BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently opened an account with BJ 's Mastercard through Comenity bank around XXXX. The first bill that came in a paid along with setting up my account for auto-pay. Then between XXXX and the beginning of XXXX they were having some technical issues with online transactions. On XX/XX/XXXX I checked my account because I feared that my auto-pay wasnt going to be processed and when I looked at my account it appeared that my banking information was not listed nor were there any pending payments being processed. So i panicked and went ahead and made a payment. A week later i check my account online and it shows 2 payments being processed, with one payment being returned ( rightfully so since the 1st one had gone through ). Then on XX/XX/XXXX i try to use my card at Bjs gas station and its telling me that its declined. WHen i contact Comenity Im told that my account is suspended for 90days due to a return payment. WHen i explain to them what transpired, which only happened due to their system issues I am told that there is nothing else that can be done. 

For a company who's supposed to cater to their customers they failed. Ive NEVER experienced anything like this in my life before. Absolutely distasteful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4.XXXX XXXX. 
5.XXXX  XXXX XXXX XXXX 6XXXX XXXX 7XXXX XXXX XXXX XXXX. 
9. XXXX XXXX XXXX XXXXXXXX. 
10.XXXX XXXX XXXX 
11. 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 2022-07-25
Company: Bliksum, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt on my consumer report from a company called LoanMe which further looking at my consumer report has been sold to a company called XXXX XXXX XXXX. This debt is a result of identity theft and I have submitted my police report and ftc.gov report to XXXX and LoanMe. The loan application does not have my handwritten signature on the application which is attached. It was an online application done AFTER my laptop was stolen from my car and a police report was taken ( attached ). XXXX is the CRA the company is using to report. Each dispute comes back " verified ''. It has been SEVERAL YEARS reporting and disputing. I realize, maybe that I'm not including this other company who now owns the debt XXXX XXXX XXXX XXXX ) ; so, I'm including them here. I am attaching all of my documentation here. I've tried fixing this issue and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract not any contract with Enhanced Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this dent with Enhanced Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Sense the beginning of 2011 i have bren shifted around frim loan services to new ones and never get answers i never received diplomas also from XXXX XXXX university i was denied semester fund reimbursements when classes were dropped on schools part. I have tried disputing funds sense i am not a nurse because of there. school

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Subject : Dispute of Inaccurate Negative Information on My Banking History Dear Sir/Madam , I am submitting a complaint against Chex Systems for inaccurate information that has been reported by Chex Systems on my banking history. This inaccurate information is causing significant harm to my financial reputation and has violated my rights as a consumer.

I have recently reviewed my Chex Systems report and was alarmed to discover several negative items listed that are factually incorrect. These inaccuracies include but are not limited to : XXXX. [ XXXX XXXX : date of closure XX/XX/2022, account number # XXXX, reason for dispute is inaccurate information nor was company allowed permissible purpose to share information about me. 

I would like to emphasize that these inaccuracies have had a detrimental impact on my ability to open new bank accounts and access essential financial services. As a consumer, I have the right to accurate and fair reporting of my banking history under the Fair Credit Reporting Act ( FCRA ).

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 2021-06-02
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:
XXXX XXXX sold my account back to the Department of Education in 2019 and failed to remove their accounts from my credit reports. They are still reporting delinquency on my credit reports when they no longer own the accounts. My credit reports show the same accounts reporting twice for two different loan servicers, which increased my DTI and affected me when purchasing my home. This has been an ongoing issue for years, and when I contact XXXX XXXX, they transfer me from department to department or tell me to write a letter that they never respond to.

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 2023-09-13
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 or America continues to report a charge off for a secured credit card from 2017. This account was secured my XXXX dollars. When I no longer wanted the card. I closed it with a XXXX dollar balance. 
Bank of America waited to close my account so they could charge interest on the XXXX. My account still shows available credit. There can be no credit on a secured card that is paid off and closed. If this was truly a charge of then it was a loss in 2017 which Bank of America reports on credit report. Something charge off cant be collected as this account was reported as a loss .This was a closed account by me in 2017. It continues even though this a direct violation the fair credit reporting act. 
This needs to be addressed. Every month or every few months they report it as a new delinquent which is fraudulent. 
I have contacted all credit agencies they continue to report, even in direct Violation of the fair reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2022-02-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Ive tried several times to get Experian to remove a bankruptcy that is not mine and cant be verified. Experian wont allow me to dispute this inaccurate information anymore. Ive attempted to dispute over the past 2 years

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 2023-09-13
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I have debts on my credit report that are not mines and Im not able to get me and my kids a place to live lost my housing and everytime I file my irs taxes I have to wait on a special PIN number I contacted them they told me to reach out to you guys

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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: Their investigation did not fix an error on your report

Complaint:
I contacted TransUnion about a issue on my credit report over 120 days ago. I filed a CFBP complaint and that allowed the an additional 60 days why? They already had well over 60 days the first tike I asked for an investigation of this falsely reported account. Then they responded that they needed to check with the data furnisher to see if the information is correct. They how did they report the information on my credit report as accurate but no have to check and see if the information is correct with the data furnisher? By law they must report accurately on my credit reports or immediately remove an false, unverified or misleading information. They are in clear violation of FTC Regulation and Basel3.

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 2023-09-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made the XXXX payment of {$41.00} on XX/XX/XXXX and made the XXXX payment of {$41.00} on XX/XX/XXXX due to possibly not having access to make XXXX payment. Spoke with XXXX, XXXX number XXXX who informed me that the second payment of XX/XX/XXXX would be applied to XXXX and not to worry and volunteered to give me his badge number in case they " gave me a rough time ''. Citi applied both payments to XXXX and did not follow through as their employee XXXX told me they/he would. Now I have to make another XXXX payment. That is dishonest to say the least.

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 2022-03-30
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
good day to you:  hi her the bank info  bank of america XXXX XXXX XXXX, XXXX ca, XXXX   hi the wiretransfer was sent from the XXXX i got the email at XXXX XXXX XXXX. i click print an the print came out 1 of the student. didt give me my printe with my account number on it. he kelp the info for himself, he has been useing my account from XX/XX/2011 tile now his info mr, XXXX XXXX XXXX. he left school to keep me from going to the school. it now has nothing to do with there laws. i call an the bank wil not do any thing. an the local branch will not talk to much to me. the lady work in the wiretransfer dept, has move on to a nother job.   thanks for your time,.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /sXXXX 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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've received a letter from TransUnion telling me that they can not properly handle my dispute because they do not have my correct mailing address but they sent me in the mail to my current address a paper to charge me for a up-to-date credit report which I will add down in the attachment section this is illegal according to the Fair credit reporting act and I would like to be compensated {$1000.00} for this violation according to the Fair credit reporting act I have the right to obtain a free credit report they are breaking the law thus Forth causing me damage

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for small business loan back in XX/XX/2020 I had credit pulled XX/XX/2020 was denied then they pulled it again 3 weeks later denied again NOW they pulled it again on XX/XX/XXXX I did NOT give them permission to pull it continuously affecting my score I was denied I do not want this to happen again my score keeps going down because of them. This needs to STOP

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 2022-02-19
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:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$54.00} XXXX XXXX XXXX  : XXXX -- -> : {$260.00}

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 2023-07-26
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid my car loan off with Bridgecrest in XXXX of XXXX. They were overpaid by a couple of hundred dollars over. I spoke with a rep. and ask they send my overpayment back to me also verify my present address. Several months past, no refund was not received. I called the company again, and asked what happen to my refund they say the mail came back stating no one lives at the address. We verify the address again and they stated that is what's on their records. Then I assure them, I did not received the refund. 

Please help me, I paid my debt in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for small business loan back in XX/XX/2020 I had credit pulled XX/XX/2020 was denied then they pulled it again 3 weeks later denied again NOW they pulled it again on XX/XX/XXXX I did NOT give them permission to pull it continuously affecting my score I was denied I do not want this to happen again my score keeps going down because of them. This needs to STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: OH
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 two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
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:
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation