BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Bread Financial Holdings, Inc.
State: MI
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:
On XX/XX/2019, my wife, XXXX and I responded to an invitation from XXXX XXXX to meet in XXXX XXXX regarding signing up for a resort membership. We succumbed to the presenters ' blandishments and agreed to sign up for a lifetime, bequeath-able vacation package. The up-front fees were {$6000.00} which we tried to pay with our own existing credit cards. The presenters insisted that we use one of their own proffered credit cards issued by Comenity-XXXX   Rewards Mastercard. 
The Card numbers were XXXX for XXXX XXXX and XXXX for XXXX XXXX. 
These were presented as " no interest for six months '' cards but later it transpired that that promotion was only applicable based on a monthly minimum payable due on or about the XXXX of each month. 
Accordingly I had set up two auto-payments per month from my bank for each of the cards. In a display of gross in-efficiency the bank applied both those payments to the same account and to compound that in-efficiency or perhaps mal-feasance, it even charged a late fee to the account to which the payment was not applied. After much effort and several calls to the bank 's customer service department I was able to get the two payments applied to the accounts they were intended for and also have them reverse the late fees. 
On XX/XX/2019 my bank, XXXX XXXX, mailed out the entire Principal Balance due on those cards, the statements for which had a due date of XX/XX/2019. It would appear that the payment would have reached COMENITY by that due date. Unfortunately, the payment was posted on XX/XX/XXXX, enabling the payee to assess a significant LATE FEE on the statement for a due date in XX/XX/2019. I had no control over the posting date by COMENITY. Since then COMENITY has been charging a Late Fee in each month and adding a Minimum Interest payment on those illegitimate Late Fees. At this point that bank is demanding {$140.00} and {$140.00} on each of the cards. These amounts are comprised only of LATE FEES and ACCRUED INTEREST on those LATE FEES making such Fees a considerable source of Income for the Bank which is refusing to reverse the initial fees assessed on the XXXX payment. I have made that request at several management tiers of the bank. In hind- sight I believe that the bank deliberately delayed posting the XXXX payment merely to have justification to assess those fees. I reiterate that the entire Principal Balance has been paid off and the balance now being demanded is only the snow-balled total of Illegitimate late fees and interest on those fees, thereby compounding the mal-feasance of this bank. 
It is requested that the COMENITY BANK be prevailed upon to reverse those charges under advice to the Credit Bureaus which have marred our credit scores

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Submitted complaint to Transunion LLC. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). 

Due to request being > 1 month old, legal process to remove the information has begun. 

Third parties involved : 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 2022-03-14
Company: P&B Capital Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account P & B CAPITAL GROUP LLC with a balance of {$3800.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
A person called me representing my mortgage company and gave me his name and said he modified my loan and gave me my new mortgage amount he told me to pay at XXXX because I would receive a receipt so I did but then I get a call from my mortgage company saying that had no record of any transaction and no knowledge of the person I spoke with. They didnt even want to know his name or how much I paid him..this happened twice I didnt pay the second time. Both times it came up on my phone as calls from 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 2023-07-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-03-27
Company: EQUIFAX, INC.
State: TN
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NJ
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 have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ILLEGAL LOCK OUT, EVICTION AND CONSTRUCTIVE EVICTION HAVING CAUSED HARM AND INJURY DUE TO LOSS OF USE OF OUR HOME, LOSS OF ALL PERSONAL FURNISHINGS AND PERSONAL PROPERTY, DAMAGE TO OTHER PROPERTY VEHICLES. IRREPLACEABLE AND VALUABLE PERSONAL BELONGINGS THAT WAS REMOVED FROM THE HOME. MISSING NUMEROUS ITEMS THAT WERE NOT FOUND IN THE HOME NOR IN THE YARD WITH BELONGINGS AND FURNISHINGS THAT WERE DISCARDED. 
FORECLOSURE AND REMEDY IMMEDIATELY! 

After being away from home for a while due to family medical, we arrived at the property in XXXX XXXX, PA on XX/XX/2020 and realized that we were Locked out from entering our home. Our home was not abandoned. We have loss of use and loss of our personal belongings and no response from the bank, ombudsman, or the law group except to give the new lock box code after we have changed the locks on the home. I AM NOW LOCK OUT AGAIN! 

The photos, and emails that are attached and are filed with the complaints, have been forwarded to all the parties involved Select Portfolio, XXXX XXXX XXXX XXXX /Foreclosure/Eviction and the Ombudsman of Select Portfolio as is noted on the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Carvana Group, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/2020 I completed a trade in with Carvana and was given a non-resident XXXX   temp tag and registration and I reside in XXXX. Upon receipt I realized the temp plates were already 3 days old. My problem stems from the fact that Carvana failed to disclose that the transfer of plates and registration would take 6-8 weeks, which would be a deal breaker to me due to the fact I would be illegally driving this vehicle for a possible 25-30 days. When speaking to a Carvana Rep she stated the companies position was, sorry but there's nothing we can do for you. I suggested a rental, and was rebuffed. Full disclosure could have prevented this oncoming catastrophe, with no relief in site. Have no alternative but to knowingly break the law with expired tags and pray if caught the legal consequences are not too severe. Worst of all is their position on the matter, totally uncaring and remorseless, for this abominable business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I would like to make a complaint about Bank of America EDD card locking me out for a full year for no reason. I have documentation of everything I tried to do and was told to do that didn't help. How many hours and days turned into months on the phone trying to get help. I developed XXXX over it. I have never in my life made a complaint or received benefits. The dishonesty on such a large scale has me viewing my world in a way that I can no longer trust anybody. I have since lost everything I worked so hard for. I had to sell everything to keep a roof over my husband who was hospitalized and received a XXXX XXXX at the same time the bank and the employees would help me get to anybody to fix the issue with my debit card. I questioned my own mind thinking I didn't know my own phone number is how bad it got. Now that we my husband and I are in a better place... Not our home we worked so hard for but alive I want to be completely covered with all the damaged by holding back what I was untitled to. 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 explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MI
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 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 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 2023-05-24
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

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 2023-01-11
Company: EQUIFAX, INC.
State: VA
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, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was sent money to help in these difficult times about XXXX in the XXXX XXXX venmo and was unable to transfer to my debit card, contacted customer support multiple times and they were unable to fix/help with the problem, they said to link my bank account and do the standard transfer to my bank account unfortunately i was unable to even link any bank account manually with the routing number or with the plaid system they had in place to link my account on top of that i was not even able to add my information to verify my identity and was repeatedly given the message that there was an issue or things werent working message for days. There was no option to retrieve the money sending or transfering and repeatedly told im so sorry but unfortunately theres nothing we can do except escalate your account and to wait for an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: AZ
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 received my detailed credit report XX/XX/2023 and notice there were hard inquiries that do not have permissible purpose being on my credit report. These inquiries are hurting me as a consumer. I contacted XXXX, XXXX, Equifax to remove the inquiries on my credit report, after multiple attempt to informed XXXX that the inquiries were not approved by me, and I had no knowledge of applying/approving hard inquiry, XXXX, XXXX, Equifax still refuses to remove the hard inquiries. XXXX has violated my rights under 15 USC 1681b. I am requesting XXXX to remove the inquiries ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is 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. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2020-12-14
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the Equifax data breach and this may be the way my information got into the wrong hands

Company response to consumer: Closed with explanation