BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card. 
On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store. 
Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date. 

On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts.

I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding. 
Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX. 

The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail. 

I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My XXXX Credit Report was accessed for XXXX Purposes by the Transunion reporting agency without my authorization and permissible purpose on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent correspondence to the responsible party on what my requests are.

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 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2018-05-07
Company: National Credit Systems,Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX XXXX, Experian, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any discover card you will automatically be denied. I have XXXX  hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or XXXX stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.

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 2021-06-01
Company: Thrivepoint Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a PACE assessment in which I entered into an agreement with the HERO program ( through Renovate America ) to fund the installation of solar panels at my home, the debt would be paid over 5 years as a property tax assessment, and the loan documents clearly stated that there is no prepayment penalty. The debt is currently being serviced by XXXX ( XXXX ) and I am unable to move forward with paying off the loan until I pay a {$50.00} fee to the company to generate the payoff amount. I inquired about it and they claim it is a 'document generation fee ' but if there is any fee that is required to be paid in order to pay off the loan, it is a prepayment penalty. Nowhere in the loan agreement does it mention any additional fees outside of the specific ones disclosed and rolled into the principal amount. I shared that information with XXXX, that they were in violation of the terms of the loan agreement, and asked them to waive the fee, and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached 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 explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX has a paid car loan on my report thats in collections by error, the car was paid in full before it was sent to colloection, after speaking with the bank itself who agrees that it should not be in collection, i filed several disputes explaining this is an error, they still says is verified, i never recieved anything showing proof its verified, There is no dollar amount to collect wich it clearly says on the account, Spoke to bank several times and they are certain that they have not recieved anything about this and agrees it should not be there and needs to be removed from all three beuros, nor has XXXX remove the past addresses from my personal information from my previous complaint, i need this account remove from all three beuros The accout XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: OH
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 don't have an account with XXXX XXXX. please delete from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
All these inquiries are fraudulent..I filled out for a loan and the inquiries came on my credit file

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 2022-10-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I mailed and or faxed off the attached documents OVER 14 days ago..YOU GUYS BY MISTAKE have claimed me starting it's the Social security office fault ( I went in and called that's false and they have no knowledge ) as DECEASED due to this and or prior I had unasked for : Holds, freezes, alerts, blocks etc set on my account. I am alive you can call XXXX to verify THEY CAN NOT GIVE ME DOCUMENTS TO BACK THIS BESIDES my non voided ID I sent to you and my Social card. If you still need more info or are confused about the issue YOUR COMPANY CAUSED contact MY lawyer whom has contacted you with no avail as late as XX/XX/2022 XXXX asap. I can not apply for anything and I'm in the process of purchasing a car and HOME, per every violation of anyone not being able to pull my ENTIRE credit report you will have to pay me so I was advised. I would prefer to settle this quickly and avoid court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: DISCOVER BANK
State: FL
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:
Been my credit card account and relationship with DISCOVER card since XXXX and having a cero balance with them, on XXXX they decided without a reason, as far as I know to lower my credit limit from {$22000.00} to {$10000.00} even thought I respect they decision on XXXX they closed my account and the reason that they give me was that I never reply to an email that they had send me ( to a not active email address ), they also say that they had contact me via phone and left voice mail when I don't have a voice mail set up on my phone. I have try numerous time to clarify this misunderstanding with DISCOVER without luck, even the two representatives understand the mistake and they had try to reopen the account back but the system doesn't allow it, one of the representative had told me on XXXX that I would have to re-apply again to re-open the account and since I know my credit history and relationship with DISCOVER was excellent I decided to re-apply and they denied my application. On XXXX XX/XX/2021 I was able to speak with a supervisor and she had told that she was going to check recordings from XXXX to find out If a voice mail was left on my number, If not that she was going to reopen the account for me again, she told me that she was going to call me back personally, I never here from her and after two weeks waiting from her phone call I decide to call myself to follow up and they told me that she had call me the same day and left a voice mail when I don't have voice mail set up in phone and she knows that. I was able to get transcripts from my phone company ( XXXX ) for the month of XXXX and XXXX to verify those phone calls from DISCOVER and there is NOT phone call on either month. As of today my credit history is in EXCELENT condition with a score XXXX and a credit cards limits of {$110000.00} with 14 different companies and my credit card use under 5 %, the only bad think I have in my credit history is a " closed account '' from DISCOVER, a " denial '' from DISCOVER and an " inquire '' also from DISCOVER. To me this is been a very traumatic experience that in the middle of the worst pandemic of he century this company its been giving me the running around damaging my credit history and misleading me without a reason, I feel that they are discriminating me since they having give me a reason for all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
feel I am being ignored by this company. my report has unauthorized accounts, never did I consent to these being applied for. Never did I have knowledge of them nor did I ever have access to any of these. However, Transunion is not removing them from my 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 2023-05-18
Company: United PanAm Financial Corp.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$580.00}

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 2022-06-12
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Park Hill Holdings
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for and apartment.I was not told that my credit will be pulled and besides that it doesnt matter about anything on my credit reportI was denied to fake n false information that this company providedThe living WOMAN..Not the public PERSON.Im not your fiction ALL CAPS ORGANIZATION that the STATE OF MICHIGAN CREATEDI come from GOD.So this fraudulent company has incorrect information on my report & refuse to send me the CREDIT REPORT.I am livid and disappointed in these CORPS.Meadowood apartments has no right to DENY me anythingDISCRIMINATION at its finest.I dealt with this company last summer and I sent them over documents showing that the criminal record was liesSo this XXXX corps once again REPORTING FALSE information so LIVING WOMAN THAT IS MY XXXX do move into areas that is nice.This company claims they dont make decisionsHowever they have FALSE INFORMATION ON MY REPORT AND SENDING IT TO THIRD PARTIES WITHOUT WRITTEN CONSENTBoth companies are in DIRECT VIOLATION OF MY PRIVACY AND his cause me some much stress do to DISCRIMINATIONTelling me that my CREDIT REPORT HAS ANY REASON FOR DENIAL.FRAUD and VIOLATING MY CIVIL RIGHTS AND PRIVATE RIGHTS as a SOVEREIGN WOMANNone of your CORPS GOVERN MEI govern myselfSo I am completely over the lies and FRAUD.And telling living women and MEN that we denied sue to a FAKE CREDIT REPORT SCANDALI want this company investigated due to fact they have FALSE INFORMATION ON MY REPORT.And when I asked for my report they denied it unless I give them my PRIVATE INFORMATION

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 2022-01-02
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021, I sent 2 payments to another CashApp user, one for {$300.00} and one for {$350.00}. The other user didn't follow thru with the agreement, and I further found out the entire situation was a fraudulent scam. I contacted Cashapp thru their app, as well as requested the money be refunded by the other user ( which is CashApps first resolution suggestion ) and never received anything back.

Company response to consumer: Closed with explanation