BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2011 the XXXX XXXX XXXX XXXX of XXXX, WI on behalf of Midland Funding LLC, with debt that was bought from XXXX XXXX. Had a judgement place on me for the amount of {$4800.00}. 
My credit amount was {$500.00} and by the time of the judgement it was {$4800.00}. I just received a letter state that I now owe {$7600.00}. I my understanding that XXXX and Midland have had complaint and action take against them in last year about how they handle debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Rocket Mortgage, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told on the phone that only if I proceeded with the mortgage application to the next step my credit card will be charged. I informed the agent ( XXXX XXXX ) that I did not want to proceed with the mortgage application on XX/XX/XXXX. I was confirmed on the phone multiple times that they will not charge my card until I asked them to move forward. On XX/XX/XXXX, after a week I see a charge for {$31.00} on my XXXX  from Quicken loans! For an application, I did not proceed with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.

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 2020-11-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2021 I was attempting to view my Trans union credit score on their own website. I went to transunion.com and clicked " view my credit score '' in the top right. I was then prompted to enter some personal information ( name, birth date, last four of social ) and credit card information. Proceeding forwards, they asked me to create a username and password before seeing my credit report. I then saw that they had charged me XXXX for a " credit protection service. '' I immediately cancelled this service, and investigated why I had been charged. 

When you click " view my credit score '' in the top right of the transunion homepage, they automatically add credit protection as a XXXX charge ( and do not let you remove this product during the process of creating an account ). This is incredibly misleading, since you did not ever ask for this product, nor is it clear that you will be charged, the banner saying that the product was selected is on the side of the screen similar to a banner add. Upon completing your account, you are charged for the product and never given a conformation you are being charged. 

Transunion has been fined by the CFPB in the past ( ironically ) for similar business practices.

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 2016-05-25
Company: United PanAm Financial Corp.
State: MN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I previously had a vehicle loan with United Auto Credit. I had fallen behind and had my car repossessed. I understand that, and am not disputing that. What I am upset about is the way they are going about trying to get the money that is still owed, according to them. I am now getting emails, with no indication of the mini-miranda, not even verifying that it is me and saying amounts I owe. Very unprofessional and honestly I 'm glad I still have that email. If not, who knows who that info could have gone to.

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 2020-03-17
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount Recovery Systems has added {$3800.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until this was added to my credit report. XXXX   will not help in removing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XX/XX/2017 a woman stating to be with the county of XXXX ( but when asked would not give her name or department ) called my mother on her personal cell phone looking for me, she stated that she had a process server within 30 minutes of my mothers address and that if I wasn't there they would sue my mother. After my mother was hung up on they called her back 5 times, she picked up the phone to tell them they had the wrong number and a gentleman this time said " We know who you are ( my name ) '' when she told them her name his response was " sure you are, we will be there in five minutes you better have photo id ''. 

My mother is XXXX and is in no way financially responsible for any debt I have incurred. I have spoken with this company many times and disputed the debt as I have proof it was paid off. Now they are harassing my mother illegally and causing her and I both undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To Whom it May Concern : On XX/XX/2022 ; I submitted a request for a balance transfer to pay off most of my Comenity BankXXXX XXXX Credit Card account to a new credit card account at my personal bank. 

On XX/XX/2022 ; at XXXXXXXX XXXX  I received a phone call from XXXX at the Comenity BankXXXX XXXX Card call center . She was attempting to collect a payment that I had missed on my account. I explained to her that I submitted a request to pay my balance off on the 1st. She interrupted me and stated they DO NOT TAKE credit card payments. And, went on to say that I needed to make payment arrangements or my account would go into collections. 

I agreed to automatic monthly payments for the next 6 months, under the assumption that my balance transfer was denied by ComenityXXXX XXXX XXXX 

On XX/XX/2022 ; my bank paid {$1600.00} towards my balance with ComenityXXXX XXXX XXXX XXXX In addition, Comenity took {$250.00} out of my bank account in XXXX and another {$160.00} in XXXX. When I called them to talk about this issue, they hung up on me. 

My complaint is in the fact that they lied to me about not accepting credit card payments and double/ triple dipped into my account. I am livid and want someone to be held accountable for this misappropriation of my money. 

Please advise my rights and what options I have. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Wells Fargo makes it complicated and inconvenient to defer student loans with forbearance if you go back to school. You have to call them for everything unlike federal loans where you can do it online to " maintain '' or " manage '' your account. Unlike federal loans, Wells Fargo is a tedious process which requires signatures from school officials, and such forbearance form does not even guarantee forbearance because you have to continue making payments until the forbearance is approved. In order to get a forbearance because I am going back to school, I have to print the form ( cost time and money ), then fill out the form and get the signature from the school ( cost time and money ), and then mail or fax it back ( cost time and money ) and continue payments until approval ( cost time and money ). This is how they are also maximizing fees and payments if borrowers do not make payments because they are in school waiting for an approval, and are not able to work full, part, or on a contractual time. Wells Fargo has not improved in servicing borrowers so that student loan borrowers can manage or maintain their accounts.

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 2021-01-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently reviewed a copy of my credit report. I ( Consumer, XXXX XXXX ) notice that there are several inaccuraries on my report that I didn't authorize =. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is ruining your reputation and its defamation of character. '' I have attached my FTC report, License, and SSC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment though BillPay on XX/XX/2020 of {$300.00} to this card that is or was my account Issued by by Citi Bank, N.A. 
I contacted them on XXXX 2020 they could not find my account with the last 4 digits of account, Name, social security #, tellphone, address. At first I thought it was because I have not used the card in many years. 
Then I called the next week armed with my full account # XX/XX/2020 XXXX toXXXX XXXX, XXXX , and XXXX they told my account dose not exist. Therefore there will be no record of me calling and they can not find the money I sent. So they will not be sending any money back to my Bill Pay.

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 2020-03-16
Company: EQUIFAX, INC.
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 applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: SYNCHRONY FINANCIAL
State: NH
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:
I pre-paid for services with XXXX XXXX a.k.a. XXXX XXXX XXXX on XX/XX/XXXX. I made 2 appointments with the office of which XXXX was a no show for both. I called, emailed and texted her multiple times with no response. Her office stopped offering that service due to COVID and refused to refund me. After multiple attempts to resolve I submitted an electronic dispute with Care Credit/Synchrony Bank on XX/XX/XXXX. I chatted with multiple reps each week asking for an update and every 60 days my dispute was resubmitted with no letter sent to myself. On XX/XX/XXXX I chatted with a Care Credit rep who said a manager would review with the dispute department and within 48 hours the balance would be adjusted. When I went into chat on XX/XX/XXXX I was told the dispute was cancelled and I needed to resubmit. I am looking for the balance to be adjusted to by {$1000.00} on tracation reference # 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 monetary relief
Consumer complaint received 2015-09-04
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an airline ticket for XXXX in the amount of {$2100.00}. I was not allowed to board the plane to no fault of my own on the date of the trip. XXXX said I could use the ticket within a year. When I tried to use the ticket in XXXX, XXXX attempted to charge me an additional fee. I asked why this was the case and I was told they needed to research the situation and would get back with me but my seat was reserved and the price would not increase. I was never contacted after many attempts but I was emailed documentation showing I could bid to update this rain-check reservation trip into a business seat. I guessed the issue had been resolved but I had not contacted. When I tried to fly in XXXX I was again denied travel and I was given a vague response from the carrier as being confirmed but not reserved or vice versa. I had enough and I knew I had 6 months to open a dispute with American Express as I was getting nowhere with XXXX. I explained the situation in full to american express with documentation and I also explained that XXXX had been very unprofessional and unresponsive thus far and I would be surprised if American express would get anywhere as well with them in this matter. XXXX did not respond to AMEX and the credit card company proceeded to decline my dispute on these grounds alone. I immediately re disputed the charges with AMEX since the 6 month dispute window was close to having passed only to have them state that they may not succeed considering 6 months have now passed. My account has now been charged {$2100.00} for a ticket that was never honored to no fault of my own. I have also been told by AMEX to go back and try to talk to XXXX when they have had no success on XXXX separate occasions and I have had no success in doing so for months. I want a full refund. I will not be billed for a trip I did not receive when I have done nothing wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30
Company: McCullough Payne & Haan, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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:
The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to XXXX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Collection : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2021-03-24
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection agency is attempting to sue me and collect on a debt that was a result of fraud. I notified them of this on multiple occasions both in written and in verbal form. 
Additionally, this collection agency is using XXXX tactics such as 1. contacting me during all hours of the day and night.

2. The acts of this collection agency interfered with the quiet enjoyment of my property 3. Not notifying me of this debt in a legal manner.

4. Harassing me at my place of employment sending letters and making phone calls to my job forcing me to get have to leave my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: AES/PHEAA
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 information incorrect

Complaint:
XX/XX/2008 attended XXXX XXXX but is now XXXX XXXX the student loan balance that is being placed on my credit is much higher than anticipated contacted XXXX XXXX  was informed the loans have sold out to various collection agencies have contacted several of these companies and their was no resolution solved these loans are really hurting my credit I cant purchase a home or anything I hope I can get some assistance with this situation

Company response to consumer: Closed with explanation