BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
COMENITY BANK IS THE ISSUERER FOR THREE ACCOUNTS THAT I RECENTLY PAID OUT THE PREVIOUS BALANCES BEFORE THE DUE DATES. 
STAGE IS ONE OF THESE ACCOUNTS AND IS NO LONGER IN BUSINESS NOT EVEN ONLINE! 
COMENITY HAS CONVENIENTLY CREATED A BALANCE FOR EACH ACCOUNT BY DEMANDING AN UNJUSTIFIABLE RETURN FEE OF {$29.00} DOLLARS, AND BY MASKING THE FEE AS A PURCHASE ALONG WITH AN INTEREST CHARGE! 
HOW UNDERHANDED! 
WHEN I LEARNED THAT MY PAYMENTS HAD BEEN RETURNED DUE TO A, " STALE CHECK, '' ( PLEASE SEE COPY ) I IMMEDIATELY NOTIFIED XXXXXXXX XXXX  XXXX XXXX XXXX, AND XXXX. I ALSO MADE DUPLICATE PAYMENTS FROM ANOTHER ACCOUNT TO OFFSET THE RETURNED PAYMENTS. 
I SIMPLY WANT ALL THREE ACCOUNTS TO BE REPORTED ACCURATELY WITH XXXX BALANCES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: AL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: OK
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX*has violated my rights. 

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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last year I discovered false accounts with XXXX XXXX and XXXX XXXX  reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and XXXX XXXX and XXXX XXXX  conducted an investigation. Yet they still show up on my credit reports Please help me resolve this issue 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 explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: AZ
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:
accounts opened without my consent and I have been paying for this for the last decade 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 2021-10-16
Company: EQUIFAX, INC.
State: IL
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 numerous letters to Equifax, XXXX and XXXX disputing the inaccurate late payments and inquires on my credit report and asking for verification. Each bureau is reporting different months of late payments for months that I was never late. Letters dated XX/XX/2021 I asked for verification and a reinvestigation and over 60 days later I have not received any response or correction from Equifax, XXXX or XXXX. I want these late payments and inquires removed because Equifax, XXXX and Equifax have failed to respond to my request in my XX/XX/2021 dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
{$5000.00} were fraudulently taken from my Citibank checking account and a claim was filed with the Fraud department at Citibank. When the claim was filed I was told by the Citibank representative that it would take 45 days to do the investigation and my account would be locked which would not allow me to access any funds or process any transactions. I was told that deposits could still be made to the account, however when I tried to deposit money at the atm it did not allow me and I got a message saying the account was locked. 

At the time of filing the claim, the representative also suggested that a new debit card be issued and cancel the old debit card, the representative stated that once I received the new debit card I could also update my online password. I have not been able to update my password as the account is blocked for investigation. 

After less than 30 days since my claim, I received a letter stating that the investigation of the dispute had been completed and that Citibank was denying my claim because they determined that I authorized the transaction. 

As you can imagine I was livid and upset beyond measure, not to say the state of panic I was in losing {$5000.00} from my account. I called the dispute department at Citibank at the number on the letter which stated You are entitled by law to obtain copies of the information used in our investigation. I requested the details of the investigation and the representative could not find any details noted in the account. They did not have anything to support their investigation or reason for drying my claim. 

For the appeal, I faxed a set of evidence to support my claim, it included a police report for the identity fraud and cybersecurity fraud. Again Citibank has denied my claim stating they maintain their position to deny my claim. It has now been over two months fighting this with Citibank and my account is still blocked and I have not gotten my money back. I have spent countless hours on the phone calling customer support, the fraud department, the disputes department, I have gone into the Branch to speak to the manager to see if they can help. The manager has been compassionate and has guided us but cant do anything they keep directing us to a phone to call customer support. 

At this point I need the account to be unblocked so I can move my money to a different bank but no one can figure out how to unblock the account, this is so frustrating. They are holding all my funds now for no apparent reason!

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 2023-01-02
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I submitted a XXXX on XX/XX/2022, to MOHELA. Additionally, and based off new information received from the XXXX  regarding my XXXX tax returns, I submitted an additional XXXX including years worked for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. 

To date, MOHELA has not responded to any of the applications I submitted seeking student loan forgiveness. Ive already met the XXXX-payment requirement. There seems to be a serious issue with this company processing paperwork and ensuring that eligible students receive forgiveness. This is supported in a recent online article by XXXX XXXX . In the XXXX  XXXX article, she addressed some of the systemic issues that affect MOHELA. 

Can someone please review the information that I submitted in XX/XX/2022 seeking forgiveness and get bet back to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FMA Alliance continues to call me for a debt for someone else. I told them I am not the person they are looking for but called again. I told them the second time not to call me. 20 minutes later they called again and hung up. I called them back and asked to not be contacted again and they hung up on me. They have called me 5 times in 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX 

XXXX service was terminated on XX/XX/XXXX. 

XXXX final bill of {$690.00} was paid by the XXXX XXXX XXXX XXXX XXXX XXXX during the last week of XX/XX/XXXX. My XXXX  was hospitalized for XXXX weeks, and the hospital paid some of our living expenses. 

No attempts at collecting any additional funds were made by XXXX prior to giving the matter to collection agency. 

The funds XXXX wants were meant to go to a service deposit that would be immediately refunded as we do not use their service. XXXX admits this on the phone. XXXX says it will do nothing to assist as it is in collections. 

Debt collector is not interested in facts. Debt collector demands payment.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
. My complaint is that malen & Associates file number is XXXX XXXX index XXXX their address is XXXX XXXX XXXX XXXX ny XXXX. Their phone is XXXX XXXX unlawfully filed a lawsuit suit against me in civil court XXXX  County ny regarding XXXX XXXX XXXX  this is a old debt that's fives years old past the state of limitations I had a checking account that was a negative balance back in XXXX. I reach out to the law office male and associates to do a payment plan during that time I told them that I can only pay XXXX dollars a month they agreed with me I signed stipulations I made a few payments I ended up latter getting late during the time covid happened causing this XXXX  to change .I was also shock that they did a soft pull on my XXXX credit report in XXXX I got alert from XXXX they thought that during soft pull I won't see inquiry from them but I did in XX/XX/XXXX. Also they sent me a unlawfully letter saying that they filed a judgment against me to take my property without notifying me a all. If I'm on a payment plan and agreed to pay XXXX dollars a month. They don't suppose to filed a judgment against me. And I agree to a payment plan. Even the debt is 5 years old going on six years soon. Also to have judgment vacated. I filed complaint with nys attorney General office that males associates violated covid laws creditors collections and attorneys don't suppose to take legal action from consumers they suppose to work out a solution in payment plan s.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: DISCOVER BANK
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was sent an application for a Discover card and I filled out the application and it stated that it would be checking my credit. It did not state it would take a hard copy of my credit. If it had stated it was going to take a hard copy of my credit I wouldve never applied and disregarded the entire application. I called Discover and she said I have to file a complaint to get this taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years. Its just insane. And she said I have to file a complaint to get this I did not know this is what they were going to do. Therefore, I have the right to tell them it is to be taken off of my credit report. I have worked very hard on my credit and now this happens and it can stay on for over two years its just so sad and puts me in a really bad place. As you know many things are not based on who you are. Its what your credit is. I am almost XXXX XXXX XXXX and XXXX. My credit score is my lifeline. I need someone to help me. Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We posted a convenience check from Barclays to the payment of a card under XXXX XXXX XXXX totaling {$8600.00} on XX/XX/XXXX. We received what was to be a Promotional APR of 0 % through at least XX/XX/XXXX, and a balance transfer fee of 3 %, but were charged a total of {$97.00} as an interest charge on XX/XX/XXXX, ( as opposed to the 0 % that was stated ) and {$430.00} as a balance transfer fee on ( 5 % vs 3 % ). We called the bank multiple times on XX/XX/XXXX, XX/XX/XXXX, and yet again on XX/XX/XXXX through the phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, and multiple times we didn't get a response, save when we called them on XX/XX/XXXX. The Customer Service person gave us a case number and stated they would start an investigation without an estimated time frame. After this we used another convenience check of {$6000.00} on XX/XX/XXXX, and paid off {$1000.00} in two separate checks of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. We received another statement balance on XX/XX/XXXX where we received another interest charge of {$100.00} when we shouldn't have received one once again. We called them again on XX/XX/XXXX to dispute this, but were told that our account would be under investigation for another unspecified timeframe. They told us that we would be transferred to another supervisor, but they hung up on us instead.

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 monetary relief
Consumer complaint received 2020-03-13
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid for a product to be provided to me through XXXX  XXXX  of {$900.00} on XX/XX/20. The person said that they needed more money in order to provide the services I was paying for. It was many excuses given that didnt add up so I knew it was a scam. Asked for my money back they wouldnt give it to me and blocked me from communicating. XXXX  XXXX  said once money is transferred to the members bank they cant get the money back so I disputed charges with my bank Suntrust who Ive been with since XXXX/XXXX  and they denied my claim and have been very inconsiderate to help me get my money back.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2022-03-23
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account that went to collections with Argon Agency. Once I was able to pay I set up payment arrangements for said debt. We worked out some type of deal and I eventually paid the debt off in 2018. Now here it is two years later they are reporting on my credit that my debt was never paid off. The debt was paid off in the amount of the agreement but they never sent the remanding about to the company that I originally had the debt with. So basically they made a deal with me and once I paid it off they act like there was never a deal in place. They are hurting my credit tremendously and forcing me to pay the remanding about of the original debt if I want it off my credit report. I don't feel this is lawful at all and this company should be stopped.

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 2023-02-03
Company: Experian Information Solutions Inc.
State: NY
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:
The company, Experian has sent back a response for a credit collection where both the amount of the collection and the company are not what is owed to the collector. The company, Experian stated in a previously closed complaint that there was not specific enough of detailed information sent to them for the complaint to be processed. However, the specifications of the complaint are not missing any details. The collector is reporting through Experian an attempt to collect an excess of {$3500.00} in cash for an apartment which was not occupied after a 10 day notice was given by the landlord for complaints made by other tenants regarding a dog. The apartment was immediately vacated and there were some belongings which were later removed by the end of the month. The month which this occurred in was XXXX of 2021 The dog and the occupant, the person who the complaint is now being submitted by and for is not the person who resided in the apartment after the notice was given by the landlord regarding complaints about a dog. There was no option to stay in the unit because of the nature of the complaints and harassment by the maintenance woman residing inside the same building as the tenant household and dog. The apartment could no longer be safely occupied. The leasing company, XXXX XXXX still sent the collection to Experian regardless the apartment had been vacated. The amount exceeds any rental time of occupancy in the unit. There was also no clean running water in the unit past the month in question, XXXX of 2021. There were also several complaints regarding the police and the maintenance woman who blocked the sidewalk for the walkway to be used for entering or exiting the building. The management has since changed at the property in question. The collection is listed as XXXX XXXX XXXX XXXXXXXX and through a collection company the amount from XX/XX/2021.

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