BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$280.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX ( OriginalCreditoXXXX : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX FL XXXX XXXX ) XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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

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 2022-04-09
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.

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 2019-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a charge off account with XXXX XXXX. On XX/XX/2019, I paid the last installment to finish paying the account in full. The balance owed is at {$0.00}. The XX/XX/2019 status stated that the account is still derogatory and charged off. The derogatory remark should be removed and the account status should state paid in full.

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Today, on XX/XX/XXXX, at XXXX XXXX, I received a call from Bank of America number XXXX, which number I known because of the call from XXXX XXXX ' at first. We conversed regarding XXXX, which I had much problem due to the disappearance of my business website and email portal and still could not provide any solutions on these matters. Yesterday, I received the call from XXXX XXXX, whom I mentioned previous report regarding Resolution matter connecting your organization, CFPB. In today 's call, XXXX called me about the issue conflicting with my credit card ending XXXX. Since I was tired at that moment, I finished this call just acknowledging it. Now, I wonder she mentioned the card was closed in XXXX, even though I remember I saw the information of it until the beginning of this year and actually, I received a gift card by changing its reward to it and used it at XXXX XXXX. I can check the date of purchase, if necessary. And I received a email from XXXX, one purchase was denied, so I checked XXXX and found out other items in question were purchased by the credit card ending XXXX. I believe the card ending XXXX is usable to purchase my subscription item of XXXX, I will use as a payment method. However, still, I can not see the credit card information ending XXXX and want the replacement card, still. In short, why can I not see my credit card information, even though the charges are made at 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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting 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:
BANK OF AMERICA IS REPORTING AN ACCOUNT NEGATIVE ON MY CREDIT FILE AND SHOULD NOT BE THIS IS ON MY XXXX CREDIT FILE

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 2023-08-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Below is the email that I sent to the CHASE EXECUTIVE ESCALATIONS email. They reply and the. Called multiple times.

First the rep typed in the wrong case # on her inquiry and apologized for taking so long. Then she didnt send the request. Whoops. Then she will call me back and never did. 

How unprofessional! 

Explanation Below On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrote : Long story short I took out an ad program with XXXX. Their XXXX XXXX  is completely non-user friendly and I struggled even asking for help through XXXX  I got the campaign going. I took {$500.00} per month ( my entire ad budget ) from XXXX and started a ad with XXXX. Well what was supposed to be {$210.00} per month for two ads they ended up twisting it around and taking {$500.00} per day from my account. The moment I realized what they were doing I went into XXXX and deleted the ad accounts. I messaged support and they said they would get right back to me and NEVER EVER did. I then called Chase. Issued a stop payment. I disputed the charges. I was told by Chase that they would mail a form that I need to send back in. The lady told me I would have a provisional credit. No credit came. I called and they said they are waiting for the form. I got mad and said they took a substantial amount of money and provisional means while you get things resolved. Not provisional after you get a form mailed. We went back and forth. Finally I found the form since it DID NOT COME VIA US MAIL AS PROMISED. I emailed it, faxed it and emailed it to the local branch asking him to fax and he confirmed he received and faxed successfully. 

Finally I got notice that the claim was closed because get this. I never returned the form. 

I moved money from my savings accounts with chase. Small amounts totaling probably $ XXXX to another bank. 

I am infuriated. How dare your bank rule against me for such a ridiculous reason. I said the charges were not authorized in that amount. I would never ever authorize that dollar amount for a small family business. I am your customer. You should have stood behind me. It was important to me that chase had my back. But you completely added to the frustration and broke my heart. 

I need someone to take action! I need to see that I matter. 

Please respond. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Phoenix Financial Services LLC
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:
To Whom It May Concern, I am writing regarding the unpaid debt on the derogatory account listed above, which I dispute and attempt to correct your records. I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary. Please also be advised that non-compliance with my demands, could put your company in serious legal trouble. 

According to the FCRA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me " under penalty of perjury '' with the following verified documentary evidence of alleged debt : Please provide a verified copy both front and back of the alleged original contract / agreement / promissory note in its entirety. including any application. accompanied by a commercial affidavit sworn to be true. correct. and complete. upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged creditor who states that he/she has personal first-hand knowledge that said front and back verified copy is that of the original alleged contract agreement / promissory note ; Provide verification and documentation that there is a valid basis for your firm 's charge-off of the alleged debt. For example, can you provide a copy of the written agreement that created the requirement to pay and stipulates your terms for a delinquent account? 
Please describe in detail your firm 's charge-off procedures as they apply under the Sarbanes-Oxley Act of 2002 ( Pub.L. 107-204, 116 Stat. 74 ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that ; 5. Please explain how the added interest, fees or other charges are expressly authorized by the consumer agreement, creating the debt and permitted by law ; 6. Please provide an itemization showing the dates and amounts of each reduction or oavment were accrued in your firm 's procedure, authorized by the consumer agreement and creating the debt or permed by law, 7. Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, or an Insurance Claim ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

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 2022-04-09
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
My monthly is payment is due the XXXX of each month. According to the comp at a grace period is provided, however the company begins to call on a daily and multiple times a day before the payment is due. According to them they need to start collecting payment before the due date. Additionally when they call after the due date, they indicate a payment is due before the end of the month, which is before their grace period, otherwise it's negative reporting. This lender has also called references on my application, again before the grace period is up. This lender will not take a payment arrangement. They indicate they need my banking information right than and there to make the arrangement. I have previously spoke with their store manager and he has informed he is not sure why these are the calls I'm recieving, however the calls have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Based on US Bank 's response to complaint XXXX and the refusal to issue opening bonus to my checking account, I would like to close my banking relationship with US Bank . However, there seems to be no way to initiate account closure online or at least I could not find a way. Please close my checking account and both my US Bank credit cards. Thank you.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX Closed 13potentially negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount 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 2022-04-09
Company: Experian Information Solutions 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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX is both identfied wrong on my credit file it should br XXXX XXXX not XXXX the correct listing is XXXX XXXX and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks

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