BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: ENOVA INTERNATIONAL, INC.
State: WI
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/2021 I received an email from Net Credit informing me of a denial of credit for which I did not apply for. I have not, nor have I ever, applied for credit from this company, yet they have pulled my credit report with a hard inquiry without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter from AMEX regarding my XXXX AMEX card. It informed me that my interest rate had been increased to 27.24 % due to a penalty. Upon calling them I was told my last months payment was received on XXXX/XXXX/15, 3 days late. I got a copy of my cancelled check showing, on the back, that it was deposited into the AMEX bank account on XXXX/XXXX/15. I had to spend several minutes on the phone trying to convince them that they were in error. 
They finally said they would return the rate back down and remove the late fee of {$38.00}. I could not however, get verification of this nor was there an avenue for me to send a copy of the cancelled check. 
Im complaining on this forum because of their lack of proper accounting and, in my opinion, attempting to make money by lying to people regarding the timeliness of their credit card payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 2016-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I disputed inaccurate information with credit bureaus and creditor and they still report inaccurate and false information on my credit report. I had an auto loan with Capitol One several years ago. the truck was totaled out while I was in bankruptcy and the truck was paid off in wage earner program through bankruptcy. Creditor continue to re age and report inaccurate information on my credit report even through dispute. The XXXX bureaus have different dates, balances, and dates of first delinquiences. XXXX reports that ive made payments I never made. XXXX has XXXX different charge off dates. XXXX says that my balance was paid off from my wage earner account on bankruptcy. This inaccurate information and re aging of my date are illegal by my understanding. Ive disputed sevral times with credit bureas and this is the next step I understand a consumer should take with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Seattle Service Bureau, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt that I did not know about until I heard from the collection agency from a leftover ambulance payment when my XXXX XXXX XXXX XXXX. I paid the max deductible from my insurance company so I should not have had any lingering medical bills to pay for in the first place. The day I heard about this debt I called the agency to pay my debt. I specifically requested on the date of the call that if I could pay off the entire debt that it would be completely removed from my credit history. The original person from national service put me on hold to check with XXXX the manager to assure that the negative report to my credit would be removed. The company told me if I paid in full that it would be taken care of and have no penalty on my credit report ( XX/XX/XXXX ). I called the company back asking for them to give me a letter on their letterhead that my debt should be removed so I can work this with the bureaus and clean this up myself as they never did. They agreed on XX/XX/XXXX to give me this letter and they have not given me this letter back. This has caused my credit score to drop 120 points. Please request a copy of my recorded call from XX/XX/XXXX as proof of this interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIBANK, N.A.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.

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 2022-04-13
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at XXXX I was notified by email that my homeowners insurance policy cancelled out due to non payment. When I purchased my home with another lender, they had me setup an escrow account for it to be paid out of. The loan was sold from that lender to my current one. Well my policy was due for renewal on XX/XX/XXXX, however due to an unknown data error on my current lenders side, my homeowners insurance was not paid and it was cancelled out. Once I was notified of this, unfortunately it was too late to take any action and therefore I lost all coverages with my old insurance company, and I had to bind in an emergency with another insurance with far less coverage for almost the same price. I sent in a notice of error to my lender on XX/XX/XXXX and I just received a response letter stating that yes there was a data error on their end, however they could not get my old insurance coverages back - unknown reason why. I called and they told me that its because I currently have insurance. I advised that due to their error I had to bind with someone before I defaulted on my home loan. They did some " further investigation '' and called me back and advised me that I should call my old insurance back, get a quote, and they will see what they can do if anything. I called my old insurance and well they can not do business with me as I have to go thru with my insurance agent. I am being given the run around and now I will be seeking legal advice on this matter as I know my rights as a consumer. If the lender defaults on their end they are supposed to be subjected to fixing the error at no cost to me. This is not the case for me and therefore will be further legal advice due to them not taking responsibility for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi bank closed my account which was in good standing without warning. When I called them to ask why my account was closed without notice they advised me it was due to non-usage. The account has a XXXX balance and is in good standing. This dropped my credit score. This caused me harm and I work hard to keep my credit in good standing.

I was planning to use the card to travel but due to covid 19, I haven't had the opportunity yet. This seems like unfair business practices. Please advise me on what to do. I called Citi bank and they refused to re-open my account. They told me I could re-apply for the card I had but refused to remove the inquiry that comes along with applying for credit. This seems very unfair. Thank you for your time.

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 2015-10-15
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
A private student loan company has put my loan in default on XXXX XXXX, however I tried logging in prior to that to make some payments and was unable to login, as they stated my loan was moved to another company. I can not pay now, since it 's in default, however I was not able to pay either the week prior to them claiming it was going into default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft I have multiple inquiries that total up to 8 inquiries on my report that are hurting my score and putting my chances down to fund myself to expand my XXXX  for me and my family. These inquiries are fraud and I feel unprotected as a consumer. My information was leaked in a data breach which has made my personal information very vulnerable. Multiple inquiries from XXXX to XXXX are fraud. Please protect me from these criminals that try to violate the system and take what isn't theres. I did some research and I see that according to the FCRA all fraud inquiries that are reported must be blocked and remove with 4 days. These inquires have to be resolved. Im attaching the FTC report with the dates and times to specify what needs to be removed. These accounts are fraud. I will also be providing proof of my government registered id registered to PA which is my license and a proof of address. 

Protect your consumers God Bless

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 2016-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Using the XXXX credit reporting agencies, I have opted out of credit card offers that are sent through the mail. Despite me opting out, CapitalOne keeps mailing me credit card offers. These offers do not include any instructions or other relevant information for me to opt out of their nonsense. I opted out in the first place due to fears of someone fraudulently opening a credit card with my identity. This concern is especially real, as I was apart of the XXXX XXXX and XXXX fiascos a few years back. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Balance transfer fee

Complaint:
I am trying to get the document stating when my current promotional apr ends. I have called Capital One several times and each time I get a different answer. I believe they are giving me this bad information so when the APR changes I will be stuck with a higher APR charge where presently I have a XXXX % interest charge. I have asked them to send me the information but they claim they cant do that. Unfortunately I lost the original terms of agreement. They have given me verbally XXXX different dates of the rate change. 
My other credit card company XXXX provides this information monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Ballybunion Enterprises, Inc
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
They call us and harass us and I let them know our problem me they threaten us to take my husband pay and get other involved we stop payment do to low funds told them we could only afford XXXX we bought stuff worth over 2000 but have to pay them XXXX they scam military members plus the items we bought was like 2 years old and always out of date

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {$310.00} / XX/XX/2022

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 2020-05-08
Company: Lending Club Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan with Lending Club was paid in full in XX/XX/XXXX. I applied for an auto loan in XX/XX/XXXX and the dealership brought it to my attention that I had a negative account reflecting on my report. I reached out to Lending Club and was told that it was showing a {$0.00} balance on their end and they would take care of it so that it would correctly reflect on my credit report. I was told to give it 30 days and it should no longer report incorrectly. I pulled my credit report today and to my surprise, Lending Club is still negatively reporting on my credit report. At this time, this is truly hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my report. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX  1ST-Date of inquiry XX/XX/2020

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 2022-04-13
Company: EQUIFAX, INC.
State: VA
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:
Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 started a dispute. They requested additional information, through mail or secure messages. I submitted additional information online via chase secure messages on XXXX XXXX, 2021. It has been over 90 days and I have not received a response, in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Amazon Prime Store Card offers a 5 % cash back for purchases made in the prior billing cycle. After the latest billing cycle that closed on XX/XX/2020, I had earned {$46.00} in cash back, which I decided to apply as a statement credit on XX/XX/XXXX, I got a error message from the website ( https : //www.synchronycredit.com/ - the company is the issuer of the Amazon Prime Store Card ) saying my rewards balance couldn't be applied because of a technical error and to try again later. So I tried again a few minute later, and it appears the system had accept my request to apply the {$46.00} as a statement credit. 

However when I checked the account the next day, it had not been applied. 

So I called customer service ( XXXX ) XXXX ) on XX/XX/XXXX at XXXX and a representative said they acknowledged the issue and told me it would be take care of. 

The next day, it was not fixed, so I called again ( XX/XX/XXXX ) at XXXX and the representative told me they were sorry it wasn't fixed and they see the problem, and will take care of it, and it should be fixed by tomorrow. 

But again the issue was not resolved. So this time I reach out the Synchrony customer service team on XXXX. I was finally able to speak with a representative on their XXXX care team ( XX/XX/XXXX ). I explained the issue again, and she told me they would take care of it and she would follow up with me in a few days. I didn't hear back, I reached out again, and they told me they would call me in 24 hours. They didn't do so. 

Trying to resolve a simple mistake on their end shouldn't take multiple phone calls, and hours of my time to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, INC.
State: SC
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:
I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Earm LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I am being harassed by people who claim to represent company called MAC. I think that they are a payday loan company but I am not certain. At any rate, any payday " debt '' I had was settled long ago ... probably in excess of 10 years. and recently, I have received numerous repeated calls claiming " time sensitive '' information that MUST be responded to asap before serious legal proceedings begin, etc etc.

The calls have come daily for the last 2 weeks. I told them not to bother me any longer or I would report them for harassment, at which time I was insulted and threatened further.

Mr. XXXX at MAC, altho the name is likely fake. The calls emanate from XXXX and I am asked to return the calls at XXXX.

Company response to consumer: Untimely response