BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been disputing since XX/XX/XXXX with no response. I have sent multiple letters to the credit bureaus with no response from you guys regarding the settlement offer. 
I reached out to XXXX ( Comenity Bank, it shows CB/EXPRESS XXXX XXXX report ) directly via letters on XX/XX/XXXX and XX/XX/XXXX with no response. I am aware that I have a debt with your company, and would like to settle as following : XXXX XXXX for Account XXXX : XXXX You claim the amount owed on the account is {$1900.00}. I agree to settle the account in full for the sum of {$480.00} and this amount is accepted as full and final payment on said debt. I would be making the payment to : XXXX XXXX XXXX XXXX XXXX, TX XXXX If your office agrees to this settlement, please send back confirmation on your company letterhead and signed by someone with the authority to accept such offers to my address or email. XXXX is of the essence due to my present financial situation so please reply as soon as possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. : XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: FISERV INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I had fradulent online charges using my debit card on XXXX to XXXX in the amount of {$2800.00}. I reported it on XXXX as soon as i noticed it, had my card cancelled and a new one issued. I got a letter dated XXXX from Money Network, my financial institution that i had to sign and return. I sent the form back and awaited a response. I got a response denying my claim. After speaking to them i found out they never investigated anything, they claim they based the decision on previous account usage. I never had any charges/payments to 99 % of those merchants. I have since filed a police report and appeal with money Network and no money has been returned

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: 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid 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 received a notification from XXXX XXXX on XX/XX/2022 that a credit card had been opened in my name at Raymour & Flanigan. I have never purchased anything from them either online or in the store. I called the company to see what was going on, and their customer service rep was very rude & unhelpful ( named XXXX XXXX. I asked her to close the account and told her it was fraudulent. She said it " seemed like a fraudulent purchase '' but She also told me that I was responsible for the payments or it will ruin my credit!! This fraud person opened an XXXX XXXX credit card and spent XXXX XXXX the same day. I disputed the charges on that day. XXXX would not tell me where these goods were shipped. She told me the purchase was made online and the credit card was opened online. A week later I received a store credit card from Raymour and Flanigan in the mail at my house! That means this fraud person knows my home address!! Now fast forward a few weeks and Raymour & Flanigan is now claiming that these charges are MY RESPONSIBILITY and refusing to drop the charge. This is questionable business practices. I want to know HOW they came up with this conclusion, and what information they have on the fraudulent charges. Also I filed a police report with my local police and I will give you the cc # upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a loan through XXXX owned by Barclay bank. ( General Inquiries XXXX International ( Call us collect ) XXXX Fax Number XXXX ) I paid off loan early on XX/XX/XXXX for XXXX ending in XXXX I never received a credit refund of XXXX. I called XX/XX/XXXX after being advised to wait 25 business days to receive. I called on XX/XX/XXXX to inquire and was told they would escalate for a supervisor to call me and get the refund sent. I never got a call from a supervisor. I called XX/XX/XXXX the representative said a supervisor tried to call me with no answer. I never received a call from a supervisor or a message from a supervisor. I called XXXX. Same process. The representative could email an escalation to a supervisor and have them escalate and help me. No supervisor call. I ask if they could just send my refund money they owed me. No. The representative could only email someone else. I ask to speak with someone and was told I could not talk to anyone. I had to wait for a supervisor to call me. 
I called again XX/XX/XXXX. I ask for my refund check and they said I was to get a call and it was escalated. I asked what did this mean and was not given a proper answer to why I have not been issued my refund check of XXXX I called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any supervisor call or message that they called. I just want them to send my refund check of XXXX. Finally I called again on XXXX. SAME runaround. I am beyond frustrated and angry. I paid my loan off. They owe me money and it has been over 4 months they still have it. I tried to answe a call on my phone today after 2 rings and was hung up on. I called back the number and it was Barclay Bank that was not able to receive called. XXXX!! It rang 2x. I called the only number I have XXXX to ask about this notation on my account said they tried to call me. I asked again for my refund and have a supervisor called me. This is wrong and a violation of my personal consumer rights!!! I want to complain and get help getting my XXXX back! Thank you

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 2023-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Frozen Bank of America Checking Account Dear Sir/Madam , I am writing to file a formal complaint against Bank of America concerning my checking account, which has been frozen due to alleged suspicious activity. The lack of communication and transparency from the bank has not only caused significant financial inconvenience but has also adversely impacted my financial reputation. 

My checking account number is will be provided when asked. I first noticed the issue when several payments I made were returned, despite my account showing an available balance. These returned payments have resulted in numerous fees from external creditors and have damaged my financial standing. 

Upon contacting Bank of America to understand the situation XX/XX/XXXX, I was informed that my account was frozen but was given no further explanation. I was repeatedly told that an investigator would contact me, but I have received no calls, emails, or any form of communication from the bank. 

I assure you that all transactions made through my account are legitimate, and I am more than willing to provide justification for any transaction that the bank may have questions about. However, without specific information on which transactions are considered suspicious or the trigger for this action, I am unable to address the bank 's concerns effectively. 

The lack of communication and transparency from Bank of America is not only distressing but also goes against the principles of fair banking practices. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, 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 2019-12-26
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letters to validate if not then remove the debt off my credit report. Send 2 letters. No reply even when I called numerous times, Stating no record was found.

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 2023-08-22
Company: DISCOVER BANK
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:
Discover card XXXX XXXX These two accounts are fraudulent and werent authorized by me at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX deposited two legitimate checks drawn from XXXX XXXX into my checking account. An extended hold ( 11 days ) was placed on the deposits, citing " check specific information '' that the checks may be returned. 
XX/XX/XXXX Visited the local BoA branch to find out what was the holdup, no one could tell me what the " check specific information '' was. Called XXXX, and in the presence of the branch manager, was told that the checks were indeed legit. Told that my account was now " under review. '' Left the bank and tried to make a purchase with my debit card and got declined twice. Returned to the bank and told that my account was frozen while under review. Could not access funds in my account until the hold was lifted, XXXX hours was the estimate. These funds were in my opinion being illegally withheld, as they were existing well before the deposits in question. 
XX/XX/XXXX Went back to the branch, got an email that morning from BoA stating that my phone # was deleted and could no longer use XXXX because " the account was closed. '' Associate had no idea why that was sent. 
Still waiting for BoA to resolve, unbelievably bad customer experience. I'll be closing my account ASAP after this is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NY
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 the XXXX XXXX app. I have XXXX VISA card, originally at a XXXX} balance. I have paid $ XXXX XXXX religiously ever month. My balance is at XXXX now and Equifax lowered my score XXXX points, XXXX raised my score XXXX points. 
Equifax explained that my debt is less ( paying my card down ), so therefore my score goes down. 

I am truly being disciplined for getting out of debt. The system seems to be set up for me to keep a XXXX balance, pay the minimum and my score would go up, while the XXXX lender makes a ton of money from me. 

The system needs to be addressed and fixed. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: General Motors Financial Company, 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 information incorrect

Complaint:
i had a car finance with ( GM FNANCIAL XXXX, TX ) acct open XX/XX/XXXX closed XX/XX/XXXX PAID OFF, record show I was late making payment 12 time. I was never late making payment, i had auto draft were the payment came out ever month. ( {$390.00} ) These are the month that my credit report show late payments XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 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 a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
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: Old information reappears or never goes away

Complaint:
This is a fraudulent account that was successfully disputed last year. Original creditor : XXXX XXXX XXXX. Collection company at the time : XXXX XXXX XXXX XXXX Please refer to FTC report number : XXXX ). They are trying to put this collection account on my credit file again this year with a different collection company ( XXXX XXXX XXXX ). 

When I dispute an account with Equifax, They ask me to wait pending the results of their investigation, which could take up to 30 days, in hopes they find something negative again during that time. To me this is nothing more than a cheap attend to suppress my score. They clearly do not need 30 days to review an account they already reviewed last year. 

This is my third complaint about Equifax ( for different issues ) within the last five months. 

Asked for annual credit report - Not provided until complaint to FTC Asked to remove account older than seven years - Not removed until complaint to FTC Asked to remove PREVIOUSLY disputed fraudulent account - PENDING I hope they are not using retaliatory methods and instead focus on doing a better job at keeping fair and accurate people 's financial history. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Unfortunately the complaint I made last year on XX/XX/XXXX is not able to have the same corrective effect for this year. HSA bank once again did not approve my XXXX claim on XXXX-the same product I claimed last year. The current denial letter from HSA bank indicates that I need to submit a prescription to deem it medical necessary, which is not true ( the same mistake they made as last year ). Based on the response letter from the company after I submitted a complaint to CFPB last year, the product XXXX was ( and still is, according to IRS guidelines ) eligible after the company finally did the investigation about the eligibility of fiber laxatives. I made XXXX customer services phone calls on XX/XX/XXXX, but no positive results, the representatives re-read the denial letter to me and told me I can not contact claim department or customer service specialist further ( again, the same experiences ) ; I contacted the numbers listed in the company 's response letter last year, but the phone number is not an active one. It is almost unbelievable that I have to go through this every time I need to reimburse the XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Closed heloc being paid off monthly including extra principal payment. I have seen this on more than one recent statement in addition to the most recent one attached. The attached shows a Previous ( beginning monthly statement ) Account Balance of {$20000.00}, but an Average Daily Balance of {$20000.00} used to calculate interest. HOW ON EARTH CAN THE AVERAGE DAILY BALANCE BE HUNDREDS OF DOLLARS GREATER THAN THE PREVIOUS ( beginning monthly statement ) Balance? This account has been closed for over a decade and the balance can ONLY DECREASE. This same bank actually reported to credit bureaus a few months ago that the balance had increased, also. Their statement is absolutely ridiculous and their computer systems are obviously stealing extra interest from me with this fraudulent calculation of average daily balance.

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: EQUIFAX, INC.
State: OK
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance Owed : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
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:
According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation