BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I rented an apartment from XXXXXXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. We noticed " admin fees '' were being added to our rent each month for roughly {$180.00} and when we asked what it was for, we were told not to worry about it because they would be reimbursing us for these fees in the form of gift cards and we were also told these gift cards could be used to pay rent. See XXXX. XXXX email from XXXX XXXX on XX/XX/XXXX. These cards were to be issued by a 3rd party called XXXX XXXX, a company that XXXX partnered with to provide gifts to their residents and seem to be doing business with them regularly. 

In the email attachments included, you will see that the gift cards, in fact, were not able to be used for rent when trying to apply them to my debt multiple times. I have documented pictures and proof of the cards not working and her team letting me know they should work and they would be contacting the company. See XXXX XXXX with error messages I was getting from their website attempting to use the gift cards and sending this to the leasing team. I sent the emails containing the gift card links back to the leasing office as soon as they didn't work. I was told they would work with the company to address this issue and I had to continuously follow up with them for a few months until I finally heard back in XXXX. On XX/XX/XXXX, XXXX, the manager, informed us that they requested the gift card balance be sent back to them to apply directly to our account. I followed up with them for a month and received no response. On XX/XX/XXXX, XXXX informed me that management would apply a concession in the amount of {$2300.00} as per her email on XXXX XXXXXXXX. At this time, I did nothing with the gift cards as we were told that management would be removing the credit from them and using it towards our concession. 2 months went by and we heard nothing from from so I followed up as our lease was coming up and they had our security deposit and had not issued the concession they were claiming we should've received in XXXX. I was ignored and when we moved out, they didn't mention the gift cards again. Before we moved out, I let them know again that they failed to send us the concession that was promised in XXXX and that they could take that money and apply it to the last month rent as we did not want them stealing money from us. They finally replied to us, after we moved out, claiming they reached out to XXXX XXXX to reissue gift cards, which never happened, and that we still owed them money. And then, last month, I was contacted by Columbia Debt Recovery and was informed that I owed them the remaining balance of {$2200.00} and it was starting to accrue interest. I pled my case to the credit bureaus but they could do nothing so I'm hoping this can help resolve what I believe is not my debt to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: SYNCHRONY FINANCIAL
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may may not treat a payment on a credit card account hunter an open end consumer plan as late the purpose.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: VA
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 customer service

Complaint:
On XX/XX/XXXX, I called Comenity about my Caesers Rewards Visa, I let them now I was going to New York & would be using my card for payment while in XXXX on XXXX XXXX. In XXXX on XX/XX/XXXX, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesnt match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. I have never had a late payment, and just like that they permanently closed my account and tell me they cant reopen it. 

What I believe happened is when the woman resent the code the second time she actually sent a different code. After I got off the phone with them I saw I had received a SECOND message with a different code. I was NEVER told they would be sending a DIFFERENT code when they resent it nor did I have anyway to know when I received the first code that it was not the code they wanted since it was the first code I saw I received before I saw I was sent a second code. 

I was never told if you get this wrong while standing in the middle of XXXX without payment options, trying to figure out what is going on with your account that we are going to PERMANENTLY CLOSE your account. 

Mind you I had already confirmed my name, address, phone number, last 4 of ss number, last 2 payment amounts and the bank information those payments came from but apparently that wasn't enough information to confirm it was me. 

I asked to speak to a Manager and was connected to " XXXX '' who was rude, unhelpful, basically told me they were a bank and could do whatever they wanted and they werent going to open my account back up. I could have sent them photo ID, birth certificate, ss card, utility bill or other options if they had fraud concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NV
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:
Hi, I noticed there were several inquiries on my credit report. I have made the bureaus aware of this and informed them these inquiries were made without my consent, knowledge, or authorization. I have sent out letters recently and have tried on several occasions to resolve this issue with the companies and banks. I have also sent out letters to the credit bureaus. 

I am hoping you are able to help rectify this issue, as it's frustrating and challenging to be a victim of any company 's fradulent and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: AL
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:
Inquiries that I don't recognize.on my Credit Report. I have Contacted the companies for relief and all 3 Credit Bureaus, I have also attached Identity theft affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My AAA Comenity card and my XXXX card are charging my XXXX XXXX XXXXXXXX card interest charges of approximately {$40.00} & {$30.00} every month because I pay the minimum payment every month. But yet I pay interest on those accounts every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ace cash withdrew a large amount cash from our account they have as of XXXX stated they reemburse us we have received nothing and despite many texts and phone calls havenot responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Hello I have been a bank of america card holder since 2011 and I have always made on time payments. I recently found out that they closed my account. When I called they said I had too many authorized users. I give my family a credit card for emergencies. When I called they said there was no limit to how many people I can add. Why would they tell me this and then close my account? this makes no sense to me. It just seems unfair, now my credit score is going to drop because this was only credit card I have with a long payment history. They said they will not give me a chance to fix the issue and it will be permanently closed now. Is this legal? Please investigate this matter for me. I have been a bank of america customer for since early 2000s I recently opened another bank account with XXXXXXXX XXXX and transfered my money. My business credit card was also closed, they said that it was due to my business checking account being overdrawn. I thought this account was closed already and I was getting several maintenance fees, which were eventually reversed and now the account is finally closed. This is an unfair practice and I need both my business credit card and especially my personal credit card ending in XXXX reopened.

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 2023-07-18
Company: EQUIFAX, INC.
State: IL
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:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX and Comenity Bank have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a 100 points and Ive disputed this again but every 3 or 4 years they sell my information from this XXXX and Wayfair accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX XXXX XXXX saying they wanted to deliver a letter to me. The service said they were working for XXXX and gave me XXXX 's phone number XXXX. They said the company 's name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX at XXXX, said I owed a debt to Synchrony Bank for {$15000.00}. I never had an account with Synchrony Bank. They said the debt was from XXXX to XXXX. I never had an account with Synchrony Bank. They threatened to take me to court, seize my bank accounts, etc. This is harassment. This is consumer fraud.

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: TX
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:
I XXXX XXXX was approved for an Amazon chase credit card on XX/XX/22. On XX/XX/22 I found out my card was closed, once I called chase bank to find out the reason why I was told by account manager XXXX my account was closed so to many recent inquiries on my credit report. I explained to XXXX those inquiries was not made by me and have been dealing with identity theft. I was not treated like a valuable client I was instead basically told thats my problem to deal with. The whole situation of closing my account just seem like a XXXX matter chase decided to do. A person account should not be closed almost a month later after going through all the necessary channels to get approve then being told account is closed down from something that has happen after getting the card and on top of that matter being closed for something I did not do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: WA
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 have been a XXXX overseas for 22 years. When I saw my credit used in the USA and I was not in the USA I sent all 3 credit FICO agencies every required evidence as well as the companies claiming they had lent money to me. Now I have two companies not removing their reports. They are XXXX XXXX and XXXX XXXX today and the algorithm is falsely claiming they are true plus XXXX XXXX now says I have a late payment I have XXXX late payments I also am not the owner of the loans taken I have proof of identity theft and I want these companies removed who keep this fake evidence on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I called FedLoan Servicing to inquire about my refund for {$6600.00}. On XX/XX/2022 I received a {$3000.00} deposit to my account for less than half of this amount and have yet to receive the remaining {$3600.00}. When I called on XX/XX/2022, the agent was more concerned about arguing when I had and had not called into customer service than addressing my issue. I need to know when the remaining balance will be issued as the agent seemed to think the full balance was deposited on XX/XX/2022 when this is not the case. I am missing {$3600.00} and nobody has been able to answer when I can expect these funds. My balance shows up in full although I am missing these funds. 
According to the original timeline I was given, these funds should have been deposited by now since the original refund request was on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NY
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 right as a consumer is being violated according to " 15 usc 1681 a 2 ''. In Accordance with the Fair Credit Reporting act, Account Name : XXXX XXXX Account Number : 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-05-23
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a shirt at Torrid for XXXX dollars and I was 2 days late on the payment which I paid at the store. I was assessed a late payment fee which I attempted to pay over the phone twice. For some reason my 2 payments did not go through so I went into the store to pay the late fee. My present balance is all late fees and minimum payment fees related to the late fee. I do not believe I owe anything. Also my debit card was hacked at the same time. Comenity bank would not work with me they just sent my XXXX balance to a collection company and reported it on my credit report. It was their fault because they did not process the payments correctly and possibly their employee stole my debit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: OneMain Finance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In 2022 I did what I thought was essentially a refinance loan. I was looking to refinance my vehicle that had a lien from another company. OneMain explained that they would pay off my old loan, include some cash from the equity, and roll that into a new loan with them. What they did not make clear was that what I have is not an auto loan, even though it is a loan for my auto. They falsely advertise on their website, XXXX, and at the time XXXX XXXX as auto loans. they do not make it clear at the time of origination that coding the loan as a personal loan listed under " other '' that an auto refinancing company wont touch it. 
I understood I was getting into a loan that was a higher interest rate, that could make the loan price higher than the value of the vehicle, but the representatives used words like refinance and auto when describing the loan making me to believe that the loan was something it is actually not.

when signing, I asked if I could refinance later and they said yes. Well after 12 months I figured this was a good time to look into refinancing but not only will no other company refinance this loan but the representative at OneMain said " they don't do that '' that I am not able to refinance into an auto loan within the same company. I pointed out that the company advertises as auto loans and he said " sometimes they do that '' but that I can not. 
This is predatory because it removes the freedom of the consumer to choose their financial products. They essentially trap their customers by misleading them, and making sure that they can not refinance out of the company because of the way the loan is listed on the credit reports. 
My credit and vehicle type fit the requirements for a refinance loan from XXXX but because my loan isn't listed as auto on my credit, they will not refinance it. Had I known that I would not have refinanced ( even though that's not what it actually is ) with them.

Company response to consumer: Closed with explanation