BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: MoneyLion Inc.
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I had a loan with MoneyLion, I had forgotten about it. The company continues to withdraw a {$19.00} fee monthly and does not apply it to the loan and says I can not unsubscribe or close the account until the loan is paid. So my account monthly sees a withdraw of XXXX and I can not stop this because the loan is not paid. This has been going on for the last 3 years and during times when I was unemployed and had no means to pay.

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 2023-05-31
Company: The Outsource Group, Inc
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
REFERENCE XXXX I TALKED TO THEM AND THEY HUNG UP THE CALL I DO NOT OWE THIS OR KNOW WHAT THIS IS FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: KS
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:
In XX/XX/XXXX, I started receiving 'rejection ' letters from credit and auto loan companies. Since I hadn't applied for credit or auto loans for over 5 years, I knew Identity Theft was occuring. 

All three credit reporting bureaus were advised and each put a 'freeze ' on my account on XXXX XX/XX/XXXX. I also filed a police report with local law enforcement. 

XX/XX/XXXX, I was notified by my XXXX account they had slashed my {$21000.00} line of credit because of 'late payments ' and 'excessive inquiries '. Since I had ZERO late payments, I reviewed my credit report and found alarming information - my credit score had plummeted to 'Poor ', and there was an unfamiliar credit card account fraudulently opened XXXX XX/XX/XXXX. It had late payments, an out-of-state billing address and phone number. I contacted the credit card company and advised them of the fraud and they flagged it. I submitted a fraud report to the FTC and started the process of removing the fraudulent account from my credit reports, but ran into bureaucratic obstacles and the problem remains unresolved. Meanwhile, my other credit cards also reduced my available credit. 

This enabling of fraud at the expense of a once 'excellent ' credit rating is unacceptable! The fraudulent account must be removed from my report and my good credit rating reinstated.

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 2023-05-31
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Very maliciously and intentionally, Citibank SearsCard arranged to have a secure message notification sent to me at the beginning of the XXXX XXXX Holiday Weekend. The notification was sent shortly before XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The notification stated that it would expire on XXXX XXXX XX/XX/XXXX. First, it is unlikely that an employee created the message close to XXXX but someone in the corporate executive office purposely programmed the message only to be available during the national holiday period in RETALIATION for my previous complaints against Citibank SearsCard. Like so many other patriotic Americans, I celebrated and memorialized our dedicated veterans during XXXX XXXX, and, did not check my emails during this time. When I tried to access the secured message the day after XXXX XXXX it was gone. It is wrong for Citibank to allow only three days to access a message. Even more so restricting access only to a three-day national holiday. Even worse, is the anonymous, unnamed, cowardly employee retaliating against an XXXX who complains about Citibank.

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 2023-05-31
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint on XX/XX/10 and recieved a response from Amerisave, with wrong information and they also told me they were preparing to send my paperwork out that week and would receive them the next week and the beginning of the week. It is now mid week and i still have not received anything. So I called Amerisave to check the status and was told by the rep, there had been absolutley no update to my account. No paperwork had been prepared.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I signed up for a balance transfer and it took place as usual. I was charged the 5 % transfer fee, which I knew about, and each month was charged a monthly interest fee at my special rate of 2.99 %. I made the minimum payment each month before the due date. 
Last week I paid the balance, months prior to the end of the special rate. After the payment was processed I received another interest charge that was 4 times that of my monthly interest charge. When I called to ask what the charge was for I was told that it was because I was making partial payments. The representative first told me that the minimum payment was not really the minimum payment and that it was a partial payment. When I asked her to clarify she said that I was assessed the interest because I didnt pay enough, and then said that I did pay the minimum payment that was required but that didnt count the interest. She did not sound confident in her answers and when I asked to file a complaint she said she would transfer me and I was hung up on. 
I checked the statement and it said that the interest was due on a portion of my remaining balance and not the entire remaining balance. Either way, the interest charged was not something that I have ever seen before and Ive been doing balance transfers for 22 years. My credit score is above 700 and I dont have any missed payments on my report. There is no logical explanation for the charges other than computer error or predatory lending.

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 2022-11-30
Company: EQUIFAX, INC.
State: PA
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:
I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: MD
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:
Unauthorized Inquires on my credit report XXXX XXXX XXXX Bank ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX  ( Bank ) XX/XX/2022 XXXX, XXXX ( Bank ) XXXX XXXX, XXXX  XXXX ( Finance ) XX/XX/2022 2022

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 2023-05-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX Case : XXXX XX/XX/2023 To Whom It May Concern : This is in response to your letter dated XX/XX/2023. 

As stated prior, your public records are inaccurate. The addresses listed are not valid or on my credit file, and it appears XXXX XXXX XXXX, XXXX is not even a valid address to receive mail. Therefore I do not believe you have not had mail returned. 

I have repeatedly asked you to very your public record or else I will assume you can not prove this debt. And therefore, it should be removed. 

I would like a definition of public records and also verified with regards to my social security number and date of birth, both of which you do not list in your correspondence. 

I hear no thorough vetting on your online application, and anyone could have used your invalid public information. Further, my social security number has been compromised and I was the victim of identity theft, and have been attempting to rectify this for years. You were informed from CFPB and multiple FTC reports and police reports you choose to ignore. There were two other accounts that appeared from XXXX XXXX as well, which you did remove. None of the details were any different, so I dont know why you continue insist this one is valid. 

I was the above requests answered and the account removed from my credit file. 

Regards, XXXX 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 2023-05-31
Company: Harris & Harris, Ltd.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX XXXX XXXX. I was double billed {$6000.00} and {$4500.00} for the same test. This is fraud or an error just like 40 % of all medical billing. 
The total bill for a 20 minute test was {$10000.00}. My medical insurance company paid almost all of it. There should be no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: JPMORGAN CHASE & CO.
State: CO
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:
XX/XX/2023 XXXX rec 'd an email regarding Chase credit card application. I was already victim to XXXX this week. I notified Credit Bureau immediately and filed report and Chase. Apparently someone applied online for Southwest Credit Card in my name and it wasn't me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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: Investigation took more than 30 days

Complaint:
I sent letters out on XX/XX/XXXX to Transunion. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureau failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency XXXX, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-dday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, XXXX XXXX Apparently someone was trying to rent housing in XXXX  Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

XXXX other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

XXXX was a resident XXXX XX/XX/XXXX, the other was XX/XX/XXXX by the same company.

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 2023-05-31
Company: Zions Debt Holdings
State: KY
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:
ZIONS DEBT HOLDINGS, XXXX and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. ZION DEBT HOLDINGS XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the XXXX XXXX I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SEQUIUM ASSET SOLUTION account number XXXX has reported to Credit Bureaus a debt in the amount of XXXX XXXX XXXX XXXX and XXXX XXXX  as it states on my credit report, I did not receive any initial communication from Sequium Asset Solution, I do not know nor have any business with Sequium Asset Solution, Sequium Asset Solution failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Exeter Finance Corp.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted Exeter Finance to make a payment last year from a family members phone. They asked me for consent to auto dial I told them no. They asked for a phone number I told them I did not have a phone number at the time and was using a family members phone. This phone number does not belong to me. The agent proceeded to take the phone number from their caller ID and add it to my account despite me advising the phone does NOT belong to me. Fast forward to this year, they called my family member on XX/XX/2023. On this date, I again told them this phone does not belong to me and requested a cease and desist. The agent entered the request and transferred my call to another department. I asked the agent who answered my call if the notes indicate a cease and desist request on this phone number. She assured me that it does reflect that. I again explained that this particular phone number is not mine and to not call my family members on a phone number that I never gave them regarding my debt again. She assured me that request was submitted. On XX/XX/2023 at XXXX XXXX they called my family member regarding my debt again despite me never providing their phone number nor giving them permission to use it, and then requesting a cease and desist on the phone number. The company has a valid email address to contact me which is the best method of communication and they use it. They have no reason to call someone else regarding my debt. They can discuss that with me directly. My family member did not sign anything regarding this loan. The phone number my family member has was not even in service when I signed the loan, therefore it was never used as a reference. They had absolutely no permission to put that number on file for any reason. This has caused me undue stress as my family has no business in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have reached out to CCB/Ulta twice now over the last couple of months and they have just ignored me, even though with my mail app, i know they received the letters. In short, i am/was begging for mercy on ONE late payment, late last year due to an illness, on a card i use regularly. I have been on time ever since and i was before as well, and they ignored me and my family 's hardship without even a response. I thought better of CCB honestly. I know the credit bureaus will work will report WHATEVER CCB tells them to, even XXXX XXXX XXXX helped me out during this dire time with a goodwill correction. That is all i was asking for and they could not even respond. It was for a late payment in XXXX of 2022 and i was asking forgivness for just this ONE month, actually begging for it, and was ignored. They should have to respond and say that they will be generous or they wont be. I will attach my two letters that were not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
account is missing the Terms, the Actual Payment Amount, and the Date of Last Activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company advised me that I am not enough of a United States citizen to lend to. I am currently living in the continental states and because I have a Puerto Rico drivers license I was denied the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the pandemic, coming out of the 15 months forbearance plan, our original lender ( XXXX XXXX ) offered us a new loan modification plan with low interest rate. We've completed the TPP program and was going to move forward with the new mortgage rate / plan. However, the contract they sent us at the end had an error on it and we kept asking them to fix or explain. After months of going back and forth they finally admitted the mistake but rejected the modification application due to being behind on payments, which after the initial TPP was blocked by XXXX XXXX itself, while they were investigating the matter. 
At the end they suggested to re-apply and promised that the original offer would be honored. A few days later XXXX XXXX sold the mortgage to Selene, our new lender. 
Selene does not want to honor the terms originally offered by XXXX XXXX and to bring our account balance current and keep the original ( favorable ) mortgage rate, they want us to pay a one large payment of {$54000.00} or foreclose our home. We've been in this home since 2008 and have a XXXX XXXX XXXX daughter, so we can not afford to loose it. We've constantly asked them to give us a payment plan as we could pay some of the money back now, but have the flexibility to re-pay the balance. They reject all our offers and all this is happening because the previous lender made a mistake and did not follow up.

Company response to consumer: Closed with explanation