BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Credit Fresh Holdings Inc
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online to Credit Fresh loans. Living paycheck to paycheck. I had XXXX XXXX, off work momentarily. Loss 2 Brothers six months apart due to XXXX XXXX. I almost XXXX XXXXXX/XX/22, found out I have a XXXX XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX. I did respond to the company emails & calls. Currently XXXX per month payment plan. With the high cost of this economy & increased interest rates and astronomically increased payoff fees added. I will XXXX XXXX XXXX trying to pay it off! The increased high interest rates are unlawful. Future complaints may persist with the Texas attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: ProCollect, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

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 2022-06-29
Company: Grain Technology, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Two months ago ( XXXX XXXX ) I submitted a request to Grain 's support ( Ticket XXXX ) asking for helping changing my attached bank account as I was closing my XXXX XXXX account and did not want disruption in my Grain account relative to payments. No one ever got back to me on this ticket. In XX/XX/2022, I submitted a request to close the Grain account ( Ticket XXXX ). No one ever got back to me on this ticket.2 Weeks ago I submitted another ticket XXXX to close this account. A response was provided I needed to pay the balance ( {$360.00} ) in order to close the account. However I am not able to make a payment unless I connect to a new bank account which is not allowed online nor in app. It can only be accomplished by support tickets which remain ineffective. Today I see that I have been charged a late fee and additional interest due to missing the last payment. I have trying for over 2 months to pay this account in full. I want this late payment removed from all credit bureaus and I want to be able to pay the balance and close the account. I actually liked Grain. Its been very helpful in helping me build up my credit. However their customer service/support is inadequate. I very badly need to be able to pay this account off and close it and they are making this task impossible. I submitted 2 more tickets today ( XXXX and XXXX ) requesting assistance in linking to a new bank and closing this account. I will even mail in a cashier 's check. I just need to be able to close this account and it shouldn't take XXXX plus months to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I contacted Synchrony bank after my last payment in XX/XX/2022 and let them know I was having a hardship and would be late on payments until XX/XX/2022- I was informed that as long as I resumed payments by XX/XX/2022 my account would remain open. I was not offered hardship assistance. On XX/XX/2022 they closed the account with out notification which has now ruined my credit for the next 7 years and will prevent me from buying a car or a home.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: NC
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:
This is my 2nd endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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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 2022-07-28
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 was the date the fraud happened and when all of disputes were filed. I contacted my bank to file the dispute of {$350.00} and {$500.00} from me being scammed because I was selling stuff to get money which I dont have a lot of hence why Im selling stuff. A person wanted to use XXXX and I was later emailed by someone who was acting as XXXX and I sent the money not knowing that XXXX doesnt email customers. I filed a dispute with my bank but they said that it was my fault and they wont refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX ( XXXX XXXX ) : XXXX I Disputed this account, and nothing was sent to me to legally verify this account.

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 2022-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Covid hit and completely halted all of my income for 24 months. Until corporate leaders have people come to the office my leadership development firm was closed. It has started to trickle back. Select Home Mortgage has promised me since XXXX that just one more piece of info and we will do your modification. I have begged to make a payment, but they won't accept XXXX. On XXXX XXXX, the date of Select 's correspondence arrived after the holidays via us mail to my house on XX/XX/XXXX. After opening I tried making a trial offer on payments, however, the offer expired on XX/XX/XXXX the day before I got the notice. Select would not honor a payment and have weekly asked for new things to a point now they are asking the same questions or newer documents in which I have sent everything they have asked. It's just a game to steal my home on account of the epidemic. Every time I talk to them and get the specifications on what they need they tell me I am approved and will be notified in days only to get another request which I have already sent in. I asked for a modification and can make payments. I need help, please. XXXX XXXX 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 2023-09-05
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an email stating it was a balance statement regarding my American Express Serve prepaid credit card account. Since I had not opened an account I was curious. I checked out the email and went to Company website ( using separate browser tab, not through links provided ). I located " contact us '' info and called the hotline. 
After navigating the menu lists to reach a real person I related the fact that I had not opened said account. The first lady I talked to located that account using only my name and email address ( both of which were already in the email so I had no problem providing that info ), and sent me to the " fraud protection department ''. Once there the lady there again asked for my email. I provided it again. She then wanted me to provide the last four digits of my social security number and my home address, both of which I refused to give since I was reporting a fraudulent card and had not provided that information to start with. I then asked it she had information on where said card was being used, she said she did but could not answer any questions until I verified my identity. I responded " I didn't open this account so you shouldn't have any of my info anyway, I'm not providing that. '' At which point she hung up on me. Number called was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am XXXX that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-09-21
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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 2022-06-29
Company: EQUIFAX, INC.
State: RI
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 XXXX XXXX Account # XXXX, has violated my rights. 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I closed out my XXXX account to pay some of my past due mortgage. I mailed a check to freedom mortgage on XX/XX/XXXX. Freedom mortgage received the check on XX/XX/XXXX. I have the confirmation the check was delivered to Freedom mortgage 's XXXX XXXX XXXX The check cleared my account on XX/XX/XXXX. Freedom mortgage is refusing to post the XXXX dollars to my account. This is causing me mental anguish and emotional distress. I'm a veteran and I'm on the verge of losing my home because of the negligence of Freedom Mortgage. If this isn't corrected, I will take Freedom Mortgage to court.

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 2023-09-05
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts [ Wells Fargo and XXXX XXXX ]. After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.

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 2023-09-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX  XXXX  {$440.00} XXXX XXXX XXXX XXXX XXXX  {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection of {$650.00} on XX/XX/XXXX popped on to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The complaint is against CAPITAL ACCOUNTS. 
I received a letter from them about an unpaid bill, and right away I responded with a letter ( will be attached ), and disputed this collection for a couple reasons. I will be disputing this for several reasons, this bill was a malpractice job and I tried taking the doctor to court for malpractice. I doctor did not follow up to collect the money until I received a letter in XXXX, from a collection agency. Not to mention that this debt collection agency is doing unlawful collection, from a bill that was billed in XX/XX/XXXX. This bill by California law is uncollectable, it has been 8 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Advanced Resolution Services Inc.
State: TN
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:
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Was a co signer on that vehicle and they took this off of my mother 's credit report and still showing on mines!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I renewed my CD over the phone with Bank of America. 

They said I would get a CD receipt in the mail. 

None came. I went through several people - but never got the CD. 

Apparently the button on the computer they pressed no longer works and all said they could not print it themselves. 
I filed a complaint XXXX with you. 

XXXX XXXX called and said she could see the CD on her computer screen. She said she would print it and send it to me. 

But almost 2 weeks later I got nothing. I assumed she was going to print her screen and have it mailed to me. But now I think she used the same button that all the others used - resulting in nothing. 

Then I was surprised to see her response to you that she sent it and closed the complaint. 

I feel this complaint should remain open until I actually receive the CD. 

Something is wrong with the button they are pressing- it should be simple for whomever sees it on their screen to print the screen and place it in an envelope - should not take 2 weeks.

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 2022-06-29
Company: EQUIFAX, INC.
State: RI
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 XXXX Account XXXX XXXX, has violated my rights. 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Had an account with this company in XX/XX/XXXX account was charge off and closed. After the account being charged off and close they still report to the credit bureau as miss payments. You can not miss payments on a closed account. The company knows the law and they need to remove all late payment from the account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and not report a closed account to the credit bureau for late payment. I have contacted the company several times to stop but they continue to report late payments on a closed account. The account should be removed I never open the account on XXXX XXXX XXXX as they stated.

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 2023-09-05
Company: Collection Management Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this other debt collection that was {$90.00} on XXXX XXXX. I have documentation of proof that I paid it off. After that I did not receive any other debt collection since I thought it was already paid off and when I spoke to the debt collector which was XXXX XXXX XXXX on the phone he told me I dont owe anything. So why am I being charged again for a crazy amount of {$620.00}? This debt was from the hospital bill in 2019 and i never stopped paying it off through mall, I was giving $ XXXX  monthly however the hospital ( XXXX XXXX XXXX, I think they changed their name to that ) was not satisfied and took me to the debt collector. Keep in mind the hospital did not provided me any service.I couldnt contact the hospital because it got shut done during COVID. Keep in mind this debt took a toll on me personally, they ruined my credit score and whenever I dispute the case to the debt collectors and let them know that it was already paid. They responded by saying that its supposedly accurate and they did not responded about the other debt that I paid. I dont understand whats going on. They are truly being wrongful.

Company response to consumer: Closed with explanation