BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Gold Key Credit, inc Re : Account # XXXX This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$940.00}. 
By not replying in a timely manner to my initial letter also A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXSSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: EQUIFAX, INC.
State: AR
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:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX  XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TD BANK US HOLDING COMPANY
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:
These accounts has appeared on my credit report. I have never had any dealings with these companies. 

1. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine ( open date XX/XX/XXXX ) XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine ( open date XX/XX/XXXX ) TDTARGET Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had an alert on my locked credit report from XXXX XXXX XXXX on XX/XX/XXXX for a debt in arrears. I called XXXX XXXX XXXX. XXXX is from Cash Central in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from Cash Central. I have never received any communication from XXXX XXXX XXXX regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and my phone number is XXXX. 
On XX/XX/XXXX, I went to Chase Bank, located at XXXX XXXX XXXX, XXXX XXXX, NY to obtain a customer 's check for {$1.00}, XXXX from my account in which the funds were available. I received the check from one of the Tellers and noticed that the information that was given on the check was incorrect ; I then brought it to the Teller 's attention who then reissued another check with the correct information and amount. 
On the evening of XX/XX/2020, after reviewing my account, I noticed an unauthorized transaction. On the following day XX/XX/2020, I went to the Chase Bank at the address listed above and spoke to one of the representatives by the name of XXXX, who after reviewing the account, explained to me that the Bank had made a mistake by not debiting my account after issuing me the check. I also spoke with the Branch Manager who also confirmed and admitted that it was an error on the bank 's end. I was unaware of error on the bank had made since the check was given to me. 
I spoke to the branch manager who told me that, there is nothing that she could do to help me. As a customer, I feel helpless because this blunder made by the bank has left me with a negative of {$1100.00} and some change. This is affecting my rent because it is the end of the month and all my money is gone. I am very disappointed because the bank is not complying with regulatory rules like Regulation E and I feel as though they are taking advantage of their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-07
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:
In XXXX, I purchased a couch from a XXXX furniture store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank ( XXXX, Ohio ) received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} XXXX and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I filed a complaint with the XXXX XXXX XXXX XXXX XXXX Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX  - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. So since this dispute began I have been assessed another {$280.00} of interest on the original {$27.00} late fee. This is unconscionable. 

I paid the original purchase price, in full, in less than the twelve-month promotional period. Given that I have not been able to go into my office for more than a month and my income is down more than fifty percent, I do not intend to be extorted by a corrupt credit card company no matter how small the amount. Companies like Comenity Bank are making a horrible situation worse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX Select Portfolio acquired my loan. In XXXX I had to do a Loan Modification with them and when I did they tacked on additional over {$30000.00} to the rear of the loan. I know my ex husband wasn't that far behind in the mortgage on the home. Since then SPS hasn't brought the balance down on the mortgage on this home. I have spoken to several friends that had a modification on their homes and their mortgages have come down quite a bit. They are all very pleased with the way their modification has been handled. Thus my reason for filing this compliant against Select Portfolio and XXXX XXXX   XXXX XXXX. the owner of the account. So if this is a loan modification who established the rules on this loan, Select Portfolio or XXXX XXXX  XXXX XXXX? I have read many complaints against Select Portfolio from the XXXX XXXX XXXX and other government agencies, their practices towards consumers are unspeakable. Then if XXXX XXXX  XXXX XXXX allows this they should be reported on as well. My cousin XXXX has a loan modification and her mortgage company has lowered her balance some {$35000.00}. I have had a modification a lot longer than her 's, thus another reason why I am filing a complaint against both Select Portfolio and XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had to transfer money into my US Bank Account for a loan I amclosing with the Bank in XXXX 2015. 
I was charged a wire fee of {$16.00} for this on my checking accountand I have asked for this to be reversed. 
US Bank is refusing to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Cash advance

Complaint:
DISCOVER card member since XXXX. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year XXXX XXXX ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the letter. 
Unfortunately for us, we do not have the original account bill when/where the error first occurred. We believe it to be an encoding error that has cost us literally XXXX in interest charges. We have complained to Discover representatives on numerous occasions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to pen the envelope because it was like the XXXX time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$770.00}

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 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Credit Karma, LLC
State: MO
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:
Credit karma, said I was pre approved for a bunch of different loans. Ran a credit check even if it said no credit checked required this all happened XXXX and XXXX Now I have XXXX hard inquires a bunch of which are authorized and they refuse to do anything. I got denied for mortgage, credit card and other things I was pre approved for. It also dropped my credit XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is astonishing that these collection agencies and creditors will take advantage of Americans at the lowest point for some reason they feel that is the best time To falsely reporting on your credit bureau against consumers for instance portfolio recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX  which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX Card Services that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. 
This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. 
The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC

Company response to consumer: Closed with explanation