BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
We have been current on our car loan for a few months now. We disputed the correctness of the debt and the company sent letter agreeing they are reporting incorrectly. 60 day lates and repossessed. They stated they would correct this. They still have not after reporting 3 months in row. This has totally hurt our credit score or any chance at purchasing our home.

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 2023-11-05
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank processes XXXXXXXX XXXX credit cards. I had set up automatic payments through the XXXX XXXX website. I used my XXXX checking account. In XXXX, Comenity processed my payment but indicates they received a stop payment from XXXX. I did not stop payment. Comenity then sent a message indicating I had a message in their message center. I did not see that message until late XXXX when I received a XXXX XXXX message indicating my account was overdue. 

I immediately went online and processed a payment for the full balance and received confirmation. Today, I went to do my XXXX bill payments and realized there was no credit in my XXXX account for XXXX. I checked online and saw that the payment had been returned. Called Comenity and was told XXXX had returned the check. I called XXXX, and they had no record of any charges coming through that would result in a returned check ( I have overdraft protection ) and no issues with the account that would have resulted in the payment being declined. 

I called Comenity back and was told I needed to have XXXX send documentation indicating the information on the returned check. I pushed back because XXXX had no record of a returned check/payment or any item that would have had to be returned. 

Comenity indicated I must have put a stop payment on the account- which I did not do. The letter I received from Comenity indicated I requested to stop automatic payment but then the Comenity rep said they were stopped because of the returned payment. I did not stop payment to Comenity and XXXX has no record of any payment request coming in. I asked if Comenity shut down my automatic payments because I had not used the card for 9 months- they didn't respond but reiterated I would have had to do a stop payment or the account had insufficient funds -- neither was the case as confirmed by XXXX XXXX 

Comenity did waive the late fee but I was also charged returned check fees when there was no reason for the payments to be returned. Additionally, I could not use my primary checking account because Comenity would not allow it to be used until payments were good for 3 cycles- there was no communication regarding this until I brought up the earlier payment I had made today when I first called in. The first rep at Comenity took my payment and I left that call at least thinking the payment had been taken care of but, in pushing on why payments weren't clearing, was finally told they were not going to be allowed to go through. So, Comenity would, yet again, charge a returned check fee even though they knew it wouldn't be processed because of the situation.

It appears the payments never went out from Comenity to XXXX to be processed. What isn't clear is why the first one didn't go out ... that seems to have been the catalyst for the churn in their processes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was opened in my name in 2018 with the wrong address. I am being garnished for XXXX. I contacted my HR to find that Midland funding llc is collecting this money off of a fraudulent acct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a dispute with Bank of America under the claim XXXX XXXX, for an amount of {$1.00} because the seller never sent the item. 
I sent to the bank the receipt showing that the seller must sent the item in 5 business days by XXXX. 
But the bank rejected the claim saying that the purchase was made face to face, and I must check the goods on that place. But they didnt see that the store didnt have the items on the same place and they will send it later.

But they never sent it. I also opened 2 more disputes for the same merchant and those claims are closed and approved.

So it doesnt make sense to have one rejected and the others approved for the same merchant and situation. 
other case : 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 monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: WA
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:
My business partner and I had to permanently close our business due to our governor shutting us down during XXXX. Upon closing the business partner wanted to keep the XXXX XXXX credit card active for her to use. We contacted the XXXX credit card company and filled out the form to remove me as XXXX XXXX, then placed her as sole responsibility for the card. About a year later she started missing payments ( Job loss due to XXXX again ) and THAT is when I noticed my credit report score dropped from XXXX to XXXX overnight. Ive spent the last XXXX months trying to get XXXX XXXX correct this error. The XXXX credit card XXXX assured me its being handled each time I called them to say XXXX still seeing it on my credit report. XXXX is now not returning my calls. 
This erroneous XXXX information has caused my homeowners insurance to triple. XXXX XXXX XXXX veteran senior citizen on low fixed income and cant afford the tripling of my rates everywhere.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-01-08
Company: Experian Information Solutions 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:
Im making this short because Im being blocked on here accountXXXX XXXX  XXXX  allegedly openedXX/XX/XXXX/XXXX it got updated to stay in my report untilXX/XX/XXXX how is this possible with the statue of limitation clearly another violation

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 2023-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Complaint is with Chase Bank. 
I had thousands of dollars stolen from my checking account on a daily basis. 
I disputed the charges equaling about {$350000.00} [ if not more ] Transanactions were to ONLINE CASINOS which were not my purchases and Chase Bank Fraud Dept. REFUSED TO TAKE ME SERIOUSLY resulting to 70 % OF MY MONEY STOLEN all in a matter of 4 months.

In the beginning, i didnt realize large amounts depleating as i had just received a {$470000.00} accident settle back in XXXX and my hudband and i were making some very large purchases. When i looked at my checking balance, i assumed the money missing was us. 
It was not until XXXX when i finally sat down baLance my checkbook that transactions did not add up. 
I was charged {$46000.00} to a company XXXX XXXX which ive played before but NEVER would i spend anywhere close to {$300.00}! I did the research and discovered someone had stolen my card informatiom somehow as in 1 day over {$6000.00} was missing and not just with this one merchant ; But SEVERAL OTHERS ( XXXX, XXXX, XXXX XXXX, SEVERAL IN XXXX XXXX and even XXXX )! 
I IMMEDEATLY called Chase Bank ( XX/XX/XXXX ) to dispute these tranactions but nothing was investigsted. 
I summited police reports with my claims and still DENIED.

Chase approved only 3 out of 180 transaction made to XXXX XXXX {$900.00} and denied rest! 
{$46000.00} were denied and the claim was done the same day and the transactions approved were same timr frame and even the same day of XX/XX/XXXX where i have XXXX other transactions that were denued. 
I was asked to complste an adidavid for the {$900.00} dispute but not asked to do the same for the {$46000.00} yet again the disputes were in the same complaint. It clearly shows that chase bank picks and chooses what they will honor and the rest do not stand a chance as they get denued as soon as the file is made... neved investigated.

Chase bank denied every claim i filed and payed no attemtiom in protecting my account.

When the money was all gone- Chase Bank CLOSED MY ACCOUNT When i called to ask why- i was accused of frauding my own account which baffled me!

I submitted several police reports, Chase bank had no problrm keeping me as a customer until the money was gone and they protrayed me as a liability issye thus closing my account without notice. This is not cool and i feel chase never took my business serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX that I could no longer post on and they would not come repossess it. I owed about {$7700.00} on it. It was a XXXX  and XXXX. XXXX  I think.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent two separate letters on XX/XX/2023 and XX/XX/2023 advising of incorrect information to be removed with accounts that were inaccurately reporting. I asked for proof of those alleged accounts with my wet signature and if they were unable to do that, to please remove that misleading information from my account. The company sent a letter saying it was verified, with no proof, and they can not reinvestigate.

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 2021-01-06
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-01-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I made a purchase on XXXX which they cancelled. They refuse to help as does XXXX. Both told me to contact my bank. My bank is 5/3 and they are unreachable via the phone and no one either locally or on their chat will help me. I have been on hold 4 1/2 hours today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF ED/XXXX  Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous information.

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 2023-10-16
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On my credit report there is an auto loan from XXXX XXXX that I no longer have a vehicle in my possession from XXXX  also I am being called by United Credit Bureau collection daily for collection that I do not owe

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 2023-10-20
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i want to dispute all of this debt. I canceled my gym membership a while back and now im getting a letter that a owe them money when i was never noticed of this. The letter claims XXXX fitness retained a law firm called Aldous & Associates to collect the total amount as a result of my defaulted contract with the company. which makes no sense to me because you cancel my membership months ago and now im receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I paid via XXXX a refundable deposit at a car dealership from my Chime account. Provided that I didnt get a car, my deposit was supposed to be returned. After days of not getting my deposit back from the dealership, I opened up a claim via XXXX. While waiting on XXXX to investigate, I also contacted Chime support to file a chargeback. Chime quickly responded with a form to fill out. Around that time, XXXX responded to me about my claim which they escalated. Because I didnt want to cause any confusion, I didnt fill out Chimes chargeback form because XXXX had already escalated my claim. Weeks later, I received a random email from Chime stating that they gave me a {$500.00} provisional credit while they would investigate. Although a nice gesture, it was confusing because I didnt fill out the required form to do the chargeback since XXXX ruled in my favor a day before Chime gave me the {$500.00} credit. This is where the issues start. XXXX issued a refund on XX/XX/XXXX. Chime provided a credit on XX/XX/XXXX. I saw my balance reflect a {$500.00} increase. The same day Chime provided the {$500.00} credit, they literally took the credit back the same day, decreasing my balance by {$500.00}. It was almost as if they gave me the credit for an hour, then snatched it back. Thats not really the issue since I knew XXXX initiated the refund on XX/XX/XXXX, so I knew I would be getting my {$500.00} back. Or so I thought. Days went by and my balance remained the same before the credit/would-be refund from XXXX. Alarmed, I reached out to Chimes support. One agent said that he saw XXXX initiate the refund on the XXXX and that it would be reflected by the XXXX of XXXX at the latest. That never happened. Ive reached out to Chime several times, each time, I got an agent that repeated the same script. No one really tried to assist me. Ive had two agents claim that they sent my issue to the dispute department yet no one has contacted me. Ive reached out several times to no avail, while checking my account to see if I received my refund. No! Basically, Chime never gave me the refund XXXX sent to my Chime account. Chime gave me a provisional credit for hours then snatched it back, before I could even use it. This is unfair to have them hold on to the {$500.00} that XXXX returned to me. I can understand taking their {$500.00} back if they knew I would be getting {$500.00} from XXXX. What I dont understand is how they took their credit back yet never posted my actual refund. Its almost as if my XXXX refund went to Chime ONLY. Chimes only job was to give my refund to ME. Instead, theyre holding on to my money, refusing to rectify this by simply paying me what is owed to me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute a debt collection account that is appearing on my credit report. Under the Federal Fair Credit Reporting Act ( FCRA ), it is required that all information on a credit report be accurate, complete, and verifiable. However, the debt collection account in question has not been verified, and I believe that it is inaccurate and incomplete. 

According to the FCRA, debt collections can only remain on my credit report for up to 7 years from the date of the original delinquency. In this case, the debt collection is beyond the allowed time frame and should be removed from my credit report immediately. 

I request that you investigate and remove this account from my credit report as soon as possible, in accordance with the FCRA. Additionally, I request that you provide me with an updated copy of my credit report once this error has been corrected. 

Thank you for your attentiontothismatter.

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