BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I did on Macy 's chat account automatic payments before I left from USA because of my health.After I come back I check my account and find out that I have 4 late payments.They say that was probably a mistake on there part. I told them that I will pay them but I need some time at least a month, because I lost my job when I went to get help when I was sick and I really don't want my account to be closed because that will shorten my credit history and if they could remove some of my late payment fees .They agree to remove 2 and I paid them and they told me my account got current status now.What made me think everything is fine and fix. After, I found out when I called them, the following month to make my next on time payment that my credit card was closed onXX/XX/2019 without a notice, after 3 late payments.First off all it's redicilous that they didn't do automatic payment and I payed for that! And second .They closed me account after 3 months?? And now I have 4 late payments with account on time now but my score droped like crazy.Just because they don't do there job properly I try to ask them to reopen my account but they claiming they just don't do it.

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 2022-07-20
Company: DISCOVER BANK
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed a charge with my bank after a seller guaranteed a refund after they received confirmation that the items were returned. I sent the company proof that the items were returned and the company stopped communicating with me. The company sent me an email on XX/XX/2022 requesting that I cancel the dispute with my bank before they issued the refund. I refused to do so. The company has not made contact with me since then. I filed a dispute with my bank for this and the bank stated that the company did not give a time frame of when the refund would be issued so they rejected the dispute. I have provided documents to the bank providing proof of the guarantee from the company along with delivery tracking information. The bank is refusing to reopen the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: LTD Financial Services, L.P.
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 is the second complaint filed on this company and they still have not provided the information I sent in written request to them. After I filed the first complaint they blocked me from there companies main number and the ones they called me from and I still can not call the main 800 number and now they are calling me from a XXXX number before it was XXXX in California XXXX They are calling and when I answer hanging up to get me to call back and act as if I called them. I've sent in written request for them to provide me with the contract I had with the debt they say I owe and all they've sent was a half copy of a bill that looks to be photoshopped and is uneven on the paper. I filed the first complaint back in XXXX and have heard nothing from them until now and they are now harassing me with the hang up calls. They are now violating my rights as a consumer and this is getting out of hand

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 fell behind on my credit card bills because I was injured on the job on XX/XX/2017. I contacted the credit card to solve it, and they did n't offer any assistance. my account was closed and I contacted them again to arrange payment. They said, if I were to make payment and bring the account current, the account would be reopened. I made several payments, up to 700 dollars and I was told that the account is not going to be reopened. I submitted doctors note, status letters, workers compensation documents, earnings so they can review the case and was still denied. 

It is not fair that they lied and denied my request to open the account and they are reporting it negatively on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, I called XXXX to make 1 pymt ( XX/XX/XXXX ) today {$730.00} on acct # XXXX. Spoke to rep id # XXXX wanted to charge me additional fee of {$12.00} to make pymt. I advised never have been charged a FEE to pay in past months. I asked for free method of pymt, said I could pay online at no charge. In the meantime I called in to another Wells Fargo # XXXX, and made my other Wells Fargo payment over the phone FREE AT NO CHARGE! I asked the rep id # XXXX could she also take this payment, looked it up and said no you have to pay a FEE to make this payment? But I could go online. When I sign into online the message is : Your MORTGAGE ... XXXX is not currently eligible for online payments. ETC. So I call back AGAIN and spoke to rep id # XXXX, explained this is my 3RD CALL  attempting to make this payment and she took the payment with NO FEE. This company is making it impossible for me to pay without more FEES/bouncing place to place. Inconsistencies throughout the company. Are n't they being fined for over charging fees already? Unfair practices, one person charge fee other person is not. Discrimination Make you jump through hoops to pay.

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 2022-07-20
Company: Experian Information Solutions Inc.
State: TN
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 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 US 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 absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My first name is different than the one Portfolio Recovery is using in a wrongful collection action. Six years ago, on XX/XX/XXXX I sent Portfolio Recovery a letter stating that I had never had an account with XXXX XXXX, that I was not the debtor and ordered them to cease collection efforts.
Now, again, on XX/XX/XXXX Portfolio appears to be attempting to collect a false debt with XXXX XXXX again, and the same wrong name. And on XX/XX/XXXXthey followed up with a letter offering payment options, as if they were offering a layaway plan, instead of collecting from an innocent consumer. This wrongfulXX/XX/XXXXclaim is for {$690.00}. By the way they also make the absurd assertion that if I do n't go out of my own way to contact them within 30 days, then they 'll " assume the debt is valid. '' Why is it my responsibility to contact PRA because their sloppy collection efforts have threatened my credit record? I urge that the CFPB investigate PRA 's failure to comply with the standards of the FDCPA.
I will send them another " No, I am not the consumer you seek, it is n't me, I never had an account with that bank and stop your collection efforts '' letter, but I thought that the CFPB should know. It is unfortunate that consumers have to defend themselves against a company with such very low accuracy and verification standards.
BTW, they also came after me inXX/XX/XXXX for a debt with XXXX, another bank I 've never had an account with. They 'd purchased that alleged debt from another debt buyer, XXXX. Portfolio Recovery is a maddening company to deal with. How many consumers who are wrongly and falsely chased simply end up paying them to get them to go away?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two years ago while applying for an apartment I was denied, and was curious why, so I performed a credit check with credit karma, and found that someone had used my identity to purchase something through a company called LVNV funding. I disputed the debt with three of the credit companies and XXXX and XXXX removed the debt because they said they were unable to validate the debt and i then went and had my credit frozen, XXXX is refusing to remove the debt because they are claiming the debt was verified, but even when i request a debt verification letter they sent a document that had a wrong address and a signature that consisted of characters and numbers, I was confused and spoke with a credit counselor who informed me that this was a digital signature and is not a validation of debt. I then reached out to XXXX again and request their American office where a gentleman named XXXX said that as long as a company can give a name, address, and social they consider that validation, and he gave me your information, because he said that is the same information that is used when stealing an identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: NY
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 CREDIT BUREAU IS REPORT A CHILD SUPPORT DEROGATORY ACCOUNT. WHY IS NYS CHILD SUPPORT ENFORCEMENT ACCOUNT NUMBER XXXX REPORTING TO EXPERIAN CREDIT BUREAU. THIS TYPE OF ACCOUNT DID NOT STEM FROM A CREDIT TRANSACTION. NO CREDIT WAS EXTENDED SO HOW COULD THIS BE REPORTED TO THE CREDIT BUREAUS. 

THE XXXX SETTLEMENT AGREEMENT FROM 2015 : THE CR 'S SHALL PROHIBIT COLLECTION FURNSHES FROM REPORTING THE DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY ( INCLUDING, BUT NOT LIMITED TO, CERTAIN FINES, TICKETS, AND OTHER ASSESSMENTS ). 

THE CRA 'S SHALL IMPLEMENT A PROCESS DESIGNED TO REMOVED FROM THE CRA 'S RESPECT CREDIT REPORTING DATABASE ANY EXISTING DATA REPORTED BY COLLECTION FURNISHES RELATING TO THE COLLECTION OF DEBT THAT DID NOT ARISE FROM A CONTRACT OR AGREEMENT TO PAY. SUCH EFFORTS SHALL INCLUDE BUT ARE NOT LIMITED TO, SHARING BEST PRACTICES FOR KEYWORDS AND SCREENING PROCEDURES DESIGNED TO IDENTIFY DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY. 

PLEASE ASK EXPERIAN CRA 'S TO REPORT THE NYS CHILD ENFORCEMENT ACCOUNT TO DELETE THIS ACCOUNT. THIS ACCOUNT DID NOT RESULTS IN A CREDIT TRANSACTION NO CREDIT WAS EXTENDED.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
I HAD AN UNAUTHORIZED ACCOUNT ON MY TRANSUNION AND XXXX CREDIT REPORTS AND HAVE DISPUTED THIS BEFORE DUE TO FRAUDULENT ACTIONS, IM NOT SURE WHAT THE CREDIT REPORT AGENCIES PROBLEM IS BUT I AM DISPUTING XXXX  XXXX BANK ACCOUNT NUMBER XXXX TRANSUNION REMOVED THIS FRAUDULANT ACCOUNT BUT THEY DID NOT REMOVE THE COLLECTION AGENCY THAT THE CREDITOR USED AND FORWARDED TO, I AM REQUESTING SINCE XXXX  XXXX ACCOUNT WAS UNAUTHORIZED OBVIOUSLY, THAT XXXX XXXX XXXX XXXX XXXX BE REMOVED AND BLOCKED FROM MY TRANSUNION REPORT AND XXXX  REMOVE AND BLOCK XXXX  XXXX ACCOUNT XXXX BECAUSE THESE ACCOUNT WERE UNAUTHORIZED AND SHOULD HAVE NEVER BEEN OPEN IVE REQUESTED THIS BEFORE WITH TRANSUNION AND XXXX, THEY NEED TO STOP THERE STALL TACTICS BECAUSE NOTHING IS GOING TO CHANGE ABOUT IT..

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 2018-12-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I had 7 student loans that were paid in full on XX/XX/. XXXX XXXX XXXX sent an update to the credit bureaus to reflect that the account was paid in full. On Experian an additional piece of information was recorded. A " Failed to Pay '' was recorded forXX/XX/XXXX which was in error. I called the XXXX XXXX XXXX to ask them to fix the incorrectly reported item and they said they don't report payment history and that the error is with Experian. 

I called Experian and explained the issue and they created a dispute but to confirm balance and status and XXXX XXXX XXXX confirmed the info was accurate. Because Experian did not dispute the payment history it was not corrected. I wrote Experian a letter explaining again that I was disputing the payment history for XX/XX/XXXX Again they created a new dispute but only for balance and status and again XXXX XXXX XXXX confirmed. 

The issue is that a Failed to Pay was incorrectly recorded for XX/XX/. Experian is not disputing the correct information with the XXXX XXXX XXXX and so its not getting corrected. My score has already dropped over 60 points due to this error and I'm in the middle of escrow. I have copies of the letters and letter tracking that I mailed to both Experian and XXXX XXXX XXXX. I can't get either one to  correct the error.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

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 2022-07-20
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX XXXX XXXX ), account # # # # # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Avant Holding Company, Inc.
State: MS
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:
On XX/XX/XXXX, Avant sent me an email titled " Account Closure Pending '' which stipulated I must use the card within 60 days or the account would close. 

On XX/XX/XXXX, remembering this email, I paid a XXXX  bill at XXXX XXXX XXXX totalling {$160.00}. 

On XX/XX/XXXX, I paid the credit card off. 

Today, XX/XX/XXXX, Avant closed my account, despite the activity in XXXX that they lead me to believe would keep my account open. 

This comes at a terrible time for me. I have been working to restore my credit since my husband and I were forced to file bankruptcy in XXXX. I run a business now, and I am waiting on a new van to arrive, which I will need to finance. Closing an account is going to result in a lower score which could result in a lower interest rate at at the time of finance. Compounding this, I just paid off the previous van early by selling it, which is already going to negatively impact my score when reported. 

While the account closure at XXXX is not material to the issue with Avant, Avant has made the purchase of this van at this critical time that much harder and is likely to result in a higher interest rate. It would be different if I had ignored their email, but I did exactly what the company told me I must do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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: Account status incorrect

Complaint:
I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at 0XX/XX/XXXX - XX/XX/XXXX for both accounts.

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 2019-10-18
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Pa. The suv was sold to me for {$37000.00} with a ticket price of {$39000.00}. 
I put down {$26000.00} with a Certified check. 
Also put {$500.00} down on debit card and then {$520.00} personal check and another personal check {$2300.00} for all warranty and the The platinum coverage. 
I was then told I was finance with XXXX XXXX, but later found out I was financed with Westlake Financial. My loan was only supposed to be for {$13000.00} but was now {$17000.00}. I was very confused on everything an what just happened. So I just said I will just pay the car off sooner, Westlake Contacts me on XX/XX/XXXX and states I have not made a payment. I said I had and gave them Payment information. They then said my payment bounced. I have my bank statement saying it was clearly paid. I have all my payment proof information. They repossessed my car 4 times! With me making on time payments. I paid so much money and have been sending emails since XX/XX/XXXX trying to get my account fixed. They repossessed my car again and said I owe them {$21000.00} but will now sell me my suv back to me for the Original loan price of {$13000.00}. I then found out my Warranties were also in my loans that I paid cash for, as of XX/XX/XXXX Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Capital Link Management, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Capital Link Management employee XXXX XXXX has been contacting my wife cell and her place of employment. Leaves messages with threats. 1st call was on XX/XX/2019 and then XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation