BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-12
Company: Bread Financial Holdings, 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:
THIS IS A COMPLAINT AGAINST COMENTITYCAPITALBANK/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA MANAGER XXXX XXXX. I HAVE BEEN TRYING TO REBUILD MY CREDIT AND HAVE MADE GOOD PROGRESS WITH OTHER COMPANIES EXCEPT FOR THIS ONE. I HAVE MADE ARRANGEMENTS TO MAKE XXXX MONTHLY PAYMENTS ON A BALANCE OF XXXX. I HAVE MADE 2 PAYMENTS -XX/XX/20-XXXX,XX/XX/20-XXXX. I HAVE CONTACT ALL 3 CREDIT REPORTING AGENCIES THAT MY BALANCE IS INCORRECT AND I WAS ADVISE THAT THE COMPANY REFUSE TO RESPOND. I THEN CONTACTED THE BANK ON XX/XX/20 AND SPOKE TO THE MANAGER XXXX AND HE REFUSE TO STATE OR REPORT ANY PAYMENTS OR BALANCE UNLESS I PAY OR SETTLE THE ACCOUNT IN FULL. I ADVISE HIM THAT ALL THE OTHER COMPANIES REPORT MY PAYMENTS AND BALANCE. HE AGAIN REFUSE TO REPORT CORRECT INFORMATION WHICH I HAVE THE RIGHT TO DISPUTE THIS ACCOUNT. I ADVISE HIM TO CANCEL ANY FUTURE PAYMENTS I HAVE AND I BELIEVE HE AND THE COMPANY VIOLATED THE FDCPA AND CONSIDER THIS ACCOUNT PAID IN FULL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06
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:
XXXX deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to XXXX and the cpfb. 
My last payment was in XXXX they have written to cpfb and XXXX I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification 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 2018-02-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
1. On Wednesday, XX/XX/XXXX at XXXX XXXX  I received an email notification that my Citi Double Cash Card had been compromised with suspected fraudulent activity. A purchase in the amount of {$300.00} was attempted on XX/XX/XXXX but was denied. The email prompted me to select if I recognized the charge listed ; I selected " No ''. That same day I received multiple telephone voicemails repeating the same message, notifying me of the attempted fraudulent charge and asking if I recognized it. On at least one occasion I confirmed via telephone that I had not made this charge. 

2. Friday, XX/XX/XXXX I received e-mail confirmation that my account had been closed due to a lost or stolen credit card and that I would receive a new card for my new account on Saturday, XX/XX/XXXX. I received both the XXXX   Shipment and Delivery notifications for said card via email, as well as text messages with identical messages. 

3. On Saturday XX/XX/XXXX I received a replacement XXXX Double Cash Card. The name and account on the card DID NOT BELONG TO ME, though I had an option to activate and use the new card as my own via telephone. I immediately spoke with Citi customer service representative that evening. I was told to discard of the 'replacement ' card and that a new one would be issued and delivered to me by Monday XX/XX/XXXX. 

4. On XX/XX/XXXX at XXXX XXXX I received an e-mail stating my 2nd replacement card would not be delivered to me until XX/XX/XXXX due to a service delivery. 

5. I did not receive my card XX/XX/XXXX. I spoke with a customer service representative this evening who stated my 2nd replacement card was shipped on XX/XX/XXXX ; however, I did not receive neither e-mail nor text message confirmations of even the shipment of this new card, unlike the time I received the wrong card.

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 2023-01-24
Company: Business Credit Management Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/ from Pinnacle Management Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Left Voicemail Message ( XXXX ) XXXX Account # XXXX Due to XXXX XXXXXXXX XXXX had to adjust payments to XXXX XXXX. In XXXX  all insurance from XXXX XXXX XXXX XXXX as paid to XXXX XXXX XXXX XXXX. I have paid my full out of pocket and XXXX covered all other medical costs including any appealed items. 

As of XX/XX/ I was told my total amount due is {$75.00}. 

I should not receive any collection calls or letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  placed a collection on my credit. It showed up on Transunion XX/XX/XXXX ( score increased by XXXX ) which made no sense-I called XXXX XXXX and first rep who could not locate the account told me to file a dispute, so I did. I called back after thinking about what she said and asked for a manager-he located the accounts, and I paid the balance XXXX in full. on XX/XX/XXXX my score went down again by XXXX pts and note by transunion said no change. XX/XX/XXXX score went up XXXX pts as XXXX XXXX  marked collection as paid in full. The dispute I filed ( mentioned above ) was completed on XX/XX/XXXX and the collection account was deemed valid with a balance of XXXX in error and my score decreased again by XXXX points. I contacted transunion they told me to contact your office-I also XXXX XXXX 2 times and they advised it was an error and they would remove it. So finally, transunion removed it and my score went down again by XXXX points note listed account collection removed. I have not been able to resolve this and I feel the point calculations are unfair and inaccurate. I need help please

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 2022-02-13
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
See attachments : *8 pages from Loan Depot stating the same statement " further research time '' *New document since last request for help -- IRS 1098 showing payoff and remaining balance of {$0.00} and reporting {$460.00} less payoff amount from Loan Depot 's original document " Thank you for your payment '' dated XXXX. NOTE : IRS 1098 form shows late payment also paid. Once again, " Thank you for your payment of {$50.00} late payment paid XXXX *What other research do they need? Loan Depot 's own admission three time states that loanXXXX is paid in full. ( page 16, page 2 and 3 ) *Document also attached from closing XXXX XXXX, payoff of XXXX XXXX as of XXXX $ XXXX {$170.00}, XXXX ( page 3 of attachment ) or reported 1098 form ( page 16 of 16 ) payments applied {$170000.00}, over reported of {$490.00}. 
*Loan Depot owes me {$6000.00} over payment *I am seeking an attorney for {$6000.00}, attorney 's fees and interest due since XXXX. Seeking attorney Monday XXXX, they have had enough time to so called " research '' *Can you help me? 
*Sending all documents to your address certified mail so someone will open and assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was totaled in XXXX of 2022 .Hyundai would not send XXXXo a pay off letter I fought with them or three weeks before they gave it to me and I had to give it to XXXX So XXXX sent them a check for what they said the payoff was. Then it took them three weeks to apply the money to my account so when I seen it payed off I seen a overpayment so when I called them they told me it would take 45 days before they sent me my money I told them that was not good enough so I got the XXXX  involved then they call me the next day and said they sent the refund to XXXX I told them that money was mine not XXXX I called XXXX they said the same thing the money was mine XXXX only paid what they said to pay

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 2018-08-20
Company: ACS Education Services
State: GA
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:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: ID Analytics, Inc.
State: OK
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:
I was denied a car loan on the basis of a credit score from XXXX XXXX. My XXXX score is in the XXXX 's. Not perfect, I am aware. However my XXXX score was XXXX. Their reasons were the age of my credit, and the balances, basically saying my credit was n't new enough. Considering I have n't heard of this credit reporting agency until after my loan was denied it seems highly unlikely that the problem is on my end. The 3 major bureaus I know of XXXX, XXXX and XXXX have my credit score somewhere in the mid to low XXXX 's. The whole purpose of me trying to get a car loan was to improve my credit score in order to qualify for an FHA loan. With this score way down in the XXXX 's it appears I 'll never have the opportunity to become a home owner.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: FL
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 has bought this account without consent from the consumer, it has been deleted from other credit accounts and i have disputed this on several ocassions, they keep updating the account as if it new to be able to hold on to the debt, this has been written off and now bought to collect from a third party which is illegal. the date on this collection is now XXXX XXXX :15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any 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 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to transuion and the cpfb. 
My last payment was in XXXX they have written to cpfb and transuion I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from Transunion!!!!

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 2023-01-24
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX every year continuously is going through new management and new renovations dust using the renters whos leaving with their fully term least being used adding additional damages and also acquiring renters insurance fully covered the unit theyre using this tactic to also generate revenue, and do minor fixes to damages thats concurrent throughout the whole property I had full renters insurance and completed my full term of the leasing contract however, this damages that I moved in was the same damages that was charge to me now spectrum palms of sunrise, Florida has credit me for a debt over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: AmerAssist A/R Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed the company, Amerassist, on my consumer credit report showing that I had an alleged account with them. I have never had any business with them, nor have I given any authorization for this company to furnish any information about me or my medical information to any third party. I attempted to contact them in good faith, however, they are still reporting this debt on my consumer report. Furnishing this information to a third party without my consent or approval is a violation of HIPPA laws and violations of the FDCPA and FCRA. This is my last attempt to amicably resolve this issue. If this is not removed in 5 days, I will begin legal action against Amerassist, along with the company whom they are collecting for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: 1st Franklin Financial Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  CC : XXXX XXXX XXXX   Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX  XXXX  XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX  To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX  RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once.

Best Wishes 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 2023-01-19
Company: WELLS FARGO & COMPANY
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 was a victim of fraud and my information was used for a student loan l'am still dealing with. And it has messed up my credit score

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Had a credit card using a savings account as collateral. The fees on the card and interest were so high I couldnt get it paid down. I eventually closed the card and used my savings account and then some to pay it off. It was supposed to help me build credit but nothing happened there

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 2018-03-13
Company: Experian Information Solutions Inc.
State: MS
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:
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2023, Transunion reported a data breach that was affected nationwide. It was reported with the Massachusetts Attorney General, when the company was subject to authorization. in a data Breach, Transunion reported that the Data Breach resulted in personal information such as names, addresses, drivers ' licenses being compromised ( the PII ), full social security numbers. This data breach affected more than XXXX XXXX Americans that are customers in the United States, and I am one of them. This data breach of my sensitive and personal information of all nine digits of my social security number with my name, birth date, address. is a violation of my statutory. and common law violations, under federal and state law, violations of the XXXX, CFPB, FDCPA the FCRA and Fair Business Practice Act. I was subject to a pervasive, substantial and imminent risk of my identity theft and fraud, now and for future to come. I have and will suffer mitigating injuries, this is a iron clad and concrete harm, there will be future third-party identity theft of my identity being sold overseas to hackers who will possibly make false accounts, drivers licenses, fake identities, frequently obtain identity 's, loans and destroy my life and could result in arrest from hacker from the TransUnion Data breach . Transunion failed to notify the consumer that a data breach, but lied an said it never happen but reported it to the Attorney General. This is a misrepresentation of their department policy, and violation of ( PII ) and failure to Safegard personal identifiable information. this provided valuable nefarious information to hackers. This is a violation of FCRA section 1681 - 1681x and a violation USC 1640. more importantly, me and my family was subject to XXXX disparities and discrimination because of my race. where TransUnion fail to notify the consumers because of the race. over XXXX XXXX Americans was affected. Allegedly did XXXX XXXX XXXX receive notice by mail or email.

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 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
- Without my knowledge and authorization, Bank of America charged me for the " Check Image Fees '' as " Bank Charges '' for the months of XXXX, XXXX, and XXXX of 2023, {$3.00} for each month with the total of {$9.00}. 

- Upon noticing it, I called the bank in the month of XXXX and asked for refund. Bank refused to return without any reason. 

- At the same time, I requested the bank to remove any online banking settings that would initiate such charges. Bank confirmed that they removed it. 

- There were no such charges for the month of XXXX, XXXX, XXXX, and XXXX of 2023. 

- Once again, to my surprise, the same charges were again applied to my account for the month of XX/XX/2023. These charges were not authorized by me. 

- I called the Bank of America twice to resolve this issue. The representative that I talked to were unable and unauthorized to remove these charges. They were also not able to connect me the supervisor or any other higher authority who can discuss this issue with me and resolve it. 

- I was left with no other option but to escalate this issue to all the relevant government authorities who can help resolve this issue. 

XXXX Bank of America chose to completely ignore me, I feel very helpless. That should not be the case. Bank should be held accountable for their actions. 

- I need someone to help me.

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