BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-02
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was applying for a loan of XXXX with XXXX. there were several things they required before the loan was approved. one being that I verify my checking account. I never verified my checking account with them. which I thought means the loan application was not complete. but somehow the loan was approved and deposited to my account. I would have refused the loan except the deposit was made to my account with a negative balance making it imposable to rescind the loan. now the company wants me to make twelve XXXX payments to pay back this loan. they have already tried to receive two payments which has cost me XXXX in overdraft fees. I never finished their loan process so I don't know why they deposited the money into my account. not being able to stop the loan because of the negative balance. I am now stuck but I didn't want the loan that is why I didn't finish the process. I am living off social security I cant afford to make these outrageous payments. I do realize that the XXXX needs to be paid back. I suggest that two payments of XXXX a month with a final payment of XXXX on the third month to repay the loan. I realize that the total repayment equals only XXXX but that reflects the XXXX it has already cost 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 2017-10-04
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me every single day several times a day. They use a private number so I cant see who is calling or even call me back. They leave voicemails that are threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: DISCOVER BANK
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received an inquiry from an bank pertaining to my credit but I have never contacted nor spoken to anyone from the bank nor have I filled out any information online stating that I authorized anyone bank to pull my information and check my credit for any purpose. I was a victim of identity theft so this can also very be the same situation due to the fact of my information still being stolen. I received the notification via email through credit karma alerting me that there was an new inquiry on my credit report. In which my information was falsely used without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: W.J. BRADLEY MORTGAGE CAPITAL
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had a debt with WJ Bradley that was originated in XX/XX/XXXX. The company filed Bankruptcy in XX/XX/XXXX. We never received any documentation that specified who the new creditor was going to be. We did not make a payment for months, we were contacted by the new creditor via a phone call. My wife made arrangements to catch all the payments up that were in arrears via a phone conversation. We never received anything " official '' from the Creditor which is XXXX XXXX. We never received any documentation of how the payment plan was supposed to work, when it began when it was over and what the total cost of it would be. Since this is a debt that accrues interest I would hope that they would need to provide that. The website to XXXX   XXXX has a phone number that instantly goes into a voicemail that was full, the email address bounces back and there is not a listing I can find for the business or corporation in the US.  We were asked to wire funds to a bank called " XXXX XXXX  a Division of XXXX XXXX. Their beneficiary is XXXX XXXX XXXX town in the XXXX XXXX. My wife was hesitant to wire funds to the XXXX XXXX so she asked for an address to send a check. She ordered a check through XXXX XXXX Bill pay in XX/XX/XXXX and it has come back to us uncashed. She had the address that was given to her via an email along with the correct account number that was provided yet the check came back after 4 months. I can not find a phone number, a working email to the company ( heavens knows who that person is my wife has been corresponding with VIA email ) I have no trustworthy way of communicating with this " entity. ''

Company response to consumer: Untimely response
Consumer complaint received 2019-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 I saw on XXXX XXXX XXXX and XXXX were reporting that between XX/XX/XXXX and XX/XX/XXXX my balance increased from XXXX to XXXX dollars. On XX/XX/XXXX I drove to my local Kohls store to ask why as to the best of my knowledge neither my wife or I have used this card. Store clerk said I would have to call the 800 number on my card as she had no way to tell, I paid the XXXX dollars with her and went home. On XX/XX/XXXX I called the 800 number and was told that since my wife was the primary on the account he could not tell me what the XXXX dollars was for. My wife has been in the hospital since XX/XX/XXXX and still is. All I wanted to know is what the XXXX dollar charge was for. I spoke to a supervisor and he told me the same store that it was Kohls policy to only speak to the primary account holder. 

I asked how do you have the right to place anything on my credit report and yet wont tell me what it is and he related that was Kohls policy. I don't feel this is moral, I really cant believe it is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I made an online transaction of {$2500.00}, using the Bank Of America banking phone app, to send money to a friend. The app claims that it only required a phone number to be able to send money to the correct recipient. Both my friend and I are enrolled with Bank of America mobile banking. I entered my friend 's phone number and transferred the money. My friend got a text message confirming that I made the transfer, but the money never got deposited to his account. On XX/XX/XXXX, We called Bank Of America to ask what going on. They explained that the money went to a different person. They briefly explained that there was an error in the process of registering account with phone numbers. And there was another account associated with my friend 's account. We filed a a claim with Bank Of America on the same date. On XX/XX/XXXX I called Bank Of America to ask for an update, and was told that my case got closed without anything they can do because the person who had my money didn't have enough money in his account to return my money. I was told to seek my own legal counsel, and denied all responsibilities, even though they're the one at fault for transferring my money to the wrong person. The law services I've been contacting would not want to take the case because the dispute amount is too little ( but it's not for me ). I don't want to lose my money for I did not make any mistake. I don't feel like it's my responsibility to clean up this mess.

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 2018-12-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called XXXX  customer care and then emailed them- they don't answer emails correctly or don't read English. They have me on hold for a long time and when the customer service agent answer the phone they keep transferring me to another agent then to another agent and then all over to different departments as if they are incompetent to answer my question. They have poor customer service and don't answer the phones - extremely long wait times! I ordered on my birthday month which is XX/XX/XXXX - On XX/XX/XXXX I ordered by my XXXX  credit card Order Number : XXXX and I didnt ' get double the points as they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX, XXXX still nothing from them. The negative items are still reported on my Credit Report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX  XXXX {$24000.00} XXXX XXXX XXXX {$7900.00} XXXX XXXX XXXX {$0.00} Collection XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$490.00}

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-08-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
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: Problem with personal statement of dispute

Complaint:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 1. Account name : Toyota Motor,  Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/ XXXX.. 2. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Reporting on : XXXX/XXXX.. 3. Account name : XXXX XXXX, Account # XXXX, Date opened : XX/XX/XXXX, Account Balance : {$210.00}, Reporting on : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account information incorrect

Complaint:
In XX/XX/2015, I ended my lease early from Nissan Motor acceptance Corp and as part of the deal to get us into another Nissan, the XXXX XXXX agreed to absorb the payments. Upon purchase of the new Nissan I didnt not receive a bill or call from the company. 
I recently applied for a mortgage learning that this bill is on my credit report as derogatory and I am unable to get a mortgage. I called Nissan and they were able to produce the attached bill but said they were unable to accept payment because the debt was so old and they didnt see an open account to apply a payment to. They did an investigation and determined they wont accept a payment or remove it from my report. 
Nissan motor acceptance Corp told me that this particular dealership had many customers fall victim to this. 
Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore my mortgage servicer mailed me a Proprietary Modification saying 1st trial payment due XX/XX/2019 amount XXXX. The escrows are incorrect because my Homeowner insurance monthly payment is incorrect. 
XXXX XXXX the relationship manager was contacted of the payment being incorrect because my homeowner insurance premium was reduced. per XXXX XXXX she was going to provide this information to the processor so my mortgage payment could be reduced and adjusted for the correct payment. 

See Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: FORD MOTOR CREDIT CO.
State: VA
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:
This account has been written off and I am being garnished toll this trying time we have here with covid. XXXX, XXXX, XXXX, and XXXX have been garnishing my pay and I have never done business with this law office. Not only i can not afford a garnish, how is this legal to take frome? Continuously ripping me off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Franklin Collection Services A representative of this company called a line that is not registered to my name or my spouse 's name. This was a family member 's phone number. We have never used that phone number for any of our contact information. The representative then failed to verify their identity via social security number as they did later when I called back. 

They then released all the information about the details about the debt to that family member. 

I was made aware of this today, XX/XX/2020, and I called Franklin Collection Services. I spoke with a supervisor who said they are not required to verify identity further than confirming their name. The supervisor said she would investigate the phone calls and listen to the specifics. I told them they had in fact released the information to a third party. I informed them I would file a complaint and contact an attorney about this breach of information. 

Harassing a family member and continually calling a line not associated with neither I or my spouse. 

Releasing personal financial information to a third party Failing to see anything wrong with the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; SOUTH CAROLINA 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 2020-02-10
Company: Exeter Finance Corp.
State: PA
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:
Exeter finance had first date of delinquency as XXXX-XXXX  then so they could keep this account on my credit report longer they changed it from XX/XX/XXXX to now XX/XX/XXXX. This violates my rights under the fair credit report act as I was late since XXXX-XXXX  and Never brought the account current. I did defer some payments after the fact of being charged late fees as my account was still considered late. This company has already ripped me off of charging me 32000 or more and still trying to collect almost {$15000.00}. They are a scam and I want this removed from my report as they cause me damages and have them fined

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
I 've noticed my XXXX XXXX go down then up then down ( due to an account consolidation - which I understand ) but after it went back up it should NOT have gone down again. 

I wanted to check my credit report due to the security breach and I can not get it from my free annual 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