BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I submitted an online dispute to Experian to address some discrepancies I found on my report. They responded on XXXX XXXX, 2015 with information to log-in to retrieve the results of their investigation within 4 days. I have been attempting to log in via the link they provided with my report number they provided and all I receive is a system error and a message to try again later. This has been an ongoing issue with Experian and the only option they have given me ( that I can tell ) for receiving my dispute results is via the online link.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: Receivables Performance Management, LLC
State: WV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: GA
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 following creditors/ credit reporting agencies have violated my rights. 

-- XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- U S DEPT OF EDXXXX # XXXX -- US DEPT. OF EDXXXX # XXXX -XXXX XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX*** -- No Acct Name # XXXX -- No Acct Name # XXXX -- No Acct Name # XXXX -- XXXX XXXX XXXX -- 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IN
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 deleted 2 unverifiable and inaccurate accounts from my credit report and I sent Experian and XXXX proof that XXXX could not verify the account so XXXX deleted the accounts. I sent a copy of the deletion for the 2 accounts but Experian and XXXX ignored/neglected my letter and still claims to verify the accounts without the creditors actually verifying them.

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 2016-05-06
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I got an initial CareCredit loan on XX/XX/XXXX in the amount of {$3800.00}. The first year was a no interest if paid in full. I still had a balance after the year so I was charged the interest on XX/XX/XXXX in the amount of {$1000.00}. I started paying the new balance down but I noticed another interest charge of {$77.00} on XX/XX/XXXX. I contacted customer support to ask what the additional XXXX was for and I was told that XXXX will be added monthly until the balance is paid in full. I dont understand because they have already tacked on the interest and I am paying it down but I cant get it paid off if they add XXXX each month on top of the accrued interest. Is this even legal? It seems predatory.

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 2015-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I believe I am the victim of a wrongful auto repossession. I had difficulty paying my auto loan, NOT because of inability to pay, but because of problems with the bank 's bill payment system. I was told this would be resolved, but it was not over several months. I received only the first paper bill ; subsequent electronic bills were emailed, but the embedded links did not work. I was not able to pay the bill online, or at local banking centers. My car was taken from my driveway in the early hours on XXXX XXXX, though I gave up keys willingly. I did not receive any notice of default, nor of repossession. I have since paid the payoff balance for the loan ; however due to excessive storage fees, I have been unable to retrieve the car. I have exhausted funds to rent a car and plan to file for replevin and money damages as quickly as possible. Additionally, I would like to lodge a complaint with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I thought there was fraud on my account so I set up some additional security measures. I have the paper with the back-up info in my safe but I got rejected for a credit card today and my score is like 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 explanation
Consumer complaint received 2022-10-10
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I paid the National Credit Systems Inc. {$180.00} on the behalf of XXXX XXXX XXXX XXXX. As of XXXX XXXX the debt is showing in collections on my XXXX credit report. I've called National Credit Systems Inc. multiple times to have this debt /collection removed from report as agreed in XXXX, but they've denied my request and continue to dismiss me. 

Note : this debt was removed from my credit report in XXXX of XXXX, but reappeared this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Colony Brands, Inc.
State: VA
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 started receiving a bill from Montgomery Ward in XXXX of XXXX. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a Montgomery Ward account in my name. After 3 months my credit dropped over XXXX points due to the Montgomery Ward showing up on my credit with no payment made on $ XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? Montgomery Ward was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want Montgomery Ward to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: AMERICAN EXPRESS COMPANY
State: CA
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 rewards from credit card

Complaint:
I applied for American Express XXXX XXXX card in XX/XX/2021. The welcome offer was XXXX  XXXX points if I spend XXXX dollars in the first three months. I finished this task but I did not receive the points. 

1. In late XX/XX/2021, I called American Express asking them to start an investigation. They said they had told me I was not eligible for the welcome offer when I opened the account. BUT IT'S NOT TRUE. I was NEVER told I was not eligible when I submitted my application. I requested them to provide any proof to support their reasonings, and they have not been able to do so. 

2. I asked them why I was not eligible, and they told me because I had already got an American Express Gold card. They also said the current terms stay the same that if you are a current customer, they can not provide the rewards points. IT'S NOT TRUE EITHER. The current terms say you are not eligible if and only if you hold the exactly same card ( In this case, the Amex XXXX XXXX card ) in the past. I never hold an Amex XXXX XXXX card before. 

3. I called Amex again in XXXX and filed a new request for investigation, and the case # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent. 

We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we. 

Two months later this is still not resolved. 

We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund. 

We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us. 

Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened. 

I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level. 

I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates. 

I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold. 

I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault. 

I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers. 

They do not deserve to do business in California, nor elsewhere in the United States. 

I am filling this complaint but also taking legal actions towards the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We keep getting phone calls from someone who says they are from Bank of America and wanting to talk to us about our property. We are n't late on payments so there is no reason for her to keep calling! I have asked her 3 times to NOT CALL, that there is nothing I need to discuss about our property. She calls as early as XXXX, we have people sleeping here at that time. I asked for her manager and she claims she could n't find her phone number. I need this to stop. I have searched her number and found her home address, etc. Her name is XXXX XXXX ( she claims it 's XXXX ) from XXXX XXXX, Ca XXXX XXXX XXXX XXXX Phone number she calls from which is her own is ( XXXX ) XXXX. We do n't know why she is calling, she wo n't say unless we confirm information which I REFUSE to do because I know her call is not legit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-28
Company: Recovco Mortgage Management, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I started the refinace on my primary home with sprout mortgage on mid XX/XX/2020. After many emails to correct many mistakes, they closed in mid XX/XX/2020. Now they fails to transfer the loan to the servicer and they do not answer calls and if they answer they hang up if you just discuss the mistakes they make. They blame others for their mistakes like title company or escrow company just to get rid of your call. Never gave real help and their excuse that they are busy. If they can not serve new or existing customers, they should stop getting new customers or acting as lender for homestead and primary residence for citizens. 
My payment is due on the XXXX of XX/XX/2020 and until this moment they did not gave the loan to plants home lender.

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 2017-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Transunion and XXXX both have failed yo notify me of credit investigation results I requested. I have for months disputed accounts with no resolve other than comments being added yo my credit report that I was disputing certain accounts. Please ensure this is dual complaint both against transunion and XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have asked for this collection agency to validate this debt, they sent me a paper with a signature that is NOT MINE. I was not even living in XXXX on XXXX. This signature is fraudulent and forged. I am asking for them to IMMEDIATELY remove this collection from my credit bureaus which is negatively affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: IN
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 deleted 2 unverifiable and inaccurate accounts from my credit report and I sent XXXX and Equifax proof that XXXX could not verify the account so XXXX deleted the accounts. I sent a copy of the deletion for the 2 accounts but XXXX and Equifax ignored/neglected my letter and still claims to verify the accounts without the creditors actually verifying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Lending Club Corp
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have a court date for a loan that I did not pay from Lending Club. However, I am not sure that they can charge the 30.99 % annum interest rate in the State of Maryland. The loan came from XXXX XXXX which I later found is being sued in a Class Action Lawsuit. What can I do to fight this in court?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
Fraud accounts appearing 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 non-monetary relief
Consumer complaint received 2022-06-01
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 XXXX XXXX Bank Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXX Funding account XXXX XXXX XXXX dealer services account number XXXX All have violated my rights. 
1

5 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 explanation
Consumer complaint received 2020-12-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

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 2020-12-28
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Owcen Loan Servicing is demanding that I pay for their home insurance, although I have never been without insurance and have faxed them a copy of my policy as they demanded.

Company response to consumer: Closed with explanation