BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-28
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Complaint is against Midland Funding and all of it 's affiliates. 
I disputed entry on my XXXX Credit Report regarding Midland and that they had opened an account under my name. Enclosed is the response I received from Midland along with it 's enclosures. The letter is addressed to XXXX XXXX XXXX and the enclosed judgment that Midland saught against me is for XXXX XXXX XXXX. Midland clearly has conflicting information in regards to whom owes this debt and did not spend allowable amount of time reviewing any documents to ensure that the correct individual is being pursued. I would like this information to be removed from all records pertaining to my identity as it is causing hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have had an account with Amex Serve since XX/XX/2016, My direct deposit has come in later and later every week for the past 4 weeks and I am paid every week Wednesday. I spoke with a representative on today who informed me that my direct deposit will not process to my account until after my pay date. I spoke with the supervisor XXXX and she nor the representative were able to provide a valid reason why my deposit would come in late. I request to speak with someone that was able to actually assist me and the supervisor XXXX informed me there is no one able to assist me. Now, I will have no gas to get to work this morning and I may be assessed a late fee on my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
According to XXXX through physical Verfication, verify original signed consumer contract- any and all accounts posted 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 2017-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These two collection accounts are not mines. I have disputed with the company and with the attorney general of XXXX. I also never received notification of this debt and by law I have a right to dispute once I have been notified of debt. 

XXXX Address : XXXX XXXX 2 XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX - XXXX XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX The two accounts below are the same and should be deleted. 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX .... 
XXXX Address : XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2015-07-25
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Allied International Credit Corp., (US)
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Allied International Credit Corp ( US ) dated XX/XX/XXXX that stated my account had been referred to their office for collection by XXXX, the creditor. The total balance due states {$280.00}. 

I have not purchased anything on XXXX since I believe XXXX? And the total amount was probably only about {$30.00}. This charge is invalid. My XXXX account shows I have no orders or owe any money. 

I will be notifying Allied International Credit Corp that I dispute the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a ring from XXXX in XXXX, UT, in XX/XX/XXXX, under the 60 month no interest plan through credit from XXXX Credit Card, which I was approved for. And was told that it would be about {$65.00} a month. My wife did not like it, so she found one that she liked that was cheaper. And we were told that even though it was cheaper, the price per month would be similar, or a little less on the 60 month plan. And that I would be notified by the credit card company in a few weeks. So, I get the bill from XXXX and it is for {$140.00} a month! So, I spoke with XXXX on or around XX/XX/XXXX from their customer service and he told me it was a mistake and they would see about getting it fixed, and to go ahead and pay the $ XXXX for the first month and they would work things out. So I had not heard back so I contacted them again today, XX/XX/XXXX about the issue today and they told me that since my ring purchase was less than {$3000.00}, that it could not fall under the plan. And that it fell under the 18 month plan. That is not what I was told by the store and that is not what XXXX from customer service told me. I spoke with XXXX from XXXX, and she said the only way to fix it through their legal dept. And they doubt that could happen. Basically, from my point of view I was sold something on a lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been denied to start gas service with XXXX XXXX Ohio. XXXX states that there is a freeze on my SSN by Experian. After contacting Experian SEVERAL times I am informed by Experian that there is NO FREEZE on my SSN. I have written, emailed, and called both Experian and XXXX to no avail. Response from XXXX is I can not start service with a freeze. Response from Experian is that I do not have a freeze. It is totally impossible to speak with a person at Experian. XXXX will not discuss anything further with me until the freeze is lifted. I have not received any responses to my letters or requests from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: Caliber Home Loans, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In a recent response from Caliber for case XXXX ( under the assistance section ) it was stated that it was unclear as to why I contended that Caliber has failed to offer me foreclosure alternatives. Since XXXX 2013 Caliber has only asked me if I had the information for XXXX, they have not demonstrated that they want to help me keep my home. I asked for a cease and desist because Caliber representatives were so nasty and rude. Please listen to previous conversations between me and Caliber that began in XXXX 2013. Even with the cease and desist, I call frequently and have spoken with at least XXXX different SINGLE point of contacts. Each person has a different message. As recently as XXXX XXXX I was told that the sheriff sale was scheduled for XXXX XXXX by XXXX different single point of contacts. On the same day, I called Caliber 's attorney XXXX XXXX. XXXX told me that I was misinformed and asked who told me that the sale was still on for XXXX XXXX. XXXX told me that he had documentation that there was no lien against my home and that the case was in loss mitigation and would not be in a sale on XXXX XXXX. Also, on XXXX XXXX, the Caliber contact stated that either I pay XXXX or lose my home in a sheriff 's sale on XXXX XXXX that was my only option. Only Caliber 's attorney was helpful and forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.

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 2016-11-03
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX collections totaling {$3600.00} on my credit report that do not belong to me. The collection agency is Thomas Agency and the hospital that the bills are coming out of is XXXX XXXX. I have contacted both the hospital and the collection agency in reference to these bills and to no avail. I called both 2-3 months prior to inquire as to what the bills were for exactly. The ailments the hospital said I had gone in for ( a XXXX, for example ) were something I had not gone to the hospital for. In fact, I have lived in XXXX, ME since 2011 and have not gone to this hospital as it is in XXXX, ME. I have never received letters or bills in regards to any of these collections - I just noticed them on my credit report one day. When I called the collection agency to have them send me an itemized bill, I verified my address and was told I would receive something in 7-10 days. 2-3 months later and I have still not received anything. I did an online search for their Web site and noticed a place to make a payment. I thought that if I clicked on " Make A Secure Payment '' I would be able to see what I owed or, at the very least, how much I owed. However, there is just a rough looking form for me to enter in my name and credit card information. This site does not seem trustworthy to me at all. I am very upset at the fact that I have disputed these collections once already and they were verified as being valid ( somehow ). I really need some relief at this point because my credit score is hurting for collections that do not and have never belonged to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Wallet containing debit card and telephone was stolen from a hotel room while on vacation on XX/XX/2016. Theft was reported to the banking institution on XX/XX/2016. Banking institution initially refunded the charges, I provided all information requested to fraud department. Banking institution was informed my PIN number was not written down anywhere or contained in my IPhone. Banking institution then informed they were reversing all credited charges on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.

Company response to consumer: Closed
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2016-12-01
Company: U.S. BANCORP
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
1 ) i applied for financing to USBank to help purchase a XXXX used XXXX for my son. I received a letter from USBank on XXXX XXXX, denying my application based upon the following information obtained from XXXX XXXX : credit score of XXXX. They then listed the factors which they claim adversely affected my credit score. In fact, my " Excellent '' credit score and disclosed income has allowed me to obtain credit over the years and recently in many multiples of the approximate XXXX i was attempting to finance. There must be other insidious factors at play. 
2 ) An apology and an explanation for the denial other than " Your credit score : XXXX ... '' 3 ) You have asked that i not include personal information. i can be contacted at XXXXXXXXXXXX 4 ) XXXX ( XXXX ) purchased from XXXX XXXX, XXXX, Illinois

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 2016-06-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I used to have a chase bank account and recently switched to a credit union. I was always able to make my credit card payments through an internal transfer within Chase 's website. However, since I switched I had to call and pay the bill via telephone. I did it with the pay by phone option. I entered my new routing number and account number, as well as the amount and the date I wanted it processed. After I submitted what I thought was the 'payment ' a long message came on that would typically occur at the end of a credit card payment submission. It gave me no options to continue or not to continue so I hung up thinking the credit card was paid. Once I saw that it never left my new checking account I looked on my credit card statement and saw that a late fee was incurred. I called customer service and they refused to waive it because they have waived one in the past ( note this was not a recent waiver ). I typically am very good with paying this bill as it was very convenient for me to do it from my Chase bank account to my credit card. I feel this long message that was put in the middle of the call is an intentional way to the deceit the customer into thinking the credit card payment was submitted when in fact it was not. That is intentional misrepresentation and fraud in my opinion. I want this resolved as I honestly thought this credit card bill was paid. I want my {$25.00} back due to chases negligence. Why would someone who paid their bill notice a day later if they intentionally decided to not pay it? Typically when someone does n't want to pay a credit card bill it goes on much longer than a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have repeatedly disputed credit report information to Experian regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX XXXX and XXXX from XXXX XXXX XXXX Acct ( XXXX ). I received XXXX Cancellation of Debt forms in XXXX from XXXX as well as XXXX from XXXX in XXXX ( see attached ). These are specifically marked that the debts were discharged/forgiven and have supplied these to them disputing the reporting of them having currently delinquent open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I have provided to them in prior disputes, they updated the items correctly. Unfortunately Experian reverted back to reporting it incorrectly as originally disputed and resolved. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances. Please help me get this corrected permanently. 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 non-monetary relief
Consumer complaint received 2016-02-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up for what I thought was a {$1.00} credit report with Experian ( XXXX ). I was then charged {$24.00} for a credit monitoring service. I called the Experian and cancelled my " membership '' but they would n't return my funds. Unfortunately, I did n't see the fine print but this company is taking advantage of people. I would like my money back since I feel like I was taken advantage of.

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 monetary relief
Consumer complaint received 2016-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio recovery associates.is reporting an old debt that is too old to collect and show on credit report. The original debt was from XX/XX/XXXX originally delinquent XX/XX/XXXX and written off by the origin creditor, XXXX, XX/XX/XXXX. Portfolio Recovery is now showing an open date of XXXX XXXX with recent derogatory marks on my credit report. This is an old debt and should no longer be reported. I did contact the original creditor and they confirmed the dates and the fact that the debt is too old to report on credit report.i have made several attempts to dispute this with credit reporting agencies but nothing has worked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank, Union bank has changed several policy 's without notice or consent regarding Electronic funds deposits and normal business deposits ie : Saturday availability no longer exists, placing a 2 business day hold on all EFT deposits therefore limiting banking days to 4 per week. Union bank has also without consent and specifically against my written instructions to opt out of overdraft products re-enrolled me without notice or signature expressing my wishes to participate in this product. I have been charged hundreds of dollars for services I do not want, and the bank is violating it 's fiduciary duty by hiding deposit monies or making funds not available to me as an account holder for excess periods of time with the intent of generating " fees ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The US Bank have FAILED to respond my complaint filed on XXXX/XXXX/2015 within a reasonable time having all the financial record 's information on their files about my checking account 's overdraft coverage terminated without notice and the 400 minutes telephone calls recorded by the Bank which are sufficient information for the US Bank to respond to the Consumer Financial Protection Agency. Additionally, the US Bank 's Customer Survey of my call made on XXXX/XXXX/2015 which the US Bank offered the choice to have their customer service representative to call me back to present an apology for the abusive manner she exercise against me demanding immediate payment was not done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I XX/XX/XXXX I applied for a refi. for my home through US Bank in XXXX XXXX, MO. Despite a XXXX credit score at the time and having purchased the home in XX/XX/XXXX and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until XXXX. I feel I was discriminated against due to my being XXXX XXXX, it is hard to imagine the loaon process for all their customers would be so long and punitive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief