BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: Bread Financial Holdings, Inc.
State: CA
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 WENT ONTO XXXX XXXX XXXX XXXX LOOKING FOR A ITEM ON XX/XX/XXXX, I PUT A ITEM IN THE CART AND AS I DID AN ADD FLASHED UP ON THE CREEN IN A BOX AND SAID IF I APPLIED AND WAS ACCEPTED I WOULD RECEIVE {$15.00} OFF MY FIRST TOTTAL OF PURSHASE, SO I AAPLIED AND WAS APPROVED. THEN I TRY TO ORDER BUT NEVER RECEIVED A COUPON OR TEMPORARY NUMBER TO SO I COULD PLACE MY ORDER? SO I CALL THE BANK AND WAS TOLD OR WERE SORRY YOU SHOULD HAVE RECEIVED A EMAIL AS SOON AS IT WAS APPROVED? BUT I NEVER DID, SO SHE SAID ILL HAVE TO WAIT TILL MY CARD CAME IN THE MAIL, SO 9 DAYS LATER I RECEIVED MY CREDIT CARD, BUT NO COUPON FOR THE XXXX XXXX OFF. SO I CALLED THE BANK AND THEY PASSED THE BUCK TO XXXX XXXX XXXX CUSTOMER SERVICE DEPT, THEN THEY SAID THEY DIDN'T KNOW WHY THE BANK SAID TO CALL THEM THAT THEY DIDN'T HAVE ANYTHING TO DO WITH IT TO CALL THE BANK BACK SO I DID, THEN THE REPRESENTATIVE FROM THE BANK SAID WE DON'T HANDLE THE DISCOUNTS ETC,, SO I GOT XXXX AND ASKED TO SPEAK TO A SUPERVISOR, EXPLAINED TO HER WHAT WAS GOING ON AND SHE AT FIRST SAID THE SAME THING THEY DON'T HANDLE THE DISCOUNT COUPONS OR SPECIALS I SAID THIS IS XXXX AND KINDA LET HER HAVE IT IN A PROFESSIONAL WAY, TOLD THE PRIOR REP THAT I WAS GOING TO MAKE A COMPLAINT WITH YOUR DEBT, FINALLY SHE SAID TO HOLD ON MINUTE SHE WOULD TRY TO SEE WHAT SHE COULD DO, SO SHE GOT BACK ON AND SAID THE WAS A PROMOTION IF YOU AGREED TO A TEXT I WOULD THEN RECEIVE XXXX CREDIT TO MY ACCOUNT I SAID FINE I'LL DO IT, THEN SHE SAID FOR ALL MY HASSLE THAT SHE WOULD AS A COURTESY APPLY THE XXXX TO MY ACCOUNT AND IT WOULD SHOW UP ON MY NEXT STATEMENT. I FEEL THIS WAY OF CONNING PEOPLE BASICALLY DOING A BAIT AND SWITCH TO GET YOU TO SIGN UP FOR CARD IS UNETHICAL AND UNPROFESSIONAL .AND SHOULD BE ILLEGAL.AND THEY SHOULD GET IN TROUBLE FOR THESE PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: AL
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:
My concerns with XXXX XXXX and their unfair credit reporting processes. 

I paid my account within 30 days ( XX/XX/XXXX ) and was reported late. 

Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. 
Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. 

My payment was reported late for 9 consecutive months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Student loan payments were made to XXXX XXXX since 2009. Every year I tried to reach out to them by mail asking for a receipt, there was no phone number to be found. I still made monthly payments while sending them a mailed request for receipts. Until a few years ago, my checks came back. I researched the law firm taking my payments, XXXX, XXXX XXXX XXXX XXXX, and found an attorney there who told me the PO BOX address had changed. At first he could not even find my account. I resent my payment, and also asked for reconciliation of the balance since I finally found someone to talk to. They could not find several of my payments I had made. I documented the check number of most of my payments, and also had some copies of old bank statements. They would not accept the bank statement as proof, as my bank only sent me the front of the check copy, not the back. I informed them I needed to stop my payments until they could reconcile the payments I made and agree to send me a receipt. They would not. Now the loan has been kicked back to XXXX XXXX XXXX for the full amount. I had already paid XXXX total. When I asked my bank to furbish the bank statements to prove I had made those payments, they stated after 10 years, all bank statements are deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: HYUNDAI CAPITAL AMERICA
State: NM
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:
1. I went to the XXXX XXXX XXXX XXXX dealership ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ) to look at the new models on XX/XX/XXXX. 
2. A sales agent talked to me ( XXXX XXXX ) and requested basic information about name, phone, etc. 
3. On FOUR occasions during our talk I stated emphatically that I did not want a " hard pull '' or any attempt to obtain my credit report, as this would impact my credit rating and Fico score.

4. She agreed each time and directly told me she would not take a credit report or a hard pull that affects credit.

5. Nonetheless, she gathered enough information so that she indeed DID, deceitfully, obtain my credit report.

6. She further shielded this by NOT giving me any credit numbers, but saying I was " approved. '' 7. On returning home, I did of course discover on my various credit-following apps that there had been a credit reported pulled, AND that my credit score diminished.

8. On phoning her back the next day, she again DENIED that she had done it, or that my credit rating was affected in any way!

9. I was told that the sales manager ( XXXX XXXX XXXX XXXX XXXX ) would " get back to me. '' No one has since that day. 
10. I contacted the owner/president of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and described the situation. I have not had any response. 
I am in the process of trying to have the consequences of this illegal and deceptive action reversed at the credit bureau, but there is no resolution at this point.

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 2018-03-29
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a XXXX  credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX  continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX  is being exploited to extract erroneous fees from this customer. Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
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:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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 2019-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I made a payment to Bank of America on XX/XX/XXXX of {$250.00}. My account was closed on XX/XX/2019 and the balance at that time was {$17000.00}. 

When I closed the account due to unfair and deceptive practices, the agreed upon APR of 0 % was applied to a balance of {$8800.00} and {$8200.00}. I closed the account in XXXX. The agreed upon APR on the balances was 0 % and the agreed upon minimum payment was {$200.00}. 

Bank of America, changed the agreed upon 0 % APR on XX/XX/XXXX, on both balances to 24.99 % and changed the minimum payment changed to {$550.00}. 

The agreed upon APR when the account was closed back in XXXX was 0 % on all balances with a minimum payment of {$200.00} and I didn't agree to any changes. I made a payment of {$250.00} and Bank of America is reporting to the Bureaus false information about my payment history. 

The current account balance is {$17000.00}.

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 2019-02-27
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:
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2021-01-27
Company: Complete Credit Solutions, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
In early XXXX I submitted a dispute request to XXXX  re : a debt showing on my report. The company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXXXXXX This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX  has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX Group. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor 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 2021-11-01
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX is a loan Company on the XXXX XXXX or New Mexico. I reached out to this company via email and CFPB and advised that this is not by debt and ease do their due diligence and investigate. This account was open on line in my name. This is not my debt along with several other fraudulent accounts. I contacted my local police department and filed idenity report as well im also aware that my information has been found in several data breach and im asking to either validate show proof this is my debt or remove immediately from my credit file. I will notify the FTC to step in if necessary.

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 2021-10-19
Company: Nelnet, Inc.
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from XXXX ( XXXX ) XXXX, associated with the student loan company Nelnet. Company has received numerous reports and complaints. I did not get a voicemail but I have not taken out any loans with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
as of XX/XX/2020 i sent a letter to XXXX, XXXX, and experian about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.

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 2021-01-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Called Citi to dispute 3 unauthorized transactions from a merchant. Citi issues temporary credit and subsequently without any explanation or notice withdrew the credits and denied the dispute

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 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Background : I applied a chase credit card on XX/XX/XXXX and i was approved for it with XXXX credit line. Had a large purchased on middle of XXXX for my husband for his birthday gift, no other action on my new credit card. 

I had total XXXX credit cards after approval with chase and i've been banking with chase since XXXX, I also have checking account with chase ( with enough money to cover my credit line ). Never had any miss payment or any kind of violation since XXXX, but they closed all of my account on XX/XX/XXXX with no reason. Called them ask reason and if its possible to restored and told answer is NO. i'm very very upset because i do love using their credit cards product, in the meantime why they would treat a loyal good customer like this, why they would approved my new credit card and closed everything after only a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Kikoff Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was under the impression that I can use the kickoff card anywhere. But now I see I can only use it at the kickoff store. I do not like what I see. I am requesting my {$5.00} back along with you closing my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
USAA VISA has been witholding the use of my credit card for 7 business days per month, every month. My entire balance was {$1000.00} this month and I paid the entire balance last Thursday it was removed electronically from my bank and I can not have use of this card now until this Friday. I called numerous times in aggravation because there credit card agreement does not state they will be taking an interest free loan from consumers for 9 days out of each month, as they don't count weekends as business days. It also doesn't state that by never making a late payment in 8 years you will only have use of your card for 21 days per month. However, it does state that they will be charging you interest during this non usable time or every month, or every day of every month. So, this is a {$1000.00} credit card visa, my credit score today before writing this is XXXX. As I stated the entire balance was removed from my bank last Thursday.This is what they call there " Platinum '' card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Consumer Adjustment Company Incorporated
State: TX
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:
On or around XX/XX/XXXX I disputed an account on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. As of XX/XX/XXXX the account is noted on my credit report as " consumer disputes this account information '' This does not resolve the matter nor does it comply with my request for validation. Furthermore the items remain on my credit report still reporting negative. Consumer Adjustment has failed to provide me with supporting documentation that this account is legally my responsibly. The account listed shows the original creditor as being " XXXX XXXX XXXX '' with an amount owed of {$650.00} - date opened XXXX I have personally never held an account with this organization. Consumer Adjustment is reporting this account incorrectly.

Company response to consumer: Closed with explanation