BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: ONEMAIN FINANCE CORPORATION
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Re-submission due to company inaction For the previous several months, I've received dozens of e-mail and postal mail notifications of " pre-qualification '' for a loan from One Mail Financial ( " OMF '' ). After checking ( apparently censored ) reviews of OMF available at XXXX XXXX ( see attached screenshot,  XXXX ), I opted to apply for the minimum loan offered by OMF, {$1500.00}. I completed the application form, and agreed to allow OMF to pull my credit report, resulting in a " hard inquiry ''. I applied and was surprised to be offered a $ XXXX " secured '' loan in lieu of the {$1500.00} installment loan I applied for. I decided to dig a little deeper into reviews of this company and found 100s of complaints of this exact behavior ( see attached image XXXX  ). The story is the same each time ; the company lures prospective borrowers with promises of easy terms, then after capturing the applicant 's data, OMF offers completely different product. Now, I don't know if this would be considered a bait & switch scheme, but it's certainly misleading, damaging to applicants, and hopefully illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Other fee

Complaint:
In the summer of   XXXX    one  of my friends told me about a special offer  Barclay 's Bank of Delawa re was offering to  XXXX   XXXX  military fo r its Gold Card  credit card. I contacted  Barclays to inquire about the special offer and the woman I spoke with confirmed that Barclay 's  was waving the annual fee for all  XXXX   XXXX  military who qualified for the credit card. As part of the offer  Barclay 's  was also offering 0 % interest on the balance of a card. I applied for a card for me and another for my spouse. As part of the application, I sent a copy of my most recent  XXXX  to prove my  XXXX   XXXX  status. Within a couple of weeks, I was approved.     The welcome aboard letter assured me tha t Barclay 's  would continue to wave the annual fees and maintain 0 % interest on my account balance as long as I was on  XXXX   XXXX . However, earlier this month , Barclays sent  me a letter informing me that they would no longer wave the annual fees and I would have to pay the annual fee beginning in  XXXX . I immediately called  Barclays  and after some discussion with the customer service representative, closed my account because I did not want to pay the annual fee.     In hindsight, I should have immediately filed a complaint agains t Barclay 's for breach of contract and waited for resolution before closing the account. However, by refusing to wave the annual fee,  Barclay 's altered the agreement we had when I was approved for a credit 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 2021-04-20
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Collection Services at XXXX XXXX XXXX XXXX, MA XXXX was contacted for the third today on XXXX XXXX about a debt ( For XXXX XXXX XXXX XXXX ) that was paid in full on XX/XX/2021. I spoke with a collection agent explaining that the account with Collection service was paid in full and that XXXX is still showing a past due amount that was paid to collection services in full. I proceeded to explain that XXXX supervisor stated that XXXX needed Transmission Report and Account number fax to a number a XXXX claims department to resolve bill. Collection agent proceeded to state that her supervisor will email something to XXXX which was failed prior to being contacted today two other times. I ask for the collection agent to let me speak with her supervisor XXXX so I can explain the whole situation over again which I was told that something will be email to XXXX and I stated to XXXX that matters had yet to be resolved because this is my third time calling. I am being give the run around and I would like matters to resolved in a quickly matters cause as of right now XXXX have me with a passed due amount of {$490.00} that was paid in full to Credit Collection Services. I should have to stress about paying something that was taking care of. I would like someone to contact me at XXXX cell # is XXXX and may name is XXXX XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a debt to  XXXX  for {$45.00}. The debt was paid and never should have been reported to the credit bureaus by collection agency!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Twice a month since XX/XX/XXXX, I have ran into the issue of USAA holding so much of my funds that I keep having to make late payments and fees on top of it waiting on funds. None of my checks have bounced, so I don't understand the issue. Today I deposited 2 checks totalling {$2500.00}, and I can only access {$500.00}. I have XXXX XXXX blowing up my phone waiting to get paid, but I can't access the money to get money sent! This has gone excessive. I can not continue to have money placed on hold for so long that I keep owing more money to other places due to USAA! It is also RUINING my credit. I am not one fortunate enough to live with extra money. I live paycheck to paycheck with kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and found that my XXXX XXXX account which is financed by Comenity Bank has reported me as 30 days late on this account that I PAID OFF in XX/XX/2021. It appears that after I paid off the account, the company continued to charge interest unknown to me because I receive online statements. After paying off the account, I had no need to check any online statements. In addition, the company should not have continued to charge interest on a PAID OFF debt. I paid XXXX to satisfy my debt with them and haven't charged anything on my account in months. Due to the interest charges and late fees, the account now has a balance of {$43.00} and they are reporting me late. I have perfect credit with all other creditors and previously had perfect credit with them. They caused this problem with their tactic of still trying to collect interest. Also, I have several other accounts with this bank and one can clearly see how I pay on my accounts which are all in GOOD STANDING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021, I submitted a Identity theft report and haven't received any response from the credit bureaus. These accounts are hurting my ability to purchase a home

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 2022-05-01
Company: Experian Information Solutions 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:
15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-04-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2021-06-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX XXXX  says I was late on payments when over seas in war before internet was even like it is now. 
4. 5 hard inquireys. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX 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 2021-12-15
Company: Westlake Services, LLC
State: MS
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 went to XXXX XXXX XXXX XXXX XXXX to purchase a truck the truck turned out to be a faulty truck and I let the bank know this and so they canceled the deal and I returned them their truck. This has been over a month ago since the account has been paid off and closed but its still showing on my credit report and I would like it removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
State: PA
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:
XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my Equifax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: Preferred Collection and Management, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX  that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-05-01
Company: CCS Financial Services, Inc.
State: NJ
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:
CCS Collections has my debt listed on XXXX report, this amount of {$130.00} was paid with the intention of having this item removed from my report, but is still reporting to XXXX. When thjs account was paid, the company had promised to remove but they haven't.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has been almost 5 months since we first applied for a refinance mortgage loan with Bank of America. During the approximate past two months, Bank of America has mailed to us many new loan applications on another loan # XXXX, which we did NOT apply for. We have sent Bank of America six certified letters addressing this problem, but we have heard nothing from Bank of America. We have contacted by phone our loan officer who is XXXX XXXX XXXX, but she says that she is no longer our loan officer, and she can not help us with anything now. We have sent supervisor XXXX XXXX emails on these problems, but she refuses to reply and help. We signed our original loan # XXXX paperwork/documents on XXXX and mailed these by certified mail to Bank of America . In several of our certified letters, we asked for a copy of these loan documents, that we signed and mailed back to Bank of America, to be mailed to us, but Bank of America has refused to do this. Bank of America, with all of these new and different loan estimates/applications that they have mailed to us, are now trying to get us to pay about twice as much on the closing costs, compared to what we signed on XXXX. Bank of America refuses to reach out to us by phone and email now. They initiated a second title company which has caused us problems. They also refuse to send to us by mail, any notifications of outstanding document requirements on this original loan. Two other complaints ( XXXX and XXXX ) were filed on XXXX and XXXX with your agency on this matter. We have not heard anything from Bank of America on these two complaints.

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 2022-05-01
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 is missing that should be on the report

Complaint:
There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- Sent Letter XX/XX/2022 It is over 90Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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