BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: Financial Business and Consumer Solutions.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A  rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude.
I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different.
When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am disputing accounts with XXXX XXXX XXXX and XXXX XXXX because this account have been disputed before and have not been removed by Experian or XXXX, but XXXX XXXX has removed both accounts as od XX/XX/2020 from my credit report and it is by law that each credit bureau is suppose to report the same accurate information across all 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 2021-08-13
Company: Amsher Collection Services, Inc.
State: TN
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 began working with AmSher & XXXX XXXX in XXXX of this year in order to rectify a debt that erroneously appeared on my credit report prior to closing on a home. AmSher states that they were directed to collect this debt on behalf of XXXX XXXX. 

I have received documentation from XXXX stating that the issue has been rectified and my name is no longer attached to the account in question ( see attached letter ), however XXXX  and XXXX XXXX credit reports still show this debt in collections. AmSher says that they put in a request to have this account removed from my credit report on XX/XX/XXXX. 

I am asking that the credit reporting services & AmSher please remove this account and any record of it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern ; Under 15 US code 1681b-Permissible purposes of consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates.

I, XXXX : XXXX  never gave XXXX  any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached & copy of dispute letter domestic return receipt. 

I would like to paid for the default judgement this has affect my life for the worst. I like to receive a check of {$5000.00} for fraud, Defamation and pain and suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My husband already advised Comenity Bank that we were working with a debt consolidation company to resolve our debt and gave them our lawyers name and number. They have spoken with our lawyers but continue to call and harass us daily! Even on weekends and holidays! They call my job constantly and embarrass me and they call ALL of my family members. I dont even know how they got everybody 's number! I just want it to stop. I am developing anxiety from this and cant sleep at night due to the continuous harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this item was ordered by mistake due to the current promotion of that credit card company, with their rep that sent me to the wrong place to order their promo, it was cancelled immediately, the company still shipped the item when they were notified that this was not the correct item ordered and was refused, it was shipped anyways while I was out of state for three weeks and XXXX returned it to the company. I was credit for it but this very bad company shipped it again after I had moved from that location to another part of the state and never received it or knew about it till I saw it on my statement. After 6 or more months I was recharged on my credit card for this unwanted item, the credit card company charged me for that item I never received and when I notified them of this they removed the charge, during my going back in forth with this credit card company proving the proof that it was never received, it kept getting put back on my statement then I closed that account.. I had moved out of that part of the state I once again was recharge my credit card charged again I submitted proof of address change and that they did not have permission to and ship to any address where I did not reside the items were never used and when I inquired to XXXX I was informed that it was refused by the landlord and returned. 
I have gone round and round with the credit card company and with this less than honest company with no luck and now I have this person calling two or three times a day even when I told him it was not my debt, he uses his company phone his, personal and friends phones to harass me. I have retained all emails to and from the credit card company and the this corrupt company. there is also proof on american express 's internal site/emails on the credit card company s site showing they dismissed the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do n't have the original receipt but in either mid-XX/XX/XXXX/early-XX/XX/XXXX, I purchased a couch from XXXX on XXXX XXXX in XXXX, IL. I originally used my bank 's debit card, in-store, transaction went through smoothly. Less than a week later, the couch went on sale ( {$20.00} reduction ) and was told they would adjust the purchase to the sale price since it was just a couple of days between the purchase and the sale. On XX/XX/XXXX, I received a fraud alert from my bank requesting that I authorize a department store charge in the amount of {$910.00}. It seemed odd because I had already paid in-store approximately a month prior. I checked my account online and saw that XXXX made the charge in store, reversed it and then charged my card again on XX/XX/XXXX. I authorized my bank to approve the charge. However on XX/XX/XXXX,  XXXX again charged {$910.00} triggering my bank to send another fraud alert. At this point, I was annoyed with XXXX dipping in and out of my account ( for the 3rd time ). I attempted to contact XXXX to send them a check for the payment to settle this entire thing. After much back and forth with that, I sent them a check which took them nearly 3 months to process. Fast forward toXX/XX/XXXX, XXXX is again calling and emailing me saying that I owe them {$910.00} for the couch I purchased 2 years ago. I have the cancelled check from my bank but my experience with XXXX unprofessionalism, and horrible accounting processing has completely put an end to me ever dealing with them again. By the way, I was told when I paid the full amount by check, they would process and adjust the price and refund me the difference to reflect the sales price ... never happened.

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 2020-06-22
Company: The McHughes Law Firm, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was contacted by the State of XXXX  that the State of XXXX  has a hold on my driver 's license. ( XXXX  pulled my information this year and said I will lose my XXXX  State Drivers License because of this judgment in XXXX. I have not lived in XXXX  for 10 years. I called the state of XXXX  and they said they do not have the paperwork but there is a judgment against me and can not release or reinstate my drivers license until I pay this debt. I was told by the State of XXXX  to contact the Hughes Law Firm  with file # XXXX. I then call the law firm and spoke with XXXX XXXX ( XXXX ) they said they had my file and I needed to put down {$2500.00} and pay {$500.00} a month for the judgment. I then contacted XXXX with XXXX XXXX because I didn't have time to deal with it. XXXX requested the files from XXXX XXXX with the McHughes Law Firm  and he said he doesn't have the paperwork and she could get it from the courthouse. XXXX then asked if she could get a copy from them showing that Hughes Law Firm  is the representative on file for the judgment against me. XXXX XXXX stated they do not have any paperwork to give and I needed to pay the balance. 

To this date I have no documentation on this judgment and I've lived in XXXX  for 10 years and all of the sudden I have a judgment that no one can show me proof but want me to pay it to reinstate my license.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PORTFOLIO RECOVERY ASSOCIATES I disputed the debt via online portal and via written communication and requested validation of debt. The company did not provide full validation and continued to report the accounts on my credit file. This has caused financial hardship as a result of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX XXXX {$1000.00} ; XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX IN Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL 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 2021-02-18
Company: WELLS FARGO & COMPANY
State: NE
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2017-10-19
Company: Genesis Financial & Payment Systems Holdings, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I WAS DESPERATE AND GOT A ONLINE LOAN ON XXXX/XXXX/XXXX FOR {$250.00}. I PAY {$46.00} EVERY XXXX WEEKS. I WENT TO PAY OFF THE LOAN TODAY AND THEY STATE I STILL OWE ALMOST {$300.00} TO PAYOFF TODAY. AND MORE IF I DONT?!?!?! THEY ARE CHARGING ME {$12.00} FEE PLUS ALMOST {$900.00} IN INTREST! I WAS NOT TOLD THAT BY THE LADY WHO WENT OVER THE LOAN WITH ME. I MADE SURE TO ASK THAT I COULD PAY EXTRA ON PRINCIPAL AND WAS INFORMED I WOULD BE PAYING TOWARDS PRINCIPAL EACH PAYMENT, HOWEVER THAT WAS A BOLD FACED LIED. I FEEL THERE SHOULD BE A LAW AGAINST THIS. XXXX ABOUT TO GO ON UNPAID MATERNITY LEAVE AND CAN NOT PAY THIS LOAN WITH THAT KIND OF FEES

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Experian Information Solutions Inc.
State: LA
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:
It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I made a regular monthly payment in the amount of {$950.00} by check to XXXX XXXX in XXXX, Georgia for my XXXX mortgage payment. The payment was made on the due date of XX/XX/2021 and well before the late payment date of XX/XX/2021. 

On XX/XX/2021, I was reviewing my credit reports from XXXX, XXXX, and Equifax when I discovered that the mortgage account had been reported as having a 30 day late payment for the month of XXXX. I immediately called XXXX XXXX  and they told me that they were showing all my payments had been made on time and were current, and that someone from credit reporting would call me back that day. I got a call back but was told that I would need to email a copy of my credit report to XXXX XXXX to get the issue resolved. I emailed a copy and detailed what was happening. I also left a voicemail, which was not returned. 

After receiving no response from Ms. XXXX, I called her again, and again received no response. Customer service attempted to transfer me to XXXX XXXX, and I again was just transferred to voicemail. I have a receipt that shows the payment made on XX/XX/XXXX as well as an image of the cancelled check I used to pay. I need this late payment removed from my credit report and it seems that no one at the bank is responding. 

I have attached copies of my Equifax credit report and cancelled check used to make the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: SC
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 Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A week before my home was set to go for sale in XXXX Flagstar told me they wanted to help me, called me, and asked me to send documents showing what we had done to the house so far. ( I used my own money for repairs ) they kept holding me off until a day or two before the sale, Flagstar did request to cancel the sale and was denied but I was informed by the courthouse that Flagstar could cancel without permission but declined to do so. When Flagstar called me to work something out and continued to work to foreclose my home is unethical, to say the least. I consider this to be dual tracking and illegal, I have since turned over XXXX to Flagstar but they still are foreclosing on me due to XXXX in fees. again they acted as if this was something that we could work out, especially since the principal of the home has been paid for but now I am set for foreclosure sale tomorrow at XXXX XXXX  even though my home has been paid for and the only thing left is fees

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 2017-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.

Company response to consumer: Closed with explanation