BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The company, Comenity, has my credit card account which I thought had been closed by XXXX. They never informed me the account was active and they never sent me a new card. I only found out by checking my credit report and seeing the account was active. I tried to log in with my old account number and was denied access. I called the company and requested a new card so I could access my account. Then I found out it was through a different bank and there was a late fee of {$26.00}, no big deal. This was on XX/XX/XXXX. I explained to them the situation, they waived the fee and sent me a card. Great. 
When I recieved the card on XX/XX/XXXX I activated it, logged into my account and saw another late fee on XX/XX/XXXX. I paid the balance, not really caring about the fee, but wanting to make sure I didnt get a late payment on my credit report. I did. Not only did I recieve a fee for {$31.00}, I recieve another XXXX  days later for {$26.00} dollars and a hit on my credit report for a late payment. 
This happened before I even recieved the card and had access to make a payment. On top of that, they took my {$12000.00} credit limit and lowered it to {$750.00}! This is a sketchy company, they are not responsive and I think they are out to XXXX peoples credit. My score just dropped XXXX points because of this comany and I'm expecting it to drop even more by lowering my credit limit. I would like this late payment off my report. It is THEIR fault, not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: CCS Financial Services, 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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
Bankruptcy XXXX XXXXXXXX Reference XXXX PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.

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 2022-12-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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 used XXXX loan number XXXX for a purchase made in XXXX of 2021. I never signed up for a credit card via XXXX. This is affecting my credit and the process of me purchasing a house. I am not in agreement of the decision made. Please contact XXXX. If this issue is not resolved I will be contacting the XXXX XXXX XXXX and reporting XXXX. I have never had an issue with XXXX until now and I dont believe I should be held responsible for items already payed for using XXXX as well as being responsible for a card I did not authorize.

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 2022-02-16
Company: EQUIFAX, INC.
State: WV
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:
There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status. 

Letter of intent mailed XX/XX/2022 if report is not corrected complaint will be filed under section 609

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 someone went into my account via an atm. Bank of America did not issue any credit for this and has refused to help. This money was provided to me from the edd due to the pandemic emergency we had experienced in California. I have done all that was required, I contacted edd and provided proof of my identity and then I filed a police report. Both XXXX police and edd have said they are not the agency that will handle this matter and it would be up to Bank of America to handle this matter. For a period of 1 month I was on the phone 3 times. In the morning, afternoon and finally just before they closed to reach a representative but my efforts were unheard. Everyday I contacted Bank of America and would wait for 3 hours on hold and then my call was dropped. I did not remove those {$660.00} from my account and I need that money to support my family during these times. Bank of America should be held responsible for not doing their job in protecting my private information. I have tried to open and reopen the claim but they refuse to help and do not want to take responsibility for this.

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 2023-02-21
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Firstmark Services has blocked my phone number and will not respond to my emails after asking for a settlement. I called them 32 times where they hung up on me every time. I found out today that they blocked both my e-mail address and phone number. I have no way of getting in contact with them and don't know how to proceed with the settlement offer or even how to pay them. I would like to be able to call them to talk about my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. 

You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report.

Pursuant to 15USC 1692J you broke the law by furnishing a deceptive form to make me, as a consumer, believe I owe a debt and by even stating I owe a debt 15USC 1692B ( 2 ). Only I as a consumer can say whether a debt belongs to me or not. No other third party or entity.

Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies. 

Pursuant to 15USC 1692G Validation of Debt, you have failed to properly validate that this debt belongs to me.

These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: BHFC Financial Services INC
State: NV
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 obtained a copy of My credit report through XXXX. Unbeknownst to me there were Unauthorized Accounts on my report that I did Not sign for. I am a victim of identity theft already reported to the FTC. My identity information was used to get state Identification, cars, phone, internet etc. I have been able to remove mostly everything accept the lease and or auto loan with BHFC that I did Not Authorize. I need this removed immediately, according to the FCRA all credit bureaus duty are to report 100 % accurate and honest reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I fell behind on payments due to COVID and Wells Fargo people keep calling me several times a day trying to make extra payments. I have made a payment every month, but have not yet been able to catch up. I am 2 months behind. These people keep harassing me days after I have made a payment and making threats. Even when I try to explain my situation they get mad and hang up on me.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. experian and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from XXXX XXXX stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract

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 2023-01-17
Company: WELLS FARGO & COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022, my XXXX  XXXX XXXX and I bought furniture at XXXX XXXX in XXXX XXXXXXXX, XXXX Their financing - XXXX free of interest was through Wells Fargo XXXX 
We signed up to receive online statements and also received cards from the bank. Didn't think about anything wrong, as our first statement ( Attached ) indicated the terms and conditions for which we were purchasing furniture. Interest FREE for XXXX. Well, I trusted the system, only to find out that we have been charged interests since XX/XX/2022 and because statements were sent online, I didn't notice until now. 
I called them yesterday and was given a Claim # XXXX. I submitted extra documents today but I feel strongly to submit this claim so people are aware of my situation with tis notorious bank robber - Wells Fargo. Always misleading customers and abusing their financial power.

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 2022-03-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I experienced a theft by an account holder named XXXX XXXX a fake real estate investor at Wells Fargo Bank has only return {$400.00} of the {$3400.00} that was fraudulently wired out of my account my a scamming landlord, a report has been filed with police. Ive sent transaction records from my XXXX XXXX  account. I need these funds recovered immediately and Wells Fargo still will not restore all funds.

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 2023-10-13
Company: EQUIFAX, INC.
State: OH
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

Account name : XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2022-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
for XXXX  to infomed me of the remarks on my XXXX  file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
for XXXX  to infomed me of the remarks on my XXXX  file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i refinanced my house with XXXX XXXX. since then XXXX XXXX  transferred my loan to PHH Mortgage. Since the loan has been transferred i have paid the loan online via their website for the first 2 months ( 60 days ) went to pay on XXXX and i was locked out of the online payment section. website stated i need to contact a customer service rep. i did this and a " Note Amendment '' was required to sign from myself in order to continue to pay online. On XXXX i finally get the " Note Amendment '' and now there is a {$19.00} charger per payment to use their website to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NV
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:
According to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

XXXXDate opened has different dates -last reported has different dates - date of last activity has different dates - date of last payment has different dates

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Credit reporting company is not taking the 30 days for there investigation. I am being told the investigation is updated and verified without contacting the company. There are alerts placed on my credit profile letting the Credit reporting company aware old account is written off and should be remove, because the account was sold to a collection companies which they did not give a copy of the purchase agreement. There was a employer reporting on my file XXXX XXXX was asked to be remove and I was told it was verified when the company was not asked about them being listed. There more accounts on all three of profile being reported. Please I need your help in remove this account that I have be disputing

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 2019-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a physical check to Citibank for {$1200.00} to pay my balance in full. They misapplied the payment to another customers account, cleared the check via ACH from my checking account on XX/XX/XXXX. I contacted them to file a claim and they filed a claim. I was supposed to submit the copy of my statement to 'prove ' they have my funds, they put a provisional credit on my account and I have been trying to get ahold of any claims department to get the address, fax or email address of where I can send this proof they require to get my funds, fees and credit reporting corrected. I've tried calling and I get put on a silent hold for over 10 minutes and no one will send me to the correct area to discuss! Citibank gave me a customer satisfaction fee reversal, as a courtesy, when I filed the claim. I need to know they are correcting my profile to clarify all fees, interested and credit reporting was due to their bank error, not my error. Please assist me in getting my credit card corrected due to their incorrect payment processing error. A simple search of their account database would have found my account, if they bothered to confirm where they were placing the credit.

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 2015-07-17
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. 

I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief