BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit reporting 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:
XXXX XXXX had run my credit and approve! my application and turn around and denied me for the program and left me with a hard inquiry on my credit report two time. dates are XX/XX/XXXX and XX/XX/XXXX. I am requesting for them hard inquiry to be remove form my credit report they are on all the credit reporting, XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan payments are not systematically applied to principle and interest despite no change in interest rate. The application of payments that should go to principle but are instead going to interest have increased the cost of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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: KEYCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have cancelled and fulfilled my obligations with XXXX I keep getting money taking out from my debit card even though i have cancelled and have confirmation of my cancellation. I have contacted them numerous times as well as my bank. Still getting billed. The last 2 charges were on XX/XX/2022 and then again on XX/XX/2022. My bank has reimburse me for the previous charges but have not stopped XXXX from withdrawing money from my account. I have placed a stop payment order with key bank and revoke authorization for XXXX to take money for there XXXX XXXX XXXX that i no longer have need or want and have cancelled. I have confirmation that they received my cancellation and they say they cancelled it but continue to bill me. Im not happy with key bank for not helping stop this matter and im not happy with XXXX. They only billing communication is through email. There is no actual human to talk to in person. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A line of credit was set up without my authorization by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I have disputed this debt multiple times with the creditor ( by phone and in writing ) and with XXXX. Each time this company removes the delinquency but then reports it again as delinquent 60 days later. They have never proven that I authorized this line of credit because I did not. XXXX has failed to get them to provide any proof that I owe this debt. I have documentation from my insurance company that they negotiated and paid the charges so I dont even owe the amount being charged ( see attachments ). They have never tried to resolve this issue with me or XXXX XXXX XXXX despite me calling and writing to dispute the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I notified Experian and XXXX by mail of my only existing name, address, phone number, and XXXX in XXXX of XXXX. 

My Experian report as of XX/XX/XXXX still shows 6 different names ( all of which are incorrect ), 3 different phone numbers ( 2 incorrect ), and employer I do not work for. I have made several attempts to contact Experian by phone since and have not gotten through. 

My XXXX report as of XX/XX/XXXX still shows the wrong Employer. I have made several attempts to reach XXXX by phone sine XXXX of XXXX unsuccessfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: United Shore Financial Services, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX on 2022 I made a mortgage payment of {$920.00}. The money was removed from my XXXX XXXX XXXX checking account and posted to United Wholesale Mortgage. However, United has stated that I have missed a payment from that time. I have been calling and messaging trying to resolve this issue for XXXX years. United States that they attempted to charge my checking account, but that it did not go through and that payment was not accepted. However, I received a XXXX XXXX report from XXXX XXXXXXXX XXXX stating that the charge was made to my account and no money was refunded in that amount at any point. When I attempt to reach out to United Wholesale Mortgage, they requested this document, but once I provided it they sent me in circles stating that they did not accept payment despite the fact that I provided the proof previously requested. 
United had used this incident to state that I am therefore XXXX  days late on each payment that is on time since then, accruing late fees and negatively impacting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the 3 crediting bureaus sold this fraudulent debt to a crediting agency, XXXXXXXX XXXX, they refused to investigate, they did not want to expunge the debt from my report unless i paid. requested and received pay to delete under false pretenses resulting in identity theft on their part according to the Identity Theft and Assumption Deterrence Act of 1998, This Act makes it a federal crime to " knowingly transfe [ r ] or us [ e ], without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutions a violation of Federal law, or that constitutes a felony under any applicable State or local law. '' ( 47 U.S.C. 1001 et seq. )

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 2023-05-21
Company: Netspend Corporation
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
You will assist me this time, this is every financial institution since I notified the VA and XXXX I was filing criminal charges on them, that they are doing blatant felony fraud. You took care of the XXXX  XXXX XXXX XXXX, the VA got word and you and the XXXX have refused to help me since, me and my attorneys have been recording the evidence. This is blatant, falsifying official bank records, creating overdrafts, entering of false information in order to deceive, sending false trans histories to a record device i.e. online, mobile app in order to deceive, failure to keep a true balance. The records coming from Netspend  that must be requested do not absolve the crimes. Federal law specifies that it is any record which the public relies upon. It's time the FED put Netspend and all their cards in a prison cell

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 2022-01-21
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis is releasing my report to entities without my consent even after I have submitted a credit lock/freeze on my account. They have done this now at least two times. The companies they are releasing to are not government entities so they shouldn't be releasing the information unless I provide consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Be aware that this is a notice to Caine Weiner for the following alleged debt with account number : XXXX from progressive. As of right now I have requested that this company cease all communication as described in the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is a medium of which this company is chossing to communicate with me. I did not get them written consent to do so. Pursuant to 15 U.S. Code 1692c this is a notice to cease all communication including credit reporting except that you may communicate with me under the stipulations of responding to a complaint from the consumer financial protection bureau ( cfpb ). If it does not stop I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TransferWise Ltd
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We have an account with WISE which had the accounts hosted at XXXX bank. 
WISE informed us on a very short notice about account number change. 
A large payment ( around XXXXUSD ) made on XXXX XXXX ( last day of account operativeness ) never reached us nor returned to the sender. 
We asked several times WISE to track the payments and revert but we've been told to wait and possibly ask the sender to inquiry. 
We are a XXXX and this missing payment is heavily affecting our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Bread Financial Holdings, Inc.
State: CA
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 Fair credit act this creditor ( XXXX XXXX Bank XXXX has violated my rights. Under 15 US c 1681 section 602 states I have a right to privacy. 15 US c 1681 section 604 ( a ) section 2 it also states that consumer reporting agencies can not furnish an account without my written instruction. Under 15 US c 1666 b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
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:
In accordance with the Fair Credit Reporting act 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, 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 an account without my written instructions.

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 2023-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I reach out to XXXX XXXX and Equifax XX/XX/2023 and XX/XX/2023 about accounts and collection I had no acknowledge of. I first dispute online and the report came back accurate. So I called the credit bureau to reopen the investigation and explain that the company in question didnt notify me of the debt and wasnt returning my call. I asked for the Investigation to reopen and mail me any proof of signature original contract or anything they had on file that shows me Im responsible for the debt. After about 15 days debt came back verify again through email but never mailed me a updated credit report or the proof that shows Im responsible for the debt. 

The debt in question is XXXX XXXX XXXX XXXX is {$6.00}, XXXX XXXX XXXX XXXX The amount is {$530.00} The XXXX XXXX Amount {$420.00} All dispute was updated again on XX/XX/2023 and doesnt give me the option to dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NC
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: American Credit Acceptance, LLC
State: TX
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 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 : American Credit Acceptance # XXXX, Account Name : American Credit Acceptance # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : Dept of ED/XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX, XXXX # XXXX 15 U.S.C 1681a-4 -states I have the right to privacy.

15 U.S.C 1681s-2 section B -states a consumer reporting agency can not furnish an account without my written instructions.

115 U.S.C 1681a-5 - states no consumer reporting agency may make any 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 - section A- states 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 2023-02-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-21
Company: Incomm Holdings Inc.
State: MA
Product: Credit card or 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 purchased a prepaid XXXX gift card from XXXX at a XXXX XXXX {$500.00} use it a couple of times maybe XXXX or XXXX and every time I used it it was I had to call the customer service for sometimes XXXX or XXXX hours wait to get okay for every time finally near the end after somebody else was charging on the card also they shut it off with about a couple of XXXX dollars still left on it and that's the last I've heard of it can't get any more information on it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I mailed a request to close my checking account with Citibank in XX/XX/XXXX. At that time the account balance was {$0.00}, with no transactions pending or scheduled for the future. 

I received an e-mail notification on XX/XX/XXXX that a $ 12 monthly fee had been charged and my account was overdrawn. I spoke with Citibank via phone later that day, and reiterated my intent to close the account. I was told the fee had been removed, and my account had been closed. I then received another e-mail on XX/XX/XXXX indicating that a {$46.00} fee had been charged, and my account was therefore overdrawn. I spoke with Citibank via phone later that day, and again reiterated my intent to close the account, and was again told the fee had been removed and my account had been closed. I then received another e-mail from Citibank on XX/XX/XXXX indicating my account was overdrawn by {$34.00}, and a demand for payment of the fee, or the account would be closed.

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