BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian one of the worse credit bureaus I have ever dealt with. I have contacted this bureau on many occasions. Informing them that I was victim of fraud. In XXXX and in XXXX during several breaches with XXXX. I have also disputed and provided documents from other credit bureaus of the account from XXXX XXXX on my credit report, being deleted from XXXX and XXXX. I also provided documents showing my information was on black web and found in 11 data breaches. I also made a identity theft report and placed security alerts with the credit bureaus. My name, social, email, security, personal information, employer and password were all found on the black web and in data breaches in XXXX when the XXXX XXXX Account was opened. There was a block on my Experian Credit report around XXXX, XXXX as well and XXXX XXXX was blocked from accessing it after receiving an alert. I then a few weeks later removed the block for an employer to access my report and I received another alert from XXXX XXXX that someone was trying to access my credit file. I was not contacted or email. XXXX XXXX is threatening me and trying to collect moneys not owed. This is a fraudulent account as my information was used. I will take legal action as I am requesting for this account to be deleted from my credit file. See attached documents below as XXXX  and XXXX  has already deleted this account. As this is damaging my credit score.

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 2019-11-12
Company: SYNCHRONY FINANCIAL
State: NC
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:
My wife was contacted on XX/XX/XXXX by someone claiming to file a lawsuit for fraud on a debit I had in 2010. They advised her I needed to contact them before XXXX the same day. At XXXX hrs I contacted them to inquire about the debt. They stated they are collecting a debt for GE Capital for electronic services I received fraudulently in 2010 for a total of {$1100.00}. I asked for the account name and address an they advised they could not tell what address it was used at but transferred me to there lawyer that could better explain. The lawyer stated his name was XXXX XXXX. I asked what the debit was for an he stated it was for a GE discovery credit card for {$310.00}. But after interested and late fees I owed {$950.00}. I asked him who the card account holder was an he stated I needed to get one thing straight. He was not here to convince me I owed the debit an I could pay for it or would be sued. I advised him I needed to know what the debit was for if I was obligated to pay it. He then stated I could pay the debit or he would purse legal action an he was not there to explain it to me. I could either pay the debit or I can go to court. With his extremely aggressive attitude an unwillingness to explain the situation to me I advised him to continue with the legal process. He suddenly hung up.

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: PA
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:
In XX/XX/XXXX I discovered an inaccurate report on my credit report while applying for a mortgage. This error has resulted in a denial which has adversely affected me financially and made it impossible to secure suitable housing. 

I contacted the creditor, Comenity Bank, directly via their XXXX number. They were unable to provide any details as they showed the account closed and sold to a 3rd party collection company, XXXX XXXX. 

I then contacted XXXX XXXX for details about this account as I had no recollection of opening a credit card with Comenity Bank. They too had limited information and referred me back to Comenity Bank. 

After numerous calls with supervisors at Community Bank I was able to ascertain the purported debt is from a My BJ 's membership card which I never authorized. Without my knowledge this card was opened despite me paying cash for my purchase at the retail outlet with my a free trial membership. An automatic BJ 's membership was charged to the card. I never received the physical card. I never activated the physical card. I never received any bills or statements. Without my knowledge and consent this account was created and an automatic {$59.00} membership fee was assessed. Nothing else was ever billed to this account. The {$59.00} fee ballooned to a {$340.00} credit charge off on my report and a secondary collection from XXXX XXXX. 

On XX/XX/XXXX I sent a certified letter to Comenity Bank addressed to the Clerk of Records asking for this to be investigated and resolved. To this date, I have not received any response. 

After not hearing back, I sent a simliar letter to XXXX XXXX who opened their own investigation. On XX/XX/XXXX, XXXX XXXX mailed a letter stating they couldn't substantiate the debt and they have ceased collections considering this a closed matter. They immediately deleted all records of their collection activity from my credit report. 

However, the charge off was still showing on my report with a balance from Comenity Bank. I then proceed with another letter to Comentiy and this time all three credit bureaus. Once again, I received no response from Comenity Bank but the three credit reports did update the reporting balance from {$340.00} to {$0.00} keeping the charge off as verified. The charge off status is completely inaccurate and is still preventing me from securing a mortgage six months after my initial attempt. 

I have exhausted all resources in attempting to resolve this with Comenity Bank and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
An alimony check was lost in the mail. So i stopped payment with the bank on XX/XX/2021 check number # XXXX and paid the fee. The check appeared in the mail and my Ez cashed the check and Citizens bank honored the check. Now my account is in the ( - ) and i have written other checks since this time. I have notified the person ( s ) who are expecting monies from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a purchase for XXXX EUR with my Citibank credit card on XX/XX/XXXX and was charged XXXX USD + an additional 3 % foreign exchange fee. The XXXX was based on a conversion rate of XXXX EUR XXXX XXXX USD as I was told by Citi. However, the official exchange rate on XX/XX/XXXX was XXXX. 

I understand that banks/credit cards use rates that are somewhat different from the official exchange rate, but this difference seems quite outrageous, especially since they also charge 3 % foreign exchange fee on top of it. 

Citibank refused to explain to me how they determine their exchange rates and only sent me a document with vague description that doesn't really say much ( attached ).

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 2022-03-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are incorrect addresses being reported on my report that need to be removed The address XXXX XXXX XXXX is not correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: EQUIFAX, 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:
There was nothing to explain further I have been sending letters to XXXX  and Equifax and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bofa continues to refuse to provide statements for several unknown accounts or to allow investment accounts to be transferred by XXXX XXXX XXXX. 
XXXX XXXX XXXX has informed XXXX XXXX at BofA XXXX that he wishes to transfer his accounts. 

I have power of attorney on these accounts, and BofA is aware of this. 

Please see the attached evidence of the fiduciary breach and unwillingness to follow client instructions for over 10 years by BofA, as it pertains to XXXX XXXX accounts. XXXX XXXX is a retiree. 

Thank you for your help.

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 2022-12-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX Acct # XXXX in the amount of {$680.00} has violated my rights. 15 U.S.C 1681 section 602. A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-06-17
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make regular additional monthly payments of {$100.00} a month to Firstmark Services ( a division of Nelnet and a loan servicer of XXXX XXXX ) to pay down my student loan ( this is in addition to the minimum payment of {$50.00} per month which XXXX automatically debits from my account ). After cashing my additional payment checks for years, XXXX failed to cash the additional payment checks for XX/XX/2019 and XX/XX/2019. XXXX was very unhelpful - basically my only recourse is to pay my bank to cancel the checks ( at a cost of {$29.00} per check ) and then reissue the checks. I am very unhappy about this. XXXX can give no reason why they stopped cashing the checks. The address to which the checks were sent is the same, and the checks are sent based on an automatic payment system with my bank, XXXX, which also remains the same. This feels like another way to gouge student loan payers by forcing us to pay for XXXX mistakes. XXXX refused to pay the extra interest that has accrued based on their not cashing the checks, nor did they offer to help in any way. When asked XXXX also would not give me the federal agency that regulates them so that I could lodge a complaint - they tried to send me to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Purse was stolen out my car in XX/XX/2015 and I noticed on my credit report I had accounts that's not mine. I made several attempts to contact the companies and let them know however its still on my credit report. I also made a police report and have copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: NY
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:
XXXX picked up the car after 2 months since it was a lemon law and they put my account on Charge Off with Repossion while it's WRONG and INACCURATE! 
Selling Bad car and XXXX my CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Genesis Credit Management is reporting on my credit report -collection for past due rent for apartment I notified the company that I did not sign lease for year XXXX XXXX XXXX and disputed the debt. They claim the debt is verified The lease I co-signed ended XX/XX/XXXX The apartment was rented by relative and he received summons for past due rent my name is not on the summons for XX/XX/XXXX or XX/XX/XXXX since I was not on lease. 
The court cases were dismissed since he obtained emergency rental assistance from XXXX XXXX. After he moved the XXXX XXXX XXXX in XXXX XXXX sent the notices to collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XXXX XXXX I noticed a transaction for {$3500.00} that was about to be paid from my business account that I did not authorize. I immediately called Chase Bank and asked them to put a stop payment on this transaction. They said they would and charged me a {$30.00} stop payment fee. I asked them what was the name of the bank attempting to withdraw the money. I was told it was XXXX XXXXXXXX XXXX. I was given the bank 's number which I immediately called. No one answered so I left a VM. No one has returned my call to this day, When I checked my account the next morning, I noticed that Chase bank paid the XXXX XXXX.I called Chase Bank to ask why they paid the withdrawal when I had put a stop payment on it. They were apologetic but said they had no recourse but to pay it since it was an ACH and I had authorized it. That was not true. I asked for the form where I authorized the payment. I was told I would need to file a complaint to get the form, which I did. 

I was told that my complaint was denied because I had authorized the transaction. I told the person I talked to that I did not approve the transaction. I again asked asked for the document showing my approval of the withdrawal. I received it through the mail. I had never seen this form before and at the bottom right hand corner of the form was a computer generated signature supposedly from me. 

I called the complaint department again and asked if there were any other steps I could take to get my money back. I was told to file a second complaint which I did. My second complaint was denied. Chase Bank told me it was denied because I authorized the transaction. I asked if there was anything else I could do and I was told no. 

I want the money put back in the business account. Interestingly enough while the complaint process was underway, I received an email from an unknown company asking me that if I signed the form they sent me, they would put {$40000.00} in my business account. The form they sent me to sign stated that if I authorized the transfer of {$3500.00} from my account to them, the money would show up in by account. I did not sign the form. When I got back in my office I attempted to download the form, it was gone from my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I had a loan on a property through XXXX. I set it up on auto-pay so I wouldn't have to worry about it. 
Yesterday I pulled my credit and saw that it was down to a XXXX XXXX   score. I have been close to an XXXX beacon forever. I found out that LoanCare bought out my loan at some point this summer and I'm now showing 5 months delinquent. When I called to find out what was going on, they told me they notified my by mail that they now had my mortgage and I needed to pay them. They showed my primary residence as being the same home their loan was on in Oregon State. I live in Washington State and received no call, no mail, nothing. I set up my auto-pay in good faith so I wouldn't have to worry about it and now my credit is affected. They told me to email to try to resolve it, but when I emailed the address they gave me ( customersupport@myloancare.com ) I received an automated email telling me that the email address is no longer monitored. I called again and was told I had to file my issue through my online account. I called again and asked to speak with someone who could resolve it and was told the ONLY way to fix it was to create an account, agree to all the terms and write an email through that portal. The disclosures I had to agree to weren't legible and I had to proceed without understanding what I was agreeing to. I believe they're attempting to collect fees, penalties and additional interest by not making proper attempts to notify customers of the fact that they took over their loan. This mortgage was set up on auto pay so I wouldn't have to worry about making the payments. It's not my primary residence and I'm never there. At no time in the past 5 months was I notified my mail or by phone that LoanCare took over my loan. 
I'm trying to find their info on the XXXX  to file a complaint and I can't find them anywhere. They won't talk to me on the phone. I told them that I just want to pay the total of all payments and I want them to contact the credit bureaus and repair my credit. I've never paid a late payment in my life and having my credit score drop by 150 points  because this shady operation didn't do their due diligence to find out where I actually live or call me is ridiculous. I believe they're trying to fraudulently collect unjust penalties, fees and interest by not making valid attempts to contact their new customers to make them aware of the fact that they bought their loan out. 
Please help. I simply want to pay the total of my payments without fees or penalties and have my credit fixed. 

Thank you. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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:
XX/XX/21 Filed a dispute with the credit bureau for an un-verified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 
XX/XX/21 Filed a second dispute with the credit bureau for an unverified account with XXXX XXXX XXXX XXXX ( account number XXXX ). Sent a letter via mail. 

I have not received a response from the Bureau. I would like a response as soon as possible as it has been over 30 days and the un-verified continues to tarnish my credit worthiness. It is fraudulent and 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 2020-12-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands

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 2023-01-05
Company: Monterey Financial Services LLC
State: MI
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:
Made a purchase through the company Monterey Financial Services for the estimated amount of {$1900.00}. 
Was given 30 days to pay the balance in full. However on the XXXX day, when I tried to pay the debt in full I was told I was not eligible for repayment and owed more than 50 % of my original balance ( more than {$4000.00} ). I was told that in order to be eligible for repayment in full I had to call 5 days before the XXXX day and inform Monterey Financial Services of my decision to pay the balance in full. The company then placed this balance on my credit report in collections. I disputed the claim and had it successfully removed, only to find a month later that the debt returned and I was charged an additional {$1000.00} in interest taking my balance over {$5000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation