BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-21
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
AMEX has illegally sued me by violating my consumer rights under the FCRA 15 US Code 1692i ( b ) I have never given written or oral consent to authorize the bringing forth of legal actions by AMEX for the alleged debt of over {$5.00}, ooo.

They sent any & all information of this alleged debt to the wrong address on multiple occasions which violated my privacy as well as violating FCRA 15 US Code 1692b,15 US Code 1692d and 15 US Code 1692c ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification form XXXX  that a new collection was added to my report as of XX/XX/2018 from XXXX XXXX XXXX for over XXXX for XXXX XXXX. I have never had any services with XXXX XXXX. I was not sent any info in regards to this which gives me a chance to validate and dispute this debt which is against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. 

I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. 
Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. 
The last time I explained this, I was rudely told I can not access my account because my account is past due. 
This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? 
Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. 
These charges added on need to be removed along with all of the interest and finance charges. 
My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? 
How does a consumer get help for this? 
Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Movement Mortgage LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Lender added additional fees for a loan lock that I was unaware of. When I disputed there response was they thought it was in my best interest to lock the rate without my consent. I ended up paying more money for closing then I agreed to. I felt deceived and put into a corner with no other option but to sign and pay the additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Got a scam letter from Comenity Bank saying I applied for a ALL Rewards Mastercard, which I did not do. And goes on to say they need my SSN, date of birth etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
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:
These are not my accounts, and I don't recognize a couple of names listed. Additionally, I did not authorize these companies to run my 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 2021-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I have filed a dispute to the incorrect items on my credit report, it has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
Company: Ocwen Financial Corporation
State: CT
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:
I received a notification via XXXX XXXX that my credit score went down so I investigated. 
OCWEN loan servicing placed a remark into my credit file that stated " foreclosure Initiated '' and my already low credit score crashed. 
I have been in a mortgage assistance program offered by the State of Connecticut ( XXXX ) for 4 years and have made every payment on time. I see in the history that there are 3 late payment within that time period but the dagger to the heart is the comment that was added between XX/XX/XXXX and XX/XX/XXXX. 
I am not in foreclosure and demand resolution. 
I was able to save my house 4 years ago and was in court ordered mediation to rectify the situation. For 6 month OCWEN 's representative lawyers fought me every step of the way but were smacked down by the judge as I was right and just in every dealing with this company. I need resolution as I an a 20 year XXXX Veteran, very recent XXXX, and am applying for a second career. Credit checks are part of that process and I am now limited to the company 's I apply to. I need help now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I graduated from the University of XXXX in XX/XX/XXXX. I started receiving emails about this debt in XX/XX/XXXX. I have requested documentation from them but have yet to receive anything showing the accuracy of this debt, the first date of delinquency, etc. They have illegally reaged this debt twice and I have filed disputes each time. Their tactics make this debt seem more recent than it is which will affect my credit into perpetuity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the XXXX. I had insurance through the military XXXX XXXX The visit was not billed under my insurance it was billed as though I had none. Now its on my credit report. Ive disputed it multiple times and they refuse to drop it or try to work it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They XXXX to close my bank account no reason just because had some fraud on my account an somebody deposited a check into 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 2018-06-07
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a phone call from Navient in XX/XX/XXXX asking to speak with my brother. I explained I did not know how to contact him and asked that I not be called again. On XX/XX/XXXX, I received a second call, from XXXX. She left a message. I received a third call today, XX/XX/XXXX at XXXX. XXXX left me a voicemail. 
I called back and was informed by XXXX that because navient is a private company, the fair debt collection practices do not apply to them. She then told me that she was allowed to call me as much as she wanted to. And that no one has ever called me before. At the end of the conversation, XXXX did agree to remove my number from the file. 

According to the fair debt collection practices, a debt collector an agency my only called family member one time, Unless the family member request a call back. I did not request a call back and do not want to be called by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Rosebud Economic Development Corporation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan with XXXX for {$800.00}. I made a few payments and then requested to pay the loan off. I received a reply email telling me it would be done and that my payoff was approx {$640.00}. Come payday they took out the {$640.00} and an additional {$440.00} that was the std payment amount. I called them and they said they made an error and after a few hours on the phone they refunded the {$440.00}. Now they are saying the payoff amount was calculated with that final payment and that I still owe them money. Please put a stop to this.

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 2021-08-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX CR U on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is a follow-up to my original complaint filed through CFPB, which was answered by the Bank. I have included detailed descriptions in this submission. This complaint refers to Wells Fargo and their BSA in-compliance, resulting in a loss to myself, and my business. See the attached submission

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 2018-06-06
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently received notification that Barclays card is looking to gain a settlement regarding a debt that is not mine. I never authorized a card ( XXXX XXXX ) with Barclays. I also never received a card, bill, or any other notification in the mail regarding an account in my name with Barclays. I was initially contacted by a debt collector after this debt was approximately 6 months past due, however, in conversations with them, I discovered that the address and my birthday listed on the account were incorrect. The information incorrectly listed me at an address in Indiana at that time the card was open when in fact I lived in Illinois. I explained this to the debt collector, however was never given any additional information. I also disputed this with the credit reporting agencies as I have never used this card and never authorized this card. In discussions with the debt collector, I was informed that the card was used and paid on time for several months before the payments stopped. However, I never made any of those charges or any of those payments. I have tried to contact Barclays to gain information regarding the account, including account opening information, statements, and payment information, but have not been able to speak to anyone who is able, or willing, to assist me. As this information is being reported negatively about me on my credit report, without properly notifying me that it could be. I never received any statements in the mail or through an email address, and again this account was not opened by me, had incorrect CIP information which should have triggered this account to not open, and I never signed any information agreeing to a contract between myself and Barclays Card.

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 2021-02-12
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX  on XXXX ( report # XXXX ). According to my most recent XXXX  credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello. I opened a checking account at HSBC using a promotion. My account number is XXXX. 

I am supposed to receive a {$450.00} sign on bonus after I direct deposit a total of {$5000.00} in 3 months. The bank is denying the bonus claiming that {$5000.00} needs to be deposited each months. I am attaching supporting documentation. 

1. Copy of promotion that I received is attached ( name of the attached file is HSBC Promotion received.pdf ). Highlighted area on pager 3 states that a total of {$5000.00} needs to be deposited. It does not say that it needs to be deposited each month. For reference, I include a current HSBC promotion that clearly states that {$5000.00} needs to be deposited each month. Clearly, HSBC recognized an oversight and corrected it. 

2. Attached is copy of my bank ledger showing deposits, {$1500.00} each 2 weeks for the total of {$9000.00} for three months. 

I contacted HSBC a few times and it appears that they are confusing current promotion with the promotion I received. My HSBC case # XXXX. 

I would like HSBC to honor the promotion I received and deposit {$450.00} into my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: American Coradius International LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from ACI, American Coradius International LLC, regarding a debt that I do not owe. The bill from this company is not even in my name. Someone named " XXXX XXXX. '' My name is XXXX XXXX XXXX. 

I sent a request to this company for proof that this is my debt, who the original debt owner was, the account number, amount, date of last payment, when the account was opened, closed, and sent to collections. I received no response from ACI. 

I want this company to stop contacting me about a debt that is not mine. They are required to provide proof this is my debt, they did not follow the law and do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: The Best Service Co.,Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account THE BEST SERVICE CO/XXXX  with account number # XXXX is still reporting this collection account to XXXX  Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was 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 2022-08-07
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This complain is joint first for you is Ford Motor Credit. This loan was fraud and Ford knew it because they had to check my credit report. The car dealership XXXX XXXX XXXX in XXXX Georgia falsified the entire contract. I did not qualified for the loan and the dealership and Ford knew I did not qualified because of my debt to income ratio. You have to fine what they did and order the contract null and void and return my XXXX cash deposit. I sold the XXXX as soon as I realized it was a predatory loan. Ford was no help and blamed the dealership I disagree Ford is as responsible I did not give them any false information, the dealership falsified the information all of it. The sale date was XXXX XXXX. The Ford loan number XXXX. Ford is an ILC thus subject to bank fraud charges. What the FTC new rules is what I experienced I had a XXXX credit and a 12 % rate. It was XXXX motivated a XXXX tax in violation of XXXX frank act.

Company response to consumer: Closed with explanation