BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-17
Company: Check Security Associates, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I got a call from my father today. He has the same name as I do. I am a XXXX. He received harassing call from a company called Warner Asset XXXX. The agent, XXXX XXXX, shared sensitive information with my father about me and an alleged debt of mine that they ( she ) was trying to convince my father was his debt. 

XXXX XXXX asked my father to confirm his birthday and SS #. He would not give the information. When XXXX XXXX asked my father to confirm the birthday and ss # they have on file, he noticed that the birthday was mine. 

Subsequently, XXXX XXXX called my father 's supervisor and, according to him, divulged a lot of false personal information about him, along with some disparaging remarks about dishonesty. 

I have also received a few messages from this company that I have not returned due to the ominous and threatening nature of the message -- use of words like " case '', " judgement '' and more. 

I have no idea what this company is or what they might be trying to pull off here. I have student loans but they are all consolidated. I have also done some online research about Warner Asset Management. They do appear to have a problem with lots of other similar complaints. Their phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: AMERICAN EXPRESS COMPANY
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: Didn't receive advertised or promotional terms

Complaint:
Amex was offering a XXXX bonus points promo for spending {$4000.00} within the first XXXX months of having the AMEX gold card. I opened the card in early XXXX and met the spend limit by the end of XXXX. The points were supposed to be credited after meeting the spend. I never received them. I have contacted AMEX a XXXX XXXX times. Each time they say they're investigating, and tell me the investigation will take another XXXX weeks. They have told me there is a need for a new investigation every time I have contacted them and have continued the pattern for almost XXXX months. They have confirmed I should have received the points, but each time they tell me I will get them in XXXX weeks. I check back after XXXX weeks and they say " we don't know why you didn't get the points, we need to conduct an investigation that will take another XXXX weeks ''. This has occurred XXXX separate times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Lending Club Corp
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX payment was missed on its autodraft date and a retry payment was made before the 15 day grace period expired. Two bank statements and the trace number to prove this have been provided. I have spoken with possibly 20 people since XXXX all of whom have said they would escalate the issue, who said they see the problem because there was a change over in systems and my XXXX payment did not post appropriately to my account. The result has been constant rollover and over 4 months of phone calls. While the front line account reps have tried to help, each and every attempt at an escalation to a supervisor has failed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed from my 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 non-monetary relief
Consumer complaint received 2020-04-18
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I've had no money coming in since XX/XX/XXXX so I tried to get a mortgage payment forbearance for 3 months and my mortgage company M & T Bank will only defer me for 3 months and then they want all three payments at once The only way I could defer the three months to the back end of my mortgage is if I could file for a hardship and all the paperwork they need for that hardship most I can't get to because everything is shut down due to covid-19 so my hands are pretty much tied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
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:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]

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 2020-06-08
Company: EQUIFAX, INC.
State: CA
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 submitted dispute to Equifax, XXXX, and XXXX  on XX/XX/XXXX and have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. 

I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. 

I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. 

Can anything be done to help me get this repaired. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Bank of America Credit card for 25 years. On XX/XX/2020 I received an email from BAC stating they had closed my account for inactivity ( 5 months ) and a delinquency on my credit report. I received a letter today from BAC saying my XXXX XXXX score is XXXX but when I checked it is XXXX. I believe they closed the account because the interest rate was only 7.9 %. I have never in 25 years made a late payment. 
To add insult to injury I received an email today from Bank of America offering me a new credit card ... at a much higher interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Amos Financial LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Amos Financial LLC sent me an Affidavit in XX/XX/XXXX stating foreclosure on Dallas property that was filed in Illinois. Previously in XXXX I asked for verification of debt and never received it. I also never received an initial contact letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: MoneyLion Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Loan for {$500.00} that was taken out in XX/XX/2019 with a $ 480+ past due balance was paid off in full XXXX XXXX, 2019 before it was sent to a collection agency. The reporting on my credit report is incorrect. I keep disputing it as paid in full but this lender keeps stating what they have is correct, by which, it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2020 Bank of America charged me a {$12.00} fee to move funds from my savings account to my checking account. They moved {$18.00} from my savings to my checking account and charged me the above fee. There was no reason to do that though because I had {$23.00} in my checking account and no cleared charges made my account go below {$0.00}. 

I did speak to three different people ( two on XX/XX/2020 and one on XX/XX/2020 ) and it was the third one who issued a reversal of the {$12.00} charge.

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 2019-02-17
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Payments to loan are not being properly applied to interest and principal. There will be months were {$0.00} are applied to principal and after an entire year of payments the over all principal only went down {$200.00}. When I contacted the lender about ways reduce the interest the only offered a 0.25 % reduction for auto debits which I signed up for. The next month, the payment remained unchanged as the variable interest on the loan increased again to around 8.5 % I make regular payments to this loan and I just want to find a way to get out from underneath it quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
On or about XX/XX/2020 i submitted a consumer statement to experian to be added to my credit report no. XXXX despite repeated calls and emails experian refuses to add it to my 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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2016-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me

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 2020-01-04
Company: Synovus Bank
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a credit card account with First progress located in XXXX XXXX Tennessee. After 6 months I was not pleased with the service and closed my account. They sent me a letter stating that the account was closed however the account is still open and has an available credit of {$130.00} along with my past due amount of {$160.00}. I called the company to ask why I still have an available credit and they said because I still have a past due I will always have an available credit. I stated if the account was closed I should not have an available credit however just a past due balance. I later discovered that the account is still open but they titled it somehow someway as closed and it is not technically closed. The company did not want to speak with me nor did they want to show any resolve..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.

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 2022-01-22
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received my credit report and became aware that there are 9 fraudulent hard inquiries on my credit report. I did not apply for anything. There is no way possible I should have any hard inquires when the law states that they should only remain on a persons report for only 2 years, this inaccurate information is hindering my credit report. 

XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: EQUIFAX, INC.
State: NC
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:
There are many accounts and inquireies on my credit reports and i have reached out to creditors and credit bureaus with FTC reports and they are not responding to the letters i sent them and are causing many issues to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I opened a store card with Saks 5th Avenue on XX/XX/XXXX. When I opened the card it was at the store. The card was approved for a credit limit of XXXX  dollars. I purchased 2 things, and purchased one more thing in which the sales person had to call in to approve it, because it put me over my credit limit. On XX/XX/XXXX I got an alert from XXXX that Saks 5th Avenue reported my balance to XXXX, which dropped my credit 55 points. How is it reporting before I have even received a bill, and also reporting a balance on the first day of opening card. This balance Also reported to XXXX which dropped my score 83 points. I talked to two supervisors from saks 5th Avenue card services. The first one said that it wasnt reported from them because it hasnt been 30 days and the only thing that should be reporting is a inquiry. The second supervisor said that my closing date was XX/XX/XXXX. So why did it report my balance on XX/XX/XXXX. I never received a bill or a closing date. This has been detrimental to my credit report. Ive never had a credit card that has reported a balance before a bill has been generated or before the closing date.

Company response to consumer: Closed with explanation