BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-23
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the past couple of years I have maintained a Williams and Sonoma branded credit card through Comenity Bank. In XX/XX/2019 I attempted to go online as I always to and make my payment, my balance due was approximately $XXXX.  I was unable to log in using my account information which had been fine the previous quarter. I was traveling and unable to physically  pay my bill or call and the bank notified the credit agencies of my delinquency. My payment became past due. When I was finally able to call them I was offered no explanation as to why I was unable to make a timely payment online.  Instead, while I informed the representative that I intended to make a payment and close the account, she barraged me with balance transfer offers. I believe the website was purposefully unavailable to force customers to call in and speak with a representative in an attempt to gain more business. This has resulted in my credit score declining from XXXX to XXXX. I filed a complaint and the company did not respond. I believe many other consumers may have been impacted by this fraudulent activity and request that you investigate this matter as soon as possible. This is not dissimilar to the alleged “old” practices of XXXX of sabotaging customer accounts and then offering a great solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to express my deep concern and dissatisfaction regarding the recent denial of my request to block certain information on my credit report, as outlined in 15 USC 1681c-2. It has come to my attention that despite the explicit language in the statute mandating the blocking of information resulting from identity theft, my request has been denied.

Specifically, 15 USC 1681c-2 states that consumer reporting agencies " shall block the reporting of any information in the file of a consumer '' that the consumer identifies as resulting from an alleged identity theft. This provision is designed to protect consumers from the harmful consequences of inaccurate information stemming from identity theft.

I submitted a formal request to block specific information on my credit report, providing evidence that these entries are a result of identity theft and not related to any transactions initiated by me. However, I recently received notice that my request has been denied. 

This denial raises serious concerns about the protection of my civil rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The FCRA is intended to ensure the accuracy, fairness, and privacy of consumer information, and it grants consumers specific rights, including the right to block inaccurate information resulting from identity theft. 

The denial of my block request not only goes against the explicit mandate of 15 USC 1681c-2 but also raises questions about the adherence to the fundamental principles of fairness, impartiality, and respect for consumer rights, as outlined in the FCRA.

I urge you to reconsider your decision and promptly address this matter in accordance with the statutory requirements. Failure to do so not only perpetuates the inaccuracies on my credit report but also constitutes a violation of my civil rights under the FCRA.

I appreciate your immediate attention to this matter and expect a thorough reevaluation of my block request.

Enc : Police Report, ( 2 ) Identity Theft reports, Proof of Address, Photo ID

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There were MULTIPLE charges to my account that were not authorized by me totaling XXXX. I made a dispute, and within the next couple of days it was denied. Do you guys even do your research? Wells Fargo should be shut down for their deceit when it comes denying claims. Im 100 % sure they dont actually do the research required to make a decision.

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 2020-06-12
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:
On XX/XX/XXXX I reviewed my account with XXXX  and according to my payment history I was not late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX is reporting on all 3 major credit bureaus.

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 2023-02-18
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company is still reporting that I owe them debt to XXXX and I have requested them to Validate the debt numerous times via certified mail 6 months straight starting XXXX, 2022... They are still on my credit report even after mailing me a letter that they will stop contacting me about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit beaurus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My credit has not been updated accurately, I have paid all of my bills on time, and I recently found out that my car payment was not report for over 5 months so, that effects my credit score also this month they drop my score stating my balance on my car went up which is not correct. I pay over the amount due every month. This needs to be corrected I am looking to buy a house and with these in accuracies and discrepancies I will definitely have issues. I have filed several disputes with the bureau, and they have not been 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 explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited through Chase Bank mobile app 3 checks on XX/XX/. Each check was {$500.00} for a total of {$1500.00}. I waited for about a week and the funds were already taken out from the check writer 's bank account. Chase cleared the deposit and my balance was {$1500.00} plus a direct deposit from my employer for {$140.00}. On XX/XX/, I got a text notification from Chase that my balance was {$0.00}. I called Chase and was told that they closed my account and yet I was not even notified. They told me they will keep my account open as long as they could call the check writers who are my parents. They talked to my dad and told me the checks will be released from hold in 5-7 business days. I've kept waiting and yet still no funds. I called them again and they told me the numbers I provided were not registered, they never told me that the first time. The third time I called, they told me I need to have my parents contact their bank to make a claim with Chase to get that money back. The FOURTH time I called, they told me my parents need to call their cell phone providers to make sure the numbers are registered. They called XXXX XXXX and those numbers were registered in their name. I went to the branch yesterday on XX/XX/XXXX  to have the banker help me, the person on the phone kept on saying that their system can not verify my parents number. I am at the dead end, Im a XXXX  and I need those funds to help with tuition and expenses. XXXX  said the phone numbers are registered but Chase said they're not. It has been almost 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Many years ago, we left Bank of America because they kept charging multiple fees for small items around a XXXX XXXX weekend. We were charged over {$350.00} for less than {$30.00} of total purchases. That was totally ridiculous. We tried to fight it and eventually got some of the money back. This was the last straw. Funds being transferred in were delayed unnecessarily for over XXXX weeks, fee surcharges were outrageous. Credit card fees were crazy. 

Never again would we bank with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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 account is closed but still reflects 30 days past due in payment status and 30 days late after several disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On 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 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 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 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 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 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 XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-06-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern, I have paid XXXX XXXX ( through comenity bank ) on time every month. There were always strange changes on their statements that I didn't question because I had the intention of paying the balance in full prior to my XXXX statement. As an example ; " the balance subject to interest rate '' changed sometimes ( There was only 1 purchase on this account ). I was told upon opening this account that I would be allotted 6 months from my first statement to pay the balance off. That would be my XXXX statement ( which is still not generated online ). The first statement was dated XX/XX/XXXX, and states " XXXX XXXX XXXX '' meanwhile I actually bought the item in XXXX XXXX XXXX. I've never been to XXXX XXXX so I may even be due back money seeing as XXXX Lempira is equivalent to XXXX of US dollars. I'm not sure why this purchase actually shows as coming from XXXX XXXX. Possibly to benefit the business ( Just an assumption ) seeing as there is a major currency difference. Additionally I logged in to my online account today. XX/XX/XXXX between XXXX and XXXX and selected the option to pay " Total balance due '' and issued a payment of {$630.00} USD which should have cleared all balances on my account. I called this evening to close this account as I didn't want this company on my credit report any longer, and was told that the company showed I had interest charges exceeding {$100.00}. ( These charges are not accurate, and they were posted to my account after I paid off my balance in full ), Mysteriously they appeared thereafter the final payment was put through. I would like this to be looked into please seeing as I haven't even received a bill for XXXX as of yet, and I additionally selected the option earlier today to pay this balance in full. Approximately 4hrs later I'm being informed of additional fees after attempting to close the account, meanwhile this afternoon the website showed a {$0.00} balance. This seems extremely unprofessional, and somehow fraudulent. 

Please let me know if any additional information is needed from me, Thank you for your time looking into this discrepancy, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-11
Company: First Data Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX is attempting to collect on a debt that isn't valid. After paying the original creditor, XXXX, I do not understand why XXXX   XXXX XXXX contacted me about any debt from XXXX. Never the less when responding to XXXX XXXX XXXX I provided the payment I.D., that I was given but I have continued to receive notices in the mail in attempt to collect the what has already been paid..

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 2023-09-24
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am asking you to review your data on file for me and ensure that it is accurate and up-to-date. I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards. I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXXXXXX ( 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 2023-12-08
Company: EQUIFAX, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account names & account numbers as follows. 
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 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 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. 16815-2 ( 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 non-monetary relief
Consumer complaint received 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged 16 late fees from the time period of XX/XX/XXXX to XX/XX/XXXX which total {$580.00}, which represents more than 30 % of my total bill. I was making my payments on time automatically deducted from my account for payment towards my balance. The amount that was being deducted wasn't enough for the minimum payment and was off by a few dollars. I am XXXX  XXXX and did not realize this on my statement until my daughter noticed my statement. I have been calling Capital One about this issue and it has still not been resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I moved to Georgia from Oklahoma. Opened an account with XXXX. 
Everything was fine for a while. Was remodeling my home and got several withdrawals. 
to pay contractors. 
Went to the bank to withdraw more cash. They said no my account was frozen due to suspicious reasons. The Manager said, she did not know why. I have been there in person and called several times with no response. The branch manager even hung up on me. 
I then received an email with a phone number to call. which I did. Supposed to be corporate.. I would speak with an agent, and they would say please hold on while I investigate. and would transfer me to a different agent. same thing happened to me. I spoke with at least four different. Agents, kept being put on hold. At last after an hour, I was cut off. In other words, hung up on. 
I was not discourteous, I do not yell or curse I am almost XXXX XXXX XXXX. I truly need your assistance. Please advise me. They have over {$5000.00} dollars and will not release it. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: W&A Intermediate Co., LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been billed with several XXXXXXXX XXXX and medical bills that arent mine. These debts have been removed before but they keep buying them and adding them back to my credit report. They try to say that theyve been validated but refuse to send me any proof of validation. I have filed the proper police reports with my local police department.

Company response to consumer: Closed with explanation