BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Discover Credit Card on XX/XX/2020. I had received two invitations from Discover within the past 30 days before I applied for the card, both invitations stating : 0 % Intro APR on Purchases and Balance Transfers for 14 months After your Into APR ends your standard variable purchase APR applies, currently 15.99 % -18.99 %. 

I checked my credit scores with XXXX XXXX on XX/XX/2020 and they were above 700. 

since they were above 700, I decided to apply for the card. 

I get the card, it comes with the 0 % Intro APR on Purchases and Balance Transfers for 14 months but it comes with an interest rate of 20.99 % Also, the card comes with a page stating my credit score is XXXX. 

I call Discover card on XX/XX/XXXX. I explain the problem and they tell me that the invitation interest rate is not set in stone and the interest rate is based on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.

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 2022-12-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Balance has been charged off FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A XXXX  card was opened to my name, I did not apply nor use one and I keep getting calls of XXXX XXXXredit card every day. Also a wells fargo credit card i applied to in which i never received the credit card was used in which i keep getting calls of as well. There has also been XXXX accounts with my SSN, i tried to make an XXXX account & it said I had a profile already and i pressed to see what email was used to make it & it was a XXXX account, i dont have a yahoo email nor i made a affirm account. This has happened before when I was smaller someone was using my SSN to work at a Job which I wasnt aware that had happened until now.

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 2020-09-15
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX XXXX, my family member was in need of a vehicle, and I was asked to cosign. Although I was dealing with a XXXX XXXXy on-the-job injury, of which was told to the sales people and others prior to any transactions. I also informed them of the pain medicine that caused me to tire and become incoherent, also my medical condition were very visible, but they continued to be very persistent. The loan finance company of the vehicle is Credit Acceptance Corporation. In or about XX/XX/XXXX the vehicle was in a total loss accident. I filed a claim and later was told that my then insurance company paid off a large percentage of the vehicle, and left a balance, of which I requested payment information, but did not receive any written documentations. Since the vehicle loss, on many occasions I've unsuccessfully requested information of payment and balances Also, during the beginning of the vehicle loss, it was listed as a natural disaster loss and account closed. Throughout time Credit Acceptance has changed this notation on my Credit Reports and reopened the loan also adding more fees to the account.The loan agreement was not completely explained to me, I later learnt the information. The vehicle was a XXXX XXXX XXXX, amount {$15000.00} @ 60 months @ {$450.00} monthly. 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 2021-11-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX - Reviewed credit report on XXXX, XXXX and XXXX and noticed Collections Account entry from Columbia Debt Recovery LLC dba Genesis for amount owed of {$1000.00} XX/XX/XXXX - Initiate dispute via XXXX, XXXX and XXXX and requested for debt validation letter from Columbia Debt Recovery LLC dba Genesis XX/XX/XXXX - Received mail with letter dated XX/XX/XXXX from Columbia Debt Recovery LLC dba Genesis with validation of debt documents for debt with original creditor, XXXX XXXX XX/XX/XXXX through XX/XX/XXXX - Reviewed documents provided and established that debt was not mine for the following reasons 1. XXXX XXXX document provided as part of debt validation was from calendar year XXXX whereas debt owed was from calendar year XXXX 2. Debt owed to XXXX XXXX was indicated to be in XX/XX/XXXX whereas lease agreement with XXXX XXXX had terminated in XXXX/XXXX with all no dues pending Available evidence in my possession includes the following 1. Signed XXXX XXXX document for XXXX with XXXX  XXXX indicating leasing period from XX/XX/XXXX through XX/XX/XXXX 2. XXXX XXXX statement for XX/XX/XXXX indicating my payment of {$1700.00} as full final payment of all dues for XXXX lease term of XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Initiated dispute of Collection Account entry in XXXX credit report via XXXX website and uploaded evidence documents as described above XX/XX/XXXX - Sent a " Direct Dispute '' letter via certified mail to Columbia Debt Recovery LLC dba Genesis with complete details of erroneous entry in credit report along with evidence documentation as described above XX/XX/XXXX - Received results of dispute from XXXX indicating that " Item has been reported correctly '' I am yet to receive any communication from Columbia Debt Recovery LLC dba Genesis regarding the " direct dispute '' that I sent on XX/XX/XXXX I have provide concrete evidence to show that the debt is not mine and the entry in the credit report is incorrect. I am filing this complaint to ensure that the entry is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: AZ
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:
Hello, please see documents attched for more details. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 5 inquiries on my credit report that I m not familiar with, From 1. XXXX  2. XXXX XXXX 3 XXXX 4. XXXX XXXX XXXX XXXX These credit inquires are on my report and I have no idea where they came from, They are fraudulent and would like to have them removed immediately.

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 2021-09-21
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016 I settled an outstanding XXXX XXXX bill and negotiated an amount and paid it in full. The debt collection agency ruined my credit with this and my credit report reflects it was paid in full. I added a statement to my credit report explaining what occurred. Now 5 years later they are again trying to extort money from me. This has to cease ; they can't just continuously harass me about a 5 year old debt that was settled. This is fraudulent practices and someone needs to stop this extortion and fraud.

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 2017-12-14
Company: U.S. Collections West, Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company (   US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear sir/madame, This is not a duplicate complaint, I am providing new information. Citibank keeps holding my money since XX/XX/XXXX without any explanations. 
After multiple escalations, including attorney general of New York state, Citibank replied on XX/XX/XXXX, that they now can't locate the wire and asked to provide wire transfer references ( despite the fact it was provided multiple times previously ), which I did. And Citibank again went on mute, simply ignoring mutiple requests from the remitting party ( eXXXX and XXXX XXXX ) as well as my inquiries. Attaching all the documentation here again, hope this will help moving the needle. 

It is more than a year now that I'm trying to get my well earned money back to my account in the US at eXXXX XXXX XXXX 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Southwest Credit Systems, L.P.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not sure why I am having to continuously deal with the fraudulent account and debt form Southwest Credit in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX and Southwest Credit again in XXXX. I have previously provided information to all of the Debt collectors that this account is not mine. I have received correspondence from Company Southwest Credit and contacted them today and they swear that this is the first time that they have ever contacted me??? I informed the Southwest Credit representative that she was not being honest and and that I had previous correspondence in a file. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name- XXXX XXXX. She became vile and threatened to report this fraudulent debt to the credit bureaus and " destroy my credit ''. Is this even legal?? I am mad right and I am fighting back! 

I say again and will continue to ask that this account be validated, via a signature page and provided to me at my home address. 
I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from South and verification in writing that this fraudulent account will not be reported to the three major credit bureau 's by them and if they have already reported, I want a similar removal letter sent to me within 15 days. If Southwest Group can not validate via a signature page I want this fraudulent account removed and I never want to have to deal with them again. If necessary, I will seek legal council. This account is not mine and was opened in my name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
I received a letter from Chase Bank that said my application needed more information for the Chase Freedom Visa Signature application. I have not tried to open a card or any sort of account with Chase Bank. It stated the information they needed to verify was my date of birth and proof of physical address. I called the number gave my reference number that was found on the letter and the representative closed the application and marked it as fradulent. I ran my credit report and saw that there was one instance of a credit check that was not supposed to be on there from Chase Bank completed on XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XXXX XXXX Credit application was submitted to AMERICAN EXPRESS An Adverse Action letter which is against the law according to Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k.

Furthermore, because my social security number ( credit card ) was used and I received no benefit this is proof of fraudulent activity ( unauthorized use of credit card ) an behalf American Express Credit application Reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX We had debt collection going on heavily since I, XXXX XXXX Lost my job due to absence from severe sudden XXXX resulting from illness. One income ( XXXX ) was not enough to pay the bills. We were garnished to the max, didn't know that we could fight it. The kicker was that the debts would be passed around after I would write the judge to let them know that I have to eat at church and get baskets from various food pantries to make it but I had XX/XX/XXXXand I was ill, couldn't keep up ... so I asked for it to end. ( this was from XXXX - XXXX ) The judge ended it - and only then in XXXX did we realize that KOHN law firm [ who was very very very horrible mannered when we asked for reduction or for them to stop on our own ] Over-garnished monies by far.. They sent us the over-payment sheet XXXX XXXX XXXX did The Amount of payment was XXXX. The judgement was XXXX. 

We paid them XXXX, XXXX The Judgement XXXX Owed to XXXX XXXX I remain very ill but I am finally able to stay home long enough to get through some of these things that have been weighing me down. I have a home to save. This company has since garnished XXXX check and did so just a few months ago. Rather than use the access funds, they took more. I was struck suddenly with such severe XXXX and illness. We are almost there as far as clearing debts without bankruptcy. We can't get anywhere with this company in this amount of time and it was impossible to file any sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Upgraded Citicard to platinum card. Company never closed account on regular card even after 3 phone calls to fix each time being told account was closed. Account was never closed then had an old recurring charge of {$60.00} and 4-5 months of {$40.00} late fees even though I never received any billing statements. During this time used and paid {$31000.00} on new upgraded account with ebilling and paying off entire balance each months. How can Citicard take my money on one account then never bill me, charge me 2 times charge amount in late fees, then report me to credit bureaus as 90 days late. Complete lack of follow through closing old account by Citicard.

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 2023-01-12
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Greetings. I have submitted all of the required documentation to Mohela, my student loan servicer, to document my eligibility for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) Program. Documentation was submitted beginning in XX/XX/2022. As of today, this documentation demonstrates that I have met the requirements of the PSLF program and I am eligible for forgiveness. Also, in XX/XX/2022. I requested a refund of my payments during the federal forbearance period from both Mohela and XXXX XXXX. I have not received neither my refund nor a written response to my request for discharge of my loans due to submission of documentation that demonstrates I have met the requirements for PSLF. 

The delay in processing my request is negatively impacting my livelihood because the PSLF program requires that applicants remain in public service until Mohela mails or informs applicants of approval for loan discharge or forgiveness. I have had to decline job opportunities and I am being restricted from pursuing other jobs outside of public service until I receive a response from my student loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My ex-boyfriend ( and the father of my older XXXX children ) fraudulently opened a XXXX Wireless Account ( and possibly other accounts ) using my Social Security Number and an alteration of my name. I tried disputing the account with XXXX when I first became aware of it in XX/XX/2014, but never submitted the fraud packet to initiate the dispute. I was recently told by a representative at XXXX  that I need to file a police report, but I have no address or phone number for my ex-boyfriend, I only know that he lives in XXXX XXXX County, MD.

Company response to consumer: Closed with non-monetary relief