BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I applied for an Ulta credit card XX/XX/XXXX, I was approved so the {$75.00} would be charged to my new credit card. I never received the card or a bill.. It wasn't until I received an alert from credit monitoring on XX/XX/XXXX, that I was able to find the customer service number and pay the balance on the account which was now {$100.00} from late fees. I informed them that I still haven't received a card or a bill it isn't fair to charge me fees. She did nothing. The next day ( XX/XX/XXXX ) I was charged a {$2.00} finance fee. Still no card or bill, but I did receive a {$30.00} late fee from XXXX for paying the balance in full 4 days late, a late fee on the {$2.00} finance fee, {$40.00} late fee on XX/XX/XXXX and a {$2.00} finance fee XX/XX/XXXX, a {$41.00} late fee on XX/XX/XXXX, {$2.00} finance charge XXXX-all for an account that they assured me was paid in full on XX/XX/XXXX, again no card, no statements and no new purchases-just a huge drop on my credit score for non/late payments which I never do. So again my credit monitoring alerted me of the negative reporting and I looked it up and on XX/XX/XXXX paid the entire amount all late fees and finance fees totaling {$120.00}! I made the representative confirm there would be no additional fees and please close my account, their business practices don't seem ethical or legal. On XX/XX/XXXX, I received a letter from Comenity Capital Bank stating my account is closed, current balance is {$0.00}, but on XX/XX/XXXX I received my first bill ever with a {$2.00} new balance due XX/XX/XXXX or a XXXX late fee will be charged ( on my account that was closed and had a XXXX balance ) and the lady confirmed today my card still has not been activated!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: U.S. BANCORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
UPON RECEIPT OF FINANCIAL STATUS THE CONSUMER HAS BEEN FURTHER DAMAGED BY THE NEGILENCE OF US. BANK ( AKA XXXX ' ) TO CORRECT THE CREDIT REPORTING AND DEBT THAT DOES NOT BEYOND TO THE CONSUMER PER CONVERSATION WITH XXXX OF U.S. BANK ON XXXX XXXX, 2022 THE CONSUMER ATTEMPTED TO ADVISE OF THE DESTRUCTIVE ACT BY U.S. BANK NOT TO ACCEDPT ONUS THAT THE CONSUMER REPORTED MULTIPLE DEFICIENCY WITH PRIMARY CONCERN TO PROTECT THE CONSUMER FROM FURTHER DAMAGE SHOULD ENTITIES CONTINUED TO SUBMIT FALSE TRANSACTIONS TO THE CONSUMER CREDIT CARD BY THE STANDARD TECHNIQUE OF CLIMAING TO REQUIRE SAID CREDIT CARD WITH ALTERNATIVE INTEREST TO OVERCHARGE CONSUMER FOR FALES TRANSACTIONS THAT WERE NOT ONLY NOT ACCEPTED BYTHE CARDHOLDER BUT NOT WITHIN THE BASIS OF THE LAW OR THE FAIR CREDIT REPORTING ACT.

U.S. BANKS COULD HAVE JOINTLY WORKED TO PROTECT THE CARDHOLDER BY TRANSFERRING MEMBERSHIP TO ANOTHER ACCOUNT BUT DID NOT PROVIDE THAT ALTERNATIVE TO THE CONSUMER. 

HAVING MAINTAIN EXCELLENT STATUS WITH U.S. BANKS WITH EITHER NO LATE PAYMENTS OR DEFICIENT PAYMEN ( S ) U.S. BANK SHOULD HAVE PROVIDED ENTITLEMENT TO THE CARDHOLDER BY STOPPING ILL GOTTEN CLAIMS BY ENTITIES FOR THE PURPOSES OF ILL GOTTEN MONIES. 

TO DATE THIS HAS CONTINUED & REDRESS IS IN ORDER!

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on credit.

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 2019-09-12
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 non-monetary relief
Consumer complaint received 2020-07-24
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
Upon checking my XXXX credit report, a private student loan through Wells Fargo XXXX was taken out on my behalf back in XXXX of XXXX. This account has been paid and closed over 5 years ago yet it is still showing as a derogatory account while XXXX shows it as current and due to be removed XX/XX/XXXX. Ive tried disputing this account with XXXX on multiple occasions both electronically and in writing due to inaccurate reporting and statue of limitations, and nothing has been updated. This account should be removed IMMEDIATELY.

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 2023-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One took {$1000.00}. 
There is no accountability for this money. 
I had done a bank transfer from to XXXX to Capital One of {$1100.00}. 
They said they gave it to Social Security. Social Security don't have the money. They said they took for my dead husband who died XXXX years ago. Social Security told me to tell them to give it back because XXXX didn't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted all   XXXX   credit reporting companies regarding incorrect info on my credit report regarding a collection from  Choice Recovery .  XXXX  deleted the incorrect info however  XXXX   XXXX  will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My USDA loan is in forbearance. I spoke with the loss mitigation department two days ago. I was told that no online payments would be possible, even though I entered one payment online. I was told that they were awaiting a title to proceed with my loan modification after the COVID forbearance. 

Since then I noticed that my bank account drafted {$1900.00} for the payment they said would not go through. Now my bank account is overdrawn. I still don't have modification details except for the letter from my last complaint dated XX/XX/2021. 

I don't get paid until XX/XX/2021 and have a {$1300.00} negative balance in my bank account from a payment I was told would not process. 

Also, since going into forbearance I've been locked out of most of my online portal with XXXX XXXX XXXX  so for a year had no visibility into my account. Apparently that changed after my first complaint was filed. How many others in deferment is this happening to? Am I the only one who now has access or is everyone in forbearance experiencing this? It's been extremely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
Upon checking my Equifax credit report just recently, XXXX   account # XXXX is incorrectly reporting my accounts as past due. First and foremost we're in the middle of a pandemic and they shouldn't be reporting at all. Secondly according to my Equifax report both the accounts are listed as an " open account '' with a closed status, which is contradictory. Last a definitely not least, in the comments/remarks section of the report they've listed this as an account in collections. I know my rights, and I fully understand that any account presenting itself as a collections account shouldn't show any type of past due balance so this account needs to be deleted from my Equifax report due to multiple false reports and statue of limitations. Ive tried disputing this account with the company already and they'e done nothing but update the accounts to show more inaccuracies. There are 2 accounts under the same account number and they both need to be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: FISERV INC.
State: SC
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:
I own a small music school. I collect payments from my customers using their credit cards. Another company, Fiserv, processes the transactions, and forwards the money to me minus fees. 
I receive statements from Fiserv showing the details. In the last two months they suddenly started subtracting money for " adjustments ''. I called and they said this was for tax withholding. 
This money is for my gross sales. I don't owe taxes on gross sales. And, I never authorized such activity. 
They have misappropriated almost {$10000.00} of my money in two months and my business is now in jeopardy. 
I know of another business owner who lost {$6000.00} to this same company. 
Fiserv, XXXX, Nebraska. website : XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MI
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 asked Equifax to assure maximum possible accuracy to multiple inaccurate accounts reporting on my credit file. Despite my efforts, Equifax has failed to conduct a reasonable and fair investigation that these accounts are 100 % accurate. The lack of response has caused me significant harm to my financial reputation and mental health. I greatly appreciate your attention to this matter and assistance you can provide to resolve the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: HEARTLAND PAYMENT SYSTEMS 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: Investigation took more than 30 days

Complaint:
Per last complaint, XXXX university agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow esci to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and esci have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX Balance : {$27000.00}

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 2023-09-03
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy Federal has restricted my account. I need my account to be unrestricted. there was no fraud on my account. I have never consented to Navy Federal reaching out on my behalf to recover funds from any individual or business from the opening of my account to the date of the restriction. Thank you please reverse whatever withdrawals were done to other people 's accounts and credited to mine I did not consent to any of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have submitted 6 rounds of disputes for inaccuracies on experian, XXXX  and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have tried to open a different dispute with XXXX for the same creditor but it is marked as a duplicate dispute. However, I have additional supporting documents that I received from the creditor to further support my dispute and since I have paid the account in full and settled. XXXX XXXX  has acknowledged that they sold my debt and that all payments should be made to Client Services. Client Services offered me a settlement amount of {$980.00} to be paid and the debt would be considered paid in full and resolved. Synchrony Bank has to honor that. XXXX, Trans Union and XXXX is reporting this debt on my credit report as a revolving balance of {$2400.00}. However this is not a revolving balance, this was a charge off, the balance should be listed as XXXX because it was paid in full. I have attached supporting document to show 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX is charging me {$1400.00} for a service I never had and also I have several different names on my Experian credit file and several different address.

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 2017-05-02
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
i called credit acceptance in the beginning of  XXXX  to notify them that i would be making a payment on   XXXX   to avoid towing/repossession and the customer service rep agreed. Credit acceptance than towed my car before the agreed upon date. on  XX/XX/XXXX  i made the payment as agreed + the additional towing charge and was promised that it would not be reported on my credit due to it being prematurely towed. on on   XXXX   XXXX   XXXX   i was alerted via  XXXX  that Credit acceptance reported my car as reposed and on the  XXXX  reported it as redeemed. i again contacted them and notified them of the error and was told there is nothing they can do and that it is not their problem.     another issue i have with credit acceptance is that they do not call me to notify me of  ANYTHING  my phone number is  XXXX  and they do not try and contact me at all. the only notice i received was via mail on   XXXX   that my car was due to be towed  ( the car had been towed the  week prior )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( partial account # XXXX ) The original creditor XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Portfolio Recovery Associates as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Portfolio Recovery Associates to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Portfolio Recovery Associates. I did not consent to any sale of any information between Portfolio Recovery Associates and XXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to Portfolio Recovery Associates I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Portfolio Recovery Associates threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Portfolio Recovery Associates any monies realted to any alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: LA
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:
Sharing without concent :

In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy. 15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions. ( 3 separate accounts ) f
rom XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to PHH Mortgage. They refuse to send statements, tax documents, or any documentation of my mortgage. They refuse to give me online access to my account. Each time I call to discuss the issue I am told a special agent needs to help me, that they are not available, and that the agent will transfer me to their voicemail. I called today XX/XX/XXXX and was told the same thing. They refuse to give me written notices of what I owe and why. I need help as they refuse to work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation