BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
So I paid my balance off in XXXX of 2022. I paid what the statement said my balance was thinking that my account was paid off. Apparently 2 weeks after I paid my balance there were additional finance charges in the amount of XXXX charged to my account in XX/XX/2022 which I did not expect since the statement said what my balance was. Now I have been charged late fees since in the amount of {$150.00}. I had no idea that there would be additional finance charges so I never even thought to look at this account again until I started getting collection calls in which I called one of the numbers back and they told me not sure why I was getting calls because my balance was XXXX. Well the supervisor I spoke to tonight said he has no recorded calls that I spoke to anyone. The person I spoke to looked up my account and said XXXX balance. So now I am stuck paying all these late fees and he refuses to take any off. Very tricky when you think you pay your account off based on what the statement balance is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date 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
Consumer complaint received 2021-03-08
Company: Resurgent Capital Services L.P.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was loan {$8000.00} from XXXX XXXX and was paying them {$370.00} a month for more than a year, I got sick and had to have XXXX XXXX. they sold my loan to ( LVNV FUNDING LLC ) for the amount of {$8100.00}. What I had them all that time could not have been all interest payment.I like to know what happen to the money I paid XXXX.And why did they sell more than was borrowed. What happen to the Money that was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: GA
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 am writing to inform you that I recently discovered my personal information was sold and illegally bought because of Equifax data breach.

I would like these items listed below deleted from my credit report effective immediately. I am including proof that Equifax has admitted that I was in fact a victim of the data breach. Equifax has done nothing. I am asking for help to delete these illegal inquiries from my credit reports listed below 1. Inquiries XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 2. Inquiries Equifax Mortgage SER XX/XX/XXXX was not authorized by me. Please Removed XXXX. Inquiries XXXX XX/XX/XXXX was not authorized by me. Please Removed 4. Inquiries XXXX XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 5 Inquiries XXXX XXXX XXXX XX/XX/XXXX was not authorized by me. Please Removed 6 Inquiries XXXX XXXX XX/XX/XXXX was not authorize by me. Please Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with capital one. During the hurricane capital one put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called capital one this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those two months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please mam to remove those two closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, mam, then why was I put in a program to get help from capital one during these difficult times. So basically, capital one is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a 100 percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and capital one dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of capital one, ceo of capital one put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I called HomeLoan to check on my mortgage. It says I owe for XXXX however I thought I made XXXX payment. I asked if they could send me something showing how these payments were done. Instead the rep says I could download it. Its still unclear. Instead you get snide remarks instead of assistance. I was told that if the payments werent made theyll start the foreclosure process. All I asked was if they can look into the payments because I do see reversals and I know weve made a few payments in XXXX. One was reversed due to a bank error which we made them aware of. I want to be sure the payments were applied correctly so that I can make the proper steps. Thats my whole purpose of calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX 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 ok payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Turning Point Solutions LLC
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received at phone call to my cell phone number XXXX at XXXX from a gentleman whom claimed to be calling to collect a debt from XXXX XXXXXXXX in the amount of {$410.00} he advised he needed to verify the last four of my ssn which he was correct, he then proceeded to say how can we take care of the balance i advised him that i would like a letter sent to me he advised he would do it through email and asked for my email address, when i received the email it came from XXXX there was a phone # to call XXXX also a letter attached, on the letter its not signed by corprate office or anyone from that company it does not disclose any options to dispute debt just states federal law requires we notifiy this is an attempt to collect a debt by a debt collector any any information obtained will be used for that purpose. states creditor is XXXX XXXX orginal creditor XXXX XXXXXXXX orginal acct # XXXX ref # XXXX. i then called the place where i took out the loan at XXXX at XXXX spoke to XXXX whom advised that there is no debt owed that it was XXXX and company paid it she then advised me to call there corp office so i did that at XXXX XXXX XXXX XXXX the woman i spoke with advised me that she has same system as XXXX so if XXXX is not showing a balance then there is no balance owed. she googled the ph # and info regarding Advanced Captiol Solutions and she advised it was coming up as a fraud ph # and to file a complaint with the CFPB, which i am doing now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is information from XXXX XXXX  ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Regional Management Corporation
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft please remove this fraud inquiry 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 2022-10-14
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I received an email from the XXXX XXXX saying that my subscription was expiring and would automatically renew if I didnt cancel. 

Not wanting it anymore I called the number. They said that my account had already been charged but since it was less than 24 hours they could refund the {$420.00} To do so they had to access my online banking account.I accessed the account at a hospital computer where I work. They created a window that allowed me to enter {$420.00} Cleverly ( on their part ) the number went to {$42000.00} and could not be reversed. In an instant {$42000.00} appeared in my checking account. I really do not know how they were able to add {$42000.00} to my checking account in an instant. 

To fix things they asked that I wire {$42000.00} minus {$420.00} to them On XXXX XXXX I spoke with the teller at US Bank XXXX XXXX XXXX ) to organize the wire for $ 42000.He said he would do so and that it would go through the following day and that he would let me know when it went through. 

Turned out the wire went out overnight with no oversight from the bank. Both myself and the teller were surprised by that. How can someone wire so much out of my account like that? 

Furthermore, I did not receive a text asking me to confirm/ verify the wire which, according to the bank manager, XXXX XXXX XXXX I was supposed to get On Monday XX/XX/XXXX, the balance of {$16000.00} was supposed to go out but fortunately this was picked up by the fraud department. They called me and told me that money from my HELOC had been advanced to my checking account. We immediately stopped that wire. 
Why did the fraud department pick up fraud on the second wire and not the first? Why wasnt the first one stopped? 
WHY WAS I NEVER INFORMED THAT MONEY CAN BE WIRED DIRECTLY FROM MY ONLINE BANKING As far as I knew my account was NOT set up to wire directly. ( Another manager XXXX who has been promoted in US bank admitted to XXXX that it was initially not set up like that but that fact is being ignored ) I always had a bank official set up a wire- they can check my history!! 
They changed that capability without telling me In my lawyers opinion, US Bank should have called me immediately when they noticed a change in pattern ( sending a wire personally )

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 2022-12-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX of 2022 a fraudulent charge appeared on my Wells Fargo checking account. On the same day XX/XX/22 I reported the fraud to Wells Fargo and asked that they close the account ( attempt XXXX ) they informed me the pending fraud MUST be addressed prior to the account being closed, which would take XXXX days. I waited the XXXX days, when Wells Fargo notified me that the fraud was not posted, so they finished their investigation. At this time I called the bank to close the account ( attempt XXXX ) and I was told there was a pending charge, and they referenced the prior fraud charge, which I told them had been addressed. I got XXXX different responses ; XXXX ) The is the SAME fraud as before, and it should not have been closed. XXXX ) It was fraud again on the same account, same amount, XXXX days later. I don't know what statement is true, but I was unable to close the account again. I waited for the fraud to be investigated again, and then on XX/XX/22 I made an appointment with XXXX XXXX at Wells Fargo to close the account ( attempt XXXX ). I let him know about the fraud and the issue, and he assured me he would be able to provide me the available balance of my account, and close the account same day. He told me the account would be closed, XXXX days later I received an overdraft notice, and understand the account was NOT closed out, and now additional fraud charges and fees are adding up on the account. Wells Fargo has not address the issue at all, and this is becoming unnecessarily difficult to close an account.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: AL
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. 

U S DEPT OF EDXXXX, Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

US BKPT CT XXXX XXXXXXXX, Account # 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to you with immense frustration and concern regarding my repeated attempts to address the fraudulent items that persist on my credit report. Despite multiple efforts to dispute and rectify this issue, the fraudulent items continue to damage my financial reputation, and I insist on immediate resolution. 

I have initiated disputes for these fraudulent items on numerous occasions and yet they remain on my credit report, causing distress and limiting my access to loans, credit cards, and other financial services. I have provided comprehensive evidence to support my claims during each dispute, yet there has been little to no progress in resolving this matter. 

The presence of these fraudulent items has had a severe impact on my financial life. They have significantly lowered my credit score, making it difficult for me to access loans and credit on favorable terms. It is my right as a consumer to have an accurate and just representation of my credit history.

I insist that you treat this matter with the utmost seriousness and urgency. I am enduring ongoing financial difficulties due to these inaccuracies, and it is essential that you take prompt action to correct the situation. I request the following : An immediate, thorough, and unbiased investigation of the fraudulent items in question.

Regular updates on the progress of the investigation.

Immediate removal of any inaccurate or unverifiable information from my credit report.

A formal, written explanation of the results of the investigation.

I trust that you will address this issue promptly and effectively. Failure to do so may lead to legal action to protect my rights as a consumer.

Enclosed with this letter, you will find copies of the evidence I submitted during my previous dispute attempts for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR 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

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 2023-07-25
Company: EQUIFAX, 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:
There is information and accounts listed on my Consumer Report that are Not authorized by me, which leads to Identity Theft. The information being reported are transactions NOT authorized by me.

Company response to consumer: Closed with explanation