BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I ordered a sweater from XXXX  on XX/XX/XXXX. Total purchase price was {$76.00}. I received the sweater on XX/XX/XXXX. The style was not what I expected, so I returned the sweater within a week. I waited for the return to be credited, but it never was. I finally called the customer service number on the back of my card on XX/XX/XXXX, and was credited the full {$76.00}. However, since it had taken XXXX  so long to process my return ( I'm not sure they even would have had I not called ), they dinged me with a {$32.00} late-payment fee. I called and asked them to wave the fee. At first they refused. When I told them to cancel my card, the customer service agent stated that he would speak with a " retention specialist '' and put me on hold. When he returned to the line, he told me that the retention specialist had agreed to waive the late fee if I agreed not to cancel my card. I agreed to those terms and asked him specifically if my card balance was now XXXX. He affirmed that that was correct. 
On XX/XX/XXXX, I received a credit card statement from XXXX XXXX showing a balance due of {$73.00}. When I called to inquire about the charge, I was told that I was being charged the {$32.00} late fee from the previous month, plus an additional {$41.00} as an ADDITIONAL late fee, plus {$1.00} in interest. I explained what had transpired and how my balance was supposed to be XXXX. I refused to pay the {$73.00}. The agent I spoke with stated that she could waive only one of the late fees, IF I retained my credit card account, and that I would have to pay the balance. I reminded her that the situation was based on her company 's error, but all she would say was, " I apologize, '' and refused to waive the entire amount. I was not interested in being fooled again, so I asked her to cancel my credit card, which she did, without refunding me any of the bogus charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On " XXXX '' website there are several HARD inquiries into my credit by " XXXX ' that are bogus. I was told that they are " AGING '' my accounts fraudulently & do not belong to me because I never asked them for money. PLEASE TELL THEM TO DELETE THIS CROOKED DATA. Thanks for any help. XXXX. 

PS : If they have any documents from the internet those are fakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Was not notified of investigation status or results

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the Equifax data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Paypal Holdings, Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was incarcerated and someone had my phone along with all my accounts in their possession. I filed a police report and Venmo is stating that since some transactions occurred more than 180 days ago there's nothing they can do and they suspended my account and I have a balance of XXXX dollars in there that im unable to use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/2022 I submitted my Identity Theft report through this website along with my identification. I will upload my complaint copy with my other documents. I also uploaded a notarized copy of my FTC Identity Theft report. The FCRA stated that is all I need and a statement acknowledging that the accounts resulted in identity theft and that I don't assume or accept responsibility. ! 5 USC 1681C-2 ( A ) The local police department also stated that as long as the Identity Theft report was notarized and has a report number from the Federal Trade Commission , that's all I need. The company has 4 days to block and delete the information. I received an email from one of the companies asking me to upload my information but the website will not allow me to upload my documents. I am uploading a copy of the email also. I am not able to pull my consumer report from this company. I asked for them to mail me an updated report and score and I haven't received it. Also I am acting on my own behalf. I keep getting told that it's not me.

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 2016-03-02
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me 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 2015-04-16
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, Dept of ED/XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: TX
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:
FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out for the 2nd time to the CFPB for help in dealing with my mortgage servicing company, Freedom Mortgage. After months of dealing with this bank, making payments and always confirming details, I am now being blatantly lied to again. Back in XX/XX/XXXX, I received a permanent FHA streamline modification agreement from Freedom Mortgage dated XX/XX/XXXX. The agreement showed my deceased husbands name as the borrower and my name as the co-borrower. After the 1st complaint Freedom Mortgage resent me a new agreement on XX/XX/XXXX which I signed and notarized. The executed agreement was returning using the prepaid XXXX they included with the agreement. I am attaching the XXXX confirmation showing this was delivered to Freedom Mortgage on XX/XX/XXXX at XXXX am signed by XXXX XXXX I called Freedom Mortgage and confirmed the executed/notarized modification agreement was received and accepted. I was assured it was. The first modified payment was due XX/XX/XXXX. I made the modified payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. All the payments were accepted. I then received a letter from Freedom Mortgage dated XX/XX/XXXX stating the permanent agreement mailed out XX/XX/XXXX was never received. Please see the attached Freedom Mortgage permanent agreement dated XX/XX/XXXX. I called Freedom Mortgage and they have no record or notes from any of my calls to Freedom Mortgage confirming the agreement was received and even though I have proof it was delivered, they insist it was never received. Now they are stating I owe almost {$30000.00} and my only option is to start all over again as I no longer qualify for a Covid19 FHA streamline modification. Now, I am facing foreclosure with my only option being to start all over again with this nightmare process. Please 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 explanation
Consumer complaint received 2015-05-05
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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 Credit Acceptance 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 not treat a payment on a credit card account under an open end consumer credit plan as late for and 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 2018-05-29
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have submitted this notice to the company via certified mail and haven't received a response in reference to this, this not my debt and is ruining my credit I also sent a copy to the credit bureau and they have not provided proof of this reporting XX/XX/18 Recovery One XXXX XXXX XXXX XXXX, OH XXXX XXXX : Collection Account : XXXX amount {$2300.00} To Whom It May Concern, I am sending this letter to you in response to a collection notice I received on my experian credit report Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you. 

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
I disputed this account on XX/XX/2020 and it now XX/XX/2020. It was with XXXX XXXX and account number XXXX. It has been over 30 days since I disputed this last and they have fail to respond. I had also disputed this account numerous times for different reasons in XXXX, XXXX, and XXXX and both Experian and the creditor failed to put the notice of dispute within 30 days from the first dispute which is a violation under the FCRA 623 and FDCPA 806 ( b ). It's abundantly clear that the information was not entered and  therefore, the account can not report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. states a consumer 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 166 B : A creditor may not treat a payment on a credit card account under an open and consumer 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