BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: Netspend Corporation
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have requested a copy of my statements for a closed account numerous times and they are sending out the wrong statements. The account is a closed Ace account and the crd no for this account ends in XXXX. I need XXXX and XXXX and that 's it and for unknown reason they are sending me different months and different years. I need them to be sent my email XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent letters to Equifax about XXXX XXXX XXXX hard inquiries date of XXXX/XXXX/2015 and XXXX/XXXX/2015, which I did not authorize and I never received a response. Neither have the inquiries been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter to Experian stating this was not my account mistaken identity and false credit reporting by Experian. It's already been closed but they are refusing to remove it from my credit report. XXXX is the company.

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 2019-12-22
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX My credit cards I use to have because of all of this my credit is bad I can't get anything. XXXX XXXX is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also Discover account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe XXXX XXXX XXXX. XXXX XXXX XXXX and something when I only had a credit limit of XXXX How do I owe XXXX? And Discover canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Old information reappears or never goes away

Complaint:
I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and Experian, XXXX, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX  XXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}

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 2021-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I contacted Bank of America edd prepaid card filed a dispute claim the dispute claim was honored and a permanent credit of XXXX something was applied to the card In the card was frozen for no explanation whatsoever I have contacted them multiple times as well as walked into the bank with 2 forms of identification and nothing They're now advising me to contact my sponsor but it has nothing to do with the sponsor it is Bank of America there is a federal lawsuit put against Bank of America there is a federal lawsuit put against Bank of America not to block or freeze cards which they have done to me I as well have not Received my card in the mail so there is a XXXX something dollar balance sitting on the account but I have no access to it or a debit 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 2017-08-16
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call repeatedly, multiple times a day including when I am at work. I have asked them not to call during the day. They also call at XXXX XXXX on Sundays and I understand they are only supposed to call between XXXX on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

1. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

2. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

3. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

4. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

5. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

6. This inquiry was not authorized! 
XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 
7. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

8. This inquiry was not authorized! 
Texas XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

9. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NV
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 sent letters to equifax disputing accounts that does not belong to me that have not did anything about it I sent letters in XXXX of 2022 as well as XX/XX/2022 and XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX yrs old and retired and my wife is XXXX yrs old and retired. 
We have lived in our home for XXXX years, raised our XXXX children here, and were enjoying relaxing in our declining years and playing with our precious grandchildren. 
In addition to this home and others we have owned during our working careers - we never missed any of our XXXX monthly payments for our various mortgages. 
In XXXX, XXXX American Home Mortgage Servicing , Inc. provided a loan modification giving us a new 40 year loan. 
In XXXX, XXXX Ocwen took over the loan. 
In XXXX, XXXX Ocwen added inspection fees to our monthly statementIn XXXX, XXXX Ocwen added more property inspection fees plus certified mail chargesIn XXXX, XXXX Ocwen added late payment fees and property valuation fees We disputed these adjustment to our contract and continued to provide the regular contract specified monthly payments. In XXXX, XXXX Ocwen Research Dept provided these details of our account from XXXX, XXXX through XXXX, XXXX : Property Valuation Fees - $ XXXXXXXXCertified Mail - $ XXXXXXXXLate Charge Fees - $ XXXXXXXXPrior Services Fees - $ XXXXXXXXProperty Inspection Fees - $ XXXXXXXXThroughout the ensuing months we have attempted to resolve this issue but Ocwen subjected us to these unkind tactics : - XXXX of phone calls ( at times up to XXXX per day ) - callers were from many countries outside the USA and never transferred our calls to a knowledgeable person at their US office. 
- callers would never have answers to our questions but insisted they needed payment- Ocwen issued additional charges for late payment penalty, property inspections, and other new charges not identified or explained. 
- Ocwen ruined our credit scores resulting in much higher interest rates when financing our purchases such as a new car. 
- Ocwen issued several " Default notices ''. 
- Ocwen has returned the last several of our loan payment checks in order to drive our amount past due up many XXXX of dollars. Seems this tactic was used to scare us and subsequently to justify foreclosure which was ominously mentioned in every letter- Now, last week, Ocwen has hired an attorney who has threatened foreclosure within 30 days. 

The stress caused by Ocwen over the past XXXX years XXXX. A XXXX, Ocwen 's harassment, lie 's, threats, failure to conduct business affairs in anything like fair treatment has brought my wife and I to a state of constant worry, fear, and total inability to either enjoy or even survive whatever days remain for us. 
I ask for your investigation of this company and hope you can bring us peace of mind by helping us to straighten out this situation and stop the foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My father, XXXX XXXX passed away a year ago in XXXX XXXX. My sister XXXX XXXX was his care taker and had guardianship over my fathers affairs both financial and medical. Banco Popular, where my father maintained his account has refused to release the remaining funds to my sister. What are our options? My sister is single and makes minimum wage and could use the funds to help to support herself and her children. Who can we contact? Please help!

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 2019-12-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX service plans at best buy cancelled finally XX/XX/XXXX and XX/XX/XXXX refunded to Citibank but Citibank says they don't really have credits and the refund can take 30 days from the time they are refunded from best buy to my credit card to get credited toward balance and I will need to pay them in order to avoid interest. This is unacceptable to expect me to pay on something that has been refunded already and it not there will be late fees and interest.

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 2016-10-19
Company: STERLING JEWELERS, INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company continues to act in bad faith. They said they would dispute the account and did not, in fact they reapplied it to my credit versus disputing. They said I would receive something in the mail I have not recieved anything. This company continues to provide false responses and reports to my credit without my knowledge and when I found out they reported without my knowledge I have suffered great finicial loses and opportunties that I can not rebound from. Keep sending the same information over and over, but it is all false resolutions. They are just telling the CFPB whatever they can versus assuming responsibilty for their actions. 
I should not have to provide them anything, since they have a supposed right to destroy American citizens credit and livlihood through the credit bureas they also have the ability to view them and see. Once again, false repsones. This is an agency that is making false results and continueing to operate in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are credit cards that was opened in my name I want to have removed my credit reports, this is fraud and I want them removed immediately from my reports I want XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX removed I did not authorize anyone to open these credit cards in my name and I want these removed asap, I dont appreciate this inconvenience, Im filing this to have these removed thank you.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I left the agency and I was paid my annual leave. They removed my leave then put it back on and issued me a leave and earnings statement that they charged my leave as taxable wages. The same amount issued to me as taxable wages was reported to the credit bureau as a charge off. It was not a charge off, it was issued to me as income which was reported as wages on my leave and earnings statement and federal/state taxes. I submitted a ticket to the agency The Ticket Number is XXXX. I also have a case file that was open ( case number 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 2016-11-28
Company: STATE FARM BANK, FSB
State: MO
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2016, I applied for a State Farm credit card that had 0 interest for the first 12 months. I was approved for a credit card with a XXXX limit. However, the card they sent me was actually had interest that was charged. I discovered this when I was a half hour late paying my bill because the on-line system did n't work for me. I had tried the previous month to pay my bill on-line, but there were issues with their website. I was told it was a browser issue on my end. I use XXXX and XXXX XXXX, the most popular browser with the most up to date version of XXXX. I called and paid my bill, but missed the XXXX eastern time deadline. I called and talked to customer service and said I was concerned that my 0 interest would be affected. I was told that no, there would be no affect. When I got my bill, it showed interest was being charged, and not just for that month, but all the way back to the start of the card. I transferred my balance to a new card and when I called State Farm to tell them to cancel the card and why, I told them I was upset because I was being charged interest for being all of 30 minutes late paying the bill, partly because their system was messed up. I was then told that the card was never a 0 % rate. There was a 0 % on balance transfers, but not on the card itself. I went back and looked at my original information that came with the card and sure enough, the card they sent me had interest charged. I know for a fact that I applied for a 0 % interest card for the first 12 months. What I applied for, and was approved for, was a 0 % interest for 12 months. This is not what they sent me or set my account up for. I should have been more observant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Old information reappears or never goes away

Complaint:
I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and XXXX, Equifax, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX XXXXXXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.

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 2021-12-16
Company: EQUIFAX, INC.
State: CT
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 disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Platinum Holdings Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The people at Premium Asset Recovery are haraasing me about a debt my husband had prior to me meeting him. They 've called and threatened to contact my employer and insulted me, saying I should pay my bills every once in a while. This was something prior to our marriage that I was n't even aware of. In fact, this debt they 're saying he has is from XXXX years ago, before I even turned XXXX!

Company response to consumer: Closed with explanation