BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: Big Picture Loans, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of XXXX. I got the loan, but the email they sent me shows they want me to pay twice a month, {$400.00} a month instead of paying once a month and the interest is through the roof. I told them I was scammed. I want to pay them off, but for what I owe them not all of that interest which will total several times more than what I borrowed. I am sick and have been off work. I can not afford interest fees in that amount. Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: DC
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:
This is a fraudulent account opened by someone who stole my identity. Therefore, I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Macys has been linked with multiple data breach where people personal information including payment details have been stolen https : XXXX https : XXXX I have previously contacted Macys to report this account as fraudulent and was told to file an identity theft report which I did and is include in this dispute. I have also included a NOTICE TO FURNISHERS and a copy of my previous and current drivers license to show that I have been continuously living in the XXXX XXXX XXXX since 2012. I have never received any paperwork, contract agreement, bills, goods or services at my address shown on my drivers license. 
I respectfully request that Macys provides me with the following : Signed contract or agreement showing my name and address ; Copy of my drivers license, social security or any other relevant information ; Any goods or services that was received ; Any bills or receipt that was sent to the address ; Proof that Macys attempted or contacted me regarding this account ( certified mail, letter, etc ... ) showing my address. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including this right : Any attempt to collect this debt without validating it violates the FDCPA. 
Until Macys provide concrete evidence requested above, the Consumer Financial Protection Bureau must take action to make sure that I am protected from those unfair acts and practices Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt. If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and Attorney Generals office. Civil and criminal claims will be pursued. 
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 2021-09-03
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past 10 months I've been getting calls from the SLS customer service. I've spent at least 12 hours trying to correct.

2 calls a day, 6 days a week.

They've penalized me for not having insurance, which I have, and have provided support based on their request.

They're penalized for a payment, which I've never missed. I've provided bank statements and support based on their request. 

They owe me XXXX in unapplied funds from XXXX. 

They owe me XXXX in back payments from XXXX. 

On XX/XX/XXXX, I spent 2 hours working through the system with 4 different areas. Everyone I spoke to acknowledged the error, but I just received another reject notice.

I've submitted all ppwk as requested. This is wrong and has been a horrible experience.

I'm trying to buy a house. This has ruined my credit and I've lost out on rates and several homes. Look at my history. Over 800 until this happened. 

Please help me. I'll provide any info needed. 

Thank you. 

Thank you.

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 2022-01-16
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My name is XXXX XXXX XXXX. 
I found 2 unauthorized purchases transections on my WaywGo card of CA. 
It happened on XX/XX/21 ( {$200.00} ) and XX/XX/21 ( {$120.00} ). 
I requested disturbing these. 
I reported that I never been there before. 
I showed my XXXXXXXX XXXX XXXXe at that days. But my cas was denied. 
I can not understand why. 
Those were fraud transections. 
I can show you my XXXX XXXX XXXX where I was at that time. 
Way2Go did not credit back to me. 
Claim number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is my third complaint against Citibank. I'm disputing {$1500.00} ATM withdrawal that was done on my son 's debit card after he lost his debit card. This transaction is fraudulent and we don't know who did it and we're disputing this transaction. Also the {$4700.00} wire fraud. 

Also I filed 2 previous CFPB complaints regarding this disputes. This bank is XXXX and prejudice. Their last response to complaint XXXX, " In addition, on XX/XX/XXXX, XXXX sent you a letter requesting an affidavit, statements, or an unauthorized use ( SUU ) form. If you have not done so already, please respond to the letter from our XXXX team and provide the documents requested as soon as possible ''. 

How did they send it as it's XX/XX/XXXX, I'm signed up for informed delivery by USPS and you'll see they never sent it it's a motive to make us pay for something we didn't do we are the victims. This bank should be investigated for XXXX discrimination and XXXX profiling. I'm going to attach my son 's picture and I want them to verify it was him that made the deposits of the fraudulent checks and withdrawing the {$1500.00} cash from the ATM.

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 monetary relief
Consumer complaint received 2018-03-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

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 2022-08-14
Company: Experian Information Solutions Inc.
State: HI
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 several inquiries on my XXXX and XXXX and experian report that we made fraudulently. I called them to have it removed but they are not helping me at all. 

I want the inquiries removed please they all are not correct.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a victim of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 2017-07-29
Company: Medical Data Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my rights.

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 2022-01-16
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am currently in complete shock with the lack of professional support at Upgrade. 

According to Upgrade they received a letter from XXXX stating that I disputed the account. 

This is not correct! I never disputed the two lines of credit. I sent documents that you verified and opened the account. 

I was able to use the account for 3 weeks and then they blocked it from anymore purchases temporarily until I could verify that I did open up. 

I have called Upgrade over XXXX times left XXXX on their voicemail & Filed several CFPB complaints reports. I have spoken to countless representatives at Upgrade and they advised me that I would have to contact this specific department who would remove the block. They have never called me back or reply to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Remex, Inc.
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:
The XXXX XXXX XXXXXXXX XXXX XXXX is a medical imaging office that workman 's compensation scheduled for me. My XXXXXXXX XXXX workman 's compensation adjuster scheduled the imaging and I was only told to bring my ID which they took at the appointment and said everything was taking care of by my adjuster. It is also under {$500.00} so it shouldn't be on my credit either way due to President Bidens executive order signed on XX/XX/XXXX, H.R.773 Medical Debt Relief Act of 2021. It is {$390.00} but is effecting my credit by XXXX points.The XXXX XXXX just took my NJ ID and said everything was covered. Remex INC took over and last reported XX/XX/XXXX. This is destroying my credit and it needs to be taking off my credit score immediately due to the information I states above. Thank you for your time and I will make sure Remex INC takes this off my credit or will sue them due to being a medical bill under XXXX XXXX that destroyed my credit costing me not being able to get a credit card, loan, mortgage, or car financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Over 2 billing cycles I noticed the interest being charged on a cash advance was not decreasing, on XX/XX/XXXX I contacted capital one to inquire. My minimum payment is {$25.00} I made a payment for {$170.00}, however, entire payment was applied to my purchase balance and {$0.00} to cash advance. I asked them to apply some of my payment to the cash advance balance and I was told it was not allowed until my purchase balance reached {$0.00}. The reason being is the apr for cash advances and purchases are equal. And they can choose how my payment is applied. I feel this is a loop hole being used by credit card companies to circumvent the credit card act of XXXX to require payments in excess of the minimum payment to be applied to balances with higher apr 's. Thus allowing them to continually rake in more profits and taking advantage of the ill informed consumer. I just feel that if I'm paying over the minimum payment that those funds in excess should at least be spread equally to all balances to provide me with the opportunity to lower balances that could be costing me more interest because the balance is higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-05-22
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) that they attempt to collect a debt on behalf of XXXX. 
I do not do business with XXXX, and I don't think XXXX is in the business of lending money anyway.

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 2019-04-30
Company: Cash Security, Inc.
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called job and stated her name at front desk. She was transferred to me.. She then asked her to not call me at my work. She stated she will continue to call.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, I called transunion for the sixth times, for the last 8 weeks .... to dispute an account thats not reporting to my credit report which is XXXX XXXX .... but is reporting my to my XXXX and XXXX   ... ... so i asked them to update and report the account and they still haven't ... ... ..

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