BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
- On XX/XX/22 I placed a fraud alert on my account through Experian.com - I was told ( by IdentityTheft.gov ) that placing a fraud alert through one credit agency would automatically place credit alerts with the other two agencies within a few business days - reviewing my credit reports, the other two agencies only placed credit alerts in XX/XX/22 - attempting to call Experian to address this issue, they have a phone tree that is unhelpful and almost impossible to reach a consumer representative - on reaching representatives, they speak very poor English and have trouble understanding numbers and letters dictated through the phone - In sum, if I can somehow reach Experian to address an issue, their representatives don't speak English proficiently enough to understand what I'm asking to address - of note, I am possibly having these identity fraud issues because Experian leaked my social security number in the first place!!

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 2021-08-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Step 1 : What is this complaint about?

This complaint is about an interest fee charged after I paid my account balance in full.

Step 2 : What type of problem are you having?

The company charged me an interest fee on a zero balance. Then sent me a bill with the interest fee to be paid.

Step 3 : What happened?

I contacted them, and spoke to customer service and to a manager, and they both refused to remove the interest fee charge, and told me that I paid the bill off too early, and the fee still applies, so next time pay the bill on the billing date.

Step 4 : What company is this complaint about? 
Victoria Secret Store card.

Step 5 : Who are you submitting this complaint for?

Myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding, I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. 

I also filed an Ftc Identity Theft Report To Have To Them Blocked & Removed. 

This report has been sent to TransUnion over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of TransUnion accepted my dispute package and signed on XXXX The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've sent certified letters to the try and resolve and verify this debt. they responded to the letter without providing all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter sent XX/XX/2022 Tracking # XXXX Amount {$490.00} Portfolio Recovery Associates , LLC. They fell to provide any or all signed contracts between all parties. Also, my information was shared without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore 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 2022-02-27
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a refinance loan with NewRez on XX/XX/2022 via their closing agent XXXX XXXX XXXX XXXX, XXXX. Subsequent to closing I've received 3 notifications from NewRez advising that my loan funded and providing me with a mortgage payment coupon. 
On XX/XX/2022 I followed up with XXXX XXXX XXXX XXXX, XXXX to obtain a copy of the signed closing documents, confirm that my existing mortgage had been paid off and to see when I could expect the monies to be paid to me from the closing. I was advised that the refinance loan did not fund and would not fund until I signed a Power of Attorney. In the 13 days that passed between the day of my closing and the day I made a follow up call to XXXX XXXX, I never received notice from XXXX XXXX advising me of a problem with the refinance or the need for me to sign additional documentation. 
With regard to the Power of Attorney, I called XXXX XXXX XXXX XXXX, XXXX on the day of closing and advised them that I was not comfortable signing a Power of Attorney giving anyone but me the ability to make changes to the closing documents. I was advised by XXXX, the closing mananger of XXXX XXXX, that I did not have to sign a document if I was not comfortable signing it. I asked if the loan would still fund if I didn't sign the document and she advised that the loan would fund but if a document needed to be corrected it would take a little longer because the document would need to be sent to me for correction. Based on XXXX 's representation I continued with the refinance closing. 
In addition , XXXX XXXX also wanted me to sign a document permitting them to charge me a {$50.00} overnight XXXX  XXXX fee. This fee was never disclosed on the XXXX XXXX XXXX or the Truth-In-Lending or any documentation from the lender, NewRez. It is my understanding that all fees must be indicated on the Settlement Statement. Even those paid outside of closing. For this reason, I did not sign the authorization to deduct the {$50.00} overnight fee. 
I did sign a Compliance Agreement which requires me to cooperate in signing any documents that may need to be corrected post closing. I am comfortable in doing this but I am not comfortable providing a Power of Attorney to allow someone else to make changes to my closing documents. 
I believe XXXX XXXX XXXXXXXX XXXX and NewRez LLC need to be investigated for unethical closing practices and theft if my current mortgage has not been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Partners Financial Services Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I recently sold XXXX gyms. I had a collection company working for me in all fou partners financial a division of XXXX XXXX  We supplied new bank accounts for collected debt to be deposited in. Now Im being told we never gave them that info I believe they have collected money and decided not to pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new citigold checking account around XXXX XXXX of 2016 using a promotion code XXXX upon which I was to receive XXXX XXXX XXXX rewards points upon completing certain requirements. I received confirmation twice that I was successfully enrolled in the promotion and after completing all the requirements I received confirmation from a XXXX XXXX dated XXXX/XXXX/2016 at citibank confirming not only was I enrolled in the promotion but also that I had completed successfully every requirement to obtain the bonus miles. I was told they should post by statement close XXXX/XXXX/2016. When they had not posted by XXXX/XXXX/2016 I emailed customer service following up on the matter and to my dismay they contradicted all prior information stating I was not eligible for this promotion ( even though they gladly accepted my money and confirmed that I was enrolled in the promotion and had completed all requirements ). This is unfair practice and I would like the bonus miles that I was confirmed I qualified for, especially considering the fact that they have now taken {$90.00} in monthly service fees out of my account. Please help me get Citibank to stand up and honor their word. They should be required to honor all promotions that they allow consumers to sign up for and participate in.

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 2020-03-04
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is my mortgage company and in XXXX I received a letter advising that they needed an updated HOA insurance policy from my Condo Association Board. I contacted the Assoication and that same day ( XX/XX/2020 ) they faxed the HOA insurance page to Shellpoint and emailed me a copy of the successful fax cover sheet. On XXXX XXXX I received a letter from Shellpoint advising me they did not received the HOA info. I called Shellpoint and spoke to a representative who advised me they did not receive the fax and to resubmit which I did via email. The end of XXXX I received another letter from Shellpoint stating they still did not receive the document. I called again and was advised to upload the docment directly into the Insurance dept. website, which I did. Today I received a letter from Shellpoint advising that effective immediately I was being charged {$1400.00} for the month of XXXX for lack of insurance coverage! I went onto the Shellpoint site to stop my auto payments until this is resolved & Shellpoint would not allow me to remove my bank information! I called Shellpoint Insur. Dept. and was asked to leave my phone number and  they would return my call, I never received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Marcus by Goldman arbitrarily and capriciously will not allow me to unlock a card I had temporarily locked nor will they allow me to request a new card. Whether this is due to gross incompetence by their technology department or because this is intentional is unknown. I am stranded, however, because of Marcuss misconduct here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: MNE Services, Inc
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Different companies who say they represent the payday loan companies keep contacting me about a payday loan I paid off several times in the past 7 years. I have documentation that I paid this loan on several occasions. The companies have threatened to serve me papers on my job and that they are going to take me to court in XXXX XXXX. They never contact me through the mail, only by phone. I have faxed the pay information several times to different companies and they said that the loan was satisfied, however, other companies keep contacting me.The companies are contacting my relatives and my husband 's relatives and asking them do they know me and saying that I owe money. They have my social security number and license number. I have been ripped off many times which is unjust, unrighteous, and embarassing. I have taken out several payday loans from companies such as XXXX XXXX, Advantage Cash Services, ect. and have paid them off. I have included the paid in full letters from them. These companies did not allow you to take out a loan if you did n't pay the previous loan. I have not taken out a payday loan since I retired in 2010. I would like to recover the monies I paid out several times and want these scam artist to stop contacting me and my relatives. I would like the public to be aware of these phony companies and not get ripped off like I did.These con people ( men and women ) are so good at their game, they had me convinced that I did n't pay my debt over and over. I hope you find out who they are and bring them to justice. The most recent call was from a lady who said her name was XXXX XXXX from XXXX ( I 'm not sure of the spelling ) phone no. XXXX. File reference # XXXX. When I called this lady she told me that I walked into a place and got a pay day loan. I asked her what place, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been living in XXXX  for 4 years now and on XX/XX/2020 a collection was placed on my credit reports for a debt the debt collection that was opened XX/XX/2020. I have NO KNOWLEDGE of this debt nor was I given the due process/right to dispute this debt I know NOTHING about. Like I said I have been in XXXX for 4 years and this is a debt from XXXX. I have no information on what information that clearly MATCH mines, make this my bill, or when this bill/medical visit was made because the information clearly states 2020 and I have NOT had any doctor visits in XXXX. I have absolutely NOTHING. They failed to send anything to me so I could have disputed this debt in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/ Madam, I had a loan with SunTrust Bank . 
My loan number was XXXX. The bank used to collect and pay on behalf of me Hazard Insurance and Property taxes. 
I sold my house on XX/XX/XXXX. and supposed to get remaining balance of unused amount of the Hazard Insurance.

I spoked numerous times with SunTrust bank XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX without result. 
I spoked with Mrs. XXXX, XXXX XXXX, XXXX XXXX, all those personnel, refusing to send my money back. 
The bank is still holds my refund of {$100000.00}. 
I need help! 
My name is XXXX XXXX email : 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 2020-07-23
Company: EQUIFAX, INC.
State: CA
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:
I filed a dispute with Equifax onXX/XX/XXXX and failed to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Senex Services Corp.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested from the company a signature bearing document proving that I owe a debt to Senex. Instead I received a copy of sensitive and private medical information of which I have not released the rights to Senex to possess. The company did not prove by providing a copy of my medical records that I owe a debt to Senex. Also the company is in direct violation of my HIPAA rights and can be sued in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with XXXX and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for Experian than from XXXX and then compared the two report and noticed my opened XXXX credit card account was no longer reporting to my Experian credit report. It continues to report to XXXX and XXXX. I called XXXX several times regarding this issue in XXXX and was told to that they are reporting the card to Experian and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called Experian and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to XXXX they direct me to contact Experian and when I speak to Experian they direct me to speak with XXXX. I have paid my bill on time since have the account for two years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.

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 2022-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
CFPB COMPLAINT # XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In reviewing my consumer credit report with Equifax. It was discovered that an alleged bankruptcy is reporting contestable in accordance with FCRA Metro 2 Format XXXXXXXX This record is being reporting without known " Status '' which violates FCRA regulations. Per XXXX XXXX XXXX   " Any deviation from these standards jeopardizes the integrity of the data ''. I am demanding the removal of this record for this reason. This complaint is not a request for " Verification ''. I have attempted to dispute this unverifiable record several times and Equifax has refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: OneMain Finance Corporation
State: GA
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:
One main is reporting a in accurate inquiry on my credit report and i have no idea of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Looking over my Best Buy credit card I noticed a fee for Debt Protection and they charged me just over {$23.00} for it. Wondered if it was a one time fee and it has been coming out every month for years. around XXXX if the amount stayed the same. I called and cancelled this but I have never nor would I ever sign up for this. I am an insurance agent and I understand the cost of insurance and this is very expensive stuff. They ca n't seem to supply me with my signature or authorization to start this. They just added it without my knowledge. Operator said it had been since 2011. Now I understand that I should look more closely at the statement but I figured the interest was just high and make online payments every month. If I had ever seen it I would have cancelled it. I never take free XXXX things because it is too hard to remember to take them off. 

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 monetary relief
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MI
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:
XXXX is in violation of the FCRA for reporting inaccurate information regarding I, the consumer. XXXX does not have my consent to furnish this information regarding a charged off XXXX  XXXX account. The Fair Credit Reporting Act states all information should be accurate. This charged off account has caused me great hardship. I have sent in a complaint about this account and the only thing Ive received are deleted inquiries.

Company response to consumer: Closed with explanation