BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX  bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX  balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a complaint regarding the loan process for our cash out refi with Loan Depot. The initial loan estimate was inclusive of a XXXX point lender credit, with a locked interest rate. This lender credit was taken away during the pending approval process, outside of the legal time period. 
The appraisal did not come back as high as anticipated, so the loan value was adjusted. We requested a little time ( a week and a half ) to decide if we were going to pursue the loan with Loan Depot. During this time period, my loan officer 's boss ( XXXX XXXX ) contacted my and tried to pressure me into deciding before I was ready, as I was " costing him money since the funds were being held for our loan. " I told him to leave the loan as pending, and I would decide next week ( still well with my locked period and giving ample time for the underwriters to review ). It was them he called my husband, pressuring him to decide for us and essentially taking a condescending tone toward me. 

We did decide to go ahead with the loan. Hours after I told the loan officer, XXXX XXXX, XXXX XXXX closed out our original loan and opened a new loan, revoking the XXXX point, costing us another {$1500.00} in closing costs. When I asked the loan officer, she said she would ask to get that credit back on. It took 4 days to get back, and she said her boss ( XXXX XXXX ), and his boss both said no. I asked as to why, and I was told the LTV ratio changed from 75 % to 80 %. This was not the case, as the initial anticipated value of the house was XXXX to XXXX and the initial loan was for XXXX ( this is not an LTV of 75 % ). When I pressed her on this, she then said there " was no margin, '' but wouldn't explain further. I asked for all of this in writing in an email, but she declined. 

There is no legal, valid reason for the credit to be removed. The lender was outside of the legal time frame to make adjustments ( 3 days ). Our appraisal came back on XX/XX/XXXX. The updated loan estimate ( and removal of the credit ) was sent on XX/XX/XXXX. All of this is documented. We were advised from legal that there is a time period that adjustments to credits and points may be made, and that this was well outside of it. 

This was bait and switch pricing, and it was poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
COMENITY BANK/NWYRK & CO - Has violated my federally protected consumer rights under 15 USC 1692. They have sent several statements, didn't know I could dispute a debt, never said they was attempting to collect a debt. Used abusive and profane language. See attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: MD
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$4500.00} XXXX XXXX {$20000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  XXXX {$260.00} XXXX XXXX   XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX  XXXX {$490.00} XXXXXXXX   XXXX {$400.00} XXXX  XXXX {$300.00}

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 2021-01-26
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have made a lease with kia for about 3 years for the Kia XXXX i have taken out.The lease was for 5 years to pay off the car.If for any reason you dont want the car or can not pay it.They give you up to three years so you can take the car back.I was told personally by the person in charge that day, that once i give up the car once the three years comes up i dont have anything else to do with the car, just give it up at the kia dealer, give up the keys, sign the paper and that was it.I made sure i didnt have to pay anything after that and they also checked the car to see for any wear and tear. I was told everything was good to not worry about anything i was good to go.Months pass by and i recieve a letter from Kia Finance stating i owe almost {$3000.00} with a list of things they charging me. I called Mia Dealer and spoke to someone and i was told that they dont have anything to do with it and that they dont know who told me that.They should of told me everything i needed to know before i left, remind you thats not what i was told before i left the car, I was told differently. 
I called Kia Finance which that is where the letter came from and spoke to someone.I was told by them that i have to pay the amount that there is nothing else they can that is what i was billed and thats what i have to pay.I asked if they have payment plans just for incase i have to pay it which i believe in my power i shouldnt be charged especially for false information and the lady told me they dont do that. 
I would like help to investigate why they are charging me and why do i need to pay that money when the information i was told was different.

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 2017-08-11
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: Public record information inaccurate

Complaint:
My husband and I filed for bankruptcy in XX/XX/XXXX. We filed in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XX/XX/XXXX and not in XX/XX/XXXX.  When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XX/XX/XXXX and not XX/XX/XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.

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 2022-08-06
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a transfer of {$260.00} was made to a Cashapp account I own. I was unable to access my account due to a telephone number change. I contacted CasApp support to request a merge of my old account to my new account so I could access my funds. CashApp said they kept getting an error on their end when attempting to merge the accounts. They wouldn't give me any further information, only citing " security reasons. '' I provided them with my SSN and photo ID yet they still refused to allow me access to the old account. Now my {$260.00} is sitting idle in my old cashapp account with no way for me to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: SYNCHRONY FINANCIAL
State: NY
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:
Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.

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 2020-05-19
Company: Experian Information Solutions Inc.
State: WA
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern : I sent a request for the method of verification to Experian via certified mail. I got back an updated credit report from with before and after the dispute process no method of verification for the accounts XXXX XXXX XXXX  I requested In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

At this point the tradeline needs deleted. 

I can supply all supporting documents if needed.

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 2022-10-24
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: MA
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 Evening ; I was going through my credit the other day and noticed a hard inquiry from a local dealership in MA that i never applied for or even step into any of those dealerships. I immediately called the dealership after XXXX XXXX and got routed to Sales Manager of XXXX located in XXXX MA, and he said that he doesn't see any record in his system but he said that it might be his sister store in XXXX. He said that he will reach out to them to get this resolved. My credit has been compromised and I haven't been looking for a vehicle for over 5 years. Again, i didn't authorize this and this is a breach of my personal privacy and want this removed immediately from my credit report. 
( XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, MA XXXX Auto loan. )

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 2017-08-09
Company: Bread Financial Holdings, Inc.
State: CA
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:
This a new credit card. A charge of {$220.00} was due and unpaid on XX/XX/XXXX. On the next ( XX/XX/XXXX ) statement, a {$27.00} fee was charged plus {$5.00} in interest, which together with the previous balance and new charges reflected that payment in full of {$800.00} was due on XX/XX/XXXX. One week before the due date, I called the credit card company, confirmed that the total due on XX/XX/XXXX including all interest and fees was {$800.00}, and authorized ACH payment from my checking account. Pursuant to the statement, that should have resulted in a XXXX balance. On XX/XX/XXXX ( after the billing cutoff for the prior month ), I charged XXXX in purchases. On my next ( XX/XX/XXXX ) statement, in addition to that purchase, interest was again charged in the amount of {$6.00} ( more than the one month of interest that was already paid ). When I sought an explanation from the credit card company, '' XXXX '' told me that this was interest going back to XX/XX/XXXX. Because the credit card company refused to acknowledge any error and presumably consistently applies this fraudulent practice, I have cancelled the card and paid {$26.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Whenever I review my credit score on Transunion, I see interesting information. Example : An increase of my XXXX card by {$120.00} resulted in a 12 point drop in my credit score. That does not make sense at all. 
In addition, a current property loan is not showing. The original mortgage company sold my loan to XXXX. XXXX still has not reported credit activity. 
I am just lost on this credit thing. Why is the score always dropping in spite of the fact I have an excellent payment history on my credit reports?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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: Information belongs to someone else

Complaint:
After reviewing my credit I found these fraudulent accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/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 2017-08-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly 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 2019-03-04
Company: STERLING JEWELERS, INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Experian Information Solutions Inc.
State: NV
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$19000.00}, {$8500.00}, {$9900.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

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 2018-03-01
Company: AMERICAN EXPRESS COMPANY
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 have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.

Company response to consumer: Closed with explanation