BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-21
Company: Bread Financial Holdings, Inc.
State: MI
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:
I was contacted by XXXX XXXX XXXX in XX/XX/XXXX for an old credit card debt from XX/XX/XXXX. They called me as a courtesy call to take care of the debt before we went to court. I told XXXX of Assured that I was never served with a complaint and he assured me he had a court date and time, but couldn't provide me with that information when I asked. He told me I was being sued for interest from when I had the account to present, plus attorney fees, but we could work something out. I continued to ask for more info, but he couldn't provide it. In XX/XX/XXXX I received a phone call from their process server location service. They contacted my parents, brother and XXXX year old grandmother saying they had legal papers for me. I returned their call and asked them not to contact my family, which XXXX denied that they did. Again he threatened me with a lawsuit and said I could settle for {$300.00} if paid by XX/XX/XXXX. I agreed to {$50.00} per month with a {$300.00} settlement by XX/XX/XXXX. I never received anything in writing, nor did I sign anything from XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX and told him I had met our agreement, which he denied and said I had to make payments until XX/XX/XXXX and that he " would have fun with me in court '' and that " he wasn't done with me yet '' and " XXXX XXXX, XXXX you can't just stop making payments " and that he would " embarrass me for sure ''. 
Today, XX/XX/XXXX, I received another call from XXXX asking if I was planning on making more payments. I told him I was not making anymore payments as this debt was settled. He told me he would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXXXX/XX/XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$260.00} XXXX XXXX  XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, and as a result a number of. accounts are on my report that are fraudulent. I would like to have these accounts blocked and removed from my credit report. 








XXXX XXXX XXXX Status Open Balance {$13000.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$6200.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$650.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$3200.00} Type Retail Card Payment Status Late XXXX XXXX XXXX XXXX Status Open Balance {$2100.00} Type Credit Card Payment Status Late XXXX XXXX XXXX Status Closed Balance {$48000.00} Type Installment Loan Payment Status Late

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 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
In XXXX XXXX  I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my EQUIFAX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/XXXX XXXX was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX XXXX am a victim of identity theft. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX have egregiously fraudulent accounts on my credit profile that need to be removed, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by XXXX XXXX   OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known.

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 2021-09-07
Company: Experian Information Solutions Inc.
State: PA
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:
In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX XXXX XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF EDXXXX XXXX  was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a 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 2019-02-07
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit report and saw a negative trade line for Diversified Consultants on behalf of XXXX XXXX. What's odd is, I have a current account with XXXX XXXX at my current address, which is in good standing. So, I'm not sure where this debt is stemming from but i would like someone to research it. 

My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX, GA. 

I contacted Diversified Consultants and they say this is for account number XXXX XXXX XXXX XXXX at my old address XXXX XXXX XXXX, XXXX, GA. I HAVE NOT LIVED AT THIS ADDRESS FOR OVER THREE YEARS, so I'm not sure why there would have been an active account. 

This exact same situation happened to my sister with XXXX. She moved from one address to another, and for some reason, a new account was established instead of transferring her old account. She, too, discovered an issue on her credit. But once she reached out to the Executive office of XXXX, they researched and corrected the issue, crediting back balances not owed. I expect the same exact outcome, and i expect this debt to stop being reported negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: QuickClick Loans of Illinois, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a XXXX $ loan in XX/XX/2016. I have been paying XXXX $ a month since to pay off the loan. The balance currently owned on my loan is XXXX. I have contacted the company MULTIPLE time to let them know I have paid back this loan times already with interest. I didnt realize the interest was at 96 %. I didnt realize a company could allow the interest to be so high. I have the account tied to my main bank account so it comes out automatically every month. There has to be something that can be done to get out of this loan. There is no longer any contact information on the website to get in contact with anyone.

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 2018-02-22
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.

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 2020-01-21
Company: BARCLAYS BANK DELAWARE
State: PA
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 set up recurring payments on Barclays billing website. I was under the impression that my bills were paid on a recurring basis. Barclays never initiated the payments. Barclays never notified me that any bills were overdue. I contacted the representative from Barclays, he agreed with me, reversed late fees and advised me to send a letter to Barclays Headquarters. They denied this claim. I initiated a complaint with XXXX  and also did not correct this issue. My credit has been flawless for the past 20 years. This caused a 100 point drop in my rating. This is a total violation of my rights as a consumer.

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 2021-09-07
Company: CITIBANK, N.A.
State: NY
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:
Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave CBNA any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # XXXX I was never late, 30, days in XXXX XXXX 30 days XXXX XXXX  and 60 days XXXX XXXXIm not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ocwen Mortgage company took over my mortgage approximately XXXX to the best of my memory, and I did not know who they were or anything about them. I had no choice in this matter and did not seek another mortgage company, they picked my mortgage to exploit for profit. As it turns out I discovered they are merely a collections agency that got into the mortgage business during the XXXX housing crises. They are a nonlending mortgage company that finds people that have had mortgage payment problems and then exploit this by raising the mortgage payments without explanation or remorse to force the sale or foreclosure of the house. They have raised my mortgage payments on a 30 year fixed rate loan ignoring requests for an explanation for the increases in my payments. I was forced to hire a lawyer in XXXX trying to deal with this company and forced into bankruptcy only because of them and trying to not lose everything I have worked for my entire life. 
In approx XXXX XXXX they had raised my mortgage by over {$800.00} from the original payment amount and there was no way I could pay it I sought help from them still not knowing they were merely predators seeking profit. I was instructed by their representative XXXX XXXX to get 3 house payments behind allowing them to do a mortgage reconstruction dropping my interest rate and house payment. This was a tactic that when I was behind 3 payments I would not be able to refinance with another mortgage company and would literally be locked into a mortgage reconstruction with them. I did as i was told got 3 payments behind and began the mortgage reconstruction making my 3 trial payments of {$1100.00}. They sent me te paperwork to sign and my principle had gone from {$210000.00} to {$220000.00}. When I inquired and asked for a written explanation for this {$13000.00} they refused and would not explain it and told me to just sign and send the contract. I refused without seeing a written explanation. I tried to make the fourth payment and Ocwen refused my payment and within 5 days sent me foreclosure papers. It has been a legal battle ever since then costing me money without seeing any relief. 
Ocwen is well known to CFPB as they were shut down from obtaining new mortgages for the doing to others as they have done to me. Unfortunately, they see the CFPB as a toothless tiger and have merged with another company PHH Mortgage and continue to operate using the same tactics as always. I am now doing battle with PHH Mortgage and my lawyer that admits I was forced into bankruptcy only because of Ocwen has done nothing for me yet has had me send money to the mortgage company that has done nothing to help my situation. In effect it has ruined me, a XXXX veteran that is a XXXX  and I am going to be forced out of my house with nothing. Ocwen/PHH Mortgage are destroying the lives of people every day and disregard every government agency that slaps them on the wrist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft. I have filed a police report and filed a complaint through the ftc. In the year of XXXX I misplaced my purse at XXXX with my dl & social security cards, debit card for me and my children. The following items are appearing on my credit report as a result of me being victimized I am requesting that these be removed immediately as it is destroying my credit reputation. I had no knowledge of these accounts until a year ago ( XXXX ) and tried disputing directly with credit companies. Please help me with this matter.

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 2020-08-29
Company: Square Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 my uncle sent me {$200.00}. On XX/XX/2020 Cashapp locked my account due to what it called suspicious activity. I contacted Cashapp to request the account be unlocked. I explained that I need my money to pay rent. Cashapp hasn't responded and still have my account locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
American Express is not properly investigating a dispute I opened twice regarding an item I returned for a refund. I have documentation regarding the return and the receipt of a successful delivery / return tracking number. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX Laptop from the XXXX store which had a defective screen. Shortly after I requested a return through the XXXX XXXX and was given a UPS shipment label with tracking number # XXXX. 

With this tracking number I returned two of my defective XXXX XXXX 's, only one of which I was refunded. ( There was a third return as well, due to yet another faulty laptop on XX/XX/XXXX however that was already refunded. ) American Express seems to be getting confused due to the multiple purchases and refunds, however only 2 of my 3 laptops were refunded despite all of them being returned and successfully delivered to XXXX. 

XXXX Store Returns : NOT REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) REFUNDED XX/XX/XXXX - XXXX ( Order XXXX ) Again, all 3 of these laptops were returned but I was only refunded for two.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: UT
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:
Chase is reporting an erroneous debt on my credit file that I do not owe. I recently checked my credit and noticed this debt reporting on there, I immediately called and settled this account. I never received any calls, notices or correspondance about this debt and only recently found out. This is affecting me negatively and I ask that Chase Bank please remove this account from my credit file completely. The debt has been settled, and I do not owe this debt.

Company response to consumer: Closed with explanation