BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: AmeriCash Holding LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Credit Karma, LLC
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Checked credit score, they showed we have a home mortgage since 2012. 
This information is incorrect. We have no home mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX entered into a consumer credit transaction with CiG financial on XX/XX/2017. A consumer credit transaction in which violations and fraud was commited. CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violation pursuant to 15 usc 1611 and 15 usc 1640.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A Credit Card with XXXX showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to Midland Funding LLC and is now showing up on my credit report as both XXXX and Midland Funding LLC. The credit report is showing the last payment made to XXXX was back in XXXX of 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29
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: Their investigation did not fix an error on your report

Complaint:
I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, XXXX  and TransUnion. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.

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 2021-06-19
Company: SYNCHRONY FINANCIAL
State: ID
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/2021 My name is XXXX XXXX i was checking my credit report and this name company was listed on my report i called bout the lady said couldn't find any information or anything bout me on file not my phone number ss # address nothing..need to know what its bout or who tried to use my information

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 2016-02-02
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
Midland Credit Management of XXXX XXXX, California, falsely claims that I owe it money. I do not. Furthermore, it falsely claims that at some point I owed XXXX {$280.00}. I have not and do not owe this money to XXXX. ( Please note that an address in XXXX XXXX appears on Midland 's demand letter, while a XXXX XXXX address appears on a payment envelope they sent to me. See copies of each herewith attached. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all XXXX of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was refused a free annual copy of my credit report from Equifax. 

I was denied a mortgage loan from XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} Reason : Identity theft Please remove this from my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} Reason : Identity theft Please remove this from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reason : Identity theft Please remove this from 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 explanation
Consumer complaint received 2021-06-19
Company: Bread Financial Holdings, Inc.
State: PA
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 of 2020 late payments were due to phone calls not being taken after XXXX. They would leave me on hold for over a hour and disconnecting the call. Once I called back the system would say call back during normal operation times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
my husbands XXXX due to XXXX, and XXXX, he will not be able to work anymore, midland funding took over a credit debt back in 2008 and we went to court and midland funding told us not to worry about it because my huband id XXXX a cant work anymore I take care of my husband, XXXX hasput a judgement against my husband and this law firm XXXX hired by midland funding has told us they will not drop the matter, we have to move now. out of a home weve rented for 17 years and we cant rent another place to live with this judgement on my husbands credit report, we would really appericate any help in this matter. Thankyou And God Bless Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I remember in XXXX I had an emergency. I went to XXXX hospital. I passed 2 to 3 hours in the hospital. I had XXXX. I gave all medicaid papers. They made copies of them. After weeks, I received a bill amount of {$850.00}. I called them for explanation. They couldn't justify this amount. I called next Florida Department of Children and Family ( DCF ) who gave me the medicaid. They told me they already paid the hospital. You can investigate. After 2 or 3 months Florida medicaid ( XXXX ) sent me a letter asking me if I recognized that the hospital gave me this service at that time. Florida medicaid finished this letter to let me know they are trying to control fraud.I responded Florida medicaid yes I recognized this service and I take advantage of this opportunity to let them know that I received an other bill ( {$850.00} ) while DCF had already paid for the service the hospital gave me.I included the letter that they sent to me in the correspondence sending to Florida Medicaid. 
They sent after this account to the collections. XX/XX/XXXX collections account removed. 
2 weeks ago they sent to me a letter where they explained me that the account ( {$850.00} ), the debt, is sold to an other entity ( XX/XX/XXXX ). So, making a glance at my credit score today I see that it has been decreased at XXXX. ( Less 31 pts ). I am convinced that this decision is unfair. If you want to justify ; you can contact Department of Children and Family ( DCF ) for more information. The service was provided to me by the hospital on XX/XX/XXXX. I am sure you can retract it. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express XXXX preferred credit card offered me a promotional offer of {$150.00} statement credit on {$1000.00} in purchases posted in XXXX months. Also 6 % on supermarkets, 3 % on Gasoline, and 1 % on all other purchases. No where in that promo offer did it mention a {$75.00} annual fee. I even talked to a customer service rep when activating the card and specially asked if there was any hidden charges. She said NO. When my statement showed up with a {$75.00} annual fee I called customer service to complain. Long story but I eventually contacted the supervisor. I asked him when I was told about the annual fee. He actually said " after you applied for your card '' I told him if he did n't wave the annual fee I would cancel the card. That 's when I was threatened with the bad credit report threat. I asked if there was any way to cancel the card without hburting my credit : He said no. I was notified of the annual fee after I submitted that application. What kind of high handed business tactic was that. Please inform me of a way I can cancel my card after paying off the balances. I guess it would be smart to at least take the {$150.00} bucks offer before I cancel. Please let me know how to handle this. I have excellent credit and I dont want to take a hit on this. Real XXXX business I think.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: RFNA, LP
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 

1 Identity Theft REPUBLIC FINANCE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I refinanced my auto loan that I had with Chase. The Loan is with XXXX now. I submitted proof of the payoff but Chase will not show the loan as paid off on my credit report and continue to try to charge me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
American Express offered a XXXX card and required {$2000.00} spend in the first 3 months to receive XXXX bonus points. This bonus reward was confirmed by an associate and during that chat I specifically asked how much needs to be spent to receive the bonus points. He gave me a number and I spent enough to get the bonus. I waited for an extended period of time but no bonus was credited. When I contacted customer service they said {$3000.00} was required and I am not entitled to the bonus. I described the conversation with the first associate and they reviewed the transcript but no action was taken. I contacted customer service 3 more times but they only respond by saying it still being escalated. All this after the 2nd associate said it would be resolved within one week. Here we are 2 months later and it is still being investigated. I do not believe anything is being done internally and I am looking for outside assistance to persuade them to honor their commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency reporting {$2900.00} as Open Account, & under collection accts ( XXXX ) times on credit report along with Original debtor XXXX also reporting, {$1900.00} as charge off. This is reported XXXX on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: OH
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:
623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).

The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Elan Financial Services closed, I faxed a letter twice on XXXX/XXXX/16 and XXXX/XXXX/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in XX/XX/XXXX that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of {$180.00} posted to my checking account today. I gave the bank permission per my fax letter to contact me but now they are claiming I faxed in paperwork back in XX/XX/XXXX that states I cease and desist which I did not. I have a good customer but I ca n't get a straight answer from anyone, I have a copy of the faxed letter at home which I faxed twice. The account should have never been closed.

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 2015-08-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX I call XXXX XXXX XXXX and gave my name and insurance name, office person gave me an appointment for XXXX with XXXX.I was given a XXXX minute examination and a referral to another eye Dr., because XXXX claim I had XXXX. I went to the receptionist and she then handed me some paper 's with a different insurance name and she then inform me that they did not accept my insurance.I told her that, there has to be some mistake because I had waited one year and one month to be cover by my insurance and in order to be able to go home and call my insurance of this mistake I paid the bill of {$220.00}. Before I call my insurance I call the XXXX and told them that I had been refer to them by XXXX.I gave them my name and insurance name and they immediately told me that they did not accept my insurance. When I call my insurance and ask why had I been refuse, they then inform me that I went to a Dr. that was not cover by my insurance, and at the time of appointment receptionist should have told me this. I have been trying to resolve this problem for almost one year.American Express have open this dispute XXXX times and each time they claim that they will investigate, after all their so call investigation 's they sided with XXXX XXXX XXXX who XXXX XXXX is with, because they claim that I knew That I was out of NETWORK, when I went to them. My husband went to pick up my prescription 19 days later that they did not give me at the time of visit. I went to my medical Doctor to ask for a referral for eye examination. The Doctor fitted me with glasses and told me I do not have cataract 's. My husband wrote a direct letter to XXXX XXXX, which resulted 8 month 's from day of service, of her sending me on XXXX XXXX '' A Courtesy Discount '' check of XXXX XXXX dollar's.I do not believe that American Express stood by me and " Let Right Be Done, '' as XXXX, '' First Do No Harm '' I have paid American Express {$100.00} and I have a balance of {$120.00} plus interest of {$27.00}, that I feel that I do not owe. I do not intend to be like '' XXXX, I WILL FIGHT NO MORE FOREVER, '' as I WILL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/2021 I received a welcoming/confirmation letter from Huntington Bank stating an Checking/Savings account was opened in my name on XX/XX/2021. Along with the letter was a debit card. I never opened an account ( s ) with Huntington Bank, nor did I consent or give authorization to anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Wrong name on bank account, never have opened account at Bank of America and never had XXXX & XXXX

Company response to consumer: Closed with explanation