BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: AMERICAN EXPRESS COMPANY
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:
I did use XXXX to see my credit report from XXXX. As of XX/XX/2020, there are 3 inquiries that are not from my action as followed, Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX Amex Date of Inquiry : XXXX I suspect of identity theft from these inquiries and need to fix these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im writing about Conns. I took out a loan to buy a product from their store in XXXX. I made the first two payments and then had a significant change in income. Since XXXX they have called me no less than ten times each day including weekends from 44 different phone numbers. Today alone I received 13 calls from 6 different numbers. I also receive multiple emails each day. I have explained the situation and have asked them to stop and assured them that I would pay when I am able but the relentless pursuit continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. On XXXX XXXX, 2017 I paid my XXXX bill online ( from my online XXXX account ) in the amount of {$30.00}. It was reflected immediately as a debit on my online Chase checking account and deducted from my account balance. 2. On Friday, XXXX XXXX, the afore mentioned XXXX payment was still reflected as a debit out of my account and not included in the " current balance '' on this day. 3. On Saturday, XXXX XXXX, the afore mentioned XXXX payment disappeared from my account and the {$30.00} was added back to my account balance. On this same day I called Chase Bank Customer Service to inquire why my online payment disappeared from my account because it was a bill payment that, by this time, was now reflected on my new XXXX online statement. They indicated that they had no record of the charge and that it would not reappear on my account. I repeat, the customer service rep said the charge would not re-occur on my account. I asked if I should re-pay the bill. They indicated that I should. 4. On Monday, XXXX XXXX, my account still did not reflect the {$30.00} paid to XXXX and was still not deducted from my account, but the Chase rep had told me it would not re-appear, so I was not worried about it. Also, I was aware that my account was overdrawn {$48.00} from a XXXX XXXX XXXX visit so I went to the bank this same day and deposited {$60.00} in cash to cover this charge ( and anticipated {$12.00} tip ) to prevent an NSF charge on my account which would incur the next day, Tuesday, XXXX XXXX. This should have left my account with a positive balance the next day. 5. On Tuesday, XXXX XXXX, the afore mentioned XXXX payment was again reflected as a debit on my account causing an NSF charge, despite what the previous rep told me. I called Chase Bank again and explained all of the above to this rep. She told me that it was the fault of the merchant and that the merchant withdrew the previous approval that Chase Bank gave on XXXX XXXX, then re-issued the payment. This did not make sense so I called XXXX and they confirmed they did not, could not, and would not do this. 6. I called back Chase Bank and this rep told me I could only have so much reversed on my account per year and would not reverse the entire {$34.00}. She reversed {$32.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: Experian Information Solutions Inc.
State: LA
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 below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT 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 2020-05-19
Company: EQUIFAX, INC.
State: LA
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 below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX AUTO, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX   Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions 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 : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$500.00}. 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 ) I am writing to request the method of verification for dispute initiate
d on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -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 2020-09-03
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to validate this debt directly through the collection agency. CSA has been granted more than 30 days to validate the debt and has not fulfilled there obligation. I have attached the validation request : Please assist with removing items from credit report per FDCPA. XXXX  has not conducted a reasonable investigation COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$49.00} COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$430.00} Validation Delivered on : Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX, GA XXXX. The item was signed for A M. 

CSA Inc. 
XXXX XXXX XXXX XXXX # A XXXX, GA XXXX USPS # Tracking XXXX /Priority Mail

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 2020-02-23
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ok, so i put in my complaint regarding Comenity Bank 's predatory late fees and interest charges. I was hoping they would remove the SECOND round of late fee and interest they've charged me. They did not. They replied to the complaint XX/XX/XXXX. Not happy with that but I just wanted them out of my life so I created a login and paid the stinking bill online on XX/XX/XXXX. Now, here 's where it gets interesting. The due date for the amount in question was XX/XX/XXXX. I paid it AFTER the complaint was resolved. Now they are charging yet ANOTHER late fee! These people are unbelievable!!!! This amount was under dispute so the account should have been put on hold UNTIL THIS COMPANY had resolved my complaint and SHOULD NOT BE CHARGING YET MORE EXTORTION!!! I can't believe the gall of Comenity Bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09
Company: Netspend Corporation
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I live in XXXX, Ky. On XX/XX/2020, I went to Va on business and used my card. Upon returning to Ky. I was trying to check my balance on my account and couldnt remember my password and had to call customer service to get it reset. They in return redirected to the fraud dept and they told me to submit 2 proofs of identification to establish my identity. In return via email a few hours later after midnight on XX/XX/2020 they closed my account saying my identity couldnt be verified? It was my state ID and Social card, it was definitely me?!! The email said they were going to be mailing out the funds to the card holder to the address within 10 business days. Well, I waited and I called and customer service assured me that, yes MY funds were coming to ME! On XXXX the XXXX, I called again, and that's when I was notified that my funds were actually sent to VEC ( Virginia Employment Commission ) .on XX/XX/2020? ALL, my funds? there were ABSOLUTELY NO FRAUDENLY TRANSACTIONS ON THAT ACCOUNT..NONE?!!!!! I can see them sending my LAST DEPOSIT to VEC, but not my ENTIRE ACCOUNT BALANCE?! My refund taxes, and stimulas check were deposited on that account? The account was in good standing?! Why send my whole account to VEC?! I retained and attorney XXXX XXXX and we have reached a man named XXXX XXXX who said that VEC signed for the check, but as of today, nothing has has been verified? And no one is answering my attorney and Mr. XXXX said the check would be re-issued after 120 days if not cashed. Its been 120 days, and nothing from Mr. XXXX, and my Attorney is trying to get my funds sent to me asap?!!! A certified letter was issued to VEC by my attorney trying to get answers regarding this issue, but nothing has been answered as of yet?! We need answers?! My attorneys number is XXXX XXXX XXXX XXXX, and his name is XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been a Cabelas XXXX XXXX card holder for XXXX plus years. I had one issue during that period that was easily rectified. In XXXX 2018 Cableas switch to Mastercard, during this transition I received no statement so I called them, I paid them over the telephone and mailed the remainder total amount due immediately that same day. I have never carried a balance over my 30 years of having a card. 

Since then I received a new statement {$1200.00} new balance, no previous balance, but includes an interest charge, {$59.00}! the interest charge they claim is based upon a pre-projected amount I usually charge of {$3900.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.

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: Specialized Loan Servicing Holdings LLC
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 status incorrect

Complaint:
SLS incorrectly reported our information to the credit bureaus as being 31-59 days late. They successfully correctly my information, but did not correct my wife 's information. XXXX is still showing 31-59 days late on her report. XXXX  and XXXX  have been corrected.

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 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Dates : 1. XX/XX/XXXX 2. XX/XX/XXXX 3.  XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/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 2020-10-28
Company: Continental Finance Company, LLC
State: VA
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 called this company XXXX and sent a letter to their address that's on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX to verify an account that their agency is reporting on my credit report but no one there seems to know anything about an account using my SSN, DOB, and Full Name.

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 2017-08-09
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, 2017 my credit was ran through SageStream, which I have never heard of. Said my score was XXXX? My XXXX score is XXXX and XXXX is in the low XXXX, seems a little strange. So when you call to get a report from SageStream it directs you to their website. Website directs you to call or send a fax to a phone number and include a ssn and other personal information. I called again and tried to speak with someone, pressed one, and got put straight into an automated voicemail. Something is very wrong here. For two credit reporting agencies to be about the same on scores and this one to be so much different and unable to be contacted without faxing in personal information. Something doesnt seem right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 the mortgage on the home owned by both my wife and I was transferred fro XXXX to New Rez also trading as Shellpoint mortgage services LLC. The house is in both our names and the mortgage is paid by each of us paying a portion through our individual bank accounts. We have never had part or all of the mortgage past due let alone close to the expiration of the grace period. Every month The mortgage company applies all or part of our payment to principle only or unapplied funds and sends notice that we are late on our payment. Unfortunately I didn't keep all mortgage statements but have enough to prove our claims of payments being categorized as over due when they are not! I am providing copies of both our bank statements to collaborate this claim.They have charged us late fees and withdrawn them from payments without permission. I have recieved and included 2 letters threatening to report us to the credit bureaus. Our bank statements should no doubt prove we were never late or short ( underpaid ) and this problem stems completely from the company 's inability to apply the two payments properly. When trying to resolve this I have been told that their computer system can't process partial payments. My response to this as I have and continue to believe that this is NOT OUR PROBLEM!!! On every statement there is a message that partial payments are held until the balance is paid, but in all cases this has turned out to be false as both parts of our payment are in their possession before the due date and even recorded on their own statement. I woul d like New Rez to stop applying our payment to principle and or unapplied funds, STOP THREATENING US.< and remove all late charges and other fees that we do not nor have ever owed. I would also like a copy of both my and my wife 's credit report from all credit agencies to prove that all false reports were either never reported or removed. In addition I would like corrected mortgage statements that don't show late charges and other fees. The account # of the mortgage is XXXX. The House is in the Name of XXXX XXXX XXXX and XXXX XXXX and the address is XXXX XXXX XXXX XXXX Maryland XXXX. I would also like to point out that unless it is unlawful to pay our mortgage from 2 accounts we will continue to due so! Both accounts are in the names of the two people listed as the owners. Thank You

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation