BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
In XXXX XXXX I placed an order with XXXX and paid balance in full in XX/XX/XXXX through their online system and the balance showed that it was paid in full. Since then, I placed an order purchasing goods through XXXX in XX/XX/XXXX online and was not told there was a XXXX outstanding finance balance on my account. I was reported to the credit bureau that I was delinquent in XX/XX/XXXX. On XX/XX/XXXX I received a text message to contact Comenity Bank and immediately called them and paid the supposed outstanding balance. This is an error of communication on XXXX and Comenity Bank and should not negatively impact my credit report. In good faith, Comenity should relinquish their negative report which has negatively impacted by credit score. As a result of lack of communication from XXXX and XXXX Bank, I have closed my account through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report states that I lived at an incorrect address. It stated that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address or even lived in this state. I have made a police report and notified the federal trade commission as well as contacting the credit reporting bureau myself yet it is still reflecting on my report. I can provide documentation that proves I was living in XXXX at the time this address was added to my report as well as any account opened with this associated address

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Bridgecrest Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XXXX a payoff check was sent to XXXX/Bridgecrest in the amount of {$67000.00} matching the payoff quote given to me by XXXXBridgecrest on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by XXXXBridgecrest on XXXX as indicated by my online portal at Bridgecrest.com. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by XXXXBridgecrest after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Bridgecrest in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Bridgecrest after the payoff and that was cashed by Bridgecrest. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Bridgecrest. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling Bridgecrest at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full.

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 2020-04-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, Wells Fargo suddenly closed my credit card account without notice and forfeited the rewards associated with the card. 
I feel that Wells Fargo was deceptive in their advertising practices by allowing me to earn reward points, and then closing my account without any notice, thus giving me no opportunity to redeem my points that I have collected over the year. 
There is no other specific information provided. I have reached out to them and they can't provide additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: IL
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:
I filled out an application through XXXX XXXX for XXXX XXXX. Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since the winter of XXXX, I've been trying to re-apply for the " Rate Reduction Program '' that I was on from XXXX. When I initially inquired further about this process, I was told that it was available as an option to me given that it's the only solution that is affordable for me, and keeps my Sallie Mae monthly payments consistent and in good status. 

With that, I chose to put forbearances on my account ( which ended up being another issue they had to fix after I filed a CFPB complaint this summer because they kept telling me I was " approved '' but it wasn't being properly reflected in my account ). 

Now, I am back trying to figure out how to make my monthly payments affordable and the only options offered to me have been interest only payments that very slightly reduce my bill ( from {$520.00} to {$480.00} ) AND keep me in a delinquent status or pay the full monthly fee for three months to show good faith and go from there. 

Neither of these options make sense of me, my credit score, my financials, and Sallie Mae 's ability to get paid. These are not solutions, they are only mere alternatives to keep my interest rates high while Sallie Mae gets a payout. 

I need to get my interest rate and/or monthly payments reduced to be more aligned with what I was paying on their " Rate Reduction Program ''. On XX/XX/XXXX, my account manager and the various reps that I've spoken to have told me that they see that I SHOULD still qualify but for some reason the system is listing me as ineligible. My account manager XXXX XXXX informed me that he had no idea why and there isn't a way for him to see the reason for that. He mentioned that Sallie Mae has undergone significant changes this year so that could be the reason why -- but this is still super unacceptable to me. 

The max monthly payment that I can currently afford is $ XXXX/month. I need actual solutions from Sallie Mae and less of this unclear back and forth that makes me feel as though they are XXXX  with my account in an attempt to keep their business as profitable as it can be. 

This coupled with the miscommunication delivered in regard to my continuous need to apply for a forbearance on my account, has put me in a position where I feel like this company either is failing to implement new protocols and communicate them to consumers OR this is all a part of their plan to increase profits during the hardship that has been the Covid-19 pandemic. All at the expense and via the manipulation of the consumers wellbeing and shady business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had identity theft done to me and itis noted on the website of Experian and I have also taken the time to list it on this complaint. The following items does not belong to me. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXX. 

I also have a plethora of inquiries that are due to come off that doesn't belong to me. Here are the listing : XXXX XXXX - XX/XX/XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX-XX/XX/2019 XXXX XXXX  XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX-XX/XX/19 XXXX XXXX XXXX -XX/XX/19 XXXX XXXX -XX/XX/2019

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 2021-09-29
Company: American Credit Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Excessive interest of 28 %. Contacted company about lowering rate, would not lower rate. 
XX/XX/21 Asked company why I had made 17 payments of {$580.00} totaling {$9900.00} and only {$1200.00} had been applied to principal. Entire payment for 5 months was applied to interest and the XXXX only {$16.00} was applied to principal. Company explanation was this was simple interest and when my payment was made even though they were charging me late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Account opening, closing, or management

Complaint:
Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
THE XX/XX/XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I mailed a letter to Bank of America on XX/XX/XXXX instructing them to close this credit card account. I no longer use this credit card account, and do not leave any unused accounts open, for fear of fraud and misappropriation. Bank of America responded two weeks later, in a letter dated XX/XX/XXXX, that I have to call the Bank to effectuate this account closure. My letter and Bank of America 's response are attached. I always conduct my business in writing so that I have a precise record of communications. I do not have time to listen to recordings, navigate a phone tree, wait on hold, or hear reasons the Bank believes I should keep this account open or exchange it for a different credit card. Bank of America should have closed my account effective XX/XX/XXXX pursuant to my unequivocal written, signed, and mailed instructions, but seems intent on keeping my account open against my wishes. Please compel Bank of America to close my account effective XX/XX/XXXX, and to send me a letter confirming it was closed as of that date. The Bank 's deliberate delay is unacceptable. Thank you for your help.

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 2016-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has a derogatory mark on my credit stating that I owe them money from when I disconnected service from a home in XXXX. When I moved into my new home in XXXX we got service from XXXX. We paid the outstanding balance to get service started. They never updated my credit bureau to show that it was paid. As a matter of fact they state that it was never paid. That is impossible cause their own policy is that they can not start service with customers that owe them money until the outstanding balance is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax 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 remove the following items completely from my Credit Reports : XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: FL
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Roycroft Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I am having problems getting hired and have applied at several companies including XXXX XXXX XXXX Headquarters, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and more and no one will hire me I am XXXX years old and worked full time 32.5 years and was let go XXXX 2014 because of slow productivity. I lived off my retirement and then went on unemployment while I pursued employment. My question is if my credit is affecting my getting work I ca n't live off my XXXX year old father until Social Security and I cant go back on unemployment until XXXX I have a house, dependents and bills how do I pay? 
Please email me if you could let me know XXXXXXXXXXXX Thank you for anything I am desperate Here are a few responses I received You are scheduled to interview with XXXX tomorrow, Thursday, XXXX XXXX at XXXX No Response yet, We have received your application for the position of XXXX XXXX XXXX Sales Team Member-XXXX. Unfortunately, we are unable to consider your application, Thank you for taking the time to speak with XXXX XXXX XXXX regarding the Mail Services opportunity at XXXX. At this time, we are moving forward with other candidates who are more closely aligned with our client 's specifications for this position., We enjoyed meeting you and sharing more information about XXXX XXXX and its businesses. Although your background and qualifications are impressive, we wanted to let you know that XXXX XXXX has selected another candidate whose qualifications and credentials more closely matched, We appreciate you taking the time to submit your qualifications. After carefully considering our finalists, we have selected another candidate. We invite you to visit our website at XXXX for other opportunities. 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