BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email on XX/XX/23 stating that my new XXXX XXXX XXXX XXXX credit card would arrive soon. I called the company stating that I didn't authorize the credit card. I believe before that I also received a bunch of emails that seemed like spam. They told me not to worry, that I'd receive a letter in the mail to confirm it before it was authorized. I never received the letter. Next thing I know, I receive some emails stating that a delivery would arrive and did arrive, but it was to an old address I lived at. 

On XX/XX/23, I received a call from a " No Caller ID ''. The person on the other end of the line tried to get me to pay for a {$4600.00} charge on my credit card. I told them it was not my card and that it was fraudulent. They then transferred me to an unknown department and asked for personal information, but I told them I wouldn't give it to them because I didn't know if they were who they said they were. I then called XXXX to report the fraudulent credit card and other suspicious inquiries, one of which was a credit inquiry to obtain an IKEA credit card as well. They put alerts on my account and told me to also report it to the police or the FTC and to call Comenity Capital Bank. I called Comenity to report the fraudulent credit card and charges and they shut down the account and added alerts as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has been reporting incorrect dates to the credit bureau, which has caused this debt to be on my credit report longer than it should be. This account was not open in XXXX. I have not had a XXXX account open since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have asked Experian to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXXXXXX

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 2017-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm currently being harassed b y Navient with making payments. I pay on average {$200.00} week ly. And I 'm trying my best to get out of default. They still call me even after applying a payment.     I currently work   XXXX   shift and it 's disturbing my sleep. They have also called me several times on a private number.     I had called them at  XXXX  and I got connected with a representative. I asked them to stop the auto dialing because I work the   XXXX   shift and its been waking me up. It would t ake 24-48 hou rs and I think its ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: EQUIFAX, 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 XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: NJ
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 sent Experian a written request XX/XX/2022 to verify their method of verification of a collection account on my credit report. The Account named XXXX and XXXX XXXX in the amount of {$11000.00} appeared on my credit report XXXX of 21. I disputed the item as not mines and asked Experian as well as XXXX and XXXX to investigate, They claimed the account was verified although the account has a different last name, Date of birth than my own as well it has an address i never lived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: SC
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:
Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
Have contacted XXXX 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to XXXX. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Based on the promotion from Chase Bank, I opened a checking and savings account, then had two electronic direct deposits paid by my company in XX/XX/2022. As attached. 

However, Chase just refused to pay my bonus, which should have been {$300.00} + {$100.00} credited to my checking account since I met both requirements for savings and checking. 

I have done my part ; Chase should've honored their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, 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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is trying exacerbate the amount of debt I owe. Claiming I owe over {$300.00} in interest on a {$160.00} balance of a card that is not even 6 months old. I offered to pay the balance of the card of {$160.00} and they still want me to pay ridiculous amounts of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I told XXXX XXXX XXXX to close my account because they dont credit my account for charge backs told me i was late in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary i finally told them I am type XXXX austim which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX XXXX XXXX am asking Transunion XXXX and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report files ask XXXX XXXX to close account because they refused to give me any type of credit and make unsecured

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 2017-05-10
Company: FIDELITY CAPITAL HOLDINGS, INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Fidelity Information corp    XXXX   XXXX    XXXX   XXXX  CA,  XXXX  Has reported a debt on my credit among the  XXXX  credit bureaus. This debt was for a corporation not in my personal name. I never signed or ordered work from  XXXX   XXXX . I tried to contact them by phone and was hung up on in   XXXX   XXXX     I then sent letters denying the debt. They were returned so I looked up other known addresses and those disputes were returned by mail as well.     I informed the credit bureaus and they verified it with the company and continue to list on my credit. This company is not letting me personally dispute the debt with them but verifying with the bureaus. I looked up their reputation and this seems to be a common way of doing business.     My rights have been violated it is effecting my ability to buy a home and I want them to resolve this invalid debt with the  XXXX .     Thanks,  XXXX   XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this compliant against   XXXX   XXXX   XXXX     XXXX  and  Experian  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  & Experian continue to reported this account as verified, without proof. However   XXXX   has removed this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
im writing on a paid charge off. I have paid my dues but yet they havent removed from my credit report.This is a paid charge off but shows that it was settled please delete immediately.When i paid this they said they would remove from my consumer report 2 years ago and never did and now its affecting me trying to get a mortgage

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 2021-05-14
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Amerisave Mortgage Loan Processor XXXX XXXX instructed me to write in 2 answers from our Home Owner 's Association President XXXX XXXX on the Condominium Questionnaire that she gave to me over the phone, as she does not own a computer nor smartphone, and does not have an email address. After following XXXX XXXX instructions, and scanning the questionnaire, and email it to XXXX with the 2 omitted answers completed, Amerisave has had their affiliate XXXX contact XXXX XXXX numerous times, for the same information, over a period of days, regardless of how many times she has called back in to explain to them that she did in fact answer those 2 - and all - questions on the questionnaire. Amerisave and XXXX continue to harass her, even as recently as this morning, with 9 new calls on her voicemail from 6 people asking again for the same information. She is practically in tears trying to comply with Amerisave to do a good job for me ( the borrower ). Amerisave loan processing manager XXXX XXXX has ignored my numerous pleas for a brief phone call so I can be reasonably assured someone has a handle on our application, and he has flatly refused to call me to discuss the situation, and instead merely emails me stating he will not have these affiliates contact anyone regarding the condo questionnaire until he determines if it is even required in this case ( as I have been pointing out, this is an 8 % LTV primary refi with no appraisal required ). That was yesterday, today we have the 9 new calls, after at least 6 people have reached out to her prior to yesterday, for this same information. 

This is after we have had to re-sign our P & L 6 times, to accommodate gross incompetence on the part of XXXX XXXX and Amerisave loan processing in general. This level of incompetence combined with the numerous phone calls constitutes harassment. I would like this looked into and pursued by your agency on our behalf, and to let us know the outcome. I am more than happy to provide any and all info that could be helpful in your handling this issue. Thank you in advance for your help. 

People ( that I know of ) who are continuing to pursue XXXX XXXX for the same information after being asked to stop. 

XXXX XXXX XXXX XXXX XXXX XXXX Also, someone named XXXX, and another person named XXXX, have both also been calling but did not email that we are aware of. There may be additional people, this list will hopefully suffice given the nature of the complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

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 2021-04-20
Company: Experian Information Solutions Inc.
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:
I never signed any contracts with bridgecrest nor have I ever heard of, met with any representative of XXXX. XXXX needs to produce the original contract that I allegedly signed with them and show verified proof of something of value given to me by bridgecrest within 72 hours or I will litigate this matter. XXXX even reported to the credit bureaus that theres a contract between them and I ; such act is fraudulent. I am now being injured and harm has come due to the fraudulent acts of 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 explanation
Consumer complaint received 2018-08-16
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Account name REAL TIME RESOLUTIONS IN Account number XXXX Recent balance {$3000.00} as of XX/XX/2018- has been harassing with false statements and threats. This account is in violation of F.C.R.A. nad real time solutions has violated F.D.C.P.A. on several counts. please stop this illegal operation

Company response to consumer: Closed with explanation