BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity bank has mis-allocated funds paid towards promotional plans. Payment have been applied as purchases, thereby increasing the balances owed higher than the original purchase. I had a plan from XX/XX/XXXX - XX/XX/XXXX. I have paid that in full, but each time I have called and spoken to a representative to have funds specifically allocated to that account, the payments have been applied as purchases rather than a credit to the amount owed. That account is in dispute, but on my statements from XXXX, XXXX and XXXX, payments intended for another promotional plan that was dated XX/XX/XXXX - XX/XX/XXXX were applied to the paid in full account which expired in XXXX ( XXXX on my XXXX statement, and {$260.00} in XXXX. ) The original purchase price was {$960.00}, but the balance now shows as {$1300.00} Comenity Bank stated that I would not have to pay anything towards the disputed amount, but their system has automatically applied that money to the disputed plan and they refuse to move it despite their stated policies. For the account expiring on XX/XX/XXXX, {$260.00} was moved from the funds designated for that and also applied toward the paid account in dispute in XXXX of XXXX. In XXXX, that balance was {$940.00} and in XXXX it shows as {$1200.00}. If I am making large payments every month, how can that be? The statements clearly show purchases instead of payments or credits. They refuse to do anything about it except to dispute the charges. How is one supposed to obtain a correct balance due to these erroneous payment allocations? Further, they had changed their allocation rules in XX/XX/XXXX, so, in essence, they changed my contract during the life of the contract. I need some assistance to resolve this matter. This is not ethical, I believe illegal, and certainly a deceptive practice in order to force the consumer to pay interest on what was originally stated to be an interest-free program. Please see the attachments to illustrate the errors and allocations I have described.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Chime Financial Inc
State: NC
Product: Credit 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:
XX/XX/2023 I was at a XXXX in my city and basically i used a atm that was in there, i used my credit builder card and took out {$400.00} .. i notice that the atm didnt give me any of my {$400.00} i file a dispute through the atm and they told me to go through my bank when i went through chime, they told me to wait till it stop pending i waited one day on XX/XX/2023 i disputed the charge through chime and literally at XXXX XX/XX/2023 i woke up to a message saying my claim was decline and i never recieved the money from the atm or even recieved a refund.. i called the atm customer service and they told me that chime has been doing this to customer not really investaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX License Number - XXXX, Vehicle Financed - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Vehicle Mileage - XXXX miles, Vehicle VIN - XXXX I was told the car was {$5900.00} and yet after review of my contract on the Credit Acceptance Corporation website it states the vehicle price as {$7900.00}, a {$2000.00} difference, as well as signing an opt out agreement for an " extended warranty '' and " Gap Coverage '' yet after review of my contract I was charged {$1800.00} for the extended warranty service and {$1500.00} for the gap coverage. 

So combined I was overcharged {$5300.00} plus the sales tax, finance charges and whatever other fees came from it. I understand CAC can only go based on the information provided to them, so I'm submitting documentation as proof, so they may review during the process. 

Thank you, 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 2022-01-25
Company: Experian Information Solutions Inc.
State: MA
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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2023-01-25
Company: Experian Information Solutions 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:
To Whom It May Concern, The following account was listed as charged off as of XX/XX/XXXX by XXXX XXXX, Since then, the account has repeatedly been updated as charged off ( c/o ) several months after original charge off. This is an update in the payment history. I understand that charged off accounts should not include any active payment history. This falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : 1. { XXXX XXXXXXXX } { XXXX } Opened XX/XX/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 2019-10-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am looking at my credit report and notice on XX/XX/2019 from I am being hit with a hard Inquiry from XXXX XXXX. However I didn't authorize anything with XXXX XXXX. Unsure how this happened but this was fraud, someone trying to use my identity. This is appearing on my equifax and XXXX but it is inaccurate. I am looking for this misunderstanding to be removed from equifax, XXXX and any other credit agency showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$820.00}.

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
Consumer complaint received 2022-01-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payment son a Parent Plus loan with Navient for many years. I have made additional principal payments that were applied to interest instead of the principal. I called them numerous times over the years, but nothing was ever done to correct the payments. 
XXXX payments that should have been applied to the principal were applied to the interest instead. 
I payed off the loan in full on XX/XX/21 with retirement funds when my husband was laid off due to COVID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Circle Internet Financial
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, good morning, we have a problem with the company Cicle Internet Financial cervice LLC because we sent you 18 days ago XXXX transfers for the following amounts : XXXX usd date XX/XX/2023, XXXX usd date XX/XX/2023, XXXX usd date XXXX usd date XX/XX/2023 and XXXX usd date XX/XX/2023 for the exchange of USD TO XXXX XXXX 's technical support agents tell us that these transfers would be returned because you do not have the reference ID, but this has not happened and it has already been 18 days. We are facing lawsuits from our workers for not paying our company 's payroll. XXXX XXXX XXXX XXXX because XXXX has not returned the transfers. We request your support from the CFPB so that our transfers are returned immediately. Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?

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 2023-12-16
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We sold our house and was buying a new one. We went through the whole process and got our final approval and the closing instructions but after we signed the paperwork the mortgage company did not send the funds and they called us the next day and told us that they could not go through with it due to our previous mortgage apparently was past due by 120 days. I had been advised once the lender had gotten the pay off on our mortgage to not make any payments as this would alter the payoff amount and they didnt want that to happen. We had already closed on our home and are now homeless and living from house to house with friends and relatives with our XXXX children

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon making a minor change to a soft inquiry, I was supposed to be mailed a new credit report. 

I received TWO credit reports from Equifax, for two other people - one in NJ and the other in GA. I didn't receive mine. 

1. Calling Equifax, I asked to investigate where my credit report has been mailed to. They totally failed to provide information about this. I was told by XXXX XXXX that Equifax can't investigate this- Why- It appears that Equifax has breach MY credit file along with the two wrong ones they sent me at my XXXX  address. Does my address appear on the two wrong credit files breached from now on. - No answers from Equifax. Can I trust Equifax to mail me a new report? Will they breach me again along with other person ( s )?

2. Asked on what to do with the wrong reports- one agent XXXX XXXX said to mail them back and they will mail me a check for the {$50.00} to cover mailing cost. How can I trust them to do this as they would not give me a direct person and address at Equifax to mail them back XXXX. ( I live in XXXX XXXX ). 

3. Agent XXXX told me to destroy them. - Could I be subject to investigation for their credit ID theft if the two people filed police reports? I'm sure Equifax will cooperate with the police in this matter. Can law enforcement tell me where my credit report was mailed to? Will the XXXX  police come knocking at my door? 

4. Equifax would not tell me where they are going with the breached files? I did tell Equifax the confirmation numbers of the breached files. It seemed they didn't believe me or didn't care. I called XXXX, CO Police Dept. ( XXXX XXXX ) hoping they had answers. They didn't help much. 

5. I hope someone in law enforcement can help with this problem. I will give full details of the breached files to law enforcement. Please call me anytime day or night. I'm sure that the two people who Equifax mailed me would be relieved and I need help to find out about my mailed credit report sent to whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
On XX/XX/2016 There Was A Bankruptcy Filed And The Credit Bureaus Accumulated This Information Shortly After. I Have Had This Bankruptcy On My Credit Profile For 6 Years And Since Then I Have Been Denied For Almost Everything I Have Applied For Since Then. My Living Situation Has Changed Drastically Because Of This Bankruptcy On My Credit, And It Is Prohibiting Me From Moving Forward In Life Successfully. This Is Fraudulent And The Credit Bureaus Have Committed Several Violations According To The Fair Credit Reporting Act. I Myself Called The Bankruptcy Court And They Stated They Do Not Report Bankruptcy Information To The Credit Bureaus. I Have Never Given The Credit Bureaus My Written Consent To Furnish Any Of My Information Including Personal Or Credit Information On The Credit Profile That Has Been Created For Me. 

In Accordance With The Fair Credit Reporting Act, The List Below Has Violated My Protected Consumer Rights To Privacy And Confidentiality Under 15 USC 1681.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) 5 ) : 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 1681 ( a ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2022-11-09
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 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 items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXXXXXX 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 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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