BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NJ
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 # XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 2022-07-15
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed there was a charge-off account for XXXX on my credit report that was not mine. I sent 3 letters to XXXX, XXXX, and XXXX notifying them of the error and asked them to verify the debt. The letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022 with no response. I then sent a certified letter directly to XXXX XXXX XX/XX/2022 notifying them that the debt was not mine and if they had reason to believe it was mine to provide proof. Based on the tracking number, XXXX received the letter on XX/XX/2022 at the listed XXXX XXXX on my credit report ( XXXX XXXX XXXX, XXXX OH XXXX ) but they have yet to respond to my request. This is not my debt. I've attached the letter sent to XXXX XXXX Also a copy of the certified XXXX screenshot with the delivery date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
As of XX/XX/XXXX my account with Arvest was overdrawn $ XXXX including {$130.00} in over draft fees. On XX/XX/XXXX a check from the XXXX XXXX XXXX XXXX XXXX was deposited in the amount of {$1500.00}. The date the check was deposited the the account was brought to $ XXXX. On Saturday XX/XX/XXXX the {$200.00} credit from the deposit was reversed and the check was placed on a one week hold. Arvest has deposited several checks ( over {$1000.00} ) from the XXXX without placing a hold on the account prior to XX/XX/XXXX.XX/XX/XXXX a payment was scheduled to come out of our account with Arvest to pay for our water bill. Since Arvest has placed a hold on our deposit. Our water is now turned off and we must pay an additional {$20.00} to have the water turned back on.

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 2022-03-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a ChaseXXXX XXXX XXXX account in 2021. This account gives cardholders stars based on purchases. The stars can be redeemed for free coffee at XXXX. 

In XXXX, 2021, I did my XXXX shopping and should have received XXXX stars ( its printed on my credit card statement ). The XXXX stars have not been credited to my account. 

I have contacted XXXX and they tell me to talk to Chase. When I contact Chase they tell me to talk to XXXX. I have had several text conversations with both companies. 

The XXXX points are not a large amount of money, and expensive coffee is a luxury. Im just frustrated at being ignored. I didnt do anything wrong- they made a mistake and wont take responsibility for fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: FIRST ADVANTAGE CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXXOpened a dispute with First Advantage stating they were supplying my employer with inaccurate information that they claimed they got from the DMV. I submitted a certified copy of my drivers record showing that I had no violations on it to First Advantage as part of the dispute process.

After several phone calls I was told the information they are reporting is correct. It isn't however as I have proof from the DMV and the court that the information is not accurate.

My employer requested an update report 2 more times after I opened my dispute and they are still sending my employer inaccurate information. This has cost me the position I applied for due to the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All the funding I have access to is owed to the United States. The way I pay what I owe is by paying people for their goods & services. Middle man Navy Federal Credit Union decided to enrich itself by stealing then lying to everyone. Navy Federal Credit Union kept the deposit meant to pay someone. The deposit was a test to see if this credit union would be honest or not. This bank decided to enrich itself through dishonesty. 
As a result that person was kept debt because of Navy Federal Credit Union 's greed. Navy Federal Credit Union expects you the CFPB to do nothing about it. Since Navy Federal Credit Union decided to steal then lie, I chose to I document everything to show the Attorney General & XXXX XXXX. XXXX asked questions. XXXX didn't care XXXX wants answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Hi, Happy new year! 
I opened an amex XXXX card on XXXX XXXX, 2016 but I did not receive XXXX reward points. I called Customer service and they said I will not receive it because I have Premier Rewards Gold Card. To the best of my understanding, the XXXX cards are different products and therefore I should be eligible to get opening bonus. In addition, many friends received bonus of both cards. I wish I will be treated equally. 
Could you help me solve this problem? 
I greatly appreciate your help! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech aka Greentree has ripped me off with unsubstantiated late charges and other " mystery fees ''. When contacting them I spend hours of my life on phone. 
It is really very simple ; I have a schedule showing payments always made within the grace period. I have until XXXX of the month to pay. In cases where the XXXX falls on a non banking day that is supposed to roll to the next banking day. Not with Ditech / Greentree. That 's just another opportunity to rip off customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper 's on-line payment system is riddled with errors and issues. On multiple occasions their systems would not recognize my user name or password. The user name/password retrieval system does not work. It sends you a time limited temporary password. It takes so long to receive the message that the temporary password is no longer valid once you receive it. When you call to pay by phone they charge a service fee. Unfair business practice. Their customer service is non-existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
This is the SECOND complaint I am filing as Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered  credit score. I disputed these two accou nts o n  XX/XX/XXXX  of  this year through  XXXX ,  XXXX  and  XXXX  to no avail.  Midland Funding has  appropriately closed one account  (   XXXX   ) , but still leaves  one  account (  XXXX  ) open without any sort of validation.  <P/> To date , Midland Funding has  continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I have  the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a paper stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.  <P/>  Midland Funding stated in their response that they have verified that the items listed are accurate but has failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said you did. Midland Funding 's failure to delet e the disputed accounts that you cant verify after  two written requests is also evidence of your willful disregard of Federal Law.   <P/> This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Elly, LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was approved for a {$1000.00} installment loan. The lender has my bank account number and routing number as well as my social security number and other personal information. 
I was just informed that even though I was approved for the loan they have decided not to fund it. No reason was given but I strongly suspect they are discriminating against me because I am XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Hello I am reaching out because the listed accounts, -showing the dates and what bureau that it posted on is a part of identity theft. I attempted to resolve this with the bureause below but I have not been successful. 

RESIDENT VERIFY Tenant Screeners XX/XX/2022 Experian XXXX Miscellaneous Finance XX/XX/2022 XXXX PEOPLE FUND Miscellaneous Personal Services Other Than Medical XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Experian XXXXXXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX Credit Unions XX/XX/2022 Experian XXXX - XX/XX/2022 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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 rights have been violated according to ... 15 U.S.C. 1681 602 ( a ) states I have the right to Privacy ... ..15 U.S.C . 1681 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions ... ..accounts XXXX XXXX  {$410.00}, XXXX XXXX XXXX {$780.00}, XXXX XXXX {$850.00}, XXXX XXXX XXXX {$1300.00}

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 2017-02-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Application processing delay

Complaint:
I was pre-approved for an AMEX NextStep loan of {$5300.00}. Sent a link to digitally sign, which I did several times. Called their offshore call centers, was given different answers to the same questions about the disbursement procedures. 

Was told if it was n't signed before the deadline of XX/XX/2017 it would be cancelled and I 'd need to re-apply. 

Now it shows cancelled as if I did n't sign the document even though I was told that it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TSI handles my account under XXXX. Accounts XXXX. XXXX and XXXX. I started up a payment scheme with them XXXX 2015. A {$50.00} payment is being debited to my XXXX Account every payday or every other week. When I remarried last XXXX 2015, my wife started to handle my finances and tried to consolidate all my debt. She had been calling TSI starting XXXX this year to check for the total balance of the said account. She asked for receipts or any form of confirmation as to what accounts had been paid off and how much remaining balance. In the course of these phone follow-ups and exchange of letters, she found out that there was around {$500.00} that was not accounted. She was exasperated that the Customer Service people she spoke with like XXXX XXXX, XXXX, XXXX XXXX, can not give her what she was asking. Until we paid off the remaining balance last XXXX and we asked for payment history. TSI sent a payment history and there were payments that was not accounted for. We are thinking that we overpaid them since we are not certain as to how much is the total balance. We wrote another letter to TSI addressed to XXXX XXXX and sent them copies of the XXXX check that was debited but was not accounted. Total amount was {$500.00}. However, TSI did not address the over payment issue but replied that the account was already settled and closed. We believe that we need a proper payment accounting of all the checks that we paid. Previous letters did not reflect the payment at all that is why we believe we over paid. Is it still possible to claim back the over paid amount? Please help shed light on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2022-03-18
Company: Allied Collection Services, Inc. (Nevada)
State: IN
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:
The Debt I have with Allied Collections out of XXXX is refusing to stop reporting my debt after 7 years of reporting XX/XX/XXXX is when debt started and now its XX/XX/XXXX I want debt deleted from reporting to 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 2016-08-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Multiple unauthorized transactions over the Internet withdrew all my money from my Bluebird AMEX account on the same day my direct deposit from work went in my account. The transactions were from XXXX countries and I discovered them on the same day that they occurred and notified my bank while all of them were still on " hold ''. The bank said no action could be taken till the transactions were processed and now that XXXX of them Total ( {$990.00} ) have gone thru and the bank still has not updated me on when I will get my money back. Meanwhile there are at least XXXX more pending transactions putting my account in as overdrawn by $ XXXX and I have no money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received many letters of collection in the mail from Midland Funding LLC / Midland Credit Management Inc . I sent them a letter requesting them to validate the debt. Their reply letter did not contain any evidence that I am legally obligated to pay them anything or that they have a legal right to collect under the FDCPA. I sent them another letter telling them to immediately remove the collection trade line from my credit reports since they did not provide evidence that they owe the debt. They sent another letter saying that they " reviewed '' their records and deny their records are innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I have multiple American Express cards which earn me membership points. Yesterday as of XXXX XXXX I had XXXX points, today I have only XXXX points. XXXX points have been deducted from my account today without any justification or explanation. 

Despite removing these points, additional XXXX points are also not available for use. Earlier also Amex had erroneously not allotted me points and later after a complaint to CFPB had released those points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Hello, I was taken advantage due to malpractice while several laws were broken under the FCRA by your company. This has caused me major financial injury and this has caused defamation of character. I have lose out on job opportunities, can not apply for credit, and I even can not apply or qualify for a SBA loan due to the pandemic. Under this crisis you have hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2016-06-22
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX midland credit has called me 4 times today. once at around XXXX, then at XXXX, XXXX and again at XXXX. At XXXX I told her I 'm not a secretary and goodbye. at XXXX they called again, no one answered. At XXXX, I informed them they were using a house phone. XXXX does not use house phone for anything, they had wrong number. I called them back and informed them they were harassing me. they said they were going to put on do not call list. they said that last week also and previous weeks. Also they asked me who I was and there were XXXX names at this number.

Company response to consumer: Closed with non-monetary relief