BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-21
Company: Bread Financial Holdings, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called Comenity Bank to pay off my loan with XXXX on XX/XX/2022. Multiple times throughout this process, I was pitched " promotions '' and even told I could not pay off the loan at that time. Finally, the Customer Support Representative allowed me to pay off the full balance of the loan, after I threatened to complain, and was told the entire balance of the loan was removed -- that there would be no further charges. Fast forward to XX/XX/2022, and there are multiple interest and finance charges totaling {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-25
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom this may concern, 3 of my hard enquiries on my credit reporting should not be there. During this period I had health insurance with XXXX when I gave birth to my daughter in 2020. 
One of the collections was paid to the initial company by my insurance and 8 months later they retracted this payment which then they sent it to collections. The other 2 never applied my insurance. Ive been dealing with the insurance for the last 2 years and everyone I speak to tell me there shouldnt be an issue as I had insurance the whole time with no issues and can not understand why it was retracted But say now its been too long I may struggle to get them to pay. It should not be my responsibility to pay these it should be my insurance company and I can never get through to a person that can honestly help me out. Ive filed a complaint, escalated the problem and made a claim and they all get thrown out because it was 2 years ago. Please find attached the proof of insurance paying and then retracting payment saying it was terminated and is now my responsibility. The insurance tells me my coverage never needed so they should pay it. 
In regards to 2 other collections I was unaware that the hospital didnt apply my insurance. I called the hospital recently and they said they also escalated and will try and reach out to my insurance however because I no longer use them as my current insurance due to this problem they may face problems due to the time frame. In regards to the first they retracted the payment so many months later it was then late the insurance said to file an appeal. 
Please also find attached all proof on my credit report. 2 from us anestesia and 1 from advanced obgyn.m that my insurance is responsible for paying for. This situation has caused so much upset and stress over the years and unfortunately I can not purchase a home. 
Any help in this matter is so greatly appreciated. 
Kind regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Santander Consumer USA Holdings Inc.
State: TX
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 filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 and XX/XX/2021- Mr. Cooper reported a missed/late payment on my credit report. I have spoken with multiple different people at Nation Star Mr. Cooper. I also emailed them with emails and statements stating I made said payments. with that being said, they never corrected the issue. I am now trying to refinance my home loan and I am running into issues doing so, since there are missed/late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is an ongoing issue with " XXXX XXXX XXXX, XXXX ''. This company is continuing to report a debt that I did not create, to all three credit bureaus. A fraud report was sent to the FTC regarding this account as well. 

A " Capital One account, account # XXXX '' In addition, They are reporting and attempting to collect on another fraudulent debt regarding my deceased mother. My mother became deceased on XX/XX/2019 ( see exhibit 3 ). Exhibits 4a thru 4f shows the many letters that I and my family have continued to receive from this company, which is being addressed to my mother. 

A " Capital One account also, account # XXXX '' My mother never opened any credit card accounts since the mid XXXX 's and that account was an XXXX XXXX XXXX card. First and foremost my mother has never used a computer in her life ( which was the only way this account could have been established, there are no Capital One physical offices in our area ) and was in her late XXXX 's when she passed away. 

XXXX XXXX XXXX, XXXX do not have any ideal of the validity of the accounts they buy in bulk. This company 's business model is completely broken, most importantly, they're continuing to violate my rights under the Fair Debt Collection Practices Act and now they are violating my families rights and the legacy of my deceased mother. There's absolutely no legitimate information that could possibly connect my mother to opening any credit card accounts after the mid XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank/PayPal has and continues to charge us late fees and interest on Fraudulent charges that they have since resolved. However, the previous late charges and interest have not been credited and they continue to charge additional late fees and interest as they consider the account delinquent. We have tried several times to get this resolved but it does not appear they understand how their systems work. Should be simple math. We had a XXXX balance. Fraud was committed on the account. Fraud is resolved. No additional purchases as account was closed out. Account balance should be 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 monetary relief
Consumer complaint received 2022-06-23
Company: Experian Information Solutions 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 Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several calls and voicemails from Ace Cash. Today at XXXX XXXX I answered the phone from XXXX. The person simply asked for my name. I confirmed I was who she intended to call and she simply stated that I owed some debt without futher description of why of over {$1000.00} and asked how I would pay and to provide my credit card information over the phone. No further information was provided. I informed her that was not the case, that I thought this was a scam and hung up. I XXXX this Ace Cash and read that this is a frequent scam. I called the number back and was asked for a Case Number or to promptly provide my social security number. I informed the person who answered the phone that I am an attorney well versed in how debts should be collected ( I am in-house counsel for a bank ) and that I wanted more information to file a CFPB claim against Ace Cash and was promptly placed on hold and the line never picked up and a series of pre-recorded prompts read about call volume. Interesting, given there was zero time to pick up the call to speak with me initially. I have never taken out a loan with Ace Cash nor do I owe any debt to Ace Cash and this is clearly a scam. I appreciate your prompt attention to shutdown this scam. I get at least 2-3 calls per week from this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: BMW Financial Services NA, LLC
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:
In accordance with the Fair Credit Reporting Act, BMW Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 168b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Because of your inaccurate statement of my credit record, I am suffering damages including the inability to obtain credit. You have failed to comply with the law and must remove the items from my report immediately. If these late payments are not removed within 7 business days, I will have no choice but to report you to the Federal Trade Commission and advise them of your disregard for Consumer Protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: Experian Information Solutions Inc.
State: IN
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:
I have hard inquires on my credit that i didn't allow to be on my credit. XXXX XXXX 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 2022-06-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been a customer with chase for almost 10 years. I rarely have them refund fees or give them issues. Its been maybe 2 or 3 times in my close to 10 years with chase. I had a XXXX XXXX account since XXXX and never had any fees. I just recently started getting XXXX $ Fees ( 3 ). They pleaded that all they can reverse is 1 monthly service fee. This is absurd!! Ive been loyal and they wont reverse any more fees. We are in the middle of a pandemic its hard to stay afloat with these gas prices and Im currently a XXXX  XXXX. They cant help a loyal customer!? This is the worst experience Ive had. And to say the least I went to the bank and it was closed I shouldnt be punished with an extra XXXX $ because they were closed. 

1st fee : XX/XX/XXXX 2nd fee : XX/XX/XXXX 3rd fee : XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been XXXX in Hawaii since XX/XX/XXXX ; my birth certificate and social security card has been missing since about XXXX. I have become aware that my identity has been jeopardized and I want to inquire about the various acts of frauds against myself, XXXX XXXX XXXX XXXX XXXX have never even recieved one stimulus or any government assistance besides food stamps since XXXX. I have never recieved any unemployment. I have personally only opened two bank accounts, XXXX through XXXX XXXX and 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 2022-08-21
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I have been unable to access my American Express account for over 3 months due to a login issue where I can't get past the two factor authentication because they have the incorrect email listed ( which has been deactivated ). I have verified with them that I am the account owner and have shared the correct email address multiple times, but despite having called American Express every 10 days for over 2 months ( spending over 7 total hours on the phone ), the issue is still not resolved and I still can not access my account. I am unable to see my statements, current charges, manage my payments, activate offers, or interact with my account in any way. There could be fraudulent charges, and I don't have any way of seeing them. My account is on auto pay, and I'm unable to see what I'm paying for. They don't have any physical locations, so this online account is the only way I'm able to access any information related to my services. The last time I spoke to someone was on XX/XX/2022 and they said the issue would be resolved in the next few days. It is now XX/XX/XXXX and I still can't access my account. I have a ticket open with their digital team and they've confirmed it's a bug ( aka it is not my fault ) - a ticket is open with the ticket ID XXXX. I pay an annual fee of {$250.00} for this credit card. Can someone please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-21
Company: EQUIFAX, INC.
State: VA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions Inc.
State: AZ
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 DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP

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 2022-09-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 at or about XXXX XXXX, I submitted a CITIBANK " FLEX LOAN '' with the following terms on the " agree and Submit '' page, to wit : Loan Amount {$10000.00}, APR 5.99 %, Monthly payment {$200.00}, Number of Payments 60 - delivered to my XXXX  account. Any reasonable person reading this promotional offer would understand that to be tantamount to a loan payment for a car fixed for 60 months. Upon receipt of the first statement it was noticed that the first payment was {$260.00} adding interest of {$57.00}. When called, Citibank stated that this was not the case but that interest was added each month to the unpaid balance- NOT WHAT WAS REPRESENTED BY CITIBANK NOR WHAT WAS AGREED TO AND SUBMITTED. Citibank had the nerve to inform me that I could ( 1 ) cancel this loan and pay it back or ( 2 ) cancel the loan and go to the higher 23.49 % interest rate immediately. Both options are totally unworkable and may, down the road, force me into a XXXX XXXX situation. I used this so called LOAN to payoff other higher rate credit cards ( which can not be undone ) and thought I was getting a loan with fixed monthly payments rather than a disguised cash advance from a credit card company - have a bunch of those- but chose this approach to get a fixed loan for 60 months not a credit card whose outstanding balance goes down each month with a payment. If this is not Fraudulent Misrepresentation I do not know what would qualify for this type of misleading and predatory offers that do not disclose the interest payment is added to the {$200.00} payment as described herein. I am between a rock and a hard place and I need help.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXX XXXX XXXX XXXXXXXX XXXX PLEASE DELETE ASAP

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 2022-06-23
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX, US Dept of EDXXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe 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