BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: Bread Financial 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: Account information incorrect

Complaint:
The credit card bj comity bread financial services report inaccurate information on my credit report. late payment. the company website dont work always report due to it difficulty the system is down. unable to make a pyment. 


Copyright 2022 Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. 
Credit card offers are subject to credit approval. Cash back is in the form of electronic Awards issued in {$10.00} increments that are used at checkout at XXXX 's and expire six months from the date issued. Must contact XXXX 's XXXX XXXX at XXXX to request cash back in the form of a check prior to Award expiration. My BJ 's Perks Mastercard and My BJ 's Perks XXXX  Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. XXXX ( TDD/TTY : XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed a fruadulent account.I sent all the necessary information needed in order to have the account remove.All three credit bureaus ( XXXX, Experian, and XXXX ) remove this from my credit file.After a month later it was reinserted by XXXX and XXXXI wasn't notified about the reinsertion within the 5 business days which required and no information at all.

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: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX/ XXXX XXXX Account 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 1682 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 someone changed my phone number than added a XXXX address and withdraw my money in the account After hours on the phone filling all the disputes They say they can not get my money back XXXX they also hacked o to my XXXX  XXXX XXXX account and tried to withdraw from that This is just not right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CL Holdings LLC
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
JEFFERSON CAPITAL SYSTEM has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Transunion with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. I contacted experian and they stated that there was nothing that I could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe the account is invalid. DPEDNELNET needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DPEDNELNET XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
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: Old information reappears or never goes away

Complaint:
Back in XXXX, XXXX XXXX of XXXX approved a XXXX. As it was NOT a loan, it was never paid back, and XXXX had never entered this on my credit. At the beginning of XXXX, 14 years after it had been given to me, XXXX put it as a past due loan on my credit reports. 
Even if this was a loan and not a XXXX as I contend, the statute of limitations has long run its course and can not be put on my report. 
I complained to one of the XXXX, XXXX  XXXX, and he did nothing. ( XXXX fled the school after a negative XXXX  XXXX article about him ).

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts 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 explanation
Consumer complaint received 2023-06-17
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2023 I sent all documents to Affirm.com billing and customer service showing that i have not received an item a, and the item was cancelled. I have filed a complaint about the company XXXX XXXX XXXX  not wanting to return the funds to Affirm. XXXX  XXXX XXXX actually said that if I remove the complaint with the XXXX  they will refund me or they are getting an attorney and their attorney is sending me a letter they are suing me for filing a complaint,. Now after all this I have forward all email, documents and everything showing i never received the item. And XXXX  XXXX XXXX even Stated that I had not received the item and I sent the email showing the shipping company cancelled it. Affirm is still continuing to withdrawn funds and will not cancel the transaction or put it on hold. I am looking for some assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: LA
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:
I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: LEXISNEXIS
State: VA
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:
LexisNexis is reporting unverified information on my credit report. They are reporting a bankruptcy on my credit report that is inaccurate. When I brought this to their attention, Lexis Nexis stated that they received the information from the US bankruptcy court. I then wrote a letter to the court system myself, asking for an explanation. The US Bankruptcy Court replied to my complaint stating that the court, in fact DID NOT provide LexisNexis this information, nor do they provide any personal information to any other credit organization. This is a clear case of identity theft and has been reported to local police. 
I sent this letter certified XXXX USPS tp LexisNexis along with my Identity Theft Affidavit. The company has not responded. to my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a call from the CC Company " Fraud Dept. '' ( official phone # ) in XXXX asking if purchases in Florida were made by me. I said NO! As I was speaking with the 'fraud agent ' I went online to their portal and saw that there were no charges on the account. He ( fraud agent ) informed that they hadn't shown up yet and would be declined. He ( fraud agent ) said a new access code would be sent to me, to tear up the existing card and another would be sent within a week. I didn't tear up the card. And, NO card came. So, I tried to access the portal but was locked out. When I spoke with customer service ( same official tel # as 'fraud ' ) they said my email address, my tel # ( all I've had over 10 years ) had been changed. Each call to this CC company is recorded. I asked that they replay the calls and find out when the " changes '' took place and call me back. They said they would not do this since the number I was calling from was not on the account. They have no security questions nor use an authenticator app. I said look at your records before XXXX and you will see since I've had this CC it is has always and still is the same email, tel, mailing address and that all I want to do now is pay off the card and close the account. They refused. They said the 'fraud department ' would get on the line. I asked the customer service rep to stay on the line and call me back if we were to get cut off, ( since the calls are recorded ), which she did. The 'fraud agent ' came online and I told him that the customer service agent was on the line and asked if I could record the call. The 'fraud agent ' hung up. The customer service agent called back and left a voice msg ( which I still have ) saying that she checked the 'fraud department ' personnel and there was no one working there by the name of the supposed 'agent '. Now I am being told I have to give private confidential documents to the 'fraud department ' in order to access their portal. I was told that my # is NOT associated with the account since XXXX. Yet, on XX/XX/XXXX I received a text from a XXXX area code ( where this CC company has a call center listed ) asking if I had made a charge to a XXXX. I said NO! I just want too pay this off and close it out but I do NOT trust their XXXXfraud department ' is NOT compromised! 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 explanation
Consumer complaint received 2021-03-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company calls my work phone 4 times a day, misrepresents the dates and age of the credit account, and ignores the fact that I have disputed this account since inceptionXXXX XXXX provided me with non-functional products and attempted to charge me for them after their return to the original purchaser. Which is the original debt disputed. After calling them, escalating, etc. they decided to collect and I decided to go with a real phone company. Since then this debt has been passed multiple times and now it is with an outsourced XXXX company that uses harassment as tactics to collect on bad accounts that XXXX is likely pushing on all its clients, despite their service blacking out at my home day in day out, and them replacing my phone 3 times, which did nothing, this is what I received in return for trusting their brand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : 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 explanation
Consumer complaint received 2020-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To Whom It May Concern : Today, out of nowhere, without any warning or justification, I received a notice from Bank of America regarding a credit card account that I have had with them for several years ( at least five years, and possibly more ) was suddenly and immediately closed. A copy of the email I received is attached to this complaint. I also have a second account with the bank, which is currently in the midst of a promotional cycle, so I have been using that one for charges instead of the one that was closed. The email notification does not include any information about why the account was closed, but given that I have not used it for a few months, perhaps that was the reason. 

However, I am filing this complaint because I had an accrual of rewards points attached to that account worth approximately {$500.00} or more -- yet according to XXXX in the Tennessee XXXX XXXX for Bank of America, the points were FORFEITED when the account was closed. However, I was provided with NO WARNING or rationale for the closure. The email from the bank says that I will received such information by mail. 

Why should the bank have been able to effectively steal or withhold from me some {$500.00} worth of cash-equivalent ( and redeemable ) points without any notice or justification? I earned those points through spending, per the contractual terms of the credit card, and I made all payments diligently for years. How many other consumers have had their points taken away with no warning or cause -- i.e., a failure by the bank to fulfill its obligation under the rewards program? Thank you very much for your assistance. 

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 monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IVE DISPUTE THE ACCOUNT # XXXX XXXX, AUTO LOAN. THAT WAS OPEN IN XXXX 2017. THE CAR WAS REPO BECAUSE THEY FAIL TO FIX THE OIL LEAK. SINCE THE CAR HAS BEEN REPO, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.

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