BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Bread Financial 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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX andXXXX 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 2018-10-09
Company: BB&T CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On or about XX/XX/XXXX I purchased a car and received financing through XXXX XXXX   XXXX  ( XXXX ). I signed a 72 month contract with a finance rate of 18.95 % and monthly payments of {$880.00}. During the course of the loan I was allowed a total of 8 deferments, which I was informed there would be no penalty and the deferments would extend my loan as they are placed on the end of the loan. My original maturity date was XX/XX/XXXX but due to the deferments matured in XX/XX/XXXX. Towards the end of the loan I received a statement which led me to call the finance company and inquire about the balance. I placed this call on or about XX/XX/XXXX and was informed that due to the deferments I had an outstanding balance of approximately XXXX XXXX. During this call I was told that the deferments caused me to accrue an outstanding interest balance and that is why I still owe on the car. On that same day a payment history was emailed to me and I was reminded that, according to the contract, this is a simple interest loan. The representative attempted to explain the situation and stated that the interest on the deferments accrued over time, but every time I reiterated what he explained he would say I did not understand how simple interest loans work. So I researched the definition of simple interest loan and studied my payment history for further clarity. On XX/XX/XXXX the starting balance was {$37000.00} and first payment of {$880.00} was made. Only {$5.00} was applied to the principal and {$870.00} was applied to interest. Apparently, there was a miscalculation from the very beginning. The applied interest should have been approximately {$580.00} and the remaining {$290.00} should have been applied to the principal. Throughout the course of the loan, there were a total of 9 payments made where {$0.00} went towards the principal with one time being 4 consecutive payments. This is partly the reason I have an outstanding principal balance. In fact, the history shows random and sporadic interest charges, most times inflated. In one instance, on XX/XX/XXXX, after over 3 years of paying on the loan, only {$6.00} was applied to the principal. According to the definition of a simple interest loan, the amount applied to the principal will always increase and the amount applied to interest decreases as the loan matures. This is not reflective in my payment history. As stated in a letter provided to me on behalf on XXXX on XXXX XXXX " the interest accrued is based on the outstanding balance. '' I am unsure how they calculated the interest because it does not coincide with the outstanding balance and an interest rate of 18.95 %.

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: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer. 

Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt. 
Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request. 
Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to loss of income before and after Covid 19 I have been struggling to make my mortgage monthly payments. When Covid 19 came I contacted SPS and I was offered a Covid 19 Forbearance plan for only one month paying {$860.00} on XX/XX/XXXX. I was never explained why they did not continue with this amount for at least a few months. 

Before XX/XX/XXXX, I had also contacted SPS, due to loss of income, and I was put on a plan for 3 month 's paying {$500.00} from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I was never told that the amount that I was not paying on the regular monthly payment of {$1200.00} would continue to accrue as late. I believed that this would just stay at the end of the loan and after my repayment plan I could continue with my regular monthly mortgage payment of XXXX. 

Now on XX/XX/XXXX they send me a letter that I am approved for a temporary repayment plan of 12 months paying {$2200.00}. How could they expect me to pay XXXX XXXXXXXX when I am struggling to pay XXXX XXXX? I appealed this decision, asking them to please modify this plan to 18 months instead of 12, hoping this would lower the monthly payment. I initially had asked to please put this total repayment amount at the end of the loan but they refused. They have also denied my appeal request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-14
Company: CITIBANK, N.A.
State: TX
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:
I did a balance transfer to a Citi Bank card that advertised no APR for several months. My payment is due on the XXXX each month. I started making my payments early at the beginning of each month, usually on the XXXX or XXXX of each month. Due to their statement not generating at that moment it does not apply my payment for that month. So each month it will still show that I owe for the XXXX of that month even though I have already paid. They charged me a late fee in XXXX but then reversed it when I called to complain. I called again in XXXX to try and fix my statement due date because I already paid for XXXX. Each time I called I get someone who does not understand English very well and overall just doesn't understand what to do. They have advised me to wait and pay after the statement generates to avoid this issue. They fixed my account for XXXX so no late fee would get charged because I already made the payment. When it came time to pay XXXX 's payment I waited to pay on the XXXX after the statement generated. It showed that I had not paid for XXXX and that I was past due. When I made the payment for XXXX it was applied to XXXX and did not reflect I paid for XXXX. I made the payment on XX/XX/XXXX. Once again I tried calling and the man who barley understood English told me not to worry and that once the payment processed it would fix my account. I called again on XX/XX/XXXX because it shows I still owe for this month. I spoke to two supervisors and was advised that I would have to make another payment for XXXX and that it posted for XXXX. They said there was nothing I could do and that he would change my due date to the XXXX of every month but that I would still have to make another payment for XXXX. I am being penalized for making my payments early because their billing statement can not keep track of payments and when they are made. He told me I would have to pay late fees if I do not make another payment in XXXX and the fees will get charged each month.

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have put in several disputes in regards to the method of verification and the validity of several accounts as it pertains to my credit report and they have in fact violated several of my rights. 
On 12/28/2021 I sent a letter to the credit reporting agencies asking them per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Under the doctrine of Estoppel by Silence Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. It has been well over 30 days as my last letter was sent certified on XX/XX/2021, with a signature receipt. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment XXXX XXXX ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. They are also in violation of FCRA 623 ( b ) Furnishers Investigation of Disputes filed with the CRA 's. 

I would like to also seek damages under the CFPB Regulation V. Federal law ( 15 USC 14, seq, et ) requires that they respond within 30 day, and they have failed to do so, this a blatant and objectionable disregard of the law. 

I have attached multiple exhibits that further help my case as they have violated my rights.

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 2020-09-30
Company: Experian Information Solutions Inc.
State: WA
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 was called by XXXX XXXX Fraud department warning of a new card application in my name ( with name, date of birth, an social ). They recommended calling XXXX, XXXX, and Experian to dispute new inquiries and implement account freezes. I had a horrible time with Experian on the phone. Someone had fraudulently opened an account with my information on Experian.com using their own email address. Unbelievably even after answering countless security questions Experian representatives explained " they can't change the registered email address because there have been too many login attempts, and that I should try again in 72 hours! '' In the meantime, they can not guarantee that whoever opened this online account using a different email address will not be able to log in. Since they were able to create this online account, I'm afraid they have access to my entire credit history including past addresses, phone numbers, and other identifying information. It is completely unacceptable in my mind that Experian gave me the run around on the phone for hours and was not able to change the fraudulent email address on file.

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 2018-04-23
Company: NCC Business Services, Inc.
State: NC
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 have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX  and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are XXXX XXXX XXXX for {$90.00} and XXXX XXXX XXXX for {$11000.00} and NCC business services for {$3600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
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 XXXX XXXX XXXX. 

XXXX  XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( XXXX Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-23
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXXXXXX 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 1 5 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

Company response to consumer: Closed with non-monetary relief