BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: Bread Financial 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: Information belongs to someone else

Complaint:
Someone tried to get jewelry Im assuming because I have an inquiry from comenity bank/XXXX  claiming I applied for jewelry and I didnt. They also have inquiries for bank cards that I never applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had an account and it was over drawn I tried to call and report the fraud because I was not the one who made these transactions and Wells Fargo charged me Alot of over draft fees and closed my account. They didnt do anything but close my account now I have judgments on my credit and Ive been getting billed!

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 2021-09-13
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ever since I refinanced my automobile loan with Oportun they have engaged in very unorthodox lending practices and harrassment. I complained that they were calling me too much, so they completely stopped calling me to apprise me of important matters pertaining to my loan. I asked them why they were not contacting me when they falsely believed I had missed a payment and they said it because I told them to stop calling me. I explained that I did not want to be called 10 -15 times a day to remind me that my payment was upcoming. I asked to cease the excessive calling. Oportun would call repeatedly even after the payment was timely made. When I asked why, they said it was because it took a while for the payment to process. 

I have asked to be emailed or mailed bills, notices, inquiries and to this date, Oportun does not email or mail me any correspondence as it relates to my loan. When I ask why they claim they do not have my e-mail address ( no matter how many times I provide it ). I ask why they won't mail a bill or any other documentation and the representatives say they do not know why and will investigate. Oportun never e-mails, mails or calls me with a follow up. 

Additionally, Oportun routinely falsely claims that I am behind on my payments and when I ask for proof they state they will research and get back to me. They often claim that I had returned payments ( NSF ) and when I point out they are not being truthful, they again state that they will research it get back to me. They never respond about their false claims. 

On XX/XX/XXXX I called to ask why Oportun had not debited my electronic payment from my bank accoutn. I spoke to XXXX XXXX who stated that the notes said I am in bankruptcy so they could not debit my payment. I am not in bankruptcy, and even if I was, they were still authorized to automatically debit my monthly payments as I requested in XXXX of XXXX. Oportun debited ( electronically ) in XXXX of XXXX, but did not debit my XXXX payment. I asked to make my XXXX payment, and I was told that Mr. XXXX was unable to take the payment until the persons he escalated my complaint to could address the issue. 

I told XXXX XXXX that I would be reporting Oportun to the FTC and any other oversight agencies that deal with predatory lenders. The majority of the customer service representatives seem to be very inexperienced and somewhat fearful. They seem to lack knowledge about the company and the industry, in general. 

During covid, I asked for a forbearance and they fought me not to grant it. They finally gave me a one time forbearance, despite the covid protections that were then in place ( XXXX ). They once sent a repossessor to my home to attempt to repossess my vehicle! 

It is my belief that Oportun is intentionally trying to create situations where unknowing borrowers will default on their loans so they can repossess their vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: C/C Financial
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had went to a furniture store on XX/XX/XXXX received it on XX/XX/XXXX. They told me I can get a line of credit from a Company called Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. I applied and got approved for the XXXX. If I would of payed it off in three months no interest rates would of applied. However that could of went as planned cause the flowing week the furniture started falling apart. Draw handles were breaking bed legs were on the verge of breaking and wood was chipping on the bed. I called back the furniture tried to get them to fix it. They were rude I called the loan company tried to get there help and they told me I had to call the furniture store cause they wont take back damaged furniture until I make a payment. It was to the point where I went to small claims court and filed a complaint against the furniture store. My court date was set for XX/XX/XXXX at XXXX. Until then I continued to call the merchant and the credit company. Then on XX/XX/19 the Furniture store decided they want to come and fix my furniture. I allowed them to cause my XXXXyr old  had to sleep on that bed. After they fixed it I called back Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. to have them adjust my late fees and payments to start my payment for after they fixed my furniture due to my furniture being damaged for 3months and me trying to get them to fix it. Instead of them helping me with my three months of stress and worry about weather or not the bed is going to break while my son is sleeping on it. They rather tell me this will be on my credit it I dont pay and I signed a contract with them. What about the defaulted furniture I was sold. I would like for my bill to be started fresh in XXXX or I want my lease terminated. I have pictures to prove my case as well as legal papers I had filed for court. As well as they have recording of our conversations. This is injustice and a company like this should never be in business they are robbing people and messing up their credit.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company response to consumer: In progress
Consumer complaint received 2018-11-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi bank sent me a mail offer regarding opening a checking account and if I fulfilled certain conditions I would receive {$700.00}. As Ive previously complained about citi bank not honoring a previous offer I went to the XXXX branch and spoke to a staff member XXXX XXXX who stated that the only conditions listed on the flier were to spend a certain amount of money and to have a Qualifying bill paid from my account for 2 months. 
She checked the flier twice and confirmed that there were no other conditions listed. I read the flier 3 times including the small print of which there was a lot and then called the number on the flier before I opened an account online. 
I spoke to XXXX who told me that I had to have {$200000.00} in my account to qualify for the {$700.00} and lesser sums for the other amounts/rewards. He could not explain why the flier did not list the criteria but apologized and agreed to have my name removed again from their mailing list. This kind of false advertising is not allowed in other countries why then does citi bank keep being allowed to send out misleading offers for new accounts and sometimes credit cards.

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 2021-05-20
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I receive a phone call supposedly from Citibank Fraud impersonating the bank and stating there was a fraud happening in my account I was under impression that it was a follow-up due to there's is a case already opened. After we disconnected the call, I received an email stating there was a wire transfer sent that I don't recognize. I contacted my bank right away and was able to freeze my account. The first wire was not stopped and able to send out {$1200.00}. I have a case number from Citibank Fraud Wire Dept. I was advised to file the Police and FBI report which I had done. I followed up with my bank and was told that they can't help me with getting my money back due to money was already sent. My complaint was denied. I was advised to seek someone to help me. Requesting 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 2018-11-20
Company: Nelnet, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have XXXX loans on my credit report reported that arent accurate. XXXX loans open in XX/XX/XXXX, I have no knowledge of. XXXX loan I paid off in XXXX isnt even showing on my credit report. 

I called my loan servicing to get help with correcting my credit report and after 30 minutes of specking with an uneducated rep, I was advised to mail the report in for review. I am requesting to have my lone servicer changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: St.John Cobb Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is an item from XXXX XXXX XXXX XXXX, a collection agency that hit my credit report on Saturday XX/XX/2019 today and the office is not taking my calls. Someone is there because it is dated today. I just moved into this town. That may have been a mistake and I believe someone is intentionally trying to ruin my credit. This should not be on my credit report and is not a valid debt as it reports a XXXX balance and was not previously reported. It needs to be removed and blocked and the company is not taking calls on the issue. Someone was there to help me because it literally just posted today. 

My guess is that this company collects for the community I moved into last month. The collection agency is in the same town as my community. The community manager is not aware that I saw that my apartment went onto the market after I failed to pay my rent on XX/XX/2019. I paid it on the XXXX having utilized the grace period. They took the apartment off the market on XXXX after discovering that I paid the rent the day before. I have no idea if the community manager was spawned by the XXXX and a lying XXXX at the time, but she did all she could to hold me up from getting into this apartment. They recently left a card on my door with their core values which included serving the TEAM first. Shouldn't they be serving residents?? This was a personal message that they will back one another at all costs. Other residents have encouraged me telling that she will always do what she has to to feel like I am beneath her. It was the nicest way of calling her XXXX without saying the word I guess. I've seen so much come out of her that I can't put it passed her to get a head start on sending me to their debt collection agency prematurely sure of herself that I was not going to have my rent for XXXX on time. I need this company removed and blocked from my credit report until I am done legally following through on all matters accordingly. This is fraudulent.

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 2023-01-19
Company: EQUIFAX, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act, my rights has been violated. 

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : {$4900.00} XXXX  XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi! In XXXX, I used an XXXX store card whose carrier is XXXX. I shopped for Christmas presents and got hard copy statement. I paid it. In the month of XXXX they told me was late, via text, no hard copy. I didn't even know this was the same card there was reference to XXXX Bank. They didn't bill me by a hard copy so I could not tell what else I purchased. I filed a complaint because I did want my credit rating to drop. There was no reference to what I actualy purchased and the text only referenced XXXX  NOT XXXX called they didn't give me address to even send it nor an electrical address to send the payment. At the end of XXXX, they had informed XXXX that the purchased were fraudulent, they were not. I complained to an agency because of bad business practices ; not bad merchandise. I sent them a check for the remainder of the balance. Then I received a myriad of message that stated I was 'displeased ' by my products and they reneged paying those merchants. I never said that and demanded from XXXX  they repay the merchants with the monies I already used. I also demanded they cancel my credit card. I spoke to a representative and they promise to pay the merchants and reimburse me. Last week, I received a check from them figuring I overpaid them. Today, I got a letter from them demanding the money back. Thus far they have no evidence that they even paid the merchants and I know overpaid them. I want the matter resolved..

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 2022-11-23
Company: Bread Financial Holdings, Inc.
State: MD
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 was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and Forever XXXX ( Comenity Capital Bank ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX XXXX If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB AUTO Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft JPMCB AUTO Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2017-12-20
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DATE XX/XX/17 {$750.00} Keep receiving harassing phone calls and have explained multiple times threatening to call my job and other family members! 
Also after further research according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received my Department of Veteran 's affairs XXXX determination XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. Thus, I am exempt from paying property taxes on my primary residence in the state of Texas. 

I have contacted Freedom Mortgage several times in regards to the retroactive escrow adjustment, and to adjust my monthly payment amount to include the tax exemption. They have not adjusted the balances on my account, and as a result they are continually harassing me for a XXXX XXXX payment that is grossly inaccurate.

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 2021-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My payments were set up Bo-weekly I called and spoke to a representative that states because o was ahead in my mortgage I could stop them and start them back up in a month. I called and was told that wasnt possible and it was never offered. I stated look at my account and was told its nothing we can do. The customer representative should not lie to consumers., had I known I would not have stopped it. You cant slam people into Bimonthly or monthly! I have been lied to and dont appreciate the lack of knowledge. This does not help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tonight XX/XX/19 I attempted to access my credit report online at XXXX. I have always been able to download and check my credit before. Now XXXX says I must contact them and they will mail it to me!! Shall I tell you how many times the Postal Service has lost or misplaced my mail?!? And they think I will mail sensitive information like my Social Security Number to them? Think again. It is our right to check our credit data. The internet has many complaints from people just like me. What are you doing about it?!?

Company response to consumer: Closed with non-monetary relief