BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter.. 

BANK OF AMERICA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$450.00} written off. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$760.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2400.00} Status Collection account. {$2400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$180.00} written off.

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 2019-12-10
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've disputed this alleged account ( XXXX ) this year and previous years via multiple collection agencies and it was proven the alleged debt ( XXXX ) wasnt mine. When this took place the item was removed from my credit reports. This debt was purchased from a portfolio of debt and im tired of being taking advantage of. I've seeked counsel to help resolve the issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries that I did not authorize on my Equifax report. I have disputed multiple times and still no resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX charge off This information is incorrect Ive called multiple times and the amount is incorrect . I am asking this incorrect information be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  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 are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.

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 2018-06-18
Company: LD Holdings Group, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX my bankruptcy was discharged after which Loan Depot quit sending me monthly statements even though I did not include my mortgage in the bankruptcy. 

XX/XX/XXXX, I emailed Loan Depot asking them why they quit sending me statements. No reply. 

XX/XX/XXXX wrote a letter after I talked to one of their agents who told me to email XXXX and include a copy of my Bankruptcy Discharge which I did. No reply. 

XX/XX/XXXX emailed XXXX with same question and no reply. 

XX/XX/XXXX called twice and the second time an agent told me to email again requesting that my statements be mailed. Of course no reply. 

I have been mailing my monthly statements even though no statement received to a special address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Account was charged off for XXXX dollars and I paid XXXX check of XXXX dollars XX/XX/XXXX and XXXX of XXXX dollar XX/XX/XXXX experian is reporting this and transunion and I mailed them statements if proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: DISCOVER BANK
State: MS
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged {$380.00} online ( XXXX ), for a purchase I did not make or authorize on XX/XX/2021. I did not discover this charge until XX/XX/2021 when I tried to log into my XXXX account that was suspended without notice or good cause. The charge looks like it was made the day ( XXXX XXXXXXXX XXXX  ), that my XXXX account was involuntarily suspended. I notified discover card of the fraudulent charge on XX/XX/2021 and XX/XX/2021. I contacted Discover Card this morning ( XX/XX/2021 ), and they said that the matter had been resolved and that the charge " was '' valid, but it is " not '' valid, nor ha sit been resolved, as I did " NOT '' make or authorize a {$380.00} charge on my Discover Card on XX/XX/2021. Discover Card needs to investigate and credit my account for the amount in question, {$380.00} plus interest from XX/XX/XXXX, XXXX present. Discover Card Fraud Department needs to investigate, and send me a new card with a different account number. It looks like someone with the screen name ( email ), " XXXX  '' is the fraudster, according to the XXXX contact page ( see screenshots ). I don't know anyone in Florida or anyone with the name of " XXXX XXXX'. I Live in Mississippi ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-12
Company: TD BANK US HOLDING COMPANY
State: PA
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:
I called the credit card company to ask about getting my interest rate lower. My credit score is XXXX and I have paid my bills on time. I believe I am being redline because of where I live, My interest rate is 21.24 %. I called them in XXXX about my rate. They said that they could not lower it. I got a paper in the mail where they were offing me a loan with 0 % interest until 2022. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: FIRST HORIZON BANK
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00} credit card FRSTHRZNBK XXXX XX/XX/2015 {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I started a online application with myself and a co-applicant to check rates without affecting my credit score per their website. After checking my rates I called a few days later to review and ask some questions over their balance transfer loan process. During this call I did not request and was not made aware that the agent assisting me was starting a loan application for me under my name only. I ended the call and a few days later when I was ready to submit the application for the loan I noticed that my co-applicant was not on the loan. I called to inquire about this and was told by the agent on this call that since I am the main applicant only my name would show and the co-applicants would show on another page. With this information I then submitted the application and was approved for the loan, without the co-applicant on it. I did not know I was submitting a application for myself only as that is not what I started online and was not told by any of their agents that there started a new application under my name only. I want the credit inquiry to be taken off as it was ran under false information given to me and a false application I did not agree to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX 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 are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.

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 explanation
Consumer complaint received 2021-06-12
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
UNSOLICITED DEBIT CARD FROM XXXX XXXX  ... XXXX.I received a DEBIT CARD from XXXX XXXX that I never applied for.

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 2019-12-10
Company: Colony Brands, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my third time submitting this problem! I have continued to send the proof that this account needs to be removed. My next step is to take legal action please review the attached documents AGAIN and remove this account. THIS IS A CERTIFIED COPY FROM THE CREDITOR FOR REMOVAL!!

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 2021-06-12
Company: Experian Information Solutions Inc.
State: OH
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:
There was 3 disputes I have tried to get opened back up with Experian. Under FCRA and experian guidelines, new information in grounds for re-investigation. Well, that is exactly what I have done, 3 times now. I have submitted new information, that pertains to a dispute, that I have never introduced. The attached information will be available as well. The first is 2 XXXX XXXX XXXX XXXX Accounts that includes the statements of the serveral months that shows as late on my credit report. These statments prove I was never late and it was a common reporting error by the bureau. Secondly a letter directly from XXXX XXXX from a CFPB case that entails the inaccurate information will be deleted and Experian has yet to accept that information as grounds for re-investigation. This continued violation of my FCRA rights has costed me money, time, and most importantly fair access to credit and lending due to the negligence Experian continues to show.

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 2021-11-15
Company: ACIMA CREDIT, LLC
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
ACIMA credit is a scammer. They will approved you and whatever credit available you have left they will make you pay it even you dont use it. They charge XXXX dollars fee if you pay EARLY. They stop taking money out you account when you about to end your contract you will pay 4 times extra. They manipulate their app and payments, and amounts does not reflect correct. This is program of financing is Predatory in every bit of the word. Its said to help those who are unable to finance by going through them for your purchases. They completely rope you in and make you pay the full lease even if you didnt use it all. When you call to speak representative, they will tell you that in other to help you will have to pay first. THEY add quarantine to your lease with out your permission if you tried to use the quarantine, they will not let you use it. They have their employees writing positive reviews, so they continue they ARE SCAMMING SCCAMMING SCAMMING SCAMMINGS SCAMMING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AMERICAN EXPRESS COMPANY
State: CO
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 reached out to American Express Company about a charge of {$740.00} from the merchant XXXX XXXX ( XXXX ) on XXXX XXXX. 
I used the official XXXX  mobile application to make a change to a connecting flight to give myself some additional time during a layover. I used the XXXX  app to look for flight changes. The app listed numerous flights available for that change, each had a listed charge. There were two flights that showed a charge of {$0.00} and I proceeded to select one of those flights for the change and expecting no charge to process that change. In the screens that followed showed a charge of {$0.00} ( at least two other screens ) and I proceeded to finalize the change. Within a few minutes, I received a notification that my credit card was charged an amount of {$740.00} from XXXX. I called XXXX  immediate ( within 15 minutes ) and spoke to a representative and explained my issue. She said that she was not able to help me because I had finalized my flight change. I asked to speak to someone else or a supervisor multiple times and she put me on hold two times. I waited for a response for more than an hour and after she got back to me, she mentioned that she opened an inquiry for me and that XXXX  will follow up with me within 5 business days. I also filed an online question with XXXX. I did not hear back from them.

I submitted a dispute with American Express Company ( Amex ), the credit card provider that this fraudulent charge was charge to. The dispute closed after XXXX  responded with the position that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' I spoked with Amex representatives on at least 6 occasions about this dispute. Each time, they expressed to me that my dispute is reasonable and that they will be able to help me. Amex closed my dispute and I called them to express my concern that my issue was not addressed. The representative suggested that we reopen the dispute. The dispute was re-opened on XX/XX/2022 and I submitted additional letters and documents to support my claim. Amex closed my dispute on XX/XX/2022 with the same position as the first time that " The merchant has advised that the change was done by the XXXX  herself through XXXX. '' They also sent a message to let me know that they can no longer investigate this issue further and close this dispute.

I am submitting this complaint because Amex did not properly investigate my dispute. I did use the XXXX  application to make a change to my flight but the issue was that XXXX  charged me {$740.00} without displaying that amount on their application. I communicated this concern to Amex through multiple calls but it was not heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.

Company response to consumer: Closed with explanation