BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above 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 2023-03-01
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I wrote to Comenity Bank/Victoria Secret to dispute 2 late payments showing on my account. I advised them that I called member service when I got out of the hospital to file a claim with Account Assure as I would be unable to make my payment. I further explained that Account assure failed to make the payments in a timely manner and I should not be penalized for that, I further advised the representative that according to 15 US code 1681a ; Rules of Construction, paragraph 2 exclusions and sub paragraph A subsection I that transactions are not included in the consumer report. 

Comenity refused to remove the late payments from my credit report in violation of the afore mentioned code.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2022 I sent XXXX a certified letter along with a return receipt. 

In accordance to the Fair Credit Reporting Act XXXX  Account Number # XXXX, has violated my rights. 15 U. S. C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions 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:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information from my Credit file. The items I need deleted are listed in the ID THEFT REPORT. I am a victim of identity theft and did not make the charge nor accounts. I have been infroming the Credit Bureuas regarding my situation through written letters with complete attahments of my personal information. But despite all my efforts to have the fraudulent items removed, the Credit Bureuas have failed to comply with tmy requests and the FCRA section 605b. I am frustrated to see that the Credit Bureau have done nothing in order to correct my Credit File. The Experian and XXXX Credit Bureaus clearly violated the FCRA regulation and I am tempted to pursue legal action against the Credit Bureaus. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the Fair Credit Reporting Act Section XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00}.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.

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 2023-11-22
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am extremely upset and angry regarding the outrageous behavior I encountered during a recent call with representatives of IQ Data on XX/XX/XXXX and XXXX, XX/XX/2023 

The representative continually threatened to ruin my credit score and insinuated that he would send the recorded call to law enforcement. I did not threaten the representative or raise my voice during any of these interactions. These tactics are illegal and highly upsetting. 

I'm currently in a legal process to resolve this debt with my landlord, who never should have transferred it to collections to start with. I explained the lapse of communication with the management and offered to provide additional documentation and details during the call with IQ, only to have your rep immediately dismiss my dispute like it was pointless. This is absolutely unacceptable, especially when someone informs you that they have already initiated a legal dispute, why would you continue to try to collect the funds? On XX/XX/XXXX, I spoke with agent XXXX XXXX and on XX/XX/XXXX a representative named XXXX who wouldn't provide his last name. 

I believe IQ Data 's actions violate the Fair Debt Collection Practices Act ( FDCPA ). No false statements, no unfair practices, and definitely no harassment. Yet, the representative blatantly violated these rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Kikoff Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit repot have my information wrong it does not show XXXX or XXXX false identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My PPP was disbursed into my bank account XX/XX/2020On XX/XX/2020 my business bank account & savings account was put on hold by Bank of America . After 13 phone calls, which included the response " sorry we have no information, an investigator will get in contact with you, and nobody did. I was told by Bank of America to send in all documentation to prove accuracy of our business PPP loan. Complete packet was mailed in and received by BOA XXXX XXXX. The account was reopened XX/XX/XXXX and then put on hold again XXXX XXXX. On XX/XX/XXXX the entire funds from checking ( {$9.00} ) & savings ( {$220000.00} ) was sent to Legal Order XXXX XXXX. I have called 10 times since XX/XX/XXXX and am receiving the same response with no resolution. My business is holding on by a thread because BOA has my funds and PPP funds held with no response, resolution or action. We will be retaining legal counsel immediately as this is highly illegal and the funds disbursed to us by the SBA to help keep our business afloat have been left on hold status on and off since XX/XX/XXXX. A fair resolution is for Bank of America to give me my money back by closing the account and issuing a cashiers check for the checking and savings funds that are currently being held. IN A NUTSHELL GIVE ME MY FUNDS BACK!!!! See attached copy of XXXX, XXXX & XXXX Statement showing the SBA PPP funds being deposited into the account & then removed and held by BOA.

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 2021-01-03
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/XXXX I received an email from XXXX XXXX, a MasterCard that I did not apply for an application for. The time of this email was at XXXX XXXX. The bank that approves this XXXX XXXX Credit Card is Citibank, as I was affected by a Citibank Data Breach when I applied for a credit card back in XXXX. Second, Citibank of XXXX XXXX states, " derogatory public record collection filed '', that I had already filed with the FTC, but was not provided a reference number for that complaint. Moreover, states, " lack of recent bank/national revolving information which seems to be an invalid reason due to reasons that do not apply to myself from my credit report. I was also affected by the XXXX Data Breach that I refiled on XX/XX/XXXX, a claim confirmation, submitted claim id # is XXXX, a confirmation code # XXXX.The XXXX County Sheriff Office has been informed to a XXXX XXXX  with a permanent case number of XXXX. As evidence to confirm this complaint, a XXXX debit card I previously had was illegally attached to a XXXX XXXX account ending in XXXX, and XXXX XXXX dispute case number is XXXX XXXX. I am applying the XXXX Data Breach and the Citibank Data Breach from XXXX - XXXX has UNRESOLVED and continues to affect my ability to having accuracy reporting from the " Fair Credit Reporting Act '' as deemed by law that I as a consumer. This same complaint is for a XXXX, XXXX XXXX  XXXX store credit card, as well as a Master Card. The same invalid reason of " Derogatory public record of collection filed '', and secondary invalid reason is " Lack of recent bank/national revolving information '' when I have information that differs from what the " Fair Credit Reporting Act '' complies with. I have a claim with the XXXX  Public Record Settlement from XX/XX/XXXX, a letter confirming this from the Claims Administrator from the XXXX Class Action Settlement. I am seeking punitive damages due to the inaccuracy of 1 ) invalid, not applicable denial reasons that do not apply to my credit history since these two data breaches still have NOT BE RESOLVED of an unspecified amount.

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: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every time I try to pay this bill it's a return fee that keep returning the money this is an ongoing problem I can't seem to get this balance down they are playing tricks with my bank account wait till the last minute and then pull the money out and then charge me a return fee this is an ongoing process what they doing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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

Complaint:
On XX/XX/2020 I sent letters to the credit reporting bureaus XXXX, XXXX and Experian demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.

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 2023-11-22
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive sent a cease and desist letter to NBC Management Service and they keep calling and not validating the debt they are trying to collect I have the letters ive wrote and inaccurate documents they have sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XX/XX/2022 graduate of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I applied for a Sallie Mae XXXX XXXX Loan on XX/XX/2022. The loan was set to disburse in two {$5000.00} payments on XX/XX/2022, and XX/XX/2022. 

I changed my address with Sallie Mae on XX/XX/2022, directing them to send the checks to my family home in Maryland. Afterward, Sallie Mae placed a fraud alert on my account. I timely submitted two proofs of address to have the alert cleared. 

Frustratingly, Sallie Mae has mailed neither the XXXX nor XXXX checks to the Maryland address. They are currently charging me interest on both -- I accrued {$38.00} in interest this past month. This is unacceptable! 

I have called Sallie Mae 's customer service hotline 5+ times over the past month and their staff is routinely incompetent. I typically wait on hold for an hour just to be greeted by confusion, one staffer fixing an error by one of their colleagues. 

I need my {$10000.00} XXXX XXXX  loan to pay for my summer expenses and support my mom until I begin work as an XXXX this fall. Without the loan funds I was promised by Sallie Mae, I've been living off of a high-interest credit card. Please help!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have a checking account ending in XXXX. I won a default judgment recently in the XXXX XXXX XXXX XXXXXXXX against the University XXXX XXXX XXXX XXXX XXXX in XXXX at $ XXXX to $ XXXX. See attached. 

For a banker, I think it is rationally and reasonably fair to that I am going to $ XXXX right off the back. But, I went to XXXX XXXX XXXXXXXX, and I think that I will get around $ XXXX from the breach of contract. 

I am wondering if you can extend a credit line or loan or increase my credit limit by {$10000.00} to $ XXXX or more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) found lawless persecution by terrorism for XXXX 's XXXX XXXX as a descedent of XXXX XXXX XXXX XXXX I and XXXX I because XXXX is XXXX the Top 1 % of the United States net treasury contributors . 42 U.S.C. 1981, 1982, and 1985, 1987. The contract-in-law ministerial duty requires AmEx to help assuage and bring to an end this persecution. AmEx is a fellow contract with XXXX XXXX XXXX XXXX through the State, its local businesses that it represents, and the United States, the alter ego ; good faith and fair dealing requires reasonable performance per my disclosure to you. Third-parties can enforce contracts. AmEx has a corporate duty as a quasi-governmental entity to XXXX XXXXXXXX XXXX judicial victory. 

XXXX XXXX the Clerk of Court can verify the court. Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONFIDENTIALITY NOTICE : This e-mail message, including any attachments, is for the sole use of the intended recipient ( s ) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Credit Karma, LLC
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Credit karma has been pre approving me for credit cards and every time I apply thinking Ill be approved I get denied and now I got like 8 hard inquiries in like the last 3 months. And I cant get a hold of any credit bureau to help me unfreeze my credit account and I never froze it myself. Please help me get in touch with them so we can fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is Nationstar/Mr. Cooper 's policy not to correct an error in the CFPB rule and RESPA and allow their local counsel refuse to allow a correction. See attached XX/XX/XXXX response to the following complaint made over 6 times since XX/XX/XXXX : XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX  current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. I sent a notice of error XX/XX/XXXX to which I have received no response. I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines 81-86 and under credit of interest paid in line 95 on XX/XX/XXXX and have received no response. I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines 89-94 and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am writing to complain about the practices of Comenity Bank, owned by Bread Financial, which issues consumer credit cards for XXXX, Talbots, and other retailers. 

1 ) I opened a Talbots store credit card sometime in XXXX per Comenity 's records, when I was residing at Address # XXXX. Despite multiple requests in writing and via telephone, I never received the card. I have spoken to numerous customer service representatives over the years who apologize and commit to sending me a card, but I have still never received a card. 
2 ) In XX/XX/XXXX, I moved to Address # XXXX. 
3 ) At some point in the last few months, someone apparently made a purchase at a Talbots either using the card I have never received, or by claiming they were me. Talbots apparently allows people to make credit purchases without presenting the card, which is an incredibly poor security practice. I suspect they do this because Comenity regularly doesn't mail cards to people. 
4 ) Comenity has been harassing me for months over this purchase, despite never sending me a Talbots credit card after approval and claiming it has been sent.

Company response to consumer: Closed with monetary relief