BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit 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/23 : received email from Avenue.com that my return was received and refund would be credited to my Avenue credit card ( Comenity Bank ) within 5-7 days. 

date unsure, but before XX/XX/23 : contacted Avenue.com because my refund was not showing on my CC statement and was directed to Comenity customer service XX/XX/23 : sent secure message through Comenity site that my refund was not showing on the card. Included this information : Refund initiation date : XXXX XXXX Reference Number : XXXX Order number : XXXX Grand Total {$120.00} XX/XX/23 : secure message reply received on Comenity site that XXXX XXXX would submit dispute on my behalf XX/XX/23 : received letter via USPS mail that Comenity could not verify a return made on my account despite providing them with reference details. I sent secure message via Comenity site asking for an email address to send copy of return receipt. Could not upload any files through the site as there was a " system error '' ( which is still happening today, XX/XX/23 ). 

XX/XX/23 : placed phone call to Comenity and the automated system does not allow you to speak to anyone about disputes or even select that option. Spoke to someone in a different department and they referred me back to Avenue.com. 

XX/XX/23 : received reply via secure message with instructions of how to upload attachments -- which doesn't work due to the system error. Also told there is no email address and I have to mail in my evidence. 

XX/XX/23 : spoke with Avenue.com customer service rep XXXX via chat. She confirmed that there is a return on my Avenue account and asked for my credit card statement to prove it didn't get credited to my CC account. Sent evidence via email. XXXX said she would escalate my issue and contact me via email with a response, within 3-5 days. 

XX/XX/23 : No update received as of yet, even though it's been more than 5 days. Spoke with Avenue.com customer service rep XXXX who was able to see my previous chat history. XXXX explained that my issue had been escalated and that the team is in XXXX, so that's why there is a delay in how long they take to respond. That makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office.

I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXXXXXX XXXX XXXXXXXX NEVER LATE.

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 2023-03-31
Company: VW Credit
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my lease around XXXX XXXX and submitted all the paperwork at the XXXX XXXX Audi dealership in XXXX, GA along with the check for the payoff amount. Till date ( today is XX/XX/XXXX ), they have not provided me with my title. I must have made at least 20 calls to Audi financial and they keep saying that they have changed the vendor who processes titles for them and that's the reason for the delay. I called Audi financial again yesterday and once again was told, " it will 2-4 more weeks ''. 

However, this is ridiculous and unacceptable. They took the payoff amount from me more than 2 months back and now I am stuck unable to sell this car. I need Audi financial to pay the price of this inefficiency and poor service. 

I want this info to to be available for the whole world to see and I want Audi financial to compensate me for this delay... or I will share this on multiple social media forums to deter people from buying/owning an Audi around the world!!! 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Good Morning, I have repeatedly requested my creditor Ally Financial not to contact the certain phone numbers. I provided the phone numbers that I did not want them to contact. Upon speaking with the representative they advised the numbers were marked do not call, and removed from their system. I have made this phone call on at least 4 separate occasions if not more. The last time I had this conversation with them was approximately 2 weeks ago, I requested a manager give a call to me to discuss. I haven't heard back from anyone. I also submitted an email to try to resolve-I have received no response via email.

If a customer requests that a number not be called, and it still happens that is a violation of the. I don't know how to make them stop. It has been embarrassing because they are calling people who they should not. 

I don't think a creditor has unlimited rights to harass you to collect a debt. 
and the sad thing is I have been in constant communication with the creditor, there is no need to call someone else to reach me. I consider it a form of harassment Please contact me at XXXX to discuss further.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: KY
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:
account is over 7 years and FCRA law requires it to be removed 15usc 1679c 15usc 1681c

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 2023-08-16
Company: Berman & Rabin, P.A.
State: AZ
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:
XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XXXX Received phone call from Bermain & Rabin that I had a debt. I refused to verify my date of birth or SSN, and requested a letter be sent instead. They confirmed that they would send a letter. No letter has been received as of XX/XX/2023. Call was recorded. 

XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - phone call, unable to answer XX/XX/2023 - Received phone call, unable to answer. Called back, again refused to verify DOB or SSN. Collector refused to take any additional action based on this. Call was recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had 3 accounts with Capital One, two checking and one Savings account. I received notification by email that the accounts had been closed. I reached out to Capital One to determine what had happened to the funds in the accounts and was told a " close out '' check would be mailed to me and to wait 7-10 days. I received a check for {$7.00}. I called back, as there was over {$72000.00} in the accounts and after being transferred back and forth multiple times was told the " bank had determined all the money in the account was fraudulent and the only true value of my accounts was {$7.00} '' which was the close out check In XXXX of 2020 my sister in XXXX had arranged through an intermediary to transfer {$39000.00} and {$33000.00} to my accounts to help her buy a car. She had transferred money to me in the past and I didn't think anything of it. I had over {$39000.00} in those accounts prior to those transfers AND I had the accounts for over 15 years, first with XXXX and then with CapitalOne when they bought them out and had never had any issues with them or any other banks with which I have long business and personal financial relationships. 

I found out later that one of the transactions for {$39000.00} had been reported as fraudulent by the person or persons she had trusted as an intermediary and had initiated the transfer on her behalf and the transfer was reversed. The other transaction had no issues but CapitalOne also insisted it be reversed. My sister tried to have this done unsuccessfully because they had not filed any complaints. The total amount of {$72000.00} which includes {$39000.00} I had for several years prior to the mishap and the remaining {$33000.00} which could not be reversed has been sitting in those accounts for the last 2 years. You will have records of the complaints I had to file in the past to get answers as it has been impossible to get someone to actually talk to. 

My sister who is a XXXX  has since filed criminal complaints in XXXX against the persons who she had trusted to wire the money to my account. I can provide evidence of this if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: OH
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. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -Nelnet- Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 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 can not furnish a account without my written instructions. 


15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of 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 explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX  but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: WELLS FARGO & COMPANY
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
well i faught for my home for years im XXXX and on a fixed income and it all started when i got a loan with wells fargo in the beginig they some how was able to tack the other co owner off the title of the modualer home and he did not sighn any thing then they for got to put the lean on the home when morgage was done i filed banckrupsy and the judge awarded me the home free and clear thats when they really started doing things that i thot was not right they only had intrest in my land 29 acers my dee called for 46acers well i thinck if my double wide was free and clear they had no right to put inshurance on it and raise my payments noing i could not pay and cause they had no lawlfully right to inshure something they dont owne then get my payments behind i called and called begging them for a home modification they sold my loan to one of there under companys to make me thinck they were gon na help me i never got a welcome package they would not help me modifie my loan they waited tilll theallable time had went by to othow a short sale forclose on me and they did but this is the kicker i had 46 acers 4 deeds going back a 50years they sold a ll my land and they onnly had 29 acers on paper and what i payed taxes on leaned and they took my double wide and it burnt they got payed for inshurance to cover the loan pluse sold all my land and i really want to know how all that was leagealand raised my payments to XXXX more and me on ssi thats more than half mwell thats my whole monthly income wells fargo is dirty bad buissness i tried to save my home over time 2 banck rupsys forcloshure they finally got it and they had people comming out taking pitchers of my home not the land they had intrest in they totally disgarded a federal judges ruling cause they treated me like they owned my doublewide to so there it is i just pray they dont get to do this to any one else oh and by the way my land was prime vacation or retierment land it sourrounded the lake and i do remeber getting calls about my land being a time share i thinck they sold my land as a time share and then cause it was prvate and could be subsisided in to a gated community they are dirty banking wellls fargoall that federal bailout money and they wouldnt even give me a home modification and how was they able to collect inshurance money on the home dirty

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 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed this account which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$420.00}.

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 non-monetary relief
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I obtained a copy of my credit report several months ago and noticed that my XXXX XXXX credit card that I have had since XX/XX/XXXX was not being reported to any of the credit bureaus. I reached out to XXXX XXXX directly and they responded and confirmed that they would be re-reporting my account to all 3 credit bureaus. This request was recorded several months ago in XX/XX/XXXX. Unfortunately, at this time, XXXX  and TransUnion are still not properly reporting my XXXX XXXX account. XXXX  is not reporting the full history of my account ( they are only reporting from XXXX to present ) and TransUnion is not reporting the account at all. I know that payment history makes up a majority of my credit scores, so I am not getting the proper credit for the 8 years of on time payments to my XXXX  and TransUnion credit score. I have tried calling TransUnion directly and also have sent them letters but I am not receiving any responses from them regarding this and other matters on 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the Experian shall block 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 business days after the date of receipt.

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 2019-09-13
Company: Experian Information Solutions Inc.
State: MO
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'm a victim of identity theft, I've also a victim of the XXXX  data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}

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 2022-12-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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