BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax  data breach, and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES XXXX, XXXX  AND EXPERIAN THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.

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 2015-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
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: Was not notified of investigation status or results

Complaint:
I sent a letter demanding the procedures used in determining my debt, and validating my debt, and dismissing my claim because they said it was computer generated and it wasn't really me making the claim when it was. I am exhausted from these immature tactics, and I demand that they stop making false claims in order to avoid doing what I asked which was to validate their claims about this debt being real. I feel like they're using stall tactics becausee they are out of compliance. I've sent in letters addressing this and I have not received a response yet, I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2015-04-30
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Late fee

Complaint:
This has to do with a TJ Maxx credit card account. I had made a purchase on the card, then paid my monthly bill, mailing it. The next time I got a bill ( today ) it did not reflect that had sent them a payment. So I immediately called customer service. I had to try XXXX times to get through on the phone, the system kept dropping me into a voicemail box. I then talked to XXXX different people- someone in customer service, then transferred to payments, then back to customer service, then to collections, then to customer service. Except for the last person, all of the representatives were telling me I could get XXXX ( XXXX ) late charges deducted from my bill, and this was the reason they were supposedly transferring me, but they seemed to have some kind of difficulties with their system, or their screen, or some other excuse- during XXXX interaction I heard laughing in the background when talking to the male customer service rep, after I stated I could not understand what he was saying due to his accent. 
I had already agreed to pay the bill, provided the late charges were deducted ( I had a {$120.00} balance and they had added {$75.00} in fees on top of that, so it amounted to XXXX of the total ). I was willing to pay the interest, but not the fees. I was told this would be done, and I asked to close my account. The minute they accepted my payment ( and no transaction number was given ), I was then told by the 'collections ' representative that they would only deduct XXXX fee, and that I still had {$35.00} showing on my account, which was a bait and switch. Most of the people I was talking to struggled to speak XXXX ... I then wanted to pay the bill in full because I felt these people were very dishonest- and they refused to take my payment for the remainder of the balance! The last representative was quite rude, told me my account was 'delinquent and already cancelled due to nonpayment ' which is not stated on my bill, and not stated by anyone else on the call to me. Also this company is charging a XXXX interest rate! How is that not usury? The company managing the TJMAXX credit account is XXXX Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Father does not have the XXXX to sign any loans. Was added as a cosigner to a loan with Quicken Loans. We ca n't get information from what 's going on. However, there is some sort of loan going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was open in my name without my consent. I am not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: GOLDMAN SACHS BANK USA
State: IL
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 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit balance on my Macy 's credit account. This credit balance is shown on my XXXX statement. The following month on my XXXX statement, it shows that Macy 's charged off my credit balance. The is a message on my XXXX statement that acknowledges my credit balance and that I have four months to use the credit on my account. 

I contacted Macy 's Customer Service and they informed me that they charged interest on my XXXX balance account, therefore taking my credit balance. This is not legal nor true according to my statements. I can provide my statements if needed to resolve this matter. 

Taking my credit balance in 30 days is wrong and I would like to rectify this matter and refund my money. 

Thanks.

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 2020-09-29
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital/XXXX, as well as, a collection agency by the name of XXXX XXXX XXXX XXXX XXXX. 

Comenity Capital has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but Comenity Capital kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed Comenity Capital {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to Comenity Capital in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What Comenity Capital has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both Comenity Capital, and XXXX XXXX XXXX can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want Comenity Capital Bank, and XXXX XXXX XXXX, to cease and desist from contacting me again, about their fraudulent debt. 

XXXX XXXX XXXX just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of Comenity Capital Bank without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 sent a letter to Capital One explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, Capital One sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: American Credit Resolution, Incorporated
State: IA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, requested documents from Fay servicing. Documents requested was copies of all modification XXXX, XXXX, XXXX, XXXX from XXXX XXXX attorney, and XXXX from XXXX XXXX attorney pertaining to XXXX XXXX XXXX XXXX Tennessee XXXX. Copies of all reaffirmation sign by the bankruptcy court XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Bread Financial Holdings, Inc.
State: PA
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:
Issue involves Comenity Capital Bank ( BJ 's XXXX XXXX card ). 

- XX/XX/XXXX bill received, {$120.00} with a payment due date : XXXX XX/XX/XXXX - XXXX XX/XX/XXXX : Paid bill in the amount of {$120.00}, paid it on time and in full. 
- Note : I am including a copy of the check ( less my PII ) for your inspection. 
- XXXX XX/XX/XXXX : Payment received by Comenity Capital Bank. Not late. However Comenity posted an incorrect amount to my account : {$120.00} ( not the full amount {$120.00} ). 

- XX/XX/XXXX bill : Reflected that I did not pay the full amount in XXXX and was being assessed an interest charge of {$2.00}. Payment due date : XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid bill in the amount of {$320.00} on time and in full. 
- XXXX XX/XX/XXXX payment received by Comenity Capital Bank. Not late. Amount credited to my account was correct : {$320.00}. 

- XX/XX/XXXX bill : Reflected that I paid the full amount in XXXX, was not late, but was again being assessed an additional interest charge, this time the additional amount was {$3.00}. Bill was due on XXXX XX/XX/XXXX. 
- XXXX XX/XX/XXXX : Paid {$150.00} ( from this bill ) and {$88.00} ( will be on the XXXX bill ) for a total of {$240.00}. Paid on time and in full. 

- XXXX XX/XX/XXXX : Called Comenity Capital Bank seeking a resolution to this issue, without success. They could not explain why the XXXX was not taken in XXXX or why I was assessed another interest charge in XXXX. I informed Comenity that I had a copy of the check in the amount of {$120.00}. They were not interested in seeing it. They offered to return the {$3.00}, but not the {$0.00} or the {$2.00}. 

How do I get Comenity Capital Bank to : - make me whole for their XXXX mistake, - back out the {$0.00} I attempted to pay them and - reimburse me for all the interest charges ( {$2.00} and {$3.00} )? 
How many months are they going to keep assessing additional interest charges for their mistake? 

- XXXX XX/XX/XXXX : Called BJs, XXXX, today to see if they could help, I was transferred to Comenity and then the call was then dropped. 

Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Bread Financial Holdings, Inc.
State: MA
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 contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter to XXXX XXXX explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, XXXX XXXX sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 noticed unauthorized inquiries on my report.  XXXX , Transunion did not do a proper investigation or provide me with any validation

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 2017-02-22
Company: Navient Solutions, LLC.
State: VA
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:
Hello, I 've now been out of Navient 's autopay system for two months. The reason I declined autopay was because, all my loans were lumped into one payment. I wanted individual loans so I could pay more than my minimum payment each month on certain loans. So after being harassed by Navient for wanting to change my loans ( all within my rights ), this was finally done back in XXXX. Furthermore, after I made my XXXX payment, 3 days in advance of due date. The first issue, after the payment was removed from my bank account and cleared. Navient had my account showing past due, I was receiving emails and messages related to my account being past due on the due date. All this was happening, while my bank account was already debited for my student loan account. After calling Navient, they removed the past due and apologized. Now we are in XXXX and I paid my bill 2 days before due date. The payment has now cleared my bank, however, now my Navient account is showing past due. How is this fair and legal? 

I have paid my bill on time and the money has been cleared from my bank account. However, navient has the criminal negligence to put my account past due. This is absurd. Additionally, I try to call and there is a 30 min wait time. I believe Navient is mad that I took my account out of Auto-pay and requested my loans not be grouped together, so I can pay off my loans faster. Please look into this matter. 

Thank you.

Company response to consumer: Closed with explanation