BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased a pet through XXXX. In order to purchase the pet the same day, I applied for a credit card. When I applied, I was told that there would be no interest charges on the balance and that the balance would continue to go down as I paid. I agreed to apply and accept the credit card mainly for this reason as I planned to pay it off in a couple of months. My documentation that I signed does not have any APR % listed nor did I receive any documents stating I would be incurring interest charges. In addition, the rep at the store specifically stated that i would not be charged interest so I assumed this was like and " in-house '' credit card owned by XXXX. When I received my first bill, I paid the minimum amount but the 2nd bill came back with interest charges. I contacted the credit card company on or around XX/XX/2020 after receiving my 2nd bill and noticing the additional charges and that my payment hadnt been fully applied to my balance. The rep I spoke to said that the only way that I would not be charged interest is if they had applied a promotion on the card. This was after I informed them that the store rep told me that I wouldn't be charged interest and my docs do not list anything regarding interest charges. I also stated that I was never given a time frame for no interest charges after the rep informed me that the promotions only last for 12 months. So I filed a formal complaint which they stated would be investigated. They pretty much took about 2 weeks to " investigate '' and tell me that I had to pay interest charges. They stated that " my  purchase did NOT QUALIFY TO BE PLACED ON A PROMOTIONAL PLAN ''! THIS IS PRETTY CONVENIENT AS NO ONE EXPLAINED ANYTHING ABOUT WHAT, HOW, OR WHY A PLAN WOULD QUALIFY FOR A PROMOTION AS NO PROMOTION PLAN WAS EVER EVEN MENTIONED, ONLY THAT THERE WERE NO INTEREST CHARGES!! MY ISSUE WITH THIS IS THAT THIS COMPANY PRACTICED DECEPTIVE AND FRAUDULENT PRACTICES. THEY SHOULD NOT BE INFORMING CUSTOMERS OF ONE THING AND THEN CHANGING TERMS TO ANOTHER. I WAS TOLD I WOULDN'T BE CHARGED INTEREST SO I SHOULDN'T BE AND WOULD LIKE THE INTEREST CHARGES AND PAYMENTS TO BE REFUNDED TO ME. XXXX   AND COMENITY BANK ARE NOT TO BE TRUSTED! I wish I never had purchased from them or signed up for this credit card. I will definitely be paying this off this month and closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citi because of a promotion I saw to receive XXXX XXXX XXXX  miles. I met the requirements for the promotion ( promo code XXXX ), but I still have not received the miles. The offer said it could take up to 90   days after meeting the requirements to receive the miles, and it has been significantly longer than that.

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 2020-01-20
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/XXXX Someone opened a cable account using my information, I contacted XXXX XXXX once the person had moved from my home and they turned the cable off but didn't pay the bill, on top of that they didn't tell me it was in my name. Well i disputed this back in XX/XX/XXXX and everything had been deleted off of my report and everything had been taken care of. and they had even apologized for allowing someone to open an account in my name. Well recently a company named credence resource mana contacted me saying they have a new account XXXX from XX/XX/XXXXand I explained to them the situation how it had been removed years ago and how could it just automatically come back. They told me it was my problem they didn't care how old it was, and that I would have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX bank took car back bc I was moving and could n't work at time and they would n't lower payments or help me out with anything just took car back knowing that 's how I made my living and my kids too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received results of an investigation from XXXX  on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( XXXX, XXXX, and TransUnion ) fail to do their job in deleting the items.

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 2019-08-29
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a background check done with a company I am starting a position with. LexisNexis reported that I have a misdemeanor on my record! It was merely a minor traffic violation - a speeding ticket over 14 years ago! ( which should be expunged from record anyway ). 
It happened on XX/XX/XXXX. Court case # XXXX. Court disposition date XX/XX/XXXX. This was in the state of VA, I did not go to court as I was traveling from XXXX - visiting my sister, back to XXXX, XXXX. I paid the fine through mail. 
My ex-husband is a XXXX and even states this should not be listed as a misdemeanor, there was no criminal act or accident or damage done. It is a speeding ticket! 
I called LexisNexis on XX/XX/XXXX as soon as I was shown the record. I was transferred all around by non-english speaking reps and basically told thats what it shows and a dispute would take 40-60 days. This is for employment starting in 2 weeks and it is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SLM CORPORATION
State: NY
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 contacted XXXX XXXX about a Sallie Mae hard inquiry found on my credit report, that i did not authorize. They said I should talk to Sallie Mae.I need Sallie Mae to remove this from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
on my loan with XXXX XXXX they reported me late 30 days for XX/XX/2020 they told me verbally on phone it would NOT be reported due to Covid I was a little late NEVER have been before I was waiting for unemployment to kick in I have never been late and was told they will not report they did and it took my score down on ALL # credit reports.

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 2020-06-25
Company: Ascension Point Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX ( XXXX ) Account Holder DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Regulation Z gives borrowers the right to cancel certain credit transactions, including a lien on a borrowers dwelling, to regulate some credit card practices, and to provide consumers with access to fair and timely credit billing disputes. 

Regulation Z is enforced by the U.S. Federal Reserve Board and the Consumer Financial Protection Bureau. However, the Dodd-Frank Wall Street Reform and the Consumer Protection Act of 2010 transferred most responsibility to the CFPB. 

My Auntie passed away XX/XX/XXXX. Several fraudulent purchases where made while she was on her death bed and other purchases where made after she died .My Aunt XXXX never abused or maxed out her credit cards. XXXX never gave consent for anyone to use her credit cards. She never authorized any authorized signers on any of her accounts. I want all these fraudulent credit card purchases to be carefully reviewed, and i want all charges cancelled due to fraud. My aunts spending patterns where simple. She always paid in full, never left a balance and hardly never used her credit cards. Why weren't these unusual spending patterns noticed? Its negligence on the creditor part for not noticing unusual patterns, large purchases a. I am the Personal Representative of her Estate, and I want to make sure all of her affairs are in order. 

RE : XXXX, XXXX XXXX Local Case Number : XXXX Filing Date : XX/XX/XXXX State Case Number : XXXX Judicial Section : XXXX Consolidated Case No. : N/A Case Type : ADMINISTRATION My name is XXXX XXXX DOB XX/XX/XXXX I'm the Personal Representative of the Estate of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

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 2019-07-15
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/2019 I contacted my mortgage company Pennymac regarding a cash-out refinance, due to an ad that had been placed in my monthly statement. I was put in contact with XXXX. XXXX, a loan officer with this company ( his NMLS # XXXX ) regarding the possibility of doing the refinance. We live in a condo in XXXX XXXX, CA and I was advised by this agent that our one bedroom unit was being appraised at {$210000.00}, and that in fact a unit identical to ours was just sold for {$220.00}. According to this advice I contacted Mr . XXXX on XX/XX/XXXX and told him that based on this information we would proceed with the application. He advised me that we would have to pay for the appraisal upfront, and that the appraisal I would have to obtain would be {$440.00}, although he had mentioned previously that he could attempt to obtain an appraisal for {$170.00}. That did not happen, and we proceeded to pay Pennymac for what I thought would be an appraisal that would allow us to proceed. Within two days an appraiser was here at our property, accompanied by a lady who was the photographer. After raving about our place he seemed more interested in discussing the problems with his teeth than checking any of the usual items an appraiser would to make sure were in good functional condition.But as soon as I told him I was a health insurance broker his conversation was centered around teeth and the work he needed to have done. His assistant took a lot of pictures, and they left. The next day to my consternation his appraisal did not even come close to what Mr . XXXX had suggested it should be. It came in even lower than what we paid for the property at {$190000.00}. thus killing any opportunity of doing the refinance. I believe this really was a very unfair way to treat a good customer of Pennymac who has always paid his mortgage payments right on time. I feel I was mislead by Mr . XXXX. In trying to contact the company regarding the {$440.00} they had taken from me just two days prior it was nearly impossible to connect to any person. After about two hours of asking for a supervisor or anybody who I could speak with I finally reached a gentleman who promised to contact the people in charge, but not never happened. I wrote Pennymac but they ignored my contact. So now I am submitting his complaint as I feel I was not told the truth, the appraiser they sent was deficient in his obligation of providing a fair appraisal of my property, and as a senior who has to work at age XXXX 6 days a week I have lost a significant amount of money for no good reason. I believe in all fairness I should have been contacted by Pennymac regarding my letter, and that all I heard from Mr . XXXX when I asked if there was any remedy was that he guessed the loan was a dead issue. I believe I have been treated unfairly in this situation and would like my money back. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX CHASE MTG XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately.

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : CHASE MTG XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified XXXX, XXXX, and Equifax that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Integrated Recovery Services
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
filed a complaint with CFPB on XX/XX/XXXX about the unwanted calls to my work and my husband 's cell phone. The company responded on XX/XX/XXXX, that they had closed my " case '' and would not call again and had only called one time. 
In fact they have called repeated times prior to my original complaint with the CFPB complaint XXXX. The company started to call again on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}, BANK XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} or XXXX XXXX or XXXX XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase somehow lost my money and locked my acct Then my acct that have been linked were unauthorized charges and money in my Coinbase acts started being sent out with out my approval Then locking my acct and charging me fees and not getting back to me or letting me withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, XXXX, EXPERIAN and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.

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 2021-04-07
Company: ID Analytics, Inc.
State: OK
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:
Within the past year, I've applied for loans ranging from car loans to credit cards and I'm presented with data that indicates a company doing business under the name " SageStream '' is collecting information on me and providing it in error to lenders. This started with a car loan that I was not given approval for due to erroneous information contained in a report this particular finance company acquired from Sagestream. 

Upon contacting Sagestream I learn that every single determining factor the bank used to make a decision about my credit was wrong. I contacted Sagestream, which is no small task since their company appears to be just a network of voicemail transfers - but when I did finally make contact they provided no way to rectify this situation other than recommending to lock my account. 

I have since applied for various things and several of those lenders are denying me credit now because my Sagestream account is locked. The easy solution is what I've adopted, and that's to simply not do business with any company that does business with Sagestream but it's completely unfair to have your credit held hostage by such an incompetent and blatantly dishonest company. This company has profited from selling my data - data that's not correct and potentially negatively affecting my finances.

Company response to consumer: Closed with explanation