BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Other problem

Complaint:
on XX/XX/XXXX i got a secured credit card from bank of america. I was required to put down a {$500.00} deposit to open the account. About 3 or 4 months ago I applied for graduation to unsecured credit and a return of my deposit. The banker told me that not only were they not required by law to give me my money back, but also I would only get {$250.00} back and not the original {$500.00}. I was declined for the graduation and today XX/XX/XXXX ( call started at XXXX EST ) I was told by a customer service rep that I was " pre approved '' for graduation and that I would definitely get my deposit back. Then she said it was only going to be {$99.00}. Something crooked is going on and Bank of America should not be allowed to just keep peoples money like 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 non-monetary relief
Consumer complaint received 2018-01-20
Company: Experian Information Solutions Inc.
State: WI
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:
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone 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 2021-04-22
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a vehicle from " XXXX XXXX XXXX XXXX '' in XXXX, Florida. The salesman lied and sold me the vehicle, and the only paperwork I signed was with the understanding that I was purchasing this vehicle for a total amount of XXXX. I then receive information from Credit Acceptance stating I owed XXXX. I have never signed or agreed to such a ridiculous amount for a 2014 XXXX XXXX ( former police vehicle stripped I might add ) close to 10 was pushing it. When I contacted the dealer, he stated not a big deal to call the credit company and refinance. I never agreed to this amount. He was very rude then, and no longer wanted to speak of it. My mother called him as well she was also met with very nasty, rude and unprofessional behavior. We then tried to explain the situation to Credit Acceptance, sent the forms we have showing the significant difference in price, and they just referred us back to the dealer stating they could send the forms, but had nothing further to do with the situation. I am not sure what transpired, but I do know that I did not electronically sign my name to XXXX. The total never came up and was never discussed. I would have never agreed to this amount. I no longer want this vehicle and know that I was scammed during the pandemic with the knowledge that resources were very limited.

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 2021-12-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my checking acct was charged {$6.00} and XXXX for XXXX XXXX  samples and capsules  with " free shipping '' by XXXX. I called up merchant at XXXX for XX/XX/XXXX unauthorized charges of {$99.00} and XXXX for a " subscription '' i never ordered nor received which they confirmed by XX/XX/XXXX emails to me with cancellation XXXX and XXXX saying " ... subscription status ... updated and any ongoing or all future charges have been cancelled... ''. I faxed, mailed back Citibank dispute forms from XXXX, emailed XXXX and forwarded merchants ' cancellation emails from XXXX and calling up merchant several times at XXXX. On XXXX Citibank charges me {$34.00} for overdraft from their inaction on my disputes and XXXX emails me that no refund comes from them as i've disputed unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Bridgecrest Acceptance Corporation
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 have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. Bridgecrest is the account Im referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I never received ONE bill for the Walmart credit card so how can I pay it if I dont have the information?

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 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Currently a discharged bankruptcy is being reported by XXXX and Transunion after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX 2011.

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 2018-01-20
Company: Diversified Consultants, Inc.
State: FL
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:
They have tried to report to the credit bureau several times, damaging my credit when that account is not legitimate to collect. 

This is hurting my credit and score I am trying to raise my score for the purchase of a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: Bread Financial Holdings, Inc.
State: PA
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:
XXXX XXXX credit card was attempted to be paid in full ( {$44.00} ). Check # XXXX was sent on XX/XX/XXXX ( due on XX/XX/XXXX ). Payment was not entered until XXXX at that time we were charged a late fee on {$17.00}. We called on XX/XX/XXXX to dispute the fee. Cardholder informed employee that he will either take care of the entire fee or we will cancel the card. Employee informed that he took care of the fee. 
On XX/XX/XXXX, spouse of cardholder, attempted to make a purchase and was told that the account was closed. Consequently, we received yet another late payment. We called an were told there is nothing that we could do because the account was closed. 
We were told all calls are recorded. We requested that they review the call as the situation was not handled properly. 
As a result, the account was closed without our consent and we were told there is nothing that they can do about the additional charges because the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This all started about XXXX 2017 ... .I reported my incident to the NJ Banking and Insurance Commission , who refered it to Offiice of the Comptroller of Currency who in turn referrred me to your agency .... 

Yup ... .I have been getting the run around. 

However this is what occurred .... 
I contacted XXXX XXXX XXXX XXXX and spoke with their card representatives on 2 occasions and advised them that that I was trying to increase my credit standing with XXXX XXXX who was represeenting XXXX XXXX on a promotional credit card purchase with XXXX XXXX in XXXX XXXX NJ. 
At the same time I also advised the representative that we were going to decrease my balance at XXXX XXXX ... so that it would not illustrate a high balance on XXXX XXXX card which is also with XXXX XXXX XXXX XXXX. 

On both occasions I was advised by XXXX XXXX representatives that if I decreased or closed XXXX XXXX account which I did not need any more and wanted to increase XXXX, if would be possible. I called on XX/XX/2017 to establish the new credit rating for XXXX-XXXX  XXXX XXXX as I only needed {$700.00} more added to my existing {$3500.00} to make the carpet purchase ; speaking with the representative, I was denied ... I dont understand if two representative tell me that it can be done and then I implemented what they told me to do, then why was I denied ... 

I closed out {$2000.00} of credit on XXXX XXXX synchrony accont and wanted to increase XXXX by {$700.00} and was denied with the same banking institution XXXX XXXX?. I provided my salary of {$180000.00} also. Please help as this is NOT fair ... You can ; t tell the consumer one thing and then turn around and hurt them when you comply with their instructions ... 
It 's very simple I want or need or was advised that I could increase my credit on the XXXX-XXXX credit card at XXXX XXXX by {$700.00} if I closed or dropped the {$2000.00} credit line at XXXX  XXXX ... 
It all makes sense but the Bank DENIED it after the representaievs at the bank advised it could be done? DAH

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 2018-01-20
Company: Ditech Financial LLC
State: WI
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:
Ditech Financial LLC is still showing my XXXX mortgage loan as a charge off on the credit bureau. This account was started with XXXX XXXX XXXX and was transferred over to Ditech Financial LLC. Ditech is showing this was last reported in XXXX, however this account was paid in full in XXXX when my house was sold. There was a full payoff at that time and nothing was charged off. 
Ditech has been near impossible to contact and get any information from. There are well over XXXX attempts at resolving this with them with no contact back. When I did talk to someone, they just keep transferring you elsewhere ... horrible customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.

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 2018-01-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Consumer Adjustment Company Incorporated
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was subject to identity theft fraud. This account is fraud. I have never had an account with XXXX XXXX XXXX XXXX. Please remove this collection item dated XX/XX/2021 from my XXXX Credit Report. Please remove this from my report within the timeframe of XXXX  days in accordance with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 had a XXXX card in XX/XX/2013, the last activity was XX/XX/2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.

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 2018-01-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong I have circled the XXXX XXXX XXXX XXXX Account # XXXX high balance missing, This listing is incomplete, please delete the entire item. 
I am writing to dispute the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
I am also disputing the following account : XXXX/XXXX Account # XXXX. This listing is missing the hgh balance. Please delete the item. 
You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, You are reporting a late pay on the following account : XXXX/XXXX Account # XXXX this acount is reporting 120 days late for 6 months in a row this is mathematically impossible, I have circled the high balance missing in XXXX/XXXX XXXX XXXX Account # XXXX, This listing is incomplete, please delete the entire item.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 victim of identity theft and there are items on my account that do not belong to me.

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 2019-07-17
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 had a XXXX  card in 2013, the last activity was XXXX of 2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the XXXX  years so the account should be removed. There is also a collection account with Midland Funding for this same account and I requested it be removed because of age of last activity is more than XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
In XX/XX/2020, I disputed some inaccurate late payments with FedLoan through XXXX, XXXX and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted FedLoan directly and asked them to remove the remarks since the dispute has been resolved. FedLoan responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the XXXX credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
the account is locked because I can not remember a phone number I had 3 years ago. I have tried MANY times to email them and they do NOT respond ( A common problem with them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Public record information inaccurate

Complaint:
the XXXX XXXX XXXX is not looking into investigating I need to know where the information is coming I need to see proof. which they are not providing I will like to get it remove off my report

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 2019-02-06
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I was contacted by SCA Collections ( letter dated XX/XX/XXXX ) on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX  had never sent me notice of this debt they sent it directly to SCA Collections. SCA Collections contacted me about the debt in which I responded to them within 30 days ( XX/XX/XXXX certified letter ) telling them to cease and desist contact with me because I preferred to deal with the original debtor. The reason why I told them this is because I never received anything from the company that they were referencing prior to receiving notice from them. SCA 's representative signed for the certified letter XX/XX/XXXX. They made no further contact with me but XX/XX/XXXX they added this information to all the Credit Bureaus against me. I requested for this information to be removed from all agencies due to Federal Consumer Laws and they haven't done so. All of my supporting documents to include the signed certified notice have been uploaded.

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 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.

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