BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Victoria Secret Card through Comenity Bank. 

The payment of {$72.00} was due on XXXX. However, due to wrong password, I was locked out of online portal to make a payment on XXXX and XXXX. In order to reset the password, I needed the physical card which I couldn't locate. I located the card on XXXX, reset the password and made the full payment. 

However, Comenity bank went ahead and charged {$29.00} late fee on XXXX and {$2.00} Fin Charge on XXXX which I got to know when I received the next statement. When I called them and explained the situation, they refused to remove the charges ; despite the fact that their record shows wrong attempts, lock out and reset. 

Eventually the account started accruing late fees and finance charges on XXXX ( XXXX ) balance of actual purchase/principal. As of now, the account has 5 late fees and 5 finance charges ( equal to {$180.00} ). All of this is late fee and interest as payment was late by a day. Meanwhile I have been getting multiple daily calls ( from different area-codes and once from an unknown number ), and text messages. 

Additionally, they kept reporting this to credit bureau which has damaged my score extensively. It went from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX. It has made my attempt to draw first mortgage on my house so I can float my XXXX XXXX virtually impossible. 

While people are struggling to pay for basic needs in this COVID mess, this usury practice for one day of delayed payment has led to situation where I can't borrow money to keep my XXXX XXXX going which supports 10-12 employees. 

I'd request VS/Comenity Bank to reverse the charges, delete the credit line and correct the reporting to credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up auto pay on the phone with a customer representative for my AAA Bank of America Visa that I have had for 19 years. I have alerts on my account so I know every time my credit card is charged. I receive these alerts by text and email. I know when my email is ready to get paid due to alerts. This company does not permit you to set up alerts if a payment is missed. They will wait three months and then call you. On XX/XX/2021 I received a collections call. After speaking with the auto pay section, the representative apologized to me and stated the auto-pay process had not been completed and I should have been advised to call back in 5 days instead of being told it was in place. My wallet had been stolen and I was on the phone to set up the new account #, he said there was a {$50.00} pending charge from the prior account so euro pay couldn't go in place until then, so when the auto pay did go in place five days later it was after the due date. I can not understand why that would affect me setting up auto-pay on the new account. Regardless he said that they would reimburse me for late fees, he would set-up auto pay and then transfer me so another representative could be reimburse the late fees. He said my auto pay was on and I jumped online to confirm it was on. It was. The next representative who would assist me by reimbursing me for my late fees informed me auto pay was not on. I also informed me that auto pay it only lasts for 12 months and then you have to re-enroll. I did not know this and think this is something that should be written where you turn auto pay on and off. I went online and looked - next auto pay I see a green " yes ''. If I clicked on the word " auto pay '' - the amount of auto-pay is listed with the option to shut it off. I understand the bank representative me a mistake setting up my auto pay, and my credit has taken a hit for this. I still don't know if my auto pay is working or not. Right now I have to make sure that my late payments are credited because they can't do anything about them right now due to waiting for my payment to clear so that I am not in default.

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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX*** XX/XX/XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX XXXX and I'm a XXXX XXXX  XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is drug dependent and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 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 non-monetary relief
Consumer complaint received 2018-03-14
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I worked for a foreclosure firm. After the hurricane all of the files at work was put on hold due to the hurricane so that mean i was put on a part-time basis and unable to pay my mortgage. I have a XXXX XXXX, XXXX XXXX they can differed your payment up to 12 months. So i contacted my mortgage company Primary Residential Mortgage they say since i was in the disaster area i can apply a forbearance worksheet and that would allow me to make a lesser payments until i get all the repairs fixed and return back work. The forbearance plan was expire on XX/XX/XXXX. I get Demand letter today XX/XX/XXXX from the mortgage company stating i owe {$15000.00} and I have until XX/XX/XXXX to fill out loss mitigation package. I contacted them to said that was not the plan. I need to know what should i do. HELP. I started a new job things are looking bright please help. I do not want to lose my home. My cell # XXXX. 

Thanks, 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 2021-10-18
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 at XXXX, XXXX XXXX XXXX a representative of XXXX XXXX XXXX spoke to my husband about my supposed debt. He served him with papers from XXXX XXXX XXXX. Additionally, all of the information is inaccurate. My name is incorrect, as is my husbands name and age that XXXX took down that day.

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 2018-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase permantely closed my checking and savings accounts, and won't let me access my credit card accounts online. They have not provided me with a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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 was in the process of buying a home when my lender pulled my credit report and they are showing two accounts listed for the US Dept of Veteran Affairs. This doesn't make any sense because the money was for school that I was paid out each month. When they over paid me they would take it out of the following disbursement therefore lowering the amount I was paid directly. There should be any type of collections for this. I sent a certified letter to the Dept of Vet affairs and they did not respond nor send me validation of this debt. How are the bureaus receiving this information if I can not?

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 2020-04-29
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: Investigation took more than 30 days

Complaint:
I have filed a complaint with Experian and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Diversified Consultants, 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:
I have tried to contact this company several times and they have refused to remove this debt that I have no knowledge of, off my credit report. I have also submitted a dispute a week ago on XXXX XXXX to the debt collection company and still have not received a response. 

I run several businesses and my credit is VERY important to me as I am trying to buy a house. My credit score was 700+ before this unknown collection and it is my ONLY collection. I am XXXX XXXX XXXX and do not want this collection company to ruin my credit for the rest of my life for a debt that is not mine and one that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems is reporting I owe XXXX on my XXXX  Credit Report and showing XXXX on XXXX  Credit Report. I work with a debt company who has gotten this account closed but they are still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Financial Business and Consumer Solutions.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a service contract with XXXX, XXXX that was fulfilled. They actually did not provide a service for the last 12 months of the contract but I still paid them and fulfilled my end of the contract. After that, I cancelled the service and stopped paying. 
Today I received a call from a collection company stating that I owe over {$400.00} to XXXX. I called XXXX directly to verify and they said that they see that I fulfilled the term of the contract but because they did not receive a written notice to cancel that I was still being charged monthly. I never received a notice of default or that I owed them a debt. They have the correct email address on file and they did not ask for a forwarding mailing address, as they knew I was no longer at the previous service address. 
I believe they have violated multiple laws/regulations : They did not inform me of a debt owed. 
They did not inform me of a debt being sent to a collection agency. 
They did not cancel my contract after I requested it and I was outside of the contract term. 
They charged for a service that was not provided. 
I have requested a copy of a signed contract and they have so far not sent me a copy. 
I have tried to in good faith resolve this with XXXX, XXXX and they are telling me that they can not help me so I feel my only other option is to pursue remedy through a Consumer Protection agency. When I told them that I was going to pursue recourse through the CFPB and/or FTC, the rep laughed at 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 2019-06-25
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello I had open a Checking account with BBVA in XX/XX/2019- I was advise that there overdraft protection would be applied if I do not have enough funds when the transaction Finalized and post to the account- I had notice that was not happening- I would get deposit in the account to cover the transaction but was still being charge there fees- After talking to the Bank I was inform of the same thing Now there story has change and they state they go by the original time stamp, if that the case there a ton of transaction that was charge a fee when there was funds in my account already to over the. there are multiple calls clarifying this issue and since the Bank and there employees keep providing wrong info and does not know what there policy truly is I am not reaching out- they are refusing to take care of there new Member do to the improper info that been provided I recommend a full investigation on there overdraft services

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I made contact with Check N Go Management and left a a couple of voicemail messages as nobody was available to attend my calls. 
I am respectfully requesting that Check N Go reps stop trying to withdraw money out my XXXX XXXX  XXXX checking account ending # XXXX as my account is overdrawn with excessive fees of around {$400.00} and there is no funds available. 
I am respectfully going through a difficult financial hardship and my family hardships and going through a Coronavirus issues. 

Check N Go Management hasn't sent me the new balance of debt and there is fees with XXXX  XXXX XXXX checking account ending # XXXX that has been excessive fees of overdraft by Check n Go. 
I am respectfully XXXX Lifetime and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from COMMONWEALTH FINANCIAL for Florida Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a XXXX   and needed financial assistance. 

COMMONWEALTH FINANCIAL did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against COMMONWEALTH FINANCIAL should this item not be deleted within the required time allowed by law. 

COMMONWEALTH FINANCIAL is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX   and XXXX  as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit reportXXXX XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: The CMI Group, 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: Their investigation did not fix an error on your report

Complaint:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I filed a prior complaint, XXXX. My partner XXXX XXXX had a judgement against her. ON XX/XX/XXXX I was informed of a bank levy against my separate property. After my last complaint Midlanding Funding had promised to return my funds in writing, I called them 2 weeks ago and they verbally confirmed that. Today, XX/XX/25 The XXXX county Sheriff 's who issued the levy informed me they have received no directive from Midland to release the funds I contacted Midland and they claimed due to state law and the CFPB investigation they can not legally return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got sent a judgement that I was going to get garnish for my wages in XX/XX/2019 from the District Court of XXXX County, Arkansas. I have never gotten serve papers for this judgement against me. I was told I had 30 days to response back but I didn't get my 30 days. I receive the letter on XX/XX/2019 and I got garnish on XX/XX/XXXX. I also response back and they never answer my letter.

Company response to consumer: Closed with explanation