BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My wife and I could not possibly be more disappointed in XXXX XXXX and Comenity Bank!!! We absolutely feel that we have been ROBBED of XXXX dollars or at least victims of fraud. 
My spouse had been a long-time customer of XXXX XXXX and felt that they delivered a high-quality product. In XX/XX/XXXX my spouse placed a telephone order for a bed through a XXXX XXXX retail location in XXXX, TX. My spouse was absolutely not advised of any special circumstances surrounding this order. The sales associate simply took the order and accepted our XXXX XXXX/Comenity Bank account as payment. The sales associate explained that the card would be charged when the item shipped. The associate did not in any way explain any special return or cancelation requirements associated with this order. Due to the excessive delay in fulfilling the order my spouse decided that she would prefer alternative solutions. 
On XX/XX/XXXX in the evening my spouse called XXXX XXXX to cancel the bed that had been ordered in XXXX. The initial person my spouse spoke with told her that she could not cancel the order. Again, this is absolutely the first time anyone has told my spouse that this order had special conditions associated with it. My spouse ask to speak with a supervisor at the call center. My spouse spoke with a supervisor and the supervisor cancelled the order ( supervisor did not mention any penalties associated with canceling ). 
On XX/XX/XXXX I opened our Comenity Bank/XXXX XXXX account statement. I noticed a charge and a credit both on XX/XX/XXXX that left a balance due of XXXX. I called the number listed on the statement and spoke with XXXX. After 43 minutes on the phone, XXXX simply stated that the bed had shipped on the same day that we canceled the order. XXXX was not rude nor unprofessional but was obviously not helpful from my perspective. I ask several times where I could complain about not being allowed to dispute the charges and complain about the banking/credit method. Ultimately my call was transferred to a team leader by the name of XXXX. XXXX was apprized of my complaint. XXXX was matter of fact and said that we should not have been able to cancel the order at all and that we were fortunate to have the amount credited because we should have received a store credit and not credit returned to the account. Again, the first time we were ever told that special circumstances were involved with this order that would result in monetary loss was on XX/XX/XXXX!! I followed up with XXXX asking who I could complain to about the Banking practices that I felt were wrong. XXXX said she did not know what agency I could complain to about the banking practices. XXXX said if I wished to complain in writing to XXXX XXXX I could find a link on the website ( I was not able to find any link to communicate on the website!! ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
as of XX/XX/XXXX this year 2023  Chase bank ( jp morgan ) double charged my wife 's ( XXXX XXXX ) bank account in the amount of {$1100.00}, my wife did not have the funds for which Chase bank transferred the fund twice ( double payment ) on XX/XX/XXXX of this year 2023 resulting in a tranfer to my checking account of {$2200.00} from wife 's account. We contacted Chase bank both myself and my wife and notified Chase bank on XX/XX/XXXX of this year 2023. Chase bank declined acknowledge their mistake, instead Chase bank was blaming us their customer for their own mistake then Chase bank credited my wife 's account in the amount of {$1100.00} on XX/XX/XXXX of this year 2023. Chase bank then cause my checking account to go negative- {$10000.00} on XX/XX/XXXX of this year 2023. Again i contacted Chase bank and was advised i caused this issue, again Chase bank did not acknowledge their mistake and Chase bank did not warn me or let me know other charges would be returned. This happened after i made my credit card payment to XXXX  XXXX on XX/XX/XXXX of this 2023 the funds were taken out by Chase bank on XX/XX/XXXX of this year 2023 causing my account to be negative but that charge was returned never credited in my account and Chase bank also charged me insufficient funds fee of {$34.00} for that transaction but the fund of {$450.00} from XXXX  XXXX was never returned by Chase bank back into my account. Today XX/XX/XXXX i called Chase and again they were accusing me of causing my own account to go negative. I don't understand how Chase can take advantage of their customers with their own mistake, they need to return my funds of {$450.00} immediately and without excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Exeter Finance Corp.
State: TX
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the XXXX data breach claim and remove the following accounts and inquiries 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 2022-10-15
Company: Radius Global Solutions LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX balance {$130.00} Radius global solutions balance {$110.00} In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-10-30
Company: Experian Information Solutions Inc.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-02
Company: EQUIFAX, INC.
State: TX
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 NOT HAPPY that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
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:
These are not my accounts. Please remove them.

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: TX
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 2021-05-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Funding continues to send me collection letters, call me from random numbers and show on my credit reports but I do not have an agreement to pay them, nor have I entered into a contract with this company. I have repeatedly requested the credit bureaus to remove the inaccurate information as I have never owed and do not now owe Midland Funding! If I have bad debt with another organization, they need to contact me for settlement, not this company. Why would I agree to pay a company I have never entered an agreement with? Allegedly, they are debt buyers and purchase unwanted or written off debt from other companies - THATS THEIR PROBLEM! How can you collect money on behalf of someone else? Excuse me, you didn't pay XXXX 's so I went ahead and paid some of it so now you owe me? NOOOOOOOOO If this does not disappear from my credit report, I will be suing this company!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: CITIBANK, N.A.
State: AP
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:
A government travel card was issued through CITIBANK by the US XXXX  to use during official government travel. I was unaware that any further payments were due and thought it was paid off until I received a bill in XX/XX/XXXX after a last payment was made in XXXX XXXX. The bill was for the entire amount of the card, since they were unwilling to do monthly installments or payments and had incurred late charges. After being locked out of the account and being stationed overseas, I was finally able to make a partial payment that was worked out with CITIBANK on XXXX XX/XX/XXXX for {$1300.00}. However, this was not processed and on the statement read returned CK PAYMENT even though it was paid via phone with a confirmation email provided. Since XXXX, I have been XXXX leaving my wife a POA for my finances that are not joint. I assumed that my wife was successful in making a full payment to pay the card off on XXXX XX/XX/XXXX since the account reads " success '', but nothing has been withdrawn from the checking account. My wife attempted to call the agency and representative XXXX ( # XXXX ) would not help her or accept my POA unless I could FAX the documents. Having no access to a fax machine I am left helpless since the internet is down on my XXXX  and unable to call in and complete this on my own. This company has been completely irrational with their payment demands and down right shady when consumers are attempting to make payments. There is no excuse for this lack of flexibility when working with military spouses especially when they are trying to solve problems for their XXXX spouses who have more important things to focus on.

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 2023-08-02
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
XXXX XXXX2022, car was paid off to XXXX. XXXX XXXX has reported to only one credit agency that the payment was settled as agreed and has reported, kept the report, as a charge off on 2 other credit agency lists. XX/XX/XXXX update to my report : it says, paid in settlement XXXX written off. The correct thing is to have it show, paid. XXXX balance. That is what an employee of the creditor told me it would say. I have his name and phone number if it heIps. have disputed and sent emails and called XXXX to request my credit be corrected and updated and if unable then want it removed. nothing has happened and I have been denied a mortgage because of the charge off status. i have the letter from XXXX XXXX and XXXX stating account is closed and paid. what more proof is needed for the agencies and companies to correct their error?

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: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Subject : Discover/XXXX Restriction XXXX Discover deliberately restricted access to money transfer feature, XXXX, for many Cashback Checkings account holders with no upfront announcement prior to system maintenance. Features were limited and unable to be used several weeks before formal announcement was made via email in late XX/XX/2022. Spoke with many Customer reps about issue on several occasions with no real explanation to issue ; Discover reps would continue to point the finger at other third-parties being responsible for the issues. During this system maintenance, the ability to use XXXX has been COMPLETELY RESTRICTED at ALL banking institutions ( not just Discover ) and many customers were unethically placed on XXXX Global Restriction [ derogatory negative reporting ] due to the actions taken by Discover. It has been nearly been 2 months since issue began and still no resolution. Discover continues to admit that the issue is with other third-parties ; despite them being entirely responsible for the amass issues they have caused for many other account holders. 

Here is a link to others experience on the issue : XXXX XXXX XXXXXXXX Finally, Discover needs to have some integrity and right these wrongs that they are solely responsible for. An Executive needs to step up and take responsibility for this fault and do the work to correct these unethical business operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions 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:
On XX/XX/2022, I sent a certified letter to XXXX, Experian, and XXXX. In that letter, I pointed out multiple violations and inaccuracies contained on my credit report from creditor XXXX, account number XXXX. The incorrect information being reported is coming from the same creditor, so why do we have such incongruent information across all three credit bureaus. Everything is all over the place, we have different date last active, we have a different date last paid, we have different credit limits, we have a totally incongruent payment history. My dispute dated XXXX XXXX, 2022 came back as verified from the credit bureaus but the violations has not been updated. 

The FCRA states that information being reported must be 100 % accurate and credit bureaus are prohibited from reporting information relating to a consumer that is known to be inaccurate, or that the reporting agency has a reasonable cause to believe 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 explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} 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 non-monetary relief