BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: DISCOVER BANK
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt that was from my late husband. The credit card was in his name only. After he passed away, I closed his account. The credit card company started calling asking me, relentlessly, asking when I would be able to pay. I explained that this was my husband 's card only, he's deceased and I do not have any money to pay for a debt that wasn't from me. They refuse to resolve the issue. Instead they sent a letter in my name saying they were giving me a {$100.00} to my account due to an error on their part. They changed names on the account. How is this action legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company has failed to comply with the Gramm-Leach-Bliley Act. As a financial institution collecting nonpublic personal information from their customers, there are certain disclosures i should have been made aware of. It was never CLEAR AND CONSPICUOUS that i had the option to opt-out of sharing my personal information to third parties. You have knowingly and willfully with held information that explained I the consumer can exercise that non disclosure right. You are in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-09-07
Company: CITIBANK, N.A.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.

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 2022-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Contacted XXXX on XX/XX/2022, they put one year fraud alert on my account. 

Contacted Bank of America on XX/XX/2022, they canceled fraudulent credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 I maintain a Citibank - checking, savings and credit card account. The information, address, on my account is wrong. I call Citibank to remedy the incorrect address and all calls are routed to XXXX and the representative consistently speak very poor XXXX. It is difficult to communicate with the service representative. When communicating banking account information and problems with an account, it is difficult to communicate with the Citibank representative and the potential for banking error is high. I have been told that Citibank representative in XXXX are unable to transfer my call to a representative who speaks XXXX sufficiently well to transact or remedy problems. Can you require Citibank to have XXXX speaking representatives answer the call as it is very difficult to interact with non XXXX speakers.

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 2019-08-01
Company: FULTON FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am trying to get an answer to a simple question via Fulton Bank 's online messaging center on their web site. They tell me to call a phone number. This is not the first time that I've requested help via Fulton Bank 's online messaging center on their web site, and they refuse to answer the question. Obviously they don't want to put anything in writing - why? What's the point in having an online messaging center if they refuse to use it?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/ Open XXXX XXXX XXXX Balance Owed : {$13000.00} ChargeOff XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Collection XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Choice Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was enrolled in a XXXX XXXX program with XXXX University now known as XXXX University in XXXX OH. I was enrolled in a class XX/XX/2020 and subsequently dropped it within a timely manner. School officials confirmed tht my class was successful dropped and there was no mention of getting charged anything. It was several months later that I got notification from credit bureau that I had an account that was in collections. I contacted XXXX University and they werent able to resolve my issue. I was not mailed any communication regarding the collection how to appeal. XXXX University fraudulently lures students into enrolling in their programs yet they fail to communicate with the students regarding their financial aid status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away on XX/XX/XXXX, and my brother passed away a month later. We weren't aware that my father was in trouble with the mortgage company until we received a notice of the property going up for sale. My father was a very ill man and wasn't able to communicate very well due to his illness. We contacted the attorney for the bank on XX/XX/XXXX and were advised that they were unable to stop the sale on XX/XX/XXXX of the property as my father was served prior to his death. We also contact the bank and they refused to speak with us as we are not authorized on the account. I tried explaining that my father had passed and would like the opportunity to come to some resolution and they refused to speak with me or my other brother. As I had stated my father was very ill and he did not let anyone know that he was having trouble with the mortgage or that he was aware of the situation occurring. We are asking for more time in the property so we can resolve this issue by either a repayment plan or a short sale. I and my other brother are currently living on the property and I do not want the last thing my father had to be lost to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing Midland Credit Management aka Midland Funding LLC since XX/XX/XXXX/ XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with Midland Funding and Midland Funding has never reached out to me.
Most recently, I check my credit again and Midland Funding has added another unverified debt on my credit file. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, when the second account was placed on my credit file, I never received any documents or notification for validation for that alleged account. Midland Funding has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part. I want both of these erroneous accounts deleted from my credit file immediately and for Midland to do their due diligence prior to ruining unsuspecting consumers ' credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a dispute with Experian in early XXXX in regards to an account reporting on my credit report that does not belong to me. The account is XXXX XXXX, it was deleted and found not to belong to me. On XXXX XXXX, XXXX I find that this account that does not belong to me is place on my credit 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 2022-07-14
Company: Experian Information Solutions Inc.
State: GA
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:
experian dispute XXXX XXXX XXXX filed XX/XX/2022, removed hard inquiry dated XX/XX/2022, showed emailed from XXXX XXXX XXXX XXXX that hard inquiry is to be removed with XXXX contact information to verify, and to remove hard inquiry XX/XX/2022, XXXX told told experian XX/XX/2022 to remove and experian has not removed, XXXX mortgage services told experian XX/XX/XXXX to remove XX/XX/XXXX hard inquiry and experian has not, XXXX companies told them to remove and experian has not, experian had contact information to verify to remove and has not, other XXXX credit companies have removed this inquiry and experian has not, this in itself should be reason to remove, but XXXX other companies told them to remove and myself gave then contact information and email from XXXX XXXX XXXX to remove and experian did not, look up case number experian has proof from me as well, uploaded to them a lot of companies are telling them to remove with documentation, please remove XX/XX/2022 hard inquiry,

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 2022-07-14
Company: Bread Financial Holdings, Inc.
State: UT
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: WELLS FARGO & COMPANY
State: RI
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:
My Wells Fargo Auto loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 two transactions were performed in my PayPal account to a person in the XXXX without my knowledge. Each of the transactions amounted to {$730.00} for a total of {$1400.00}. The transactions were bank transfers and thus did not have credit card protection nor any protection from PayPal. I dont know who this recipient is and Im still uncertain how these transactions were performed. I believe someone may have hacked into the account as they also changed several of the settings in my PayPal account shortly after making these transactions. I have explained to PayPal that the transactions were not made by anyone in our household and they state that the transactions were authorized. 

Im uncertain what the next step should be to make PayPal aware that they have security issues and without question customer financial theft issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC Systems added a collection to my credit report stating I have a XXXX bill, which I never had. The address is a family member but I never authorized a bill at XXXX XXXX XXXX XXXX. I live at a different location with my on bill I wrote the company asking for them to validate. The debt or remove it from my credit report they have done neither. It is crazy to me how they can affect your life and employment with no proof or recourse when they know they are wrong. They do n't even have to respond to your letters. This should be a crime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I 've repeatedly sent Transunion my fraud reports, and asked that they remove the fraudulent accounts and fraudulent credit inquiries. They responded by removing XXXX accounts, and putting the debt into a " dispute '' status. They are reporting a tax lien that is NOT mine. I 've attempted to verify with the courts and they have no record of the tax lien. I 'll attach screen shots or the courts website with the case number, as well as a detailed list of the Inquiries that I did not authorize. When I spoke with a rep in XXXX today he informed me that they verify it electronically through the courts website. Clearly, it 's not in there, I 've spoken with the courts representatives on numerous occasions and they ca n't find anything either.

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 2022-02-15
Company: EQUIFAX, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
my name is XXXX XXXX, I previously started this complaint earlier today with XXXX XXXX Employee XXXX ), but he hung up on me before the complaint process could be completed.

Company response to consumer: Closed with explanation