BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is the second time Comenity bank has taken too long to process a payment that was sent to them with more than sufficient time to be processed before it became overdue. Their representatives all give the same excuses, but no helpfulness. XXXX took over my credit card account from XXXX XXXX XXXX and I have had nothing but trouble since, from setting up automatic payments to having payments processed in a timely fashion. When the exact same problem occurs more than one time that is two times too many. The delay in processing of course generates interest charges in their favor of course. The latest problem is XXXX  XXXX XXXX sending XXXX a check on XX/XX/2023 and it is now XX/XX/2023 and it has not processed. I checked with Bank XXXX XXXX, the XXXX account number on the check was correct, it was sent to the correct address and the amount was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
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:
Someone is using my identity applying for credit and I have a lot of inquiries in my credit profile and I dont know how I got them on there. My social security card and wallet was stolen. Thats an issue. I need to dispute the inquires and they need t be removed. I need it to be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have tried over the past three or four years many times with, XXXX XXXX, MoneyGram, and Walmart to Walmart. I can not send or receive money this is created a very very extreme problem for me and my wife. I don't think I need to explain the details but I believe it's unfair than all of a sudden they decide what they think is best. They shouldn't be in business if they're going to do this to people I want to know why they have singled me out. I am not a crook. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Managment did not provide me with any notice of an attempt to collect a debt. Instead I received papers in the mail about being sued by them. I was not properly served these documents either. They were left with my neighbors who informed me once I got home. How can they expect for someone to pay an alleged debt when they dont attempt to notify the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. I kindly request that you investigate and, if necessary, remove the following items from my credit report. 
-- -- -TransUnion -- -- - XXXX XXXX -- -- -XXXX -- -- - 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 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

Company response to consumer: In progress
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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:
XX/XX/2019 payment is listed as 90 days late but the XX/XX/2019 payment is listed as current and on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 2 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-18
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an AMEX gift card for the total amount of {$1500.00} however have been having issues attempting to use the card for the past month. No online retailers such as XXXX or XXXX would accept this card saying that it is on behalf of the credit card company declining the charge. I was able to use small amounts and got it down to {$1400.00} however I am still unable to purchase items online or in store. XXXX XXXX also refuses the card as well. I am stuck with a gift card that is basically unusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My business XXXX XXXX XXXX wrote a check to XXXX XXXX who is a tax collector in the town of XXXX, NY. The check was for town taxes in XX/XX/2023. The check is in the amount {$2800.00} dated XX/XX/2023. It was deposited on XX/XX/2023. The endorsement on the back of the check in unreadable. XXXX XXXX clams not to have received the check and not deposited it. I was not made aware of this fact until XX/XX/2023. JP Morgan Chase is my bank. They say it's to late to do anything about this. I should have contacted them earlier. They say there is nothing they can do and will not refund the money. The only info they were able to give me is that the check was deposited to a XXXX  XXXX XXXX account. Not which branch or which account number. 
I have a bank printout of the front and back of the check. Someone was able to deposit this check without making any changes to the front of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XXXX XXXX XXXX I was told to make wire transfer on XX/XX/2023 XXXX funds through XXXX XXXX XXXX The Company Information provide to me did not work, and I purchase a Cashier Check XX/XX/2023 and mailed to this address over night. To XXXX SN Servicing Corp XXXX XXXX XXXX XXXX XXXX CA XXXX, Cost about {$85.00} next day. I sent a copy to by email to XXXX XXXX XXXX of the Cashier Check for {$2000.00} and Recievied a call from ask what happen and I told her, I found a buyer for the House ans would close XX/XX/2023 and She replied call and make sure SNC recieved payment. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX. Company blocked my attempts to save my home.They provided incorrect information. Failed to honor in-process modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2021, the company electronically withdrew 2 payments ( {$4500.00} ) directly from my bank account, but credited only one payment ( {$2300.00} ) to me. It has been over 90 days since. I spent several hours on the phone with their representatives, who are only able to take messages, or report back to me the ( non ) status, none of them are able to actually issue the refund themselves. I escalated the issue all the way to their main complaint line who first asked for an additional 30 days to investigate. They have now gone past 30 days, the latest is they can only offer an indefinite ETA which to me means they have eaten up my money. As a customer, it is unacceptable that a mortgage company have accounting systems so poor that it should take over 90 days to trace customers funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navinet has reported on my credit report to all three agencies XXXX, XXXX and XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was to be in forbearance at those times. I have disputed with the credit agencies several times and Navinet validates and says it is correct. I was told by Navinet that they report an account late every 30 days. They skipped the 30, 60 and went right to 90. I have since consolidated my loans and Navinet is no longer my provider. They told me I would have to dispute with them. Because the reports were 90 days I am unable to get a home loan and will be homeless soon. Due to the fact they were reported as 90 days it has completely ruined my credit. 
I need to move out of state where home prices are affordable. I am the caregiver if my mother who is XXXX. 
As I stated before I have been trying to fight this issue for some time. 
Navinet didnt even tell me about income driven repayment plans. They wanted me to go into forbearance to keep the high interest to accumulate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: DISCOVER BANK
State: NY
Product: Credit reporting 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 filing this complaint to DISCOVER BANK for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. 
As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
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:
Hello, I am writing in regards to JP Chase Morgan bank pulling my credit without my knowledge. I was inquiring about a credit line increase and was told via email ( see attached documents ) I would not receive a credit check if I provided certain information and the increase in credit did not go over a certain amount. I provided the information and the credit increase amount did not go over. However, JP Chase pulled my credit which I had no knowledge about, if I knew I was going to get a credit pull I would have not went through with the request however, JP Chase told me they would not and still did without my knowledge and permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-05-17
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:
I wrote to transunion more than once requesting that they provide me the the method that they used to verify certain items on my credit report. They have fail to reply in a timely fashion and when they did reply they failed to address the issue I noted in my request. They stated that they will not reinvestigate my dispute but I didnt dispute anything. I asked for the METHOD OF VERIFICATION.

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 2018-04-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/14 I applied for a care credit card at my dentist office. It said 0 % apr which is why i chose to pick this card for my dental work. I had XXXX placed in credit on the card to pay for my appt. I have made on time payments for a little over three years. Only until i didnt pay one of my bills did i receive for the first time a paper bill which stated i still owed XXXX. I called them to correct the info. They are stating that when i started it was just a promotion but that it was only for a year. I had never recieved any emails or paper mail stating that this Promotional apr was ending and that i would be on 26.96 percent apr. I would have taken out a personal loan at 10 percent apr and not have kept the card. The information is very misleading.

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 2019-07-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I filed a complaint last year regarding American Express Serve, they claimed my account was over drawn by {XXXX}. I provided statement records showing that they never added a refund from a return from XXXX. I kept getting the run around and they never could show when and where the money was ever returned to my account which resulted in a very rare overdraft of {XXXX} on a XXXX account. Regardless I was tired of dealing with it and they would not let me close the account so I figured I would deal with it later. I continued to receive monthly emails informing me that my account was XXXX} overdrawn until XX/XX/XXXX when I received this email : During a recent review of your American Express Serve Account we noticed activity that was in violation of the Serve Member Agreement, section : XXXX. 
Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call XXXX XXXX XXXX at XXXX. 

I hadn't used the account for months and when I tried calling I get a message informing me that I can only write the address they will provide and that I can NOT speak to any on the phone regarding any of activity they are referring to. Odiously something happened on XX/XX/XXXX because on XX/XX/XXXX I received an email showing my account had a credit of {XXXX}. I tried to get some information but my account was now suspended, I had been blocked from speaking to any one and I had no access to my money or information as to how I went from owing them {XXXX} to now having a credit of {XXXX} that I can't access. Finally I decided to order something from XXXX for around {XXXX}. I quickly received this email : During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
Any remaining funds on your Account will be returned to you in a refund check mailed to the address currently on file for the Account. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX I hadn't done anything to violate any terms, my account has been suspended with a negative balance for months and only as of XX/XX/XXXX did I have a credit for an account I cant access. These people are dirty and I want to see my statement and what happened that made my account go positive. I think i have every right to know why I had an account I could not access or even close. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/21 at XXXX calls received from UNIFIN XXXX XXXX after repeated requests to stop calling. 
Would not state reason for call or who was calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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