BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: WA
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:
Comenity Bank issues XXXX XXXX XXXX XXXX. I had a payment due of {$2900.00} in XXXX. I made the payment through my bank ( XXXX XXXX XXXX ) with plenty of time before the due date. I have a screenshot showing that the payment was received on XX/XX/23 and removed just after ( same day ). They claimed on the XXXX of XXXX that no payment had been made. I called the credit card company, my bank, the credit card company again, and attempted to resolve the situation. I ended up putting a stop payment on the XXXX of the check that had already showed it had been processed, and then disappeared from the statement. The credit card company then sent me a second bill for the new charges, plus the original charges of {$2900.00}. I made this payment via personal check which I took to the post office on the XXXX of XXXX for a total of {$7400.00}. This was the bill minus the finance and payment charges ( total of {$100.00} in fees ). Then they charged me the {$100.00}. ; XXXX plus additional charges and stop payment fees, for a total of {$310.00}. I paid this amount in full when I received it. I just received another message from the bank on XXXX stating that my payment was due by XXXX. The payments all show as credited on their system as of XXXX, and all monies have been taken out of my bank. This took a few weeks to resolve with a lot of stress and concern, and XXXX has been less than helpful. I wasn't able to talk to anyone at the bank, only the call center. And I know that a few people I know have been going through the same issue with lost payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian is reporting inaccurate and false information on my consumer report, I have notified them over four times on how they have violated my Consumer rights Under the FAIR CREDIT REPORTING ACT. See 15 USC 1681 ( b ) Reasonable Procedures, Experian is reporting inaccurate and knowngly false information on my consumer report, by way of a reported late payment on an accepted account held at XXXX XXXX. They are also in violation of federal law 15 USC 1681 a ( 4 ) and have failed to insure their grave responsibility for furnishing information that violates my privacy and is neither impartial. 

XXXX XXXX inaccurately reported a late payment back in XXXX of XXXX on my consumer report which I contacted them to remove and update to the correct status and they agreed it was incorrect and should say paid on time, but it has been over XXXX days since I have been reaching out to Experian to fix this issue but they are ignoring me and failing to assist me in resolving this issue, which is hurting my ability to obtain goods and service under credit which is my right. 

I have already filed multiple complaints to consumer financial protection bureau the last in XX/XX/XXXX XXXX XXXX XXXX XXXX which claims they were responding yet never did and its been over 45 days which they need only 30 days to respond yet didnt.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report are incorrect. 
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 XXXXXX/XX/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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-02-04
Company: JPMORGAN CHASE & CO.
State: WI
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:
XXXX XXXX opened on my account that I did not approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: AR
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality accounts FAIR COLLECTIONS AND OUT and 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 a STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 1681c. ( A ) ( 5 ) section states- NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, ORTHER THAN RECORDS OF CONVICTIONS OF CRIMES ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
IN REGARDS TO MY OPEN COMPLAINT REFERENCE XXXX, I RECEIVED A LETTER FROM TRANSUNION TODAY XXXX STATING I NEED TO CONTACT THE CREDITORS MYSELF AND LET THEM INVESTIGATE. WHAT PART OF DUPLICATE INQUIRIES AND FRAUDGLENT INQUIRIES DO THEY NOT UNDERSTAND. I HAVE BEEN THROUGH THIS WITH TRANSUNION MULTIPLE TIMES WHICH IS WHY I CAME TO THE CONSUMER GOVERNMENT SITE FOR HELP. THEY ARE REFUSING TO REMOVE DUPLICATE ACCOUNTS, THEY ARE REFUSING TO REMOVE FRAUD ACCOUNTS KNOWING I AM A FRAUD VICTIM. THIS IS MY FINAL COMPLAINT AND THEN I WILL HIRE AN ATTORNEY AND PURSUE LEGAL ACTION AGAINST TRANSUNION FOR ALLOWING CREDITORS GET THROUGH TO EVEN MAKE AN INQUIRY ON MY REPORT WHEN MY ACCOUNTS ARE FROZEN AND SHOULD NOT BE ALLOWED ACCESS FROM ANYONE. THEY STATE SOMETIMES THERE IS A GLITCH IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY PREVIOUS OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT. TRANSUNION 'S REFERNCE NUMBER THEY PROVIDED ON THEIR LETTER IS REF XXXX, I AM NOT AND WILL NOT CONTACT THIS COMPANY AGAIN AND SPEND ANY MORE OF MY LOST HOURS AND TIME EVERY DAY TRYING TO DO THIS. EITHER THEY TAKE CARE OF IT OR I WILL HAVE IT REMOVED LEGALLY AND SUE THIS COMPANY FOR LOSS TIME, MENTAL ANGUISH, PUNITAIVE DAMAGES THEY HAVE CAUSED ME WITH THIS SITUATION. THE INQUIRIES ARE FRAUD AND DUPLICATES REMOVE THEM .... DONT SEND ME A LETTER SAYING I HAVE TO DO IT, AS IF I ALREADY DIDNT SPEND MONTHS TRYING TO DO THIS AND YEARS ON OTHERS. DO NOT REPLY BACK TO THE CONSUMER SITE SAYING YOUR STILL WORKING ON IT AND 2 DAYS LATER SEND OUT A LETTER TO ME. UNACCEPTABLE.DO YOUR JOB...

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 2022-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For months Capital One Bank has been mentally abusing my family and I, with every check deposit being a pro-long hold on my funds. always have to call and ask why this long wait on my checks and even cash deposits. Made a Credit Card payment and it's on hold for 26 days, Checks on hold for 6-9 Days, I have even had a Cash deposit on hold for 7-10 business days. 
When would call in the Customer Service, they would reference how there are so many restrictions on my account. Made a deposit with a teller in XXXX XXXX, NY where he said straight up, " Capital One don't want your business, go find yourself another Bank Bro ''. 
my debit card had a hack to it, they cancel my card and the agent was to send me a new card in 3 to 5 business days, 3 weeks after no card replacement.

The abuse Capital One Bank unleashed at me and my family is unreal. 

The frustration got to a point where I asked an agent if they wanted me to be violent? 
But as the script they read from states, " We understand your frustration, we are doing everything we can to help '' I ask to Close my account and they refused to, so I stop using the account and on XX/XX/XXXX I called in and closed my account. The agent said the check will take 7 to 10 days for me to receive my balance on my account in the form of a check. 
Today is XX/XX/2022 and still no check. After a follow up call the first agent, he said that's why I have so many restrictions and them closing my accounts, For me asking him why after a month they fail to process my request and send my money to me. 
They XXXX a letter to me forthwith but failed to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: NY
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 submitted a complaint last XX/XX/ XXXX XXXX  and some got deleted there are still a lot of fraudulent items reporting. I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # 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 2022-06-11
Company: Experian Information Solutions Inc.
State: TN
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:
inquries XXXX XXXX  XXXX, XXXX  XX/XX/20 XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud

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 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Bank of America has blocked my account and I cant access it or use the funds I have in it. As I dont live in the US its impossible for me to visit a branch to solve the issue, Ive tried calling more than 20 times and nobody offers any solution. When the account was opened I was promised I would be able to solve any issue via phone or app and this has not been the case, I am in urgent need to access the account as I need the funds and to be able to make transactions with the account, thats why I opened it and I have not been able to use it.

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 2022-10-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried to access my free annual credit report and was not able to on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: USCB, 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: Account information incorrect

Complaint:
I filed a complaint about USCB America previously and they responded by taking 1 out of 7 collection records out of my credit report. I need all other 6 remaining reports to be taken out of my credit report. They refused to discuss anything over the phone and they keep hanging up on me. The report number was COMPLAINT ID XXXX. The remaining dates and amount are the following : XX/XX/2020 - {$2900.00} XX/XX/2020 - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/2020 - {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called a mortgage banker XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX. 

I applied for a home loan grant for down payment assistance. 

The banker ignored my calls and then referred me to other credit counselors after I got denied. 

After going to the counselors, they told me that he shouldnt have referred me to them as they can not help. 

The credit counselors believe the banker is practicing discriminatory actions towards me. 

This seems to be another story of an XXXX American being shun from mortgage programs

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 2020-03-06
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. 

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. 

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. 

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. 

I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX etc. There are XXXX of these accounts open. This letter is addressing all XXXX accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-05
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX received a letter from National Credit Systems indicating we owed {$1400.00} on apartment rent from XXXX XXXX XXXX Apartments. We moved from XXXX XXXX XXXX in XX/XX/XXXX. 

XX/XX/XXXX went to XXXX XXXX XXXX management and they confirmed WE HAVE NO OUTSTANDING DEBT. They printed out our full payment history. Management also indicated they did not use National Credit Systems as their debt collector. 

XX/XX/XXXX mailed payment history and return slip to National Credit Systems disputing debt. 

This debt collector has since indicated we have not supplied suitable evidence and has continued to pursue myself and fianc. They are threatening to report us to the credit bureau.

Company response to consumer: Closed with explanation