BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: ERC
State: NY
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 have sent letters to the company ( Enhanced Recovery Co ) as well as my credit reports but they said that it was verified to be mine. IT IS NOT!! I never opened this and also it is falsely reported since this account was reported a few years ago by XXXX XXXX XXXX for XXXX XXXX and was removed from my reports after I disputed in XXXX ( I submitted proof of removal ) now that XXXX XXXX was bought out this company is trying to say I owe this XXXX account- I do not. I NEVER opened either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On or about XX/XX/2023 I applied for a personal loan at One Main Financial online sending all my financial information ( pay stub from part-time job, social security retirement and pension ) I have had and account with XXXX Main in previous years and had no problem paying the account off. My projected income for the year is XXXX. The loan was for only XXXX dollars. The credit report had already been pulled, but when I asked about the loan on the XXXX I was told that I didnt have enough income to get the loan an that if I wanted the loan my wife would have to sign on the loan too. What I think is happening here is age discrimination not income. In the past this has not been a problem with me getting a personal loan on my own for over XXXX now its a problem and I want to know why. If a person is in good standing with a business, an that person can give you assurances through insurances on the loan received why not give that person the benefit because of past history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: CO
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:
This complaint encumbers XXXX, Experian, and XXXX. 
Date : XXXX - XXXX I need clarification on why creditors are able to receive updated consumer reports on their current customers. As the credit bureaus are behind and updating data from the creditors, this can be harmful to consumers. 

For example - XXXX XXXX has been my creditor for XXXX XXXX. They are able to access my credit file at any time. If I have not been behind on my paying all creditors, XXXX will reduced my credit line line due to the inquiries on the credit report up to and including increases on interest rates. The inquiries caused a credit score decrease and decreased my available credit. 

When the credit line was decreased, the credit line is closer to being maxed out which also had a negative impact on my XXXX  credit reports. The credit line is over extended and continues to be a domino effect as the other creditors follow suit. 

The XXXX  scores are designed to keep everyday consumers down. The XXXX  scores determines what subprime lending box the consumer will be put in, not include favorable terms for consumers.

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 2021-10-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I received my credit report and unauthorized use of my name they I have informed Equifax about

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was underpaid on my XXXX  store card payment by $XXXX which is issued by Comenity bank and when I realized the error I paid it and also inquired if they will accrue any fees or interest for a charge that was so small. I received a response advising since I was late that they have to charge me the late fee and since I requested a late fee reversal in the past that they will not grant another one. I feel that this is a form of predatory lending as now I owe express $XXXX   for a missed payment of only $XXXX

Please see a copy of the email I sent directly to them I also requested them to close the account which they also did not do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-31
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Did not receive the welcome bonus after qualified spending. Last time, American Express company said will contact me separately but still have n't received anything yet. 

Moreover, it seems has linked my bank account to other person 's Social Security Number. The Fico score is too high for me!! It 's not my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A credit card debt with XXXX I was making payments on till XX/XX/2019 and could not make any more due to slow work and co-signer, my mother, hasn't been well and not working anymore for long time now. I was offered by XXXX a {$4000.00} payoff last year but could not come up with it in time as i was given short deadline. Now to come up with over {$11000.00} with interest is too overwhelming. 

I am a XXXX XXXX XXXX and not been able to work much end of last year and. 
Due to the corona virus pandemic concern, all my students stop taking lessons from the last week of XX/XX/XXXX.  Soon after, most all business closed and they are not spending money and I do not therefore get paid in order to pay any debt. I could not even go to the studio where I teach and could get new students but its been closed too. 

You can verify that i have not been to the studio to work since XX/XX/XXXX by calling, assuming anyone even answers : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am by myself living with a roommate and together running out of money to even pay the basic utility minimums. Were trying to get help from my landlord to not pay rent for a while and local help for food donations etc.

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 2017-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sir or Madam, Something weird is happening, this week received a call from a woman from an unknown number asking me private information, I told her I would comfirm what ever is correct, however, would n't offer any information since i was victim of fraud before.   She was repeating im trying to protect you i said i will not offer information i was victim of fraud i can comfirm any correct information you have this was friday the  XXXX  Due to a trip that I am doing with my elderly mother (  XXXX  y ears old  ) I requested a limit increse on   XX/XX/XXXX   or  XX/XX/XXXX  in one of my accounts, they gladly provided withing  12  minutes and thanking me profusely for the 10 years of my loyalty to Citibank and my excellent payment history. they sent a text comfirming  Yesterday    XX/XX/XXXX   th saturtday, I went to my office and receiv ed 7 le tters without a logo stating that a "  executive  response unit ''  XXXX  had cancel   XXXX   of my credit cards account bussines and personal accounts even more confusing all letter stated my home address and delivered in my office mail box.   Had to research to find the last   XXXX   numbers of credit cards to locate account numbers after a night awake called the credit cards in question the response is " it was closed '' It seams very discordial when i have an average of  XXXX  on this accounts paid monthly in full and more with another card of that same institution also paid in full monthly.   in the morning of  XX/XX/XXXX  received and allert from   XXXX   XXXX   I will be leaving the country in 4 days on bussines trip.   Do n't personally think is proper, professional or fair to cancel my accounts without any notice or even email or phone call after increasing my limit and thanking me for my relationship with them.   To receive a letter dated the same day that that woman called me without a phone number or without a logo from which bank? seam to me that consideration respect and professionalism is unfortunatly going down the tubes I will forward this complaint to my senador  XXXX   XXXX  thanking you in advance  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 explanation
Consumer complaint received 2017-05-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On   XXXX   XXXX   XXXX     XXXX   XXXX    charged my debit card for  XXXX   XXXX   XXXX   for future publishing services to be completed by  XXXX   XXXX .   However, I was have n't communication issues in  XXXX  to  XXXX  when all communication stopped I requested my money to be returned in  XXXX ,  XXXX  and filed a compliant with the attorney general of Oklahoma.     I contacted chase bank in   XX/XX/XXXX /  XXXX   XXXX   XXXX   an d advised them that I never received the services that I paid for.   They denied my claim writing that they confirmed it was a good transaction. The transaction ( debit ) is not the claim. They are denying my claim without substantiating the validity of the claim. How can they do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken Loans charged a bogus attorney fee by calling the fee item as " Advances On Your Behalf ''. Actually Quicken Loans has never and ever notified me about the fee or had my agreement in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: CA
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:
It supposed to delete all negative credit

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 2021-10-30
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I've had people use my information to get a loan through Sally Mae which is now Navient since the government took over. This is XXXX and I've been trying to get this taken care of since XXXX with no luck. I've tied talking with Navient. I've done everything that they've asked me to. Each time that someone agrees to help me, the calls and letters stop for 1 1/2 to 2 years. Then they start back up again with someone else to talk to me who says that they have no knowledge of my previous conversations with someone else. I've talked to their fraud department. I've filed a report with my local law enforcement. like they asked me too. I've filled out their form that they sent me. That was mysteriously " lost '' with no record of it in their computer. They agreed to send me out another one to fill out and that never even arrived. Now I'm dealing with phone calls and letters again. In XXXX, they were sending me letters threatening to take me to court for defaulting on my loan which was done entirely online without me signing anything. I'm done trying to deal with them. I'm not going to talk to them on the phone. They'll have to take me to court to try to prove that I actually owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Man-Data Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a 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 2019-10-23
Company: Experian Information Solutions Inc.
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:
These accounts aren't mine that need to be removed.

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 2016-05-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I have sent the credit bureau 's letters asking them to verify the debt on my report. They have sent it back that everything is verified correctly. My credit report is still showing inaccuracies.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

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 2020-04-11
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I was issued a check for {$7500.00} from XXXX XXXX XXXX on XX/XX/2019 and the signatory was XXXX XXXX. 

The check of the Bank " branch banking and trust company '' and I was supposed to get the cash from the Account number " XXXX '', but I tried to get it cashed two times and both the times the check bounced. 

It was issued to me by XXXX XXXX who lives at " XXXX XXXX XXXX   XXXX VA XXXX '' This Bank 's customer service is not helping me out, and during this epidemic of Coronavirus I need this money on an urgent basis. I am attaching the copy of the check with this complain. I need justice and the money as soon as possible.

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 2020-04-13
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report recently and noticed inaccurate information pertaining to my credit report. It's showing a collection for XXXX XXXX  in the amount of a {$160.00} on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: FL
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 hav e 3 cur rent complaints with Equifax. First, they have blocked my credit file from me. I have tried pulling my Equifax report through Equifax  Credit Monitoring, i have  tried through  XXXX  and  XXXX , all for some reason are not able to get my credit report. As far as i know, it is illegal to block access to a consumer 's own credit report. Second, for some reason they decided to delete all the accounts from my credit file to which i am an authorized user. This was never requested and is clearly the credit bureau taking adverse action for their own convenience. Third, i sent them a request to invoke my rights under FCR A 605B to bloc k the reporting of fraudlent accounts. I sent them the FTC letter along with proof of identity and they also seem to have ignored this as well. Equifax has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCRA  605b which m andates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FC RA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provide d in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that  the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a   statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ). 
In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}. 
When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain.

Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused. 
After this, we saw the reviews about this bank, many people were trapped by them in this way or another. 
Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX. 
We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.

Company response to consumer: Closed with explanation