BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On Friday, XX/XX/XXXX XXXX XXXX ( ET ) I contacted XXXX XXXX   about a XXXX Credit Card issue on my account pertaining to interest charges below : As of XX/XX/XXXX I owed {$700.00}. 

Then they charged me four interest fees : XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$1.00} XX/XX/XXXX = {$760.00} Total interest charges were $ {$1400.00}?? 

There is NO way this is correct, can you please get this corrected? 

Message I received from them : " From : Comenity Bank Sent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Annual Percentage Rate Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up or further questions you have related to this concern, that you submit them by logging into your account and utilize the " Contact Us '' link. 

Sincerely, XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-01-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/2022, my company had several bank checks stolen from the US Postal Service. Three of those checks were cashed by someone at a XXXX XXXX XXXX somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement at all. I have notified my bank, Bank of the West ( BOW ), and asked to have the funds replaced to my account. I have submitted the necessary claim forms and supporting documents. To this point, BOW has refused to replace the funds in my account. 

Obviously, XXXX XXXX is at fault for cashing the checks without proper identification or verification, but that is a transaction between XXXX XXXX and BOW. BOW has to seek restitution from XXXX XXXX. I have been working with BOW, to get reimbursed, but apparently they are waiting for XXXX XXXX to reimburse them. As a customer of BOW, I have a contract with the bank that allows for reimbursement since BOW honored the checks that were not properly payable. It is up to BOW to go after XXXX XXXX separately. 

I have submitted all the evidence and requested documents to BOW several months ago. My bank forwarded all the documents to XXXX XXXX accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2018-09-17
Company: Paramount Recovery Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is reporting a fraudulent collection on my report. I had XXXX umber my husband while he was in he XXXX. XXXX has already paid the bill, but this company sent It off to collections. They have sent me a letter stating the balance is already paid, and still have not removed It. Under the fair credit reporting act this is illegal and must be removed immediately. I have already submitted disputes multiple times with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello there. 
I am XXXX XXXX. 
I called my bank on XX/XX/XXXX to request a payment deferral. I got a call back from Ally on XX/XX/XXXX saying that I was approved for payment deferral. I proceeded with the payment on XX/XX/XXXX. When I was speaking on the phone, I was told XXXX different amounts that I need to pay to accept this. Okay, the last time I called I was told that I need to pay {$480.00} and the remaining needs to be paid by XXXX. 
Now the bank is saying that I'm late on a payment and need to pay for XXXX months, which is over {$3.00} Ally bank. 
Account XXXX XXXX XXXX XXXXXXXX

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 2017-05-03
Company: Executive Financial Consultants, Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting harassing phone calls and letter from  Executive  financial About a bill I had no clue about. I do n't go to  XXXX  usually and the time I did I had insurance. I spoke with a representative at Executive financial and explained to her that during the period this bill was generated I had insurance. She said that part of the bill was paid with insurance and the other part was n't and it was to late. I have   XXXX   XXXX   through the state. I was under the impression that all my medical bills was being paid. The representative said that after a year they can no longer send them back to the insurance company. This mistake on  XXXX  medical center has cause me so much grief, stress and heartache. I almost lost my house because I could n't get a loan because this debt is reportiong to my credit. Somebody over at   XXXX   medical center dropped the call and my bill was n't submitted in time to get paid within a year. I have spoke with several ppl in the office and I do n't get any resolution. I want this debt removed from my credit report. I went to the doctor and gave them my insurance information and they did n't submit it to  XXXX . Then almost 2 years later they RUIN my credit. I even called the company and asked for a fair payment arrangement and to have it removed until I pay it considering I NEVER KNEW ANYTHING about the bill not being paid. I thought my question for assistance was fair. I was n't treated fairly. I was n't treated like a consumer that lives in the same society as the collection company. I really would need to have this derogatory incorrect information off my name and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I applied for a XXXX XXXX credit card on XX/XX/XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see XXXX hard inquiries one on the XXXX and one on the XXXX. I sent a letter to XXXX XXXXXXXX to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX was told to send current success BMI direct deposits to the Bank of America and they refused to give me an account of my earnings over the phone. 
This is new money they just told me transfer and stole anyway. My Goodness I want that United States XXXX XXXX to take off the XXXX and re-deliver my XXXX settlement to XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX ( Talk Directly, please leave no message )

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 2023-06-15
Company: EQUIFAX, INC.
State: NJ
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:
Fraudulent account reported to my credit report. XXXX XXXX  balance {$5000.00}, XXXX XXXX {$570.00}, XXXX XXXX- {$4700.00}, XXXX XXXX {$600.00}, XXXX XXXX XXXX {$580.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Navy Federal restricted my bank account in XX/XX/XXXX. My auto loan was set up for automatic bill payments and its absolutely no reason my auto loan should be in a delinquent status. This restriction prevented me from registering the vehicle and listing Navy Federal as lien holder. We purchased the vehicle from my step son who is also a member at Navy Federal credit union. We have the title just dont have the funds to hey it titled, registered and add lien holder. Due to the restriction of no fault of our own it caused the auto loans interest to increase over 100 % causing more financial distress because our bank account is restricted. We have no access to online services or access to make any changes to the bank account. The monthly payment has increased and my credit has been ruin. If XXXX is the reason for the restriction and the money has always been there why do I suffer financially for their negligence in their fiduciary duties? My credit score was over 700 and its now in the low 400s all in 7 months. What took years to build positive creative has been damage to the point of no repair. This isnt legal nor ethical and I expect CFPB to actually dive in and protect me from the predatory lender. The bank account was restricted for no legal reason and all funds were verified on XXXX different occasions. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX via their wire departments service messages. XXXX XXXX verified funds and the beneficiary and the reason for the wire and they still refuse to remove restriction. This negligence caused them to pay their own selves late since the money has always been present and we have absolutely no access to the account to make any changes or updates. They have tried to stall and make excuses for their behavior but fortunately for me I have all XXXX pages of the service messages between Navy Federal and XXXX bank. Please get them to bring my loan to a current status and update my credit report information both with all credit bureaus and internally within XXXX XXXX. XXXX XXXX has failed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm Inc added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with XXXX Affirm Inc ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( XXXX ) ( XXXX ) - Permissible purpose, of consumer reports. ( XXXX  ) in general Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( XXXX ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: WI
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 reach out to the company my self they said they was going to look into it then I call all 3 credit bureau about what was goin on I took them I was under 3 data breachs one with XXXX in XXXX in Equifax they never onces reached out to me in told me anything about my information being stolen how I found out was I kept getting bills and notifications saying that I inquired about a credit card, which I never did and then Id use XXXX to do a Social Security number and the name scan of to see have my information been leaked in it have it say my information is on the dark web that is terrifying and this company steady saying that theyre not saying nothing really now my life is like Im walking on eggshells that is preposterous. These people is getting paid was getting paid for me to basically just leak my information without saying anything to me that is wrong, that is very wrong. That is against my rights. I have been under three data bridges that I knew nothing about. I just want legal action done and I want to be compensated for all the days I had off work and all the money I have spent trying to get my life back and Im gon na go to the farthest extent to see whoever stole my information and these companies that had my information and let it get leaked and then reach out to me. I want something to be done now thank you consumer law federal law, for the consumers is the rep protected. We didnt ask for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: CA
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:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: PA
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:
Upon checking my credit reports, I've discovered several fraudulent hard inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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