BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX XX/XX/21 I made a purchase from XXXX for {$150.00}. On XX/XX/21 I contacted as the item had not been received and was told it had been delivered previously. I informed XXXX that I had not received the items. XXXX made suggestions to ask my neighbors if one of them may have picked it up. That would not have happened and they would not turn the packet over. The next day I called again and once more I spoke with XXXX who was rude and disrespected me like a common thief- she said the only way to get credit is to sign an Affidavit- The form was sent while I was away- A series of phone calls were made to them denying receipt of the affidavit. XX/XX/21 I sent a 2nd copy and followed up with a string of phone calls- again, they had not received any of the XXXX copies. XX/XX/21, XXXX and XX/XX/21 XXXX said they did receive the document, but nothing could be done pass XX/XX/21. Not once during any of the phone conversations was I told there was a deadline. I contacted and filed a report with the Attorney General 's office and they intervened on my behalf trying to resolve the issue- to no avail. XXXX XXXX XXXX XXXX and Comenity Bank. The bill is now {$490.00} or thereabout with no resolution. I have copies of the correspondences with myself, the Attorney General Office, XXXX, XXXX XXXX, and Comenity BankXXXX They are stating that I am responsible for the item once it has been mailed ; how can I be held responsible for something that I did not get. Further, the affidavit did not state a deadline to return the form. Recent correspondence received indicated that they had indeed received the 1st copy which they stated was unsigned. Yet all the time they were denied receiving any documentation. It took 58 days from Maryland to get these 2 copies to Texas. Am I to believe that our USPS is so broken. I would appreciate some assistance in resolving this matter. By their own admission 105 days I find that very difficult to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX I dont have any knowledge of this account. Please have this removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Milestone Parrish LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received notification of XXXX owed to Milestone Parrish Llc. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/2023 I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over XXXX years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I pay the outstanding balance of my Comenity credit card each month. I mailed a check for the total balance due on XX/XX/2023. I used my card and it was rejected. I called the Company and was told no payment was received and the card was placed on hold. 

I checked my account online and the XXXX payment had not been posted to the account. I spoke to the representative XXXX and explained my check was mailed XXXX. The date it was to be paid by was XXXX. Since I wanted to be able to use my card, the representative took my checking account information and paid the missing payment. I was told it would be a week before I could use the account again. In the meantime, I received the next month statement which had a {$25.00} late fee and {$40.00} of interest. 

Today I went online, and saw the payment I made on the phone on XXXX and also the payment I made on XXXX for the same amount .which was posted to the account on XXXX. Nineteen days after it was mailed. 

I called the Company today to try to resolve this. I want the late fee and the interest removed. I pay the bill the day received for the entire balance each month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
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:
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 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, 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed for XXXX XXXX and it was discharged in 2021 and the car was stolen on XX/XX/2021 .This company was ordered by a federal judge that this debt was discharged and a reaffirmation agreement was disapproved, copy attached.

Please 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 2021-12-04
Company: MRS BPO, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Someone has been repeatedly calling me from MRS BPO, almost every day and several times a day since XX/XX/2021. They never leave a message and have never sent me any correspondence as to who they are and why they are calling me. I do not have any delinquent payments nor is anything negative on my credit report so I'm not sure why they are harassing me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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, The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 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. 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. XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX DEPT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, U.S DEPARTMENT OF EDUCATION XXXX XXXX, XXXX & XXXX XXXX XXXX # XXXX, DEPT OF ED? XXXX # XXXX, DEPT OF EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF EDXXXX # XXXX DEPT OF ED/XXXX  # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / 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 2023-07-06
Company: Experian Information Solutions Inc.
State: CT
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:
Have requested to get me the proof that this is my account? So far Answer from XXXX XXXX or from Experian is only for one item which was deleted but same time another account there is no report and still showing in my report. 

I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX XXXX Unable to write to them or call them There Calling center is closed. only one issue has been resolved report XXXX XXXXXXXX for XXXX XXXX XXXX What happened to another discrepancy for the almost same amount from XXXX XXXX? My complain was for both items to be deleted or proof to e provided. 

So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and XXXX also lower my Fico scores. Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? Respectfully, 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 2017-05-15
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: Old information reappears or never goes away

Complaint:
M y credit score dropp ed overnight from  XXXX  to  XXXX . I reviewed the information and found that Transunion was who dropped the score. I reviewed the information through a free credit report and found that an old debt from  XXXX  was reported. I have paid the amount off many years ago, around  XXXX , and the information on the report was also inaccurate information. This information was the direct source of my credit being effected immediately, and the cause for the  XXXX  point drop. My complaint is, a credit reporting agency knows the laws and should not have even put that on my credit because of the time restrictions.   I disputed the information and the information was removed and my credit raised back to  XXXX .   Transition should held accountable because they violated the law by posting the incorrect information that affecte dly credit score. Had  I not been diligent in my personal efforts, this would have been left unattended and had an impact that was not fair. I should not have to do their job for 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 2023-10-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and noticed I had a collection from ( IC Systems , INC XXXX XXXX XXXXXXXX  ) that was opened in XX/XX/2023 for {$1400.00} with account number starting in XXXX that I do not recall and am not liable for. I never entered into a signed agreement or completed an original contract with them. This is fraudulent and a violation of my rights. This inaccurate collection is not mine. If you believe this account is mine, prove the validity. REMOVE FROM XXXX, XXXX and XXXX. I would like all collection activity to cease immediately and for this inaccurate and fraudulent collection to be removed from my credit report or I will file for litigation and report you to the CFPB and FTC. I sent letters to XXXX, XXXX and XXXX on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.

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 2023-01-09
Company: EQUIFAX, INC.
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act 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 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off a XXXX on XX/XX/20. I was told at the time that it takes some days to get it settled on their end and to give it until XX/XX/20. I called today XX/XX/20 and was treated very rude when inquiring about the status. I spoke with XXXX, XXXX, XXXX and XXXX. After speaking with XXXX today who told me it would be more time I asked to.speak to a supervisor. I got XXXX. Not only was her lying to me but he was very rude, got loud and ultimately hung up on me. He would not tell me his last name nor his supervisor. I want all the calls listened to!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX XXXX  to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX XXXX  every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
we have payed on the car for 3 years and still owe  XXXX  the car is only appraised at  XXXX   thur     XXXX   XXXX     now bridgequest how can they charge so much how can we pay fair market value without putting a bigger ding in our creditt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied and rece ived First Progress Card. Init ial  XXXX  paid by Bank card on  XXXX   XXXX    XXXX  . Paid remaining Bank balance of  XXXX  on  XXXX   XXXX    XXXX  .    Contacted First Progress  at  XXXX   XXXX   XXXX   XXXX  to ask for refund of my  XXXX  and to cancel the new card, I was instructed that I would only receive  XXXX  due to they ca n't find the initial payment on  XXXX   XXXX .   Both transactions are clearly on my bank statement which I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Ive sent several disputes to the credit bureaus in regards to my information being compromised my information was found in 35 unauthorized databases with my information. My social security was breached in XXXX  database as well. I filed a identity theft report with the FTC please find attached the identity theft 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 2022-03-15
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: Account information incorrect

Complaint:
Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX  XXXX  account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX Bank account XXXX 
3. XXXX XXXX on reports on Equifax that account XXXX  XXXX Bank pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX  is reporting XXXX  XXXX  XXXX Bank in different areas on the Equifax report.

5.XXXX XXXX is reporting XXXX XXXX XXXX  XXXX XXXX account . 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently.

6. Finally XXXX XXXX Bank is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, 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:
15 USC 1681a ( 2 ) ( A ) ( I ) late payment are not suppose to be report on customer report its against the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: First National Collection Bureau, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Closed on credit account back in 2012 and debt collector rude stating I owe and that they sent me documents and I never recieved. Charging me for debt over 10yrs old. that I already paid

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use my credit report.

Company response to consumer: Closed with explanation