BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I opened a credit card with Jared the XXXX of Jewelers store, issued by Comenity Bank. On XX/XX/XXXX, I called Comenity Bank and asked for the total balance due, because I wanted to pay off my credit card. They provide me with the information of {$320.00}. I made the payment over the phone and I paid off with my debit card from XXXX. On XX/XX/XXXX, I received a phone call from collection department stating that I have a remaining balance of {$39.00} and it was past due. I asked why I owe them {$39.00} if I paid off my credit card on XX/XX/XXXX? She said, the {$39.00} is for the credit card fees that were not included when the amount due was given. I asked the lady to put a manager on the phone. She put me on hold for a long time, and when she came back, she said that they were going to remove the fees. It seems that they incurre after the payment. She realized then that I actually had a credit. Also, she stated that by XX/XX/XXXX, a letter will be arriving with the notification of XXXX balance due. I never received the letter and I never bothered in calling them. I trusted the lady and since I paid them off, I just let that go, meaning the letter. On XX/XX/XXXX, I noticed a missed payment on the XXXX XXXX - credit score information. I called XXXX right away thinking that they have me as missed payment. They advised that they were not, but some other creditor did. I called XXXX and I opened a complaint to investigate which creditor did that. I received a letter on XX/XX/XXXX from XXXX stating that they concluded the investigation showing that Comenity bank/Jared credit card still have me of being late 30 days. I want this creditor to hire qualified customer service, because we consumers are paying the consequences. This is impacting my credit report/score because the miscommunication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no association with the mentioned creditors, and I did not initiate the inquiry in question. I kindly request that you promptly remove this inquiry from my credit report as it is inaccurate and does not reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: GA
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 went to a Car dealer company and they said they would run my card one time only but then they ran it 30 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: NY
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my eleventh 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, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a complaint on XXXX, XXXX  & Experian due to failure to report accurate information on my credit file. I have contacted the company my phone, via mail and onlin disputes.

The company has violated my rights accoridng to the FCRA section 601. Several accounts listed on my report have factual discrepancys. The FCRA states that a charge off account cant reflect any current activity such as a balance. The account must state the last date of payment/ activity. When this account was charged off. The account cant report each month as a C/O on the credit reporting. This is a direct violation. There should be a balance of {$0.00}.

Also each bureau should reflect the same information accurately.

The following accounts are in violation and need to be deleted XXXXXXXX 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 2021-05-14
Company: EQUIFAX, INC.
State: CA
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 complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I need help! I had to take out a small loan from PFC in XXXX  XXXX IL a couple of years ago for a few XXXX. They then called me to renew and offer me more money a couple of times than I had an emergency and had to get a payday loan for medical expense and at the same time Mariner Finance bought out PFC XXXX XXXX XXXX  XXXX IL XXXX XXXX. So they refinanced the loan again and added a couple XXXX to the balance which brought it up to around {$6800.00}. I had borrowed from PFC in XXXX IL and never had problems in the past interest was around 30 % but Mariner is charging me a 36 % interest rate daily and I think it is more like 100 % like a payday lender as they did not explain all and my balance is not going down after months of paying {$260.00} mo. My balance on my credit report is going up instead of down. I called today and asked and they said they set the loan up for 49 mo at {$260.00} mo 36 % daily interest, principal {$11000.00} and if I paid off XX/XX/XXXX it would be {$7100.00}!!! I need help getting out of this XXXX XXXX also doing the same charging me the same rate on a $ XXXX loan, the mgrs know each other. My credit is perfect other than the loan from the last recession that fell behind I wrote you about that is still illegally being reported on my reports the IL AG is looking at, but credit score is now XXXX and no one will refi loans at a lower rate because I dont have a lot of credit cards and that one loan still showing after 7 yrs so they are intentionally keeping my score low as I reported all to regulators so they can make me pay subprime rates to get back at me!! Help me please with this!! I am twice widowed, no help, live on one income, and work at XXXX XXXX XXXX XXXX XXXX!! This loan is suppose to be a fix rate loan and it is instead like a payday loan they are gouging me with interest!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: SC
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
Company: Spring Oaks Capital, LLC
State: AR
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:
Spring Oak is claiming to have sent proof of documents in the following debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. 

Please see the letter sent an attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). 
In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. I am requesting the following to be sent to my address above : Original debt contract with my signature, Proof of Debt assignment, All legal binding contracts, Payment history Name and address of original creditor I am requesting this to be sent immediately to my address or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. 

Because they are not following the following laws this must be removed immediately from my credit report.

15 US C 1681 section 604 A 15 US code 5 1681
b

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened up a credit card Account with Capital One, # ( last four numbers XXXX XXXX. I authorized a second user. The second user charged over the limit by an additional {$1300.00}. I called the respondent and asked why they allowed over the limit purchases. They said under circumstances they could do it, even though they previously advised me that no one could charge over the limit. As a precaution they placed my account under restriction. I am now trying to pay my credit card. As if this day, XXXX, XXXX, 2020, their official website stated I have {$220.00} in cash to lower my credit card debt. I tried to lower my credit card debt. The web site stated I could not redeem at this time, -and my account was restricted with a {$1000.00} credit limit. I called Capital One and talked to three representatives. They all agreed that I do have {$220.00} cash to redeem but my account is closed and I cant use the {$220.00} to redeem. I told them that their official document said my account was restricted and I could not redeem at this time. I asked all the representatives when I will be able to redeem my cash rewards to lower my credit card debt. They said never. I have been discriminated against. I complained before, based on my XXXX, that they allowed over charges when I previously called them up to verify that they would not allow over charges ( {$2300.00} ) on my card with a {$1000.00} credit limit. They provided false information stating that they would not and then did. Now they are denying me the legal right to lower my credit card bill by using my cash rewards in retaliation for complaining before. Their documents state I have {$220.00} to redeem dated today, but not at this time because my account is restricted. They have now denied this redemption. They have charged me interest under the COVID-19 pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a XXXX XXXX XXXX XXXX XXXX credit card account in XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card dispute with CAPITAL ONE BANK USA N.A. in XXXX. Capital One charged off the debt and sold it to a third party. No communication/no payments have been made by me regarding this debt ... and it should have been deleted from my record ( amount {$2200.00} ) some two and a half years ago. 

Recently, a SECOND third party debt purchaser, XXXX XXXX XXXX, purchased the account on XX/XX/XXXX and has made attempts to collect.

I called the original creditor, CAPITAL ONE BANK USA N.A. and asked for the ORIGINAL date they sold my debt to a third party. They refused and attempted to get me to call the new company assigned to the debt. I want no communication with the company so I called XXXX  and opened a case regarding fraudulent activity on my credit report. ( XXXX  Report Number is available ). XXXX  Fraud Agent, XXXX, ensured the company would contact both Capital One Bank and XXXX XXXX, requesting my usage/activity as well as the ORIGINAL date Capital One discharged the debt. 

XXXX  contacted me XX/XX/XXXX after ONLY contacting XXXX XXXX who generated the activity they reported since their purchase on XX/XX/XXXX. 

Personally, I've had only ONE credit card for the past nine years. By demanding the charge off date from CAPITAL ONE BANK USA N.A, you will see how long the account has been on my account. XXXX  basically didn't do their job and the fraudulent account remains a blemish on my credit score. 

In summary, if I could have access to CAPITAL ONE BANK USA N.A and the date they charged off my account, it would prove XXXX XXXX XXXX purchase of the account on XX/XX/XXXX is fraudulent, being the account is well past seven years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am trying to merge my old cash app with my new one so that I can access funds that were sent to my old cash app account I no longer have the phone number attached. I performed all of the steps that was listed under the cash app support options and still got no results. I called the XXXX number listed online for cash app and could not get a live operator on the phone and the automated system was very unhelpful. I also sent an email regarding this matter yesterday and was told that someone would get back to me a soon as possible but it has been 24 hours and no one has responded. My stimulus check was deposited into my cash app and I can not retrieve my funds that I desperately need access to and can not do so until Cash App can merge my account with my new one. Please fix this matter ASAP because it is a major inconvenience to me and my livelihood right now creating too much anxiety for me. You would think that they would have a more professional less stressful way of providing services to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2023-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I still can not link my PNC account with my XXXX account since I already call the PNC but the agent can not figure out what's going on.

Company response to consumer: Closed with explanation