BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-24
Company: Key 2 Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a payment authorized to be pulled for the month of XXXX on the XXXX which was a Friday. Well it never pulled and Key 2 Recovery claims my card declined on XX/XX/XXXX for insufficient funds however I watched my account and I had more than enough funds. However Key 2 Recovery did not contact me to tell me anything. Finally I got through to them through email and they finally pulled the payment the XX/XX/XXXX and yet I still hadn't heard from anyone in this office. Then Thursday XX/XX/XXXX the CEO XXXX XXXX contacted me via email roughly two weeks later stating my card declined and they were planning to take action to collect the entire remainder of the bill. The CEO is very harassing and talking down to me, he continued to blame me despite the fact their office never contacted me. He sent me a small screen shot showing the word " declined '' against a black screen however there was no indication this was truly my card. He claimed he couldn't send me proof of my card declining, however then Friday the XX/XX/XXXX he actually did end up sending the information. I am tired of being harassed by this company when I am paying a monthly payment every month and yet that whole office continues to harass and threaten me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.

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 2018-10-25
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company reported to the credit bureaus without notifying me of any debt owed, amount owed or name of original creditor without a chance to dispute the debt with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. THIS IS FRAUD AT ITS FINEST AND DIRECT VIOLATION OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I noticed several entries placed BACK on my Experian credit report after being removed ( some years earlier ). The items were basically sold to another company and re-reported. Experian has since removed these entries, but XXXX  and XXXX  have refused to comply. Additionally, I've provided all 3 credit reporting agencies with my State Issued REAL ID and Social Security Card which provides my full name : XXXX XXXX ... not XXXX XXXX or XXXX XXXX, as we all know that state issued REAL IDs are the equivalent of a United States Passport ; therefore there should be no confusion as to which accounts are mines and which are not. I've asked them to remove anything that doesn't provide my name as XXXX XXXX. Lastly, Experian has placed a message on my credit report as of XX/XX/2020 that asks any creditor to call me and have provided no phone number to do so, all while still allowing creditors to access my report -- resulting in a lowered credit score!!!!! This " trick '' resulted in a creditor auto-denying my credit application, although they allowed a hard pull to be completed against me resulting in my score being lowered ( DAMAGINF ME AND MY ABILITY TO OBTAIN CREDIT ). The company advised me to have it corrected with them and then I can give them another approval to have them pull my credit for a second time ( RESULTING IN AN EVEN LOWER SCORE AND LIKELY A DENIAL FROM THE PREVIOUS HARD PULL ). This " message '' on my credit does not qualify as a fraud alert, as the credit report is not frozen -- yet this message was not requested to be added to my report by me and is causing me damages. I have expressed to all of the credit bureaus not to lock or add fraud freezes to my account without my knowledge and a personal request to do so. Is that so hard to comply with?? 

I was applying for an auto loan refinance, with a XXXX credit score on XX/XX/2020 ( along with 100 % exceptional payment history with XXXX ( I have car loans, auto insurance, renters insurance and credit card with XXXX ). It makes absolutely no logical sense to me how my own creditor can act as though they do not know who I am or as though they are unable to verify who I am while I'm on the phone with them and as soon as my credit report was pulled I'm being notified by Experian of the hard pull from XXXX and change to my account. This is a horrible way of sneaking high interest rates and ensuring they are being passed over to consumers in an already horrible climate for credit decisions, while many people are out of work and their credit is suffering. 

I REFUSE TO SUFFER DAMAGES BECAUSE OF UNLAWFUL, UNETHICAL, AND UNFAIR BUSINESS PRACTICES!

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 2018-06-20
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a savings and checking account on line for Citi bank. I could not fund it until I got the debit card which I did get a week later. I did trial deposits at another bank that were verified and I then made an ACH from the external bank to Citi. The night ( XX/XX/2018 ) before the amount was to be credited to my citi bank account they cancelled the transfer as they said the names did not match. That was not true and I verified it with their person but it was too late to reverse. So my {$15000.00} is now floating somewhere to be credited to my external account in 3-4 days. This is totally un excusable and possibly illegal and your help is appreciated so no one else gets taken by Citi

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 2018-06-20
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:
On XX/XX/XXXX, I bought a XXXX laptop online for {$2100.00}. Unfortunately, the product did not perform well to my expectations, but I had to keep the product because I can not return after 30 days plus they would also charge for restocking fees and shipping. I am also dissatisfied with the purchase because XXXX XXXX promotional offer was misleading me to buy the product, thinking I would make full payment same as cash by 18 months and pay evenly for every month. On XX/XX/XXXX, I called and filed a dispute, a rep told me that I will not have to pay for interest while in the process of investigation. But when I received the statement, it was frustrating to see that interest is continuing to accrue. No one called me right away to notify me by phone or at least by EMAIL that my dispute has been cancelled, but just send a letter that I received more than 1 week later. 

XXXX XXXX XXXX is no longer contracted with XXXX. I have sent in a request to have the right not to pay the remaining balance if I am not happy with my purchase as instructed on the statement on XX/XX/XXXX, but I did not received a respond until today. 

I have also contacted a lawyer, but I can not pay the fees. It is distressing to go through this process as I can not pay the fees, unhappy with my purchase, the company is ignoring my hardship. Furthermore, it is an unfair business practice to mislead ads and not have a AUTOMATIC PAYMENT WITHDRAWAL option, the customer would have to remember to make payments every month. They need to change this as it can be frustrating for customers. My interest in now {$780.00} when I missed making a full payment in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this bill was mailed out prior to the due date, and was claimed to have never been received by Citi, I mailed all my payments on time with no other issues, mistake on their end and they were unwilling to 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 2019-02-20
Company: FIRST NATIONAL BANK OF OMAHA
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years

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 2018-06-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
After I applied for a XXXX Citibank card in late XXXX I received a letter ( attached ) requesting to provide a copy of the US Passport, US Voter Registration Card or US  Green Card. I don't have any of them as I am in the US on working visa ( was a student before ). The bank representative said that they can not continue with my application. 

In my opinion this is a discrimination based on XXXX XXXX as it was the sole reason they can not give me the card. The bank representative assured me that they don't discriminate and any person can obtain the credit card if they provide copies of requested documents ( yes, that makes total sense to them, go figure ). Well, how about the people who are here on XXXX, XXXX and other visas?

As far as I read about the rules regarding credit card application process, a creditor may take into account applicant 's XXXX XXXX but can not make a decision based solely on that. 

I have successfully obtained multiple credit cards in the past ( XXXX, XXXX, XXXX ), the last one as recently as XXXX of this year. I have good credit history and excellent credit score. I never had to provide any proves of my XXXX, let alone being denied based on that. 

Please, help me to reach the bank for comments. I am upset that such discrimination is allowed in today 's world. 

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 2018-02-24
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX, dba CareCredit. I originally filed a complaint with XXXX XXXX in XX/XX/2017  based upon what I found online as the responsible bank for XXXX XXXX. In spite of a number of contacts, they did not respond until XX/XX/2017 after I filed a CFPB complaint. I wrote XXXX XXXX of XX/XX/XXXX on XX/XX/2017 acknowledging that they had finally responded to my complaint and that I would be making payments after I received my Social Security ( SS ) check on or about the fourth Wednesday of the month as SS advised me. XXXX called in early XXXX acknowledging receipt of my letter. 

Subsequently, I mailed XX/XX/XXXX a {$200.00} payment in XXXX and a {$200.00} payment in XXXX following receipt of my SS check. However, XX/XX/XXXX has continue to harass me with multiple phone calls and emails on almost a daily basis since.

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 2018-10-27
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a Sears credit card. I do not own a Sears credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.

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 2017-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CRA ... XXXX AND EXPERIAN ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX dollars was deducted from my checking account in the form of a " Monthly Maintenance Fee. '' The bank says I can avoid the fee if I maintain a balance above {$1500.00}, have a direct deposit of {$250.00} or more, or enroll in preferred rewards. I was charged the fee on XX/XX/18.

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 2018-10-26
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I previously filed complaint # XXXX against the Simon 's agency for collecting on a debt that they claimed was owed and I provided proof of payment. Their client, XXXX XXXX XXXX XXXX also confirmed that this was sent to collections in error. The Simon 's Agency fabricated the facts in their response to the CFPB, but stated that the file was not being sent to collections and was being handled. They just reported this to XXXX, which has caused my credit score to drop. I demand that they cease all collection activity and fix the damage that they have done. 
Thank you for your help in making this matter right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Data and Contact Management Solutions, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received a rather generic style letter from XXXX XXXX. It states they have been notified that my mother passed away and further state they are trying to locate the person who has the authority to pay her outstanding bills. 

My mother had no estate. She had about {$1500.00} in her checking account at her time of death that was a XXXX in my name. The amount went to pay for her cremation expenses. She had no other assets. Moreover, no one is responsible for paying her bills. Only she was legally responsible for debts incurred in her name. 

I am asking that DCM cease sending letters to this address immediately. I have read online reviews of this company sending this out to people, then saying they owe money without stating who the debtor is or the dollar amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 continuously disputed XXXX XXXX XXXX XXXX on my TransUnion report. I have provided sufficient documentation over the course of several months as well as a police report. 
This account that you are reporting does not even bare my name, but a name that is possibly similar to mine. 

TransUnion continues to report this account on my report that does not belong to me and has not been properly investigated nor deleted.

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 2018-02-24
Company: EQUIFAX, INC.
State: GA
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:
The following companies unlawfully ran my credit without my permission. I did not apply for credit with any of these companies, neither do I have a credit card or business with them and I've been desperately trying to get them to remove these unauthorized inquiries from my Equifax and XXXX Credit Reports. I have contacted the respective credit bureaus first and was advised I would need to make contact with each vendor individually to request these unauthorized inquiries be removed from my credit report. Although this has been a huge hassle, I have contacted each vendor on multiple occasions for months now unsuccessfully pleading my case with no relief. Bottom line is I did not apply for a credit card, auto financing, and/or any type of housing with any of these vendors on or about these dates whatsoever and I am seeking your assistance in getting them to remove these unauthorized inquiries from my credit report. 

Equifax Report Unauthorized Inquiries : 1 - XXXXXXXX XXXX, Date : XX/XX/XXXX ( National Credit Card Cos ) 2 - XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ( Television & Radio )  3 - XXXX, Date : Date : XX/XX/XXXX ( Miscellaneous Reptg Agencies ) 4 -  XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 5 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 6 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 7 - XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 8 - XXXX XXXX Date XX/XX/XXXX ( Auto Financing ) 9 - XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 10 -   XXXX XXXX XXXX Date : XX/XX/XXXX ( Auto Financing ) 11 - XXXX XXXX   Date : XX/XX/XXXX ( Bankcard ) 12 - XXXX XXXX Date : XX/XX/XXXX ( Real Estate sales/Rent ) 13 - XXXX Date : XX/XX/XXXX ( Variety Stores ) 14 - XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) 15 - XXXXXXXX XXXX XXXX XXXX   Date : XX/XX/XXXX ( National Credit Card Cos. ) 16 - XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ( National Credit Card Cos. ) XXXX Report Unauthorized Inquires : 1 - XXXX Date : XX/XX/XXXX ( Finance ) 2 - XXXX Date : XX/XX/XXXX ( Finance ) 3 - XXXX XXXX Date : XX/XX/XXXX ( Finance ) 4 - XXXX Date : XX/XX/XXXX ( Misc. ) Any assistance your agency can provide with assisting me in getting these companies to remove these unauthorized inquiries from my credit report is graciously appreciated.

Company response to consumer: Closed with explanation