BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
after being sick and tired of the fees and other garbage that this company has been charging me- i called in the customer service - got my pay off and paid it - then closed my account. 
a month later i receive a bill for interest on the closed account- i called in again- to pay off and complain - the cycle and i'm afraid will continue. 

I see this as predatory credit practices and interest charged on a closed account that i specifically called in to pay off in full so i can be rid of them. 

Comenity bank will never get my business again and i will continue to fight them on this - would appreciate the investigation into their practices and failures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: WI
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:
on XXXX I contacted experian to update my employment information on my credit report. 

I started a job on XXXX at XXXX XXXX in XXXX wi and experian will not update my info in my personal info

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items on my credit report. My name is XXXX XXXX and I have identified several discrepancies in my credit history that require immediate attention. 

Firstly, XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX have all made inquiries on my credit report which have reached the statute of limitations. Therefore, I request that you remove these inquiries from my report immediately. 

Secondly, I have identified several accounts on my credit report that I have no recollection of belonging to me. These include account numbers XXXX with XXXX XXXX XXXX, XXXX with XXXX  XXXX, XXXX with XXXX XXXX and XXXX with XXXX XXXX. As I have no knowledge of these accounts, I ask that you remove them from my credit report as they are frivolous and inaccurate. 

I am eager to restore my credit score and hope that you will take immediate action on this matter. I appreciate your prompt attention to this issue and look forward to hearing from you soon. 

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 non-monetary relief
Consumer complaint received 2023-10-18
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had routine physical lab services for a XXXX XXXX XXXXXXXX XXXX performed in a physicians office that had covered without question by isame nsurance previously fact Additionally, ,there was 12 to 18 month gap in communication from time of service until notification by provider of balances due. 

There was an extreme back up in communications by all parties that prevented timely discussion, objection, and resolution

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Northstar Location Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company has called me and failed to tell me who they are or what their business is, just demanded my personal information. 
Then they have been calling my family and ex girlfriends and that is how I found out the are a debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom This May Concern : Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX I am a victim of an XXXX XXXX ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the XXXX XXXX ( see attachment ). All 3 credit bureaus XXXX, XXXX and Transunion needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have pay the settlement but still showing on my credit report

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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 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 2023-09-13
Company: EQUIFAX, INC.
State: FL
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 writing to formally dispute the late payment entries on my credit report related to the following accounts : Account name : XXXX Account Number : XXXX I have identified several violations of the Fair Credit Reporting Act ( FCRA ) that pertain to these late payment entries : 1. Violation of 15 USC 1681a : These transactions and experiences should be excluded from my credit report as they involve interactions between the creditor and myself, and they should not be reported.

2. Violation of 15 USC 1666B : The creditor did not send me a statement within 21 days of my payment, which constitutes a billing error. Consequently, reporting these payments as late is inaccurate and a violation of my rights.

3. Violation of 15 USC 1681b : I have not given written permission for the reporting of these accounts to my consumer report. This is a violation of FCRA, which requires consent for such reporting.

Furthermore, FCRA mandates maximum accuracy in a consumer report according to 15 USC 1681e ( b ). The late payment entries on my credit report do not accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a modification review. I provided all of the requested documents. After I gave them ALL of teh requested documents, they started requesting more documents. I gave them those additional documents. They confirmed that they had all documents and suspended the foreclosure sale date based on that. Then about 2-3 weeks later, they called and requested more documents. However I do not have these documents. They asked for Balance Sheets. Assets and Liabiltiy and Schedule E documents. I contacted my CPA and he stated they are asking for financial documents that I am not required to create as I am considered a disregarded legal entity in the eyes of the IRS. I called and called and called and explained that until I was blue in my face. I received an update in XXXX that the foreclosure would move forward without these documents. I spoke to a manager named XXXX XXXX, he verfied with me that they DID NOT NEED those documents once he spoke to the underwritier and he would get this fixed. He is now on vacation .. I am still getting calls from the sinble point of contact and provided what they wanted and my house was still moved to foreclosure with a sale date of XX/XX/2017. I also have a CFPB complaint that I filed regarding this and BEFORE the new foreclosure date ... so Wells Fargo has been notified about this problem but has not responded to the CFPB Complaint. I got a letter in the mail dated XX/XX/2017 from Wells Fargo that my modification is still pending..however they still moved my home into foreclosure. This is called Dual Tracking and it is against the law.

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 2022-05-03
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my account with XXXX XXXX was transferred to another carrier. Arrangements were made in person at XXXX XXXX store in XXXX, CA and with the new carrier. All devices were included. The new carrier stated that XXXX would be notified of the transfer. 
Beginning in XXXX, I received a bill stating my XXXX account was not paid. The amount on the bill was for both XXXX and XXXX. I immediately tried to contact XXXX but all attempts to call were directed to a robot that didn't offer any way to contact a person and its menu was useless. I tried different phone numbers for customer service with the same result. Dialing " 0 '' during the call was not effective. I contacted a chat line and was told that the problem would be addressed. In XXXX and XXXX, I called a chat line and was told either the entire bill would be paid with no alternative. On XXXX, I was told I could pay the remaining XXXX bill even though no service was provided. On XX/XX/XXXX, I paid {$130.00} and was told that would end the account. On XX/XX/XXXX, I received another bill for XXXX. All attempts to resolve this has failed and I am not paying for a cancelled account with no service. There is now a device number on the bill for a device that I don't recognize. Today, I received a bill from a collection agency.

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 2023-04-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased international flight tickets with XXXX XXXX in Chase Travel on XX/XX/2022, a roundtrip from XXXX to XXXX for {$1500.00}. On XX/XX/2022, exactly a week before my intended travel date of XX/XX/2022, my friends who are traveling on the same flight but purchased tickets directly from the airline received an email about a flight change - a leg of the departure flight got cancelled so the airline automatically rescheduled us on a different flight. But the new flight schedule conflicted with the second leg of the departure flight, so the airline instructed my friends to call customer service. However, I did not receive any alert from Chase Travel at all about this exact situation. In the following days, I tried calling Chase Travel to help me reschedule with the airline, as I can't call the airline directly since I booked on a third party site. Through the multiple conversations I had with different agents, I got mixing answers on what the solution could be. I asked to escalate the case as my travel date was coming up, and I was promised a call-back from a manager, but I never received that call either. A Chase Travel agent told me they couldn't get in contact with XXXX XXXX, and another told me XXXX XXXX can't rebook me on another flight because there are no other available flights. 

At the end, I was forced to cancel my entire roundtrip ticket, and buy another new roundtrip ticket 4 days before the departure date, which costs {$3100.00}. The agent advised me to file a trip cancellation claim since the Airline cancelled the ticket. However, the claim was not accepted because the cancellation reason did not meet the terms, and Chase refuses to adjust the price to refund me the difference of {$1600.00}. 

I was then advised by Chase to contact XXXX XXXX directly for reimbursement/compensation. Interestingly, XXXX XXXX responded that they informed the travel agency ( in this case, Chase Travel ) of the flight cancellation on XX/XX/2022, in which I didn't receive any notification from Chase after this date. Furthermore, in their record, the travel agency did not " reach out to XXXX XXXX for guidance on alternate flight options. '' Overall, I'm very disappointed in the service I received from Chase Travel. Not only did they force me to pay more than double for my flight, they also relayed inaccurate message to me from the airline. When an airline cancels a flight, I'm entitled to either a full refund or get rebooked on another flight for free. However, I simply wasn't provided with the second option at all, even though I strongly demanded it. 

I already contacted Chase about this situation multiple times, but the best they're willing to do is give me 20,000 Ultimate Reward points, which equates to {$200.00} in cash value. But I paid {$1600.00} more out of pocket for this whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The institution tracks the funding via XXXX  XXXX XXXX and personal data is stolen through the third party merchant. XXXX  XXXX used a method of a two security feature that doesn't exist. When the student attempts to answer what possible password sensitive answers they are exposing personal data in which after the merchant and the third party country can intercept and manipulate the funds via School Financial Corruption. I attempted many times to reach out and the the school denies any information on funding. Becoming assertive and aggressive indicting wrong doing within the finical solidification process. In the end the third party merchant never successful grants you access to the account placing restrictions, in which they then use the funds via crypto currency for there agenda. I am sure the system is compromised as it continues with the the procument fraud guidelines.

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 2023-11-17
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPAL, I HERE ON BEHLAF OF PRINCIPAL ACCEPT ALL TITTLES, EQUITY AND RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CITI BANK HAS DISCRIMINATED AGAINST ME BY DENYING ME A RIGHT TO CREDIT UNDER THE EQUAL CREDIT OPPORTUNITY ACT WHICH CLEARLY STATES IT SHALL BE UNLAWFUL TO DENY A CONSUMER CREDIT ON THE FACT THEY HAVE EXERCISED A RIGHT. NOTICE CONGRESS UNDER 15 USC 1602 STATES CREDIT IS A RIGHT GRANTED MEANING IT IS ALIENABLE RIGHT. NOTICE IT IS FACT I HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CITI WHERE A FINANCE CHARGE WAS CONDUCTED AND A SECURITY WAS GIVEN TO CITI IN EXCHANGE FOR CREDITS BEING EXTENDED BACK TO ME. NOTICE IT IS FACT CITI HAS ACQUIRED MY ORIGINAL CREDIT CARD DEFINED UNDER 15 USC 1602 VIA A CREDIT APPLICATION AND HAD A OBLIGATION UNDER THE FEDERAL RESERVE ACT 16 TO EXCHANGED THAT INSTRUMENT VALUE FOR VALUE AND RETURN TO ME MY CREDITS. NOTICE IT IS FACT CITI HAS ACQUIRED MY CREDIT CARD ( ssn ) AND HAS NOT EXTENDED ME MY OWN CREDITS AS THE ORIGINAL CREDITOR DEFINED UNDER 15 USC 1691a. CITI HAS DISCRIMINATED AGAINST ME DENYING ME A RIGHT WHERE I RECEIVE NO BENEFIT NOW IN VIOLATION UNDER 15 USC 1644 AND 18 USC 242 AND 241. NOTICE IT IS FACT CITI HAS ALSO FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND HAS FAILED TO DISCLOSE ME MY RIGHT TO RECIND MY APPLICATION 3 DAYS AFTER APPLICATION. SINCE CITI HAS VIOLATED ME WHILE OBTAINING MY SECURITY CITI HAS NOW COMMITTED A VIOLATION UNDER THE SECURITY EXCHANGE ACT OF 1934 AND I WILL BE FORCED TO FILE A IRS FORM 3949a AND 211 AGAINST CITI FOR AUDIT. I HERBY EXERCISE MY RIGHT TO RECIND AND DEMAND MY ORIGINAL APPLICATION BE RETURNED AND ALL NEGATIVE REMARKS REMOVED FROM MY CREDIT REPORT IMMIDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payments on time at the beginning of each month. They credited my payment for XXXX with the payment for XXXX all in the same month. In other words they credited both payments twice for the same month. when I inquiredabout this ; they said it was because the finance the payments was in the same period, They then charged me a late fee, and sais I still need to make another payment in XXXX even though I had made a payment XXXX XXXX. So now I have to make another payment before XXXX XXXX. I never knew anything about cycle or period, I thought that if you made the poayment with a check or money order dated the XXXX XXXX XXXX XXXX it would be applied to that month as payment for that month and not applied to the previous month. I feel that this is just a gimmick to get an extra payment and a late fee that should not apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
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: Their investigation did not fix an error on your report

Complaint:
I sent both Equifax and XXXX  a request to provide me the original baring instrument that they had on file proving that they applied the accounts that were truly mine onto my credit file. I stated to both credit bureaus in writing that the FCRA Law Section 609 mandates that their agency have on file at the time of reporting a signed document showing that all accounts listed in my original letter were truly mine. However, both agencies have not provided me any documentation as required by the FCRA Law Section 609 stating that they have verified and have the written instrument showing that the accounts that I had in question belonged to me, which bared my original signature. However, both credit reporting agencies failed to send me the verified document, but instead, they just disputed the account with each creditor and then they lowered my credit score. I have also paid nearly {$8000.00} to one of my creditors ( XXXX XXXX XXXX ) in XXXX ofXX/XX/2019 and Equifax still did not increase my credit score. They lowered it. I have been on the phone with Equifax and XXXX  for several, several hours getting nowhere. Each representative appears to not be knowledgeable of the FCRA Law Section 609. They only offered to dispute the accounts that I listed on the letter I sent them certified. However, I did not ask them to dispute the accounts with the creditor, I specifically asked each Credit Bureau to provide me the proof of the signed instrument bearing my signature which they should have on file proving the account was mine. They have failed to do this and I would like the CFPB to enforce each credit bureau agency to comply with my request and since they do not have any proof that the account is mine to delete it off my credit file. I have attached the certified letters that were sent to both credit bureaus with this complaint.

Company response to consumer: Closed with explanation