed on XX/XX/2020. There was no prior notifications sent from Comenity and they didn't have the correct address on file for me. The reason for inactivity is due to COVID-19. This a card that can only be used at XXXX Facilities which have been closed since XXXX in my area. Also, this card is for car related repairs but again due to COVID-19, I have not used my vehicle due to government mandatomed quarantine.

Company response to consumer: Closed with explanation