BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Everest Receivable Services Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They was paid off in XXXX, by XXXX debt relief  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX, that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers

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 2018-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/18 as I went to purchase a ticket for a flight to XXXX on the XXXX XXXX website, I saw an ad to get the XXXX Mileage Plus credit card. It offered a couple of things that attracted my attention including a {$100.00} credit after my first purchase. I clicked the link and it took me to Chase Credit card website. I filled out the application which was approved and then clicked the link back to the XXXX XXXX. I was unable to complete the ticket purchase at that time because I didn't see the new Mileage Plus credit card number to use. I contacted the credit card company and was told I'd have to wait to get the card in the mail to complete the transaction using the new card. Which I did in approximately a week. After I've made purchases I expected to see the {$100.00} credit. I called the company on XX/XX/18 to find out the status and was told that I didn't follow the link when i applied but that they would pass the request on to their marketing dept. On XX/XX/18 I received a letter from Chase customer service stating I didn't qualify for the {$100.00} credit. I believe that I was misled by their advertising. I clearly clicked the link to get to the Chase website to make the application and am deserving of what they offered. This is a copy of their ad/link : XXXX? CELL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Ditech and while I have been making payments to my loan, they have not posted my last three payments properly. The put three full monthly payments into an unapplied account and as a result, my loan appears to be past due four months. I called on XXXX XXXX, XXXX to bring this to their attention, they apologized and stated they were n't sure why it did that and promised to correct it and correct any negative credit reporting this issue had caused. Now today I look and nothing has been changed or corrected. This finance company has no right to not give me proper credit for the payments I 'm making toward my debt. Today, they tell me there is a loan modification in effect but I have not asked for one nor do I want one ; their intention to do that would be to undermine all payments and progress I 've made toward this loan over the past 12 years. I informed a representative over the phone around the XXXX or XXXX XXXX time frame that I had no intentions of modifying my loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Greenlink Financial, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I called GreenLink Financial regarding a Flexible Personal Loan offer I received in the mail at XXXX. I was told I had conditional approval and that they need it to go over some information. I was transferred to the person named XXXX. He took my personal information and said that they will do soft credit check and will call me with approval in an hour. He asked for last 4 digits of my SS #. The call back never happened. XXXX gave me his direct number and told me he will call me within the hour. I was asked if I give him an approval to for a soft credit check. I tried to call back at his direct phone number at ( XXXX ) XXXX but the phone doesn't work. I also called the general number from the offer I received and I was unable to connect with anybody. I placed fraud check on my credit reports and locked the reports since then. I am concerned about being a victim ID theft and financial fraud. 
This appears to be a scam and fraud. 
The phone call took place on XX/XX/19 at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: GA
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 have since received more emails and dispute info on my credit report and this continues weekly if not daily. I was told by telephone several times that what one person does to stop this and clean up the report and remove the comments I requested another one comes along and reworks it and files more disputes which overrides it. There are 61 and hundreds of emails. I don't know how to make this stop and my hope of a mortgage Experian has destroyed. I did not request any of these. 

Complaint filed XXXX Experian will not stop sending emails and opening new disputes and once all comments are removes another person in their company comes along and puts them back on. 
This has gone on for over 2 months. I have as that my original request be removed if that is too confusing for them. Delete it or something just STOP. 

What would it take to just correct the report and just 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 2019-02-26
Company: EQUIFAX, 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:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a account with Td to take advantage of checking bonus of XXXX. I did NOT go to a third party website and didnt click on any offer. I went to the td website. I selected the Convenience checking account to earn XXXX. The offer was on the website. If it wasnt I would have never open the account. I've called to verify this after opening the account in XXXX which can be verified by my call log. Then I called today the supervisor says I might of went to a third party website which completely false. I bookmarked the offer page from the td website and so to say there was no offer is misleading and is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice This was the website I orginally went too on XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied at a XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) for a credit card on XXXX XXXX, 2018. I never got the credit card or the requisite decline letter from XXXX XXXX explaining that I have been declined for credit and stating the decline reasons + sources of information for the data used in the decision. I believe this is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently submitted a complaint, XXXX, against Wells Fargo for overcharging me for flood insurance and they just increased the amount again before the original complaint was resolved. This certainly appears to be retaliation. My mortgage payment per the original contract is {$1500.00} and they now want {$1500.00}. That is a lot more than the {$9.00} per year in the initial bill. I don't understand how they are allowed to continue in business with their well documented history of mistreating customers.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 please remove this fraud inquiry from my credit report.

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 2019-02-26
Company: Ability Recovery Services, LLC
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this claim requesting help. I previously enrolled at XXXX University, while being enrolled my mother had a XXXX. I had to leave the state and go home to take care of my mother. I followed every procedure that I was in constructed to follow to not take the next semester of classes. I even asked XXXX could I get out of my current class due to my mother being in XXXX. My mother doctor as well as her nurse spoke to XXXX and inform them of my mother status. 
XXXX inform me they dropped the classes but later I learned the classes were not dropped. I spoke to Financial Aid in which they advised me I could turn the check over and this would cancel all charges. I asked the representative was this legal being I did not attend the next semester of classes? Because I said no XXXX put a charge of {$1800.00} onto my credit report. I do not agree with the charges being I followed all directions which were listed on their portal as well as my advisor. 
I contacted the Collection Agency whos handling the account ( Ability Recovery ). Ive made an agreement with Ability to pay a settlement amount of {$1100.00}. I honor what I made arrangement to pay and submitted payment to Ability Recovery. I purchase a Money Order threw USPS and mailed it as well. I checked with the Post Office being Ability stated it wasnt received. Per the Post Office not only it was received but cashed. 
On XX/XX/2019, I was notified by my credit monitoring service that Ability Recovery increased the amount and not deleted it. I tried contacting Ability in reference to this but keep getting the runaround. I was informed this would be deleted from my credit report, in which they sent me a letter stating. However, XXXX, XXXX, and XXXX Credit Bureau informed me until Ability Recovery sent something to them the charges will not be removed. Please assist!

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 2019-02-26
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called multiple times by XXXX XXXX  in an attempt to collect a past due balance. They have called more than 3 times in one day, and often times call from an " unknown number '' just to see if I will answer. I have also been laughed at over the phone by their most recent representative, and have been told misleading information about the balance owed and how " past due '' it is. She also stated " We will continue to call every day until this is caught up. '' The calls have been made on : XX/XX/2019 @ XXXX 4 times Wednesday, XX/XX/XXXX @ XXXX, XXXX XXXX, XXXX, XXXX, and XXXX 3 times Tuesday, XX/XX/XXXX @ XXXX, and XXXX. I have multiple records of these repeated phone calls and have been called more times than this. The most recent attempt was by far the worst. The employee laughed in my face, falsified the amount owed, falsified the payments past due, and failed to tell me who she was until midway through the conversation. The previous call on Wednesday, the employee apologized and said they would not be calling anymore because I made the payment, but then this employee calls again saying they will continue to call and that I was still 2 payments behind, which is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I logged in to pay my monthly payment and the amount due was {$0.00}. Payment is due on the XXXX so I trust that the batch processing or database was updated. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, at XXXX XXXX  I received calls from SLS and I am sure I have a Do Not Call note on my account. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and Colorado Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). 

I have attached the statement showing a {$0.00} payment due. The next payment due is 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 explanation
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 and XX/XX/2018 I had multiple fraudulent charges made to my Walmart MasterCard Account XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX XXXX XXXX XXXX for {$50.00} - refunded to my account. 
XX/XX/2018 XXXX for {$550.00} - refunded to my account. 
XX/XX/2018 Balance Transfer for {$1100.00} - still on my account and not refunded. I have contacted Walmart CC multiple times and am told that it is in their Fraud Dept and I will hear back from them soon. So here I sit, months later and am still paying on the balance transfer. They have refunded fees and interest but have not dropped the charge.

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 2019-02-28
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been contacted on several occasions. They have failed to provide me with documentation bearing my signature so that I can validate that this account is indeed mine. They are reporting negative information and it is damaging my credit score. They have completely ignored all correspondence that I've sent. I am demanding for this account to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: MS
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 recently as XX/XX/XXXX, Experian reported an account I had with XXXX XXXX as " failed to pay '' or " charged off ''. This account was closed in XX/XX/XXXX. No other activity has been done to this account since then. Yet Experian continues to report negatively on my credit report. My credit score has tumbled 50 plus points since Experian began doing this. I have disputed this account with Experian on several occasions. Experian continues to update my report after reportedly " verifying '' with XXXX XXXX. However, when I dispute with XXXX for verification, I get no response.

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 2019-02-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank agreed to delete a hard inquiry on my credit report for a Wal-Mart card.

Instead they are forcing me to have a hard inquiry for a card we dont have or want and couldnt be processed.

They couldnt access my reports and did not get permission to access ( fraud alert placed on all agencies-actual identity theft issue ).

They did not send any documents for deletion, which they claimed could be sent by mail only, for the deletion or reduction of the inquiry to soft pull.

They argued that I had chosen to apply and couldnt back out because of their agreement.

Synchrony seems to try and bully people not interested in their store-only accounts into having accounts they dont want. My credit file had a fraud alert and both XXXX and XXXX were locked and frozen when these occurred, I had unlocked XXXX to do prequalified card offers only. 

They had three applications and said they would not process them, but I received emails saying they had processed the applications, and claiming they were unable verify my identity over the phone.

I had actually verified to them at least five times giving them all the info for their records in order to be allowed to discuss the accounts with them, but it was as though they were creating an application while I was protesting, telling me I wanted the card and couldnt stop them from processing.

I explained to Synchrony that I had visited several of their sites in the past but hadnt applied. I told her I had visited WalMart site but only saw partial details comparing two cards. Synchrony argued I had provided them my full SSN and identity info ( which now they claim they dont have ), but they only had the info because they forced me to give all the info to them the first time I called, and every call after. WalMart isnt allowed to build stores in XXXX XXXX, so its obviously unusual pressure to apply for the card even after they ignored my fraud alert. 

I need the inquiry to be deleted. The application was never processed and no one contacted me for authorization prior to access any credit reports under the fraud alert. If they had called I could have stopped the inquiry by letting they know everything was locked. I have a police report for an extended alert as well because I have provided an address from actual identity theft event.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Thursday XXXX XXXX, XXXX and Friday XXXX XXXX, XXXX, I repeatedly attempted to put a credit freeze on my TransUnion account. I tried online, via the automated phone system, and connecting to a representative. The online process and automated phone process would not allow me to proceed to the final step to get a credit freeze. Via the automated phone process, I was re-directed to a phone representative. Each time I was transferred to the phone representative, I only received a busy signal. How do I activate a credit freeze if I can not contact a company representative, or process the activation online, or process the activation via the automated phone system?

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 2018-10-16
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:
I have disputed the late payments on XXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix  this ASAP please Im looking to purchase a car for 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 2018-10-16
Company: EQUIFAX, 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:
I have disputed the late payments on thisXXXX XXXX XXXX account and XXXX   XXXX  XXXX for months.The credit bureaus refused to reverse them. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a car for XXXX

Company response to consumer: Closed with explanation