BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Experian several times regarding hard credit inquiries on my credit report dated XX/XX/XXXX, beginning on XX/XX/XXXX, and the last attempt on XX/XX/XXXX. The option to dispute hard inquiries on a credit report is unavailable online ; therefore, you must call them directly. During my conversation with a representative, XXXX, on XX/XX/XXXX, he informed me that he could not enter a dispute and I should try contacting each company directly. This is contrary to what I was told each time I contacted Experian to find out the status of the dispute. Also, due to these hard inquiries, a Fraud Alert has been added to my account. The only companies that were authorized to pull my credit report were : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

I asked to speak with a supervisor. However, I was left on hold without any further conversation or resolution.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-20
Company: DISCOVER BANK
State: MI
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: Investigation took more than 30 days

Complaint:
See complaint # XXXX I have requested for fairly simply information. Discover acknowledged my initial complaint was valid and promised it would be corrected 2 months ago. It has not and Discover is now refusing to provide the proof that they did report the Discover card which is in my name to 4 different credit bureaus. please see attached letter dated XX/XX/2022. 
In complaint # XXXX I requested proof ( a copy of the XXXX ) that Discover did indeed do as they said they did. Discover seems to think they can lie and stall without consequences. As a result of my complaint Discover has now retaliated against the owner of the account XXXX XXXX XXXX a XXXX Vet, injured while serving this country. This type of behavior does not happen without the go ahead or authorization of the CEO of Discover XXXX XXXX XXXX XXXX. I am sure XXXX XXXX has authorized the attack on thousands if not millions of other consumers and since our politicians or agencies responsible for preventing this type of behavior bribed to do nothing, Americans are finally recognizing they must defend themselves. Therefore, I will be posting XXXX XXXX contact information on the appropriates sites so that consumers can defend themselves. For instance here is his XXXX XXXX dollar home in XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Sad, we have so much corruption and greed in this country and it is always up to the PEOPLE to end it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan ( which has never had a single late payment ) was sold to Selene Finance earlier this year. In spring 2019 I made a {$5000.00} additional principal payment online in addition to paying a few days early for my next monthly payment. The auto payment feature ( counter to the next due date that posted online ) continued to take money from my account. This resulted in my mortgage paying a month early and occurred twice. The only help/advice I was given was to remove my auto pay and account information, wait for the two months to pass, then set autopay back up. I followed all of these steps and my XX/XX/XXXX payment posted but was immediately followed by a payment reversal. I received no phone call or email about this. I received a letter today, XX/XX/XXXX ( a Friday ), as my first and only notice the account is past due. No one is in the office and there is no ability to leave a message with either the main office or the customer service number. I logged on and paid the account in full, but have not paid the {$72.00} late fee that is also posted. I do not believe I should be held accountable for the late payment. This occurrence of events appears as though Selene Finance is setting me up to have a late payment post to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover Financial {$3000.00} XXXX  On XXXX I purchased a XXXX XXXX lawn tractor and bagger from XXXX in XXXX, NY and put it on my Discover card. I used it once and there was a major malfunction which destroyed the entire engine. The tractor was picked up by a XXXX XXXX on XXXX with the intentions of replacing it. After a few days I was informed by XXXX that they could not replace that particular model so I promptly cancelled the order and returned the bagger myself. On XXXX the charge was out back on my bill! In XXXX it was contested, but somehow was determined in favor of XXXX. By this time, it was XXXX policy to not issue return receipts after 90 days, which had already passed. After having XXXX investigate this claim, it was determined that the tractor, in fact, was returned and the claim was valid. I reached out to Discover Advocacy, sent a letter of dispute along with fax transmittals, emails, receipts of return and they are still saying they will not remove this from my bill. We have sent them everything they have asked for. They are destroying my excellent credit rating because if this false reporting. Please help us! We have complied with every single request from Discover. They just say no without giving us any answer as to how they came up with this unjustified conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-05-20
Company: Bread Financial Holdings, Inc.
State: TX
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 Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im demanding the removal of the collection which Spring Oaks Capital has placed on my credit. My debt is not with them. I dont owe the {XXXX} reflected on my credit. Im in no type of contract with this company. This is impacting my credit and I demand that it is removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a Westlake representative stated was the remaining amount due. 

According to the payment history sent by Westlake on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of Westlake either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount Westlake stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via Westlake Financial on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that Westlake Financial mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Paypal Holdings, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sister sent me money through PayPal and her husband disputed the charge in error. It was corrected and PayPal is still trying to charge me and my sister back. PayPal sent me to collections for {$340.00} that I do not owe. 

XX/XX/2023 XXXX agent is XXXX XXXX XXXX XXXX sent me a collection letter. When I call them all they want is the money and will not listen to reasons I dont own this debt. 

My sister nor myself have been credited this amount therefore how could either of us owe anything. 

I've worked hard to not have collections on my credit to have PayPal put me into collections for no reason. PayPal said they see the issue yet they cant get me to anyone to fix it. I have provided all document to proof this is not my debt and they just sent me to collections anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, Consumer XXXX d/b/a XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with American Express in which multiple federally protected consumer rights were violated. On XX/XX/2021, American Express received documents on my behalf via USPS. One of the documents included a debt validation letter. At the end of this letter, I respectfully demanded that payments made on my behalf to this disputed " alleged debt '' be refunded by check payable to XXXX XXXX XXXX. These demands were made pursuant to 15 USC 1692h which states : If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. To date this has not been done. 

In addition on XX/XX/2021, American Express violated my consumer rights by threatening to take legal action if this alleged debt became past due by placing with a legal collections agency. I understand that this violates 15 USC 1692e ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 

On XX/XX/2021, a representative from American Express expressed to me that they are handling my account in accordance to ALL applicable laws and regulations. This bold statement informs me that they are knowingly and willfully violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I deposit {$490.00} to be exact in my account. I then received a bank of America text alert to my phone that after noon which stated that my account was overdrawn & that my funds are on hold do to someone else saying that I use there ssn number. So the bank ask for verification to state that my ssn belongs to me which I fax my social security card over to the company. Also fax over a letter from the social security office stating that they do not give out verification letters anymore which is what my bank is asking for to release my funds. I am asking the bank to release my {$490.00} I deposit into my account & close my account because I no longer want to do business with this bank again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIBANK, N.A.
State: MD
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:
On XX/XX/, I made a purchase at XXXX with my Citi DoubleCash card. The card terminal stated that my purchase was {$28.00} and I swiped my card and left. When I checked my email, I saw that Citi had redeemed XXXX of my ThankYou points on the purchase without my consent. I was never prompted to use them at any point during my purchase. These points have a worse value when applied to a purchase at a store than when theyre redeemed for cash back ( i.e. I received a {$10.00} discount off my XXXX purchase but I could have redeemed them for {$12.00} cash back ). Citi is not abiding by the terms of their cashback program and many other customers online have complained about similar practices. Theyre using customers cash back rewards without the customers consent to save themselves money.

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 2022-10-12
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: Account status incorrect

Complaint:
My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is transunions does not require creditors to show proof that it's my account, because if they did it would have been taken off. They've been reporting it for 3 years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on my transunion credit report it says that month XX/XX/2020 that I was delinquent 90 days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is ( XXXX ) has the right account number and it's showing that I paid {$250.00} XXXX was my balance on {$300.00} limit not like the {$700.00} limit they've been reporting delinquent every month for over 2 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Army and Air Force Exchange Service
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX Attention : XXXX  Dispute Department Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquirY that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you 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 explanation