BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I made formal written requests to Bonneville Billings and collections to stop contacting me and attempting to collect of a debt that I discovered was due to my identity being stolen. 
Bonneville Billings and collections responded with pursuing legal action against me on XX/XX/XXXX. That was suspended due to Covid 19.

Since then, I mailed records of my police records and identity theft affidavit to Bonneville collections with another written statement informing them that this very bad old debt was a result of identity theft. 
Today on XX/XX/XXXX, I received a re-scheduled date of the small claims hearing where they are during me for this very bad debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

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 2018-04-05
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I started using XXXX as a company I deal started using this as the only form of payment. The app work great for the first 2 months. On XXXX18 I was notified that a payment sent to me was returned. I contacted XXXX and talked to several Reps who stated they did not see a problem but would " tweek '' the account. Several hours later I was unable to log into my account. Again, after speaking with several reps I was told I was no longer eligible to use the service. When I inquired as to why was there a problem with my bank account or debit card so that I could try to correct the problem. I was told they could not/would not tell me only that I could not use the app. I was totally surprised as they did not want to help, only cancel my account. This is the only was the company will pay me. They treated me rude and would not tell me why they deleted my account. They also first refused to let me speak to a supervisor. When I finally did speak to one she stated she could not go into detail with me and there was nothing more she would do.?? I was wondering if my account was hacked or compromised, but again she would not tell what the problem was, only that " I '' could not use the app. I have good credit and am financially sound. There are no reasons I know of to be treated this way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX, XXXX  AND TRANSUNION ALLOW THE COLLECTION ACCOUNT WITH XXXX XXXX TO LEAVE INFORMATION BLANK AND INCOMPLETE. XXXX, XXXX  AND TRANSUNION MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! XXXX  XXXX  AND TRANSUNION PURPOSELY ALLOWS XXXX XXXX TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX   TRANSUNION, AND XXXX  ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW.  THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!

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 2020-08-31
Company: Home Loan Center, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I applied for a auto refi loan with XXXX through Lending Tree to get a better interest rate and lower monthly payment about two weeks ago and discovered an error on my credit report. Today, I called and the error had been corrected with an improved credit score of XXXX. XXXX is a scam -- in order to obtain an auto loan with a decent interest rate and payment customers have to agree to purchase GAP insurance. The offer was a 5.1 % interest rate which is better than my present 7.99 %. I refused the deal because the sales rep stated that my payment will increase from {$550.00} to {$570.00} and not decreased. The reason for this offer is that I refused GAP insurance. There is no way my new monthly payment at 5.1 % interest for the same amount of months would increase instead of decrease. This is a total scam, and this company should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My issue is with TransUnion 's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and XXXX XXXX. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time ( XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted TransUnion to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and XXXX! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.

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 2020-12-09
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am now in forbearance but my issue is about the balance on my mortgage. I refinanced in 2006 for {$120000.00} and as of today, owe {$110000.00}. I have asked for documentation showing where my payments are going. I have yet to hear from them. I have asked them to explain to me, how after 14 years I have only paid down the balance by {$8700.00}. 
I think I am entitled to know where my money is going. Something is amiss here and boarders on fraudulent dealings. 
My mortgage has been sold twice to different companies, it started with XXXX XXXX. It is now held with SLS Mortgage. 
If you can help me it would be appreciated. 
Thanks 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 2020-10-28
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credence Resource Management , LLC calls my number from 6-8 times per day, during hours that are not allowed and even on weekends. They are rude, aggressive and insistent even when told Im at work and unavailable. They have become a constant annoyance to my sister, who takes care of my special needs child while Im at work. The harassment needs to stop. They outsource work to employees in different time zones, so there's absolutely ZERO respect/consideration for the Eastern time zone and when theyre allowed to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
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: Information belongs to someone else

Complaint:
I spoke to Equifax on multiple occasions and the still will not remove this account ( XXXX XXXX XXXX XXXX  ) This is a fraud account, this account does not belong to me. I have sent dispute after dispute, equifax does not respond, I have sent certified letters, 90 days went buy and still no response from equifax, but the company nor equifax will resolve this matter. I even had to get a police report. Also XXXX is paid off, never late / closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A {$75.00} cash deposit bonus was promised for getting a direct deposit from my employer. My Direct deposit of {$500.00} was received on XX/XX/XXXX and XXXX 2020 for {$500.00} yet the bonus promo was never credited. The terms of the promotion read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-28
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2019-03-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX and XX/XX/XXXX a late fee of {$38.00} respectively was charged. 
I paid on the due date which is the XXXX of every month. When I spoke with the customer service department, they said that there is a cut off time which is XXXX XXXX. This is not fair because a due date is a due date as long as it is paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CFS2 Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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: Information belongs to someone else

Complaint:
I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Mother had an account with American Express and she passed away in XXXX XXXX As executor of the estate I contacted AMEX to inform them of this fact. I was told initially that I did not have to take over the account and was not responsible for it, which I know is the law ; however I inquired as to certain facts if indeed I did take it over. 
There were two areas of concern to me taking over the account. One was the fact that from the financial crisis of XXXX I lost my XXXX  and home as millions of Americans did, and had to declare a personal bankruptcy, including an AMEX account of my own. My second concern was the fact my Mothers credit limit was low. Since XX/XX/XXXXI have rebuilt my credit very high and am making significant income. I asked the agent if this credit limit could be increased and she told me I could ask for that after the account is moved over to me. I travel some with my work and want to use AMEX for travel purposes, and a low limit is not practical for me. I earn a significant 6 digit income annually. 
So I agreed and took over the account. It was approved and transferred to me and I was now responsible for the debt, which I had no problem with. Obviously AMEX wants someone to take it over so they do indeed get paid as my Mother had no assets and AMEX would have had to write this off. 
AMEX approved me to take over the account right while I was on the phone, I asked for the credit line increase and was told NO, you have a previous issue with AMEX and our policy is not to do anything. SO HOW IS IT they approve me for the account, contrary to their policy, so THEY GET PAID, but deny me for a line increase. If I was good enough to go on the hook for the account and I earn multiple hundreds of thousands of dollars a year and a score over 750, what is the issue. Other than bait and switch on AMEX '' s part to get this account PAID. It was unethical, disingenuous and perhaps illegal. 
I have gone round and round with them on this to no avail. I think this bears investigation and action. if I am good enough to assume the debt with my income and score, I should be for line increase also. What is their criteria ( Score and Income ) for line increases? Is that policy consistent with what happened here???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I booked a travel package through XXXX for Travel to XXXX, XXXX between the dates of XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, President Donald Trump issued a travel ban for travel to and from XXXX to be effective on XX/XX/XXXX due to the Coronavirus. On XX/XX/XXXX, I attempted to contact XXXX, XXXX XXXX and the hotel to inform them all that I will be unable to travel on XX/XX/XXXX due to the Coronavirus proclamation order but I was not able to get through the phone line. When I finally got a hold of someone at XXXX ( Travel agency I used for booking ) In the month of XXXX I was informed that since I did not contact the airline company 3 days in advance that I will not be able to get a refund but only a travel voucher. XXXX also informed me that I will not be getting a refund as well from the hotel in XXXX since they were not alerted sooner. I attempted to contact them but was unable to get through and now I am being denied my refund of {$760.00}. After being unsuccessful in contacting XXXX by phone in XXXX to inform them of my travel cancellation due to the Coronavirus travel ban I initiated a credit card dispute through Bank of America. On XX/XX/XXXX I submitted a credit card dispute through Bank of America and I received a temporary credit on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America stating that my dispute claim will be closed and the temporary credit was reversed and the charge was returned. Bank of America never asked me for any additional documents to dispute my claim and never heard asked from my side. They simply reversed the temporary credit and closed the claim after receiving documentation from the merchant. My claim was never properly reviewed and I was never given an opportunity to respond to the merchant XXXX. Also, merchants have 30 days to respond to an initial claim and afterwards the claim is considered closed. The merchant in this case, XXXX was given 60 days to respond and when they responded on XX/XX/XXXX the case was closed on XX/XX/XXXX. This was unfair from XXXX and Bank of America.

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 2019-02-20
Company: EQUIFAX, 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:
Upon checking my credit score I came upon information containing credit card and loans of some sort on my credit file I was advised to fill out this form to get this situation handled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : I disputed a tradeline from XXXX  XXXX XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verificati

on ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method o
f verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian.

All supporting documents have been 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