BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
I purchased an item from XXXX using the flex pay method and set up the auto pay using my banking information. They extracted the amount and then returned it saying that my bank cancelled the payment which is untrue. I then received a notice from one of the credit report websites stating that my score had been reduced, I had been subjected to a previous incident under the same circumstances and was able to get the matter resolved when I contacted XXXX XXXX XXXX, they said I needed to write in which I disagree with because the error ( if there was one ) is their fault and I should not have to go through this process because of their fraudulent practice. The interested suddenly increased to 28.90 % which again I should have not be subjected to. I thought that XXXX was a reputable company until this incident took place. I am therefore requesting your intervention in this matter and that my credit score be restored to its ' previous value. I also want CFPB to know that I paid the full amount before contacting your agency and asked that my account be closed because I do wish to be in business with companies that do this bait and switch method of business. Thank you and I look forward to hearing from you in the future regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The accounts below are reporting the incorrect opening date and reporting accounts that have been removed from other bureaus. I have asked the credit bureau to verify the account information they are reporting and match it up with the other bureaus but they all send back accounts verified with no change. Please see the proof and evidence these account are reporting different on XXXX, TransUnion, XXXX. 

XXXX XXXX balance is {$0.00} but still showing as a charge off. please change to paid in full never late XXXX XXXX XXXXXXXX incorrect opening dates and was removed from XXXX for XXXX reporting data XXXX XXXX XXXX  XXXX had been sold and paid off with {$0.00} balance but still showing as a charge off. please change to paid in full never 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 non-monetary relief
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The company is furnishing inaccurate and false information on my credit report

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 2019-01-22
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being charged {$260.00} from College of XXXX Nevada. This is reported on my credit and I've tried to resolve this matter in every way possible. I enrolled for 1 class, lower division and I was being over-charged for the non-resident tuition. I do live in Nevada however, I didn't realize that I needed to apply for the resident tuition. With that being said, I'm still being over charged, I had to drop the class because the tuition that I need to pay way extremely high. Once I dropped the class received a 50 % refund on tuition. After I dropped the class and all balances were updated, it showed that I had balance to pay of {$360.00}, then minus a pell grant of {$100.00} made the remanding balance of {$260.00}. The issue that I am is that from the beginning I was being over charged. I have filed an appeal with the College twice and never received a response back, I faxed and emailed it. I have email back in forth with the appeals & registrar office and have not been successful in resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I send the following message to XXXX because I do not have an email provided from them to deal with my previous complaint that is currently being investigated. See complaint no. XXXX filed with your office on XXXX I also filed complaint to dispute this transaction with Wells Fargo on XX/XX/ and haven't received a response back. This is what led me to contact XXXX who was handling the previous complaint with your office. They are not being too responsive to the matter. This shouldn't take this long to get a credit back to my account. 

I need to add to this complaint, as I reached out to the contact who is supposedly " investigating '' my complaint at Wells Fargo and told her how I was charged for items I ordered on XXXX on XX/XX/, but then about an hour later cancelled them because they were ordered by my husband erroneously. The total was for {$66.00} and XXXX cancelled the order IMMEDIATELY about an hour later, zeroing out the invoice telling me that nothing was billed. However, when I placed the order I immediately saw the " Pending '' transaction in my account. I watched for the transaction to drop off since XXXX confirmed nothing would be charged, but it never dropped off, but instead posted and deducted to my account and it still remains DEDUCTED from my account through tooday. I have attached the screenshot showing the cancelled order with the order number from XXXX from XX/XX/ for these two items. I expect this credit to be reversed IMMEDIATELY. 

When I called XXXX who is handling the complaint I made to the Banking commission, she was supposed to send me her email address so I can send her the invoice that XXXX shows as ZERO dollars because the order was cancelled. She never sent me an email so I can email her and when trying to call her back her voicemail is full so I have no way to reach her. 

Again, I expect this credit back to me IMMEDIATELY, as I don't know what is going on with Wells Fargo, but the financial transactions are ridiculous. 

I expect acknowledgement of this email promptly, as I also filed a dispute and have not heard anymore regarding this particular transaction.

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 2021-07-06
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

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 2023-06-15
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX XXXX, 2023, an account representative from Resurgence Legal Group , PC, sent me an email with court documents that were for another customer of theirs. When I inquired about this email and document I was told to disregard and delete said email. Personal information regarding this other persons debt was released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: MD
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX XXXX XXXX of them and there are closed if they closed da acct they can't report late payments cause da acct is all ready close

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 2023-09-20
Company: Dave Operating, LLC
State: WV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, someone unlawfully gained access to my account with this company ( Dave ) and withdrew XXXX separate {$500.00} cash advances and placed them onto a XXXX debit card that was not mine, and that I did not have access to. This company ( Dave ) then recouped the cash advance funds from my XXXX checking account, even though they were contacted and made aware that the charges were fraudulent. The only action that Dave has taken was to immediately close my account, which they now claim prevents them from refunding the money that was fraudulently taken. 

I have had XXXX separate fraud claims open against them with my bank, XXXX XXXX XXXX, which were unsuccessful. The representatives at XXXX claim that when contacting this company ( Dave ) theyve been informed that there were no fraudulent charges, and therefore causing XXXX to conclude that the money taken from my account was authorized by myself, which is absolutely not the truth. 

I have been successful in contacting this company and spoken with a representative, named XXXX, and his supervisor, named XXXX. After speaking with both of these company representatives, they concluded that my account was indeed compromised, fraudulent cash advances were made and placed onto a XXXX debit card that was not mine nor in my possession, and that the account needed closing for security purposes due to the compromise. Unfortunately due to the account already being closed on XX/XX/XXXX when the initial fraud occurred, they stated that it wasnt possible for them to issue me a credit, and that my best solution would be to contact my primary bank ( XXXX ) and have them reopen the fraud investigation and contact them. I have done so unsuccessfully. 

There are notes on my closed Dave account now verifying that all of this information is accurate and that XXXX individual charges of {$500.00} each were indeed unauthorized. 

Ive made multiple attempts since the initial contact with this company ( Dave ) to recover the funds that were stolen from my account, and Dave has refused to cooperate, stating that since they closed my compromised account they were unable to refund the money that was stolen from me. Theyve advised multiple times to contact my bank for a refund, but upon doing so, Ive been told by my bank that I needed to recover my stolen funds from Dave. To this day, I am still missing more than {$1500.00} that I have been unable to recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2023-11-06
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 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 2023-11-06
Company: CITIBANK, N.A.
State: NY
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:
Victim of identity theft

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 2023-11-06
Company: Experian Information Solutions Inc.
State: VA
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 2021-04-30
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYST is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: ACIMA CREDIT, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened in XXXX of XXXX  and it was certainly not opened by me. I just discovered the information on my credit report and I called XXXX and ACIMA DIGITAL XXXX XXXX XXXX about it. I was told that I needed to file this report with the FTC before any action can be taken. So please assist in keeping this fraud from impacting my credit further. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Direct Cash LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I provided Direct Cash LLC on XXXX XXXX the Notice oXXXX XXXX XXXX Bankruptcy notice regarding my Direct Cash LLC Loan account number XXXX for the Loan amount of {$710.00} from the XXXXr XXXX notice of Bankruptcy notice and legal Representation letter and asked them to provived notice of Loan document letter regarding the Loan Debt to sumit to my XXXX  XXXX Bankruptcy attorneys at the XXXX Law Firm and they is failing to provide notice of the collection debt account from the pdf attachment below and has it listed and Debt collection amount instead of in XXXX  XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid 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 made a purchase from Mattress Firm, XXXX for the amount of XXXX. I was offered financing with My Synchrony, I accepted. I was not satisfied with mattress purchased I upgraded the purchase XX/XX/XXXX, making the total amount of the charge XXXX credit amount of XXXX for the mattress returned and amount financed XXXX. This transaction was processed XX/XX/XXXX. I made payment on this account until noticed in XXXX  I had an amount of XXXX added, I reported the charge as fraud. It was not a fraud charge, but a duplicate charge. My account was closed, I was issued another card and account #. I immediately filed a dispute, and a 2nd dispute I have had no results. I have notified Mattress Firm of the duplicate charge I have had no results. 
My balance isXXXX on a purchase of XXXX, I have made payments of 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 monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
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 2023-09-20
Company: Chime Financial Inc
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2023 I received an email that information had changed in my account when I attempted change my password it would not allow me. I reached out to the company to let them know that there was some fraudulent activity going on with my account. And I verified all of my information except the address that was changed. They were unwilling to help. I'm afraid that my personal information has now been distributed. Due to their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, 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:
My disputes may have been overlooked in these past months. I have been trying to remove unknown and unverified accounts from my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 2 late payments for Comenity Bank. 
I have explained my family-death situation however, they couldn't help me. 
I was unable to purchase a home. 
I really need help removing 2 late payments.

Company response to consumer: Closed with explanation