BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Continental Collection Agency, Ltd.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021 I received a letter from Continental Collection Agency for a {$5500.00} debt for a former apartment I had stayed at. I contacted the agency and was trying to explain to one of the collectors that I was not responsible for this debt and I no longer lived in the apartment when this debt had been sent to them. The man became irate with me and yell at me that I was responsible and they had proof. I asked for proof and it was a piece of paper with my name and my ex with a break down of what was owed and the dates it was accumulated. Once again I repeated I did not live there during this time, I have proof and they still have kept it on my record. I even asked for the signed documents they had and the did not send it. To add my ex was evicted from this apartment before the dates the landlord had stated. I have pulled my mail, witnesses, court documents, and my former lease that proved I did not live there and he was evicted.

For documents I have attached the letter they sent us stating the dates that the debt was accumulated. I have added documents with dates that prove I no longer lived at this address. I can also add court papers about this situation but my name is not on these forms.

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 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
I have reached out the American Express several times attempting to remedy this situation. All times they have failed to comply. 
I applied for XXXX credit cards with American Express in XXXX of XXXX. After crediting them twice, I received nothing. 

Credit pursuant 15 USC 1602- the term credit means the RIGHT granted to a creditor by a debtor to incur debt or to incur debt and defer its payments. 

By American Express denying me of credit cards twice -blaming it on credit bureaus- they are acting as if they are XXXX. Only XXXX can take away my birth rights. I am the original creditor! I credited American Express to EXTEND credit to me. 

If you have an extension cord and plug in something, does the power come from the extension cord or the source the extension cord is plugged into? The answer is the latter. 

I have sent a letter to American Express by certified mail that was delivered XXXX weeks ago. As well as reaching out the representatives from the company expressing the fraud that has taken place. 

American Express has violated title 18 USC section 241- Conspiracy against rights! Title 18 USC section 242 - Deprivation of rights under XXXX of law! Title 42 USC section 1983 - Civil action for deprivation of rights! Title 42 USC 1985 - conspiracy to interfere with civil rights! Title 42 USC 1986 - Action for neglect to prevent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Experian Information Solutions Inc.
State: FL
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:
on the XX/XX/18 i went to XXXX XXXX  to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from XXXX XXXX   saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.

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 2017-06-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On X/X/2017 I went to my online banking thru Wells Fargo Online and went to pay {$1000.00} to my WF Visa account On X/X/2017 I received a statement from Wells Fargo Visa which didnt reflect the {$1000.00} I paid online Of course I called realizing it was to soon for it to appear The lady I spoke to said she never recieved it, so I looked online and saw I accidentally sent it to WellsFargo Banking which was for a loan I had for carpeting, which I have a XXXX balance with So they gave me the number to call to correct the problem I was sent to another country where I had a little difficulty understanding the lady. representative But I did understand her saying that they could n't return the money to me for 10-15 days She transferred me to the States and the man I spoke to a supervisor said the same thing to me, So I asked to speak to a manager. I spoke to a XXXX XXXX Very nice man trying to help me, but he said he could n't get it to me for 5-7 days So the next day I went to my local bank and spoke to my banker XXXX XXXX who also tried to help me, but he was told the same thing, that it will take 10-15 days to return the money they all told me this is their policy, I said your policy is antiquated! if you can take it in a day you should be able to return it to me in a more timely fashion I could understand 2-3 days its the same bank and it was done online with my money So I am upset and think this policy is unfair and I want my money returned to the account it came from

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 2021-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in XX/XX/2020, 5/3rd Bank told me that they would refinance my home at 2.5 % for 15 years. They had me pay a {$390.00} loan application fee and said that we would close by XX/XX/2020. They had me give them tax returns, w-2 's bank statements, and every other document that they could think of which I complied. In XXXX, I started calling to see what was going on with my refinance and the loan person kept saying that they are still busy, but they need more docs. Once again I gave them what they requested and have been doing so for the past 4 months. We are now approaching XXXX, I still do not have a closing date. Today, a different person started asking for more nonsense documents. They also had me deposit a large sum with their bank to qualify for this loan, that money has been sitting idle earning almost nothing for the past 7 months. 

No one should ever be led down this time wasting path, let alone be forced to give so much sensitive data without any accountability from this large bank. Fifth third has a horrible loan system and people that just do not care about their customers!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: BlueChip Financial
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a {$300.00} dollar loan in XX/XX/XXXX. I did not know at the Time that I was going to have to pay back more than {$1000.00} on this loan. I also did not get the information that I would have to pay {$58.00} every 2 weeks until after the loan was processed. I can pay this I never would have done this is I would have known my payments were so much. 
This company also has harrassed me continually with emails phone calls and text messages with offers for more loans. I have asked them several times to stop this yet it continues every single day. They also shared my information with other company 's so I now get there communications every day. This company is very predatory and it did not provide me with full disclosure when I got my loan. They should be penalized for the way they act and for the continuing text, calls and emails I am still getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Collection Management Holdings, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving harassing phone calls and voicemails from strangers from this company that also contain a fraudulent caller ID. Apparently this is a collection company. 

My search revealed this to be the actual company : Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Office : XXXX Toll Free : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan for our XXXX XXXX is a mess. Payment is {$270.00} per month and all payments have been made. Until XX/XX/XXXX which we became late due to my injury. In XXXX I get an email statement for over {$1000.00} ( should be less than {$600.00} ) and these XXXX report to the the credit bureaus I am 75 days late ruining my 730+ FICO score. This is the second time they have tried to accelerate the loan. Looking back on the history payments have been misapplied. I am not the only who has complained about Capital Ones horrible business practices. For being 1 month late they have ruined my credit and charged me the equivalent of 4 months payment ... Yet according to their Website I have never incurred a late fee????. Things are now fine Income wise ( back to work ) as of XX/XX/XXXX. I paid the XXXX payment + 100 extra I plan to pay the XXXX payment by the end of XXXX. By my calculation I should be OVERPAID. Yet according to Capital One I will still be over {$400.00} behind due to their unwarranted escalation From what I have seen in complaints I would say this is standard practice ruining people credit so they cant get a loan to refinance to get away from this XXXX. This way they can keep you on the hook and bleed you dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following fraudulent addresses deleted. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX. My current and only address is please delete all other variations. I am no longer affiliated with the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH   XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE TO GET THIS RESOLVE BEFORE I CLOSE ON MY HOME!!

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 2020-02-09
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a checking account in a Citibank branch in XXXX, Maryland. The banker matched a sign-up bonus of XXXX XXXX XXXX AAdvantage miles for me, given that I maintain a balance of {$15000.00} for at least 60 days. 

I deposited {$15000.00} into this account on XX/XX/2019, and maintained such a balance until XX/XX/2019, for a period of 69 days. 

I never received the miles. I contacted Citibank regarding this matter many times but they never solve this issue. Once they gave me a document ( attached ) confirming that I qualified for the promotion and told me to wait up to 90 days to receive the bonus. But the bonus did not post to my XXXX XXXX account even after 90 days. 

I contacted Citibank many times after XX/XX/2019 ( 90 days after qualifying ). Every representative who answered my call or chatted with me in the online banking system kept telling me to contact the branch. I contacted the banker via email but got no response. I called the branch and someone said my banker will call be back but she never did. I got very disappointed with Citi and closed the account. 

A few days ago I received a XXXX form from Citibank, saying I got {$400.00} dollars in a 'promotion '. Since this account is the only banking account I ever had with Citibank, the amount of {$400.00} must be the value of the XXXX XXXX XXXX AAdvantage miles that I should have received.

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 2020-02-09
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
XX/XX/2016 Fraudulent account established {$500.00} XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a 100 % service connected XXXX veteran who is a victim of credit card fraud and identity theft. In XX/XX/XXXX I was affected by the data breach and consumer services. Also, in XX/XX/XXXX my wallet, credit cards, keys, and cellphone was stolen from my vehicle while traveling out of the country in the XXXX XXXX. However I have repeatedly contacted all three major credit bureaus mainly XXXX   providing a police and incident report. The aftermath has caused my FICO score do decline significantly. The three major credit bureaus are less responsive to solve the issues that has a major impact on my small business and personal 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 2019-05-16
Company: Byrider Franchising, LLC
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:
CNAC - GAXXXX Reported : XX/XX/2019 {$10000.00} There is no contract, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this letter because of erroneous information on my file. I have been trying to fix this dispute, but all to no avail. I demand for comply and conform or I will take a legal action. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and 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 explanation
Consumer complaint received 2020-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I give to bank of america my information i have 2 months i cant acces to my benefits I giving all my information and they dont replaced my 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 2018-01-24
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i had sent out a verification letter to Zales on XXXX/XXXX/XXXX with no letter from them verifying anything that I had sent, since the 30 days has pass for verification they want to sent a letter on XXXX/XXXX/XXXX threatening to sue me for the bill that has not been verified by them. 
I 'm also sending them another letter on today XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation