BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: Bread Financial Holdings, Inc.
State: CA
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:
I established two interest free XXXX XXXX XXXX Comenity Bank plans to pay for dental fees over time. I made regular payments. 

However, I did not receive paper statements and was not signed up for paperless statements. 

When I called to make a payment XX/XX/XXXX, I was advised that the interest free promotions had expired, and I was being charged interest. I had not received paper statements to advise of upcoming expiration dates. If I had, the balances would have been paid prior to the promotion expiration date. The principal balance due on both were paid in full on XX/XX/XXXX. 

On XX/XX/XXXX, the first interest free promotion ( original amount financed was {$740.00} ) expired and currently reflects interest due of {$11.00}. 

On XX/XX/XXXX, the second interest free promotion ( original amount financed was {$1100.00} ) and currently reflects interest due of {$440.00}. 

On XX/XX/XXXX when the principal balances were paid in full, we requested paper copy of statements, the first was provided on XX/XX/XXXX. I asked for relief from the very high interest charges through the Customer Service Department. They denied this request, I also contacted the Debt Settlement Department of XXXX XXXX XXXX Comenity Bank to request relief from the high interest charges. They did not return my call. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX Bank Customer Service Department to follow up on my request for relief from the high interest charges. I was told they could not adjust the interest charges. I filed a consumer complaint with the XXXX Department XXXX XXXX XXXX XXXX XXXX Bank. They advised the interest and late fees will continued to be charged to my account based on the outstanding interest balance. 

I offered to pay {$100.00} interest as a fair settlement to these charges, this offer was rejected by the XXXX XXXX XXXX XXXX Bank Customer Service Department supervisor. 

I ask for your help for relief from these extremely high interest fees charged, based on the lack of correspondence on the status of my account and the promotion expiration dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: PA
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 recently pulled a copy of my consumer report, and noticed that there was an account with The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, I have contacted the company requesting documentation that they sent a notice out to me, requirement of the FDCPA, because I do NOT owe this alleged debt to them. I informed them that they have violated my federally protected consumer rights, violated federal law- FCRA and FDCPA and committed criminal attacks against me. 

As required by the requirements of the FCRA, furnishers and reporting agencies both must use reasonable procedures, which the CRAs did not do prior to placing this fraudulent account on my consumer report. The inaccurate reporting on my consumer report is also a violation of the FCRA 's requirements of accuracy. 

In addition to the violations committed by the company, the CRAs are just as liable because they did not uphold the requirements of federal law in using reasonable procedures in investigating my disputes, ensuring maximum accuracy and confidentiality. The CRAs conspired with the company to cause financial damage to me.

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 2023-02-14
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I recently closed an account with an external bank that is still linked to my Credit Karma " spend '' account. When using both their mobile app and when using their website on a desktop computer, it shows this old bank as the only linked account when I initiate an external transfer. I tried to link another account to my Credit Karma account and received confirmation that it has been added but it still doesn't appear as my linked bank. I've contacted their customer service about this issue via their chat feature and have been given the runaround. One time they told me to refresh the app which kicked me out of our chat because it was operating within their app. Another time I was told that the bank that I recently decided to link was already linked but that I have maximized the number of times ( 4 times which isn't indicated anywhere on their website ) I can link a bank to my account so there is nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CITIBANK, N.A.
State: AZ
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX Best Buy charge my credit card account for {$870.00} I disputed the charge as I had ordered appliances from them on XX/XX/XXXX total charge was XXXX {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$170.00}. On XX/XX/XXXX a stove that was in that order was canceled which resulted in a credit to that charge of {$740.00} which made the balance {$4400.00} on XX/XX/XXXX there's a separate line charge for a new stove that I placed and that amount for stove was {$3100.00} I also had a total Tech charge of {$210.00}. I contact the credit card immediately for the charge on XX/XX/XXXX advising that I did not order anything and they were apologetic and said that they would remove the charge immediately. Come to find out they never did remove the charge and it subsequently ended up on my credit card. So I get a spirited charge with Best Buy credit card and total Tech and best buy 's fraud department Best Buy fraud department said that I owed the charge cause I linked it back to the original order on XX/XX/XXXX which is incorrect because I already paid for a For a washing machine on that orperiod thon XXXX of XXXX they credited me back for the {$870.00} On this month 's statement do XX/XX/XXXX they have charged and a purchase cash advanced fee which is {$880.00}. I have contacted both Best Buy credit card company and Best Buy total tack and I have been given the run around credit card companies says they'll just spit it to Best Buy when I go to Best Buy to verify it they tell me they have no records of these charges but the credit card company will not remove these XXXX items from mywithout Best Buy saying that they need to be removed and Best Buy says they can't remove them because they don't have any receipts for them I'm surely hoping that you can help me get this resolved because this has been going on since XX/XX/XXXX I've gone to the Best Buy store and had the store manager XXXX XXXX help me she concurs with me that both these charges are invalid there are no receipts to back them. I have spoke to the guys in the total Tech and they've gone through the receipts in my file and there are no receipts for these XXXX charges

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 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 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 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 2023-05-12
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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX, North Carolina XXXX of Birth : XXXX # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX XX/XX/2023 Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.2. The following account is not mine XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.3. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.4. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.5. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.6. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PACIFIC WESTERN BANK
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Processor was assigned to my loan brokered by XXXX XXXX to Civic Financial Despite numerous attempts for updates, Civic Financial can only state that the loan is in underwriting as of XX/XX/23 This has already cost me in excess of {$6000.00} in interest and extensions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, On XX/XX/2023 was completed as a regular monthly credit card payment of {$43.00} dollars as I am due to complete a payment on the XXXX of every month. 

I saw in my online app. that US Bank charged me a returned payment fee of {$41.00} as well as an interest fee charge of {$3.00}. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to remove and reverse the returned payment fee {$43.00} and to remove and reverse interest charge fee of {$3.00}. These rate fees are also more than what they should be has this been a case of late payment processing. 

As the language states on my monthly bank statement under the important message section at the top stating that I have 24 to 30 day interest-free period for purchases provided. 

I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. 

I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. The negative activity on the account ending in # XXXX has impacted and affected my credit history and credit score. 

To resolve this particular issue I am requesting a credit limit increase without a hard credit pull being ran. 


As for any fees I am filing a complaint for my account to be reviewed of the fees mentioned above returned payment fees and interest fees that are inappropriately applied to my account immediately and for my account to be updated as the resolution. 

Review and remove fees that were inappropriately applied to my account ending in # XXXX as well as submitting a physical paper copies via emailed to the listed email address of all that was corrected and updated. 

This would be my second complaint filed on US Bank regarding interest fees and returned payment fees. First complaint number # XXXX There is a unresolved problem, conflict with the online technologies with US Banking structure tat calls for a resolution especially for those of XXXX like myself and for those of mental XXXX to be able to work with and be connected as a Private Client on personal matters regarding their finances within the Communications Department that I have also requested as a resolution to speak with. 

Kindly submitted,

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 2020-07-31
Company: Sequium Asset Solutions, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are incorrect bills being reported to my credit. 1 ) XXXX XXXX  2 ) SEQUIUM ASSET SOLUTIONS, ( a debt collector for XXXX XXXX XXXX The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Kabompo Holdings, Ltd.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi, I sing up for a paxos.com account on XX/XX/2023 and everything was perfect, my paxos account was approved, I deposited the amount of {$22000.00} via wire transfer, the money hit the account and everything was perfect again! I ve made an exchange and buyt XXXX ( XXXX ) and try to withdraw the funds to my XXXX XXXX personal wallet but I got an email from paxos.com stating I need to send them some selfie, bank statement pictures, another documents etc etc. I sent all the documents they asked me for and nothing happened. I started to speak over the email with them and again they asked me a lot of documents, personal documents and also my business documents, which I sent them and nothing happen again. They asked me to withdraw XXXX ( USD ) to my bank account, I contacted my bank and they said they did not accept crypto payments anymore. Almost 5 months passed and I don't know what do to right now.

Company response to consumer: Closed with explanation