BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to request my credit report be frozen twice.

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 2017-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had a credit card account with Bank of America since XX/XX/XXXX. Over the last 14 years, I have been allowed to add and delete authorized users on my account, and have always understood by doing so that I was taking full responsibility of allowing them to use my card, and that I was fully responsible for any and all charges associated with use of my credit card. On XX/XX/XXXX, I went to get gas as usual using my Bank of America credit card, and it was declined. Thinking the machine was broken, I left and went to a different gas station. After my card being declined again, I called in and found out that my account had been reviewed and closed without any prior notice or explanation. While that was not expected, and I understand it is within their rights to do so, I have another issue. I had earned XXXX points as of XX/XX/XXXX. I have tried to cash them out at the .01/pt rate they normally offer, and am unable to do so online as I have always done. I called in and spoke with 2 different people at Bank of America, and neither could give me a reason as to why the points could n't be redeemed, only stated that they were lost due to the account being closed. These points were earned. Had I cashed them out on XX/XX/XXXX, they would have sent a check. This is unfair, and I wish to be compensated for {$1000.00}, which I earned using this card.

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 2020-02-17
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: Information belongs to someone else

Complaint:
XX/XX/2019 - A recent class action lawsuit accuses Capital One of forcing their customers to pay interest on ... affirm these common sense understandings, but Capital One 's actual practice does not. ... Capital One Bank ( USA ) NA, Case No.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Receivables Performance Management, LLC
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/2019 - A recent class action lawsuit accuses XXXX XXXX of forcing their customers to pay interest on ... affirm these common sense understandings, but XXXX XXXX 's actual practice does not. ... XXXX XXXX XXXX ( XXXX ) XXXX, Case No.

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 2022-02-03
Company: Tate and Kirlin Assoc
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor of this credit card debt was XXXX XXXX XXXX. The debt was charged off and sold to various debt collection agencies, most recently XXXX XXXX, who has outsourced the collection of this account to Tate & Kirlin Associates , Inc . I received a notice from Tate & Kirlin in XX/XX/2022 that stated the debt would be removed from my credit file by XXXX XXXX, their client, if I satisfied the debt in full for XXXX  I paid the XXXX} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed Tate & Kirlin for an update on receiving the debt satisfaction letter and asked when XXXX XXXX, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if XXXX XXXX  -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that XXXX XXXX could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for Tate & Kirlin, again, asking whether or not their client and the owner of this debt, XXXX XXXX, has or would receive notice that I had paid the debt in full directly to Tate & Kirlin. As of this complaint, no one has responded to my e-mails. I am concerned that Tate & Kirlin are a fraudulent organization who has collected my XXXX  and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Transunion are both showing information on my credit report that either 1 ) DO NOT BELONG TO ME or 2 ) DO NOT BELONG TO ME!! 

I have never gotten a pay day loan and they have one on here with NO date of when it was opened or any information and also a school loan that was taken out or opened in 1996 which I was NOT in school at that time and the information is 25 YEARS OLD!! 

Remove it now or I will report XXXX and Transunion to the Ombudsman and the OIG!

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 2022-08-27
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At XXXX XXXX on XX/XX/XXXX, received an attempt to collect a debt from XXXX XXXX XXXX. Explained that they have yet to send a validation letter and that this debt is under dispute. Please see attachments to letters/ emails to prior collection agency back on XX/XX/21 and email to XXXX XXXX I told XXXX to cease and desist collection activity as this is a disputed debt. Representative said they 'juts got the file ' I advised that they should return the file and mark it in dispute I can certainly afford the {$20.00}, its the principle of the matter. I also have a expetional credit history ( see picture ) which I guard against these type of issues I happen to work in the debt collections business, and it saddens me when players do not follow the correct steps. For the purposes of your investigation 1- Did XXXX XXXX purchase this debt from XXXX or from Sunrise Credit Services Inc XXXX 
2- Neither XXXX  nor Sunrise do a good job in complaint management handling as neither marked this account in dispute nor allowed it to continue 3- Sunrise, never responded in writing how I requested- and possibly failed to inform XXXX or worse sold the debt to 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 2017-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete XXXX XXXX from my report as it clearly is not mine and unverifiable upon request.

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 2020-02-17
Company: DISCOVER BANK
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a promotional balance transfer balance of < {$5000.00} on my discover card which has a 0 % interest until from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I made a {$59.00} purchase using the same card which appeared on XX/XX/XXXX statement with an interest of {$0.00}. My XX/XX/XXXX statement minimum payment was {$97.00} due on XX/XX/XXXX. I paid {$150.00} on XX/XX/XXXX with the expectation that {$97.00} will be applied towards the promotional balance and the rest ( {$60.00} ) will be used to satisfy the new purchase balance {$59.00} + {$0.00} interest. I think that is how the payments were applied. But I continue to see a {$0.00} interest on my statement and talked to Discover customer service and was told that they will continue to charge the interest until I pay off the promotional balance completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: EQUIFAX, INC.
State: CT
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$2000.00}, {$8900.00}, {$12000.00}, {$4000.00}, {$4500.00}, {$6100.00}, {$10000.00}, {$15000.00}, {$9100.00}, {$52.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNT- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-CLOSED ACCOUNTS- 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account.

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

-PERSONAL ACCOUNTS- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$9100.00} -This is not my account. 

-COLLECTION ACCOUNT- 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$52.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
After my first 2 years of paying for my loan, I went to make a payment and it doubled. When I called to find out what happened, I was told I 've been making interest only payments and that timeframe just expired. I was very unhappy to hear this because not only did I expire all the interest only options preventing me from using this in a future time of hardship, but it set a very unfair expectation on my budget that I then had to stress to Remanage suddenly. Oh, not to mention, this expectation was either set poorly or not at all from the beginning. In the desired resolution section, I elaborate on their forbarence process and how that works and some very concerning parts of that process where I feel this company takes advantage of its loan borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: NJ
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 noticed a few accounts on my report I do not recognize

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 2018-05-14
Company: Experian Information Solutions 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:
Experian has re-inserted accounts on my credit that were deleted. This is against the law. 
The following accounts need to be removed : 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 2018-05-07
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to deposit into my Santander account two checks that I received from my Home Insurance to cover storm damages to my house, so that I can have the house repaired. One check was for {$350.00}, and another was for {$8400.00}. Both checks were made out to myself and c/o XXXX my mortgage company. Both checks were endorsed in the same way by my mortgage company. The smaller check went through with no issues. After not seeing the {$8400.00} amount showing up on my account as a deposit after several days, I called Santander customer service to ask what the issue was. They claimed that due to the amount of the check, it was put on fraud hold. I went back to my bank in person on SaturdayXX/XX/XXXX, where they wanted me to fill out a fraud document, which I did, but they will still not tell me when they will deposit this money to my account and it is nowXX/XX/XXXX. They will not give me any information about when these funds will be available.

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 2022-08-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a letter from Midland Credit management regarding the account XXXX which claimed that I owed them {$11000.00} and thus far they have illegally taken XXXX The amount alone shows that interest rates in excess of the amount allowed by the SCRA and Military Lending Act have been applied. Further the denial and ostensible shrouding of the the perpetuated " law firm servicing '' is an unconscionable and illegal burden to put on a veteran of the untied states.. 

I state illegally, as all of the correspondence sent to me stated my account and seized payments had been turned over to a law firm for servicing. However the correspondence never identified said law firm, nor provided any way for my to request validation of the debt, make arrangements and make sure it is within legal collection timeframe. 

Further, as a veteran, they refused to provide me with a breakdown of the original debt and interest amounts, nor a legitimate avenue to procure the aforementioned. As shown in the attached payment statement from Midland Credit Management, This creditor has violated the SCRA, CFPB regulations and the Military Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C System Inc has a debt reporting on my credit report that does not belong to me. I 've requested that they remove this debt by sending a certified letter, in XXXX and then again in XXXX, as of today i have heard nothing from reporting creditor, but they 're leaving comments on my report. The debt in question was opened in XXXX/XXXX/XXXX for XXXX for a XXXX account that i know nothing about.

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 2017-08-30
Company: BTH Management
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For several months now XXXX XXXX have been calling me and threatening me about a payday loan they stated I received. I recently called back on XX/XX/XXXX to get information and amount due but when I ask for further explanation or a supervisor the representative refuses to do as I ask then has actually hung up on me several times and I called backXX/XX/XXXX now when I call back the representative blocked my number I get a recording. I found their website and found a compliance manager email address and emailed him about this situation. I tried to call back and the representative will answer then place me on hold and never come back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THE XXXXXXXX XXXX/CITIBANK has NO Permissible purposes to report or share my non public information with third parties compines or Permissible purposes to obtain my personal information, iv'e contacted this company about this fraudulent account that was open without my consent I've notified this company over and over about this identity theft account this company still contacting me and trying to collect on a charge off date I don't owe, I never open up this account or used goods, services from this company its a result of fraud, MY MAIL WAS FRAUDULENT TAKEN OVER ALSO MY PHONE WAS XXXX SWAP fraudsters took over my whole life I'm fighting to get my life back in order please help 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 2019-08-04
Company: LDF Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Per State if Georgia, this loan was done ILLEGALLY. You all did NOT inform me that ANY loans in Georgia are ILLEGAL. I have turned EVERYTHING over to the State of Georgia AND to the Attorney General. The state of Georgia has already sued you all once and will be doing it again. Here is ALL evidence to back my case. Any communication made to me WILL be forward to ALL attorneys involved. This is also a cease and desist order for any communications made. Any attempt made will be additional charges brought up and all phone calls are recorded as well as time/ date stamped. The State of Georgia has also assigned state and federal attorneys to represent me on this. From here on, all communication WILL be done between you, Loan At Last, and the State. No one is exempt and the state will also handle those false claims. A copy of this email has been saved and as well as sent to the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My XXXX year old XXXX  brother does not have a credit file. I have requested that he have a freeze placed on his social security number. They do not seem to understand or be able to do this but can sell a lock product. Does he have protection from XXXX?

Company response to consumer: Closed with explanation