BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I make my payment via their website on the same day that it is due, the payment should be credited to my account that same day. Instead, they've set an unreasonable cutoff time of XXXX Eastern time. I live in XXXX time, so XXXX Eastern time is XXXX my time, which is at the end of a typical work day. When I work 10-12 hour days, I can never pay by the exact cutoff time on the due date, as I can't always interrupt my work day to make the online payment, which I pay manually. When I first signed up for the Lane Bryant credit card by Comenity, they didn't have this ridiculous cutoff time for payments. This is a change that they've made after I already agreed to previous/different terms of service. This is an unfair business practice. They are setting the consumer up to have a late payment and, as a result, a late charge. It's a disgusting attempt to boost their fee income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 and XX/XX/2018 I had 5 fraudulent transactions on my debit card with BANK OF AMERICA. There were 4 purchases at a XXXX 's for a total of {$1000.00} and 1 transaction for XXXX made by ATM withdrawal. I was just getting off work around XXXX XXXX XXXX XXXX time on XX/XX/XXXX and noticed these charges. I immediately called BANK OF AMERICA and informed them, cancelled my card and had a new one sent. I attempted to file a claim but at this time claims department was closed for the weekend. As soon as I had time on Monday I filed my claim. A representative with Bank of America assured me I would get the money credited to my account however within the next couple of weeks I was told my claim was denied because 1. No draining of my account. 2 No balance inquiries were made. However 5 transaction of more than {$1300.00} I would consider an attempt to drain my account. They told me send in a letter it took me some time as I work 6 days a week 10 hrs a day and could not find the time. I am seeking full reimbursement and bank of America is denying me payment. My next step will be filing a lawsuit.

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 2018-02-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am deeply upset that XXXX continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX  continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX  XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

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 2019-01-11
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I was asked for copies of bank statements and income statement the copied them and told me to get another statement from the bank and I need my payee with me im on social security I earn {$880.00} XXXX monthly credit not under XXXX I want to move. I stayed at my residence for 45 years. I need help. a denial cause of a payee its unfair discrimination my mother cant walk in the office I asked if she could speak to her on the phone she denied trying that.. I never even filled an application out, ,no paper work. I was there on Friday at XXXX the XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: DISCOVER BANK
State: CA
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:
I was sent communication from Discover that I had a past due balance, with no communication regarding a penalty of closing my account if I did not pay the past due balance. On XX/XX/2021 I paid the account balance of {$7000.00} in full. On XX/XX/2021 my account was closed. 

The Discover representative that I spoke with today, XX/XX/2021, didn't know why my account had been closed either. The only note on my credit report is that the account was closed by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Public record information inaccurate

Complaint:
I am deeply upset that XXXX  continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX  credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.

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 2020-11-13
Company: Tower Loan of Mississippi, Inc.
State: LA
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 sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.

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 2018-11-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
Navy Federal Credit union is charging us over 14 % interest in credit card. We have asked them to support SCRA for military and was turned down. With 14 % interest we will never pay down our debt. This bank is suppose to support military but instead only wants money. Other companies who are not Military affiliated supports SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/2018 Transunion put a deleted account back on my credit when it should be deleted dropping my points down XXXX points

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 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!

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 2018-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
I was new to credit game and I got this credit card since I got here in US 2014, it was my first and oldest credit card. I was using it for 3 years with no problem and after I was injured with XXXX XXXX XXXX I was unable to work and behind payment for 30 days late and they sent me letter that they have closed my account and said I am still responsible to paying all debts in full amount. 
I dont mind paying full but after they closed my oldest card my credit score went down so bad its hurting my credit history too. 
Last week i even called to reopen but they say no way to reopen. But I can file request but it wont work the Representative said. Heart broken and hopeless 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 2018-11-25
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX we received an email that our loan was purchased by LoanCare. The end of XXXX we received another form email that the transfer was complete. However we never received any USPS mail with account specific information. 

I mailed our check and added a note that we did not receive info about our account and could they please mail us account information. Additionally I explained we do not receive mail at the physical address so please send the our PO Box ( the address was supplied ) In XXXX same thing. No mail so I sent the payment and a letter. Again please send to PO Box . 

Today we were served a threatening letter that they were going to foreclose on us and we were behind on payments. We have never missed a payment and have tried over and over to obtain information about our loan. 

Please help us get our account information On a note this is the 3rd company this year to have our mortgage and this is the only company who will not mail us a statement.

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 2019-05-23
Company: Arcadia Holdings, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear CFPB, I am a hospital resident in training at New York XXXX Hospital in XXXX. I am not aware of owing any debts ( I just had a loan officer confirm this ), but this is beside the point. " Arcadia XXXX XXXX XXXX  '' has been calling me on a non-private hospital line that is supposed to connect doctors to the resident work space. It is a line shared by all the residents and a very busy one for communicating vital healthcare information. 
How Arcadia got this number I am not sure, but I have told them to stop the first time. This is the second call I know about. Interrupting a hospital service for a private matter is completely unprofessional, and if my admonishment won't stop them from doing this again, I hope you can. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: TX
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 a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for XXXX years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, XXXX, and Experian CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.

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 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-10-19
Company: Assured Financial Partners
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX and XXXX XXXX violated The Fair Debt Collections Act in the following ways : 1. Threatened to take legal action against me if I did not pay the debt from 14 years ago. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. Continued to make calls and texts to my family members after making contact with me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. Threatened my family members with legal action if they didnt give them information. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 4. Threatened to contact my employer via text. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 5. Gave my family member information about the debt. 
XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Agreed to a settlement that was applied to XXXX XXXX Bank XXXX account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.

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 2018-08-08
Company: Experian Information Solutions Inc.
State: LA
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 decided to review my credit report due to being in the process of purchasing a car in a few months and noticed there were a few things on there that Im not aware of. I ask that these items be verified and send me proof once the items are verified. If proof cant be sent then I ask that the following things be removed from my credit report. I filed an identity theft report with the Federal Trade Commission. I ask that you review this identity theft report and if you find any of these items on my credit report then please have them removed immediately.

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 2018-02-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
its the data hackers that try to think Im XXXX  : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX M XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -

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 2018-12-21
Company: Riverwalk Financial Corporation
State: TX
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:
To whom it may concern : I have a collection account on my file from a collection agency named XXXX XXXX XXXX, the accounts are as follow, XXXX. Please be advised that I am disputing this collection due to the fact that XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX does not currently have a valid license in Texas to collect on debts. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical that XXXX XXXX XXXX are licensed in Texas. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation