BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2023-02-25
Company: Bread Financial Holdings, Inc.
State: VA
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 have had a chronic problem with Comenity Bank and the untimely application of payments. On this occasion, my issuing bank confirmed that this month 's payment was issued on XX/XX/2023 for delivery by XX/XX/2023. The payment has never been applied and Comenity alleges they never received the payment even though I have several bank records proving otherwise. Relevant excerpts are attached. I am being asked to issue a stop payment for a fee of {$35.00}, which is unreasonable, as the error is with Comenity. In order to preserve my on-time payment record, I issued another payment, this time through Comenity 's on-line payment portal and that was properly applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XX/XX/XXXX DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XX/XX/XXXXXXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX, XXXX, XXXXXX/XX/XXXXXXXX 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 2023-05-03
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I want too dispute this off my credit because I already spoke with the company about the situation and they told me too write a dispute letter too them about the situation and I did just that and never heard from them again and now Im just getting a letter about what I owe which is something I never did, so I want to dispute this off my credit because they never reached back out too me about this situation anymore and it has been a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft due to Equifax XXXX breach which negatively impacted my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXXXXXX XXXX XXXX XXXX claimed that their equipment was not returned. After providing proof that the equipment WAS returned and signed for, XXXX acknowledged their error then issued a refund to my bank. The following month, incredulously, they decided to rebill my account. The charge was disputed, investigated by XXXX XXXX XXXX XXXX, who found in my favor. Since then, the supposed " debt '' has been passed on to different collectors, and I am constantly having to provide proof that this is not a viable debt.

The latest collection agency to handle this non-debt, has been Resurgent, and although I have sent them proof that this is NOT a viable debt, they continue to refuse to acknowledge the truth or remove the debt from their books. Instead, they continue to send a form letter telling me of their intention to collect the unpaid amount. Calls to their XXXX number are ineffective as they claim a previous cease and desist order prevents them from discussing the case. 

They have also refused to establish the validly of the debt, instead, they have provided me with the date and amount of the supposed debt, but have not made any attempt to actually verify the debt with XXXX, or investigate or acknowledge the undisputed evidence that they have received clearly indicating that there is not a valid debt. 

Despite the acceptance of a stop and desist order, the refusal by Resurgent to remove the bogus debt from their books, leaves this issue unresolved with possible consequences to my credit rating.

I need to have this issue resolved once and for all to prevent future possible damage to my economic standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  refused to bill medical insurance for a XXXX  XXXX  exam. 
Claim was sent to medical insurance by the patient to two insurance companies. 
Insurance paid the XXXX place directly for the diabetic eye exam. 
XXXX  place kept billing after receiving payment from insurance. 
XXXX  place put the bill in collection with XXXX  collection agency. 
Phone calls were made to the XXXX place about the billings. 
Patient was told that this was an insurance problem and to call the insurance company. 
Primary insurance paid, then the secondary insurance paid the XXXX place directly. 
The billing continued for months which turned into a collection and credit reporting. 
Patient was told to pay the collection agency. 
XXXX  collections failed to address problem and continued with credit reporting. 
XXXX  place did not update payment records from patient for account in collections. 
XXXX place is now closed in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, 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:
It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/ Called Freedom Mortgage to modify my recurring payment, and Friday XX/XX/ they took you the scheduled payment of {$410.00}, but also took out {$430.00}. I called then that day and told them that I did not authorize the {$430.00}, they informed me that they made the mistake and that I wanted that amount refunded back to me. XXXX XXXX XXXX  did a three-way conference call with Freedom Mortgage and my bank XXXX XXXX XXXX  , Freedom wanted to see If both amounts were posted and they were, so I told them the {$430.00} was the amount I wanted refunded back. The agent at Freedom said that they would take care of it said it would be 3 to 4 business days before I see it back into my checking account. Talked to them XX/XX/XXXX to get the status of my refund, all they told me that I should see it in my account the next day, I was not in my account, I called Freedom Mortgage and asked for a manager, The manager informed me that the agent that I talked to XXXX XXXX, did not turn in my request to get my refund back. The manager named XXXX said that he will expedite my payment on XX/XX/XXXX, and that I should see it by Monday, I called them XX/XX/XXXX that morning and the agent had an attitude towards me when I asked the status of my refund, they told me at the end of the business day of XX/XX/XXXX. Thats the latest update, I feel that they are stalling and do not want to give me my money back they took from 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 2019-09-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
This bank treats me horibke I lost my job and they want {$500.00} when I call they say I qualify for a payment program for 5 years but then when they enroll me they say their system wont allow them I cancelled I told them the credit counseling and they say they dont see this is ridiculous

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 2023-08-21
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: 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 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 explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: IN
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 explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, at XXXX, XXXX XXXX received a call from supervisor asking if the bank account numbers were changed and to review emails. Supervisor sent administration manager a copy of an email presumably sent by admin to financial team abroad, the transfer forms sent to XXXX for XXXX funding requests, and a copy of Chat between financial team regarding account number changes that occurred prior to transfer of funds to fraudulent account. After reviewing exhibits,, XXXX XXXX confirmed no bank account numbers were changed and the email correspondence was not sent by admin. Declaration of Incident was announced, and the coordinator notified the incident management team for a pre-assessment, identifying the affected services for response activation. Cases were filed online the evening of XX/XX/2022 with Bank of America and XXXX XXXX Police Department. Saturday morning, XX/XX/2022, XXXX XXXX went to an open branch with case documents and fraudulent account information and manager of branch froze fraudulent accounts established and funds. Bank of America is refusing to return funds in amount of over {$1.00} XXXX dollars for both XXXX entities.

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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last month, I received a strange letter ( attached ), I believe from Bank of America, and a hard inquiry on my XXXX credit report. I did not apply for credit of any kind. 

The credit report lists the following information : BK OF AMER Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX I initiated a message to Bank of America 's fraud department but received no reply. Today, I disputed the inquiry with XXXX. They asked me to report this to the FTC and that the agency passes along information about this 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 explanation
Consumer complaint received 2023-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a credit account from Bank of America for six years. Because I live oversea, so I didnt used the card, then Bank of America closed my card without inform me. I have a lot reward in the card. And this is my first credit card, it hurt my credit scores.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to XXXX. 

XXXX XXXX  did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely 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 2019-07-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my 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 non-monetary relief
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
I was recently charged late payment fees and interest for my account statement due in XXXX. 

I used to pay my Bank of America credit card using the eBill facility provided by XXXX. Unfortunately the way this was structured, it caused me to pay my bill twice sometimes XXXX like the XX/XX/XXXX bill ). So I removed the eBill from checking account but kept using the the auto pay functionality using the BofA website. 

In XXXX, there was no balance due so no bill was sent to me in mail nor was any payment deducted. 

In XXXX, I had a bill of {$3.00} which was due on XX/XX/XXXX. For some reason, BofA did not send me any bill in mail nor deduct the balance from my checking account. On XX/XX/XXXX I discovered this and spoke to someone from the bank. I made payments for the entirety my outstanding balance but the representative couldn't say if they will be able to revert the charges. 

It is evident from the screenshot that I am attaching with this complaint that the website doesn't allow me to make payments on my account and still thinks that I am enrolled in auto pay. However, as evident by late fees applied by BofA, they actually don't deduct the payment nor send me mails or allow me to make payments online.

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