BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted you all about problem with XXXX 's credit card, overcharging me. 
Since I have filed this complaint they are calling me leaving information about the cornavirus. They are leaving the same number I had called in the past when I could not get any assistance. Thats why i contact cfpb. Hoping to get answers as to why they are obviously stealing from their clients by offering promotions and in exchange overcharging. 

Its clearly theft in plain sight. I think many of their customers are elderly and I believe this is a form of XXXX XXXX XXXX. 

If they are sincere about addressing this abuse and I am sure there are many others they could at least respond with a contact person and name phone number and not pretend they are honestly reaching out. 

You all should take a closer look at their transactions with their customers, especially our XXXX XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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:
it states on my credit report that I'm 90 days late but prior to that it states my payment history is on time. 
If the account is reported as OK, OK, 90, it means that the 2 " OK '' payments are inaccurate.

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 2023-11-29
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I woke up on Sunday XX/XX/XXXX to XXXX fraudulent charges on my account. Because this was a Sunday and it was XXXX XXXX  I had to wait for the fraud department to open. Once they were opened, my husband called and reported the fraudulent charges and immediately his card was canceled. Because this was a holiday weekend, XXXX, we needed access to our money for groceries and XXXX shopping. We were told multiple times that my card would be available. That evening my card was declined at the grocery store. After calling the fraud department I was told that my card was also charged and now canceled. 

The next day was Monday and when we called to confirm shipment of our new cards we were told that we could not have them shipped to our home address as we hadn't lived at this new address for longer than 90 days. When it was requested to have the cards sent to a closer branch we were told a branch we NEVER banked at would be receiving the cards. 

It is now over a week and we haven't heard a thing from the bank. Our cards are no where to be found and access to our money is so limited as the holidays and our work schedules do not allow for XXXX XXXX banking. I would like the charges from XXXX reversed as Ive never been to XXXX. I didn't make these charges and {$400.00} is A LOT of money to be left without over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Experian Information Solutions Inc.
State: MD
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:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.

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: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.

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 2022-12-18
Company: EQUIFAX, INC.
State: AL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is now my 2nd complained with the Consumer Financial Protection Bureau for this issue. I told you all last time Wells Fargo was intentionally lowering my credit limit due to a " late payment '' on my credit card account which was due to covid and their call centers being closed. My account is current and has always been current. My credit history is perfect, but after this 1 late fee I called Wells Fargo multiple times, including their executive office, but they would not refuse the late fee. 

I then filed a complaint w/ theXX/XX/XXXX. After the XXXX XXXX XXXX investigation, Wells Fargo lowered my credit limit from {$11000.00} to {$8300.00}, then I filed a complaint with the CFPB. After that complaint, they lowered my credit limit to {$6400.00}. I then filed another complaint w/ the XX/XX/XXXX and what do you know, my credit limit has now been lowered to {$5100.00} which is RIGHT above my current balance of {$5000.00} as of this complaint. 

So now for the 3rd time, I've been intentionally targeted in having my credit limit lowered thus hurting my credit even more. I'd like to speak to someone at the CFPB or my next steps are to call my Congressman because Wells Fargo at this point is being CRIMINAL. I give the CFPB permission to pull my credit history, run a hard check if you must. You will see 0, I reiterate, 0 missed/late payments throughout my report. I have 12 active accounts, 0 issues EXCEPT for WellsFargo. 

I'm looking to have the late payment removed from my credit report, and would like to know my options at this point for pressing charges as this is obviously DELIBERATE attacking of my credit at this point.

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 2023-04-19
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:
This is my third request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-21
Company: Affirm Holdings, Inc
State: NC
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:
Affirm has been working on dispute since XX/XX/2022. While this account was in dispute I was not allowed to make payments on this account, I was notified on XX/XX/XXXX or XXXX that XXXX the original seller had charged off the account for no payments received. Affirm immediately sent my balance to collections because they had let the dispute sit there for 5 months and with no notice or payment options said I needed to pay a debt collection agency. I said no. I have never made one late payment to affirm. That is not ethical. Affirm reported the balance to the credit agencies and stopped me from making any future purchases from them saying that I had not made payments on time,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: HW Holding, Inc
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any correspondence from this company about any debt. They have wrongfully and fraudulently charged me with debt on my credit report. They also did this back in XXXX but the debt was removed. It states as of XX/XX/XXXX I owe XXXX XXXX XXXX sent me a phone notification as of XX/XX/XXXX. 

I looked up Hunter Warfield and they arent licensed and are unauthorized to do business according to the XXXX consumer access reports since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Original creditor : XXXX APARTMENTS Account number XXXX XXXX XXXX account number XXXX DEPT OF XXXX Account number XXXX XXXX U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

XXXX Comments

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 2023-10-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
The Legal-Counsel is bringing attention to a fraudulent check cashing incident involving a {$540.00} check issued by the Social Security Administration Treasury at the recipient 's institution. Evidence suggests fraudulent activity, including the improper force crediting of the check. The author urgently requests an investigation, resolution of the matter, and the reimbursement of the amount to the Social Security Administration Treasury. Additionally, the author asserts the rescission of all contracts and negotiations with JP Morgan Chase Bank and Company, citing their alleged failure to act in the best interest of the beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, INC.
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifaxshall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the accounts below : XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
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: Was not notified of investigation status or results

Complaint:
During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER XXXX later Still NO REPONSE! The FCRA states that disputes must be resolved within XXXX  days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by XXXX and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/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 2023-04-19
Company: Experian Information Solutions 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:
This is my third request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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