BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
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 with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent order placed on XXXX on XX/XX/2021 for {$74.00} and billed on my Alaska  Bank of America ( BOA ) VISA card on XX/XX/2021. I immediately disputed the charge with BOA. On XX/XX/2021 BOA denied the fraud claim stating " the merchant provided documentation confirming you received the merchandise or service '' but providing no documentation supporting their claim. On XXXX, XXXX, 2021 I requested BOA provide documentation of the merchant 's documentation which BOA refused to provide until XX/XX/2021 when I was provide nothing more than a XXXX tracking number as proof of receipt. XXXX tracking documentation shows that the alleged XXXX merchandize was shipped to and received by inside commercial delivery to someone other than me, and at a commercial address not associated with me. The merchandise was shipped to the address of major local hotel ( verified by XXXX documentation ) and shipped to and received by the hotel 's listed General Manager. 

Had BOA conducted even a cursory investigated using the UPS tracking number me they provided me after denying the fraud claim, they would have discovered that the merchandize was not shipped to me or received by me. There is no factual basis for BOA to deny the fraud claim or to support the BOA 's claim of receiving documentation confirming receipt of merchandise fraudulently purchased with my BOA credit card.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-23
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today on a recorded call with Experian, I informed them that XXXX XXXX  and XXXXXXXX XXXX  had placed a fraudulent debt on my credit report. I have repeatedly attempted to contact XXXX XXXX and XXXX XXXX to ask them to provide proof of this debt to no avail. XXXX and XXXX XXXX have also been providing this fraudulent debt. Ive spoken with a representative today from XXXX XXXX who stated that the information the have on their system is from Experian. Experian is providing fraudulent credit information to others. I do not owe XXXXXXXX XXXX  or XXXX XXXX  any money. I was informed, during my call with Experians customer service representative, XXXX, that a company called, XXXX XXXX also has placed a fraudulent debt on my credit report. Ive asked ExperianXXXX to remove all of this fraudulent information. She informed me that I am to provide a complaint with the FTC. When I went to the FTC ( Federal Trade Commission ) website, I was redirected to CFPB website to file the complaint. I want this fraudulent information removed immediately AND I want Experian to contact XXXX XXXX and authorize them to remove the fraudulent information they have placed in their system as well. The reference number for XXXX XXXX is Ref # XXXX. XXXX owns XXXX XXXX. I want this fraudulent information removed from XXXX too. Experian should not be allowed to put fraudulent information on anyones credit report without verifying that the debt is valid. They are ruining peoples lives and should be held accountable in a court of law. This is slanderous and libelous. Today XXXX from Experian also provided this information : XXXX XXXX XXXX Partial Acct number XXXX - {$18000.00} XXXX XXXX XXXX  Partial Acct number XXXX - {$20000.00} This is fraudulent and must be removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month. 

-- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX. 
-- XX/XX/XXXX, payment made of {$16.00}. Account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance. 
-- XX/XX/XXXX, charged {$2.00} late fee. 
-- XX/XX/XXXX, payment of {$2.00}. 
-- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee. 
-- XX/XX/XXXX, payment of {$8.00}, account paid off. 
-- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX. 
-- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date. 
Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full. 

The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX Received multiple letters for pre-approval from Capital One Quicksilver   Offered Balance Transfer options. I have multiple offers from multiple companies, but I selected this one and now I regret it. Here is why. 

Upon applying and being accepted within seconds, the balance transfer option was not available. 

I had to call customer service and they said it could take 10 days or longer. Nobody knows for sure, just estimates and guesses. Nobody knows why every other company offers it instantaneously capital one decided to delay it for weeks or months for all we know. None of this was included in the advertising as I would have never applied to their card over someone else 's card. 

This is " not '' to be confused with the line in the advertisement saying it will take 10 days to pay the creditor for a balance transfer. They are now saying I can't even apply for a balance transfer for at least 10 days, if not longer. Therefore, the payment will still take an additional 10 days AFTER that. This could be months in total. 

After explaining to XXXX, top level support specialist, that I feel conned and cornered into getting this card which I can't use ... .all she said was, " sorry. '' She outright refused to give me to her superiors while also claiming she has no authority to help me and has no answers for me. All she could do is say, " sorry '' and refuse to answer every question or every request to escalate this above her. 

Big business is untouchable apparently as she was not concerned in the least bit. 

I was conned into getting the capital one quicksilver card and now I'm cornered into keeping it out of fear my personal credit will be harmed. When I asked if my credit would be impacted if I canceled the card immediately, they said they have no idea. 

You advertise with misleading offers and then you corner us into keeping the card. 

So once again, they have conned me into getting their card and then making it exceptionally hard to cancel because they won't let me know how it will impact my credit. 

This is completely false/misleading advertising to do such a thing with someone's credit on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: WLCC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX, I was trying to obtain a payday loan or short term loan. 
I applied for one on line, and then I received a barrage of texts and emails from other lenders, which confused me. 
One company in particular represented that I had already applied and been approved for a loan, but I didn't think that I had actually applied at first. I must have, because they had my credit union account information. 
I looked at the terms and knew that it was a usary rate, so I went looked at reviews of on-line loan companies and ultilmately chose a different one. 
A few days later, {$800.00} was depostied into my checking account by Explore credit, which is the company that I desribed above as having represented that I had been approved for a load that I did not remember applying for. 
When automatic payments to pay off the {$800.00} dollars started coming out of my account, I firgured I should repay the money that they deposited into my account. 
I didn't notice at that time, but the company was taking automatic payments ever two weeks of {$210.00} for an XXXX dollar loan. I noticed two payments, and thought it was coming out monthly. 
In mid-XXXX  of this year, I started receiving texts from Explore Credit about a missed payment. I had been overdrawn, as I am separated and struggling to make ends meet at the moment. 
So I went onto their webiste, and created a login, and went to the portal to schedule a payment. 
The amount that it stated I currently owed was around {$1300.00}. I would state the exact amount, but it changed literally as I watched it, the amount jumped /changed to over {$4000.00}. I think approx {$4800.00}. I was certain this was just a mistake, but then I went into my credit union records, and they had been extracting {$210.00} every two weeks. The total amount that has been paid to date is {$1000.00}. 
I tried texting back one of the representatives that had been texting me, and they urged me to get on the phone to renegoaiate. So then I went to the XXXX XXXX XXXX website, and read many, many complaints against them. They have a rating of an F. 
So then I tried reaching out to the company ( Explore Credit ) on their website, the Contact Us feature. I tried to submit my complaint to them three times, each time I received an error and a message to try again later. 

I am certain that there is some degree of fraudulent activity, and the company does not seem to be in jurisdiction, as it appears to be XXXX XXXX XXXX owned. 

Is there anything I can do legally to settle this without repaying {$4800.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: IL
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a home loan mortgage with Wells Fargo mortgage. On XX/XX/XXXX, I was laid off from my job and I contacted Wells Fargo to tell them I would be late and the XX/XX/XXXX payment. 

Wells Fargo offered me a month-to-month deferral up to six months if I was still laid off. I paid one of the payments during the six months and started a new job on XX/XX/XXXX. 

Wells Fargo offered me a new restructured payment schedule for my Mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX1. They stated that my XX/XX/XXXX payment was OK I didnt have to pay Wells Fargo offered me a new restructured payment schedule for my mortgage stated that everything was OK and I did not have to make a payment until XX/XX/XXXX. They stated that there was no payment due on XX/XX/XXXX. 

At this point, I thought everything was taken care of. And XX/XX/XXXX, I noticed on my credit report that they submitted that I was five months in arrears on my mortgage payment. That is incorrect on XX/XX/XXXX, I was not in any arrears we made an agreement to refinance these payments. 

I contacted wellsfargo and they state that this is all my fault they reported every single month that I was behind in payments not just the one. If this is correct from them why was it not on my credit report? I was denied the right to fix this situation without it going more than one month in arrears. I couldve sold stuff I couldve gone into my 401 ( k ) I could have done something if I was alerted that my credit report was being negatively affected. I was denied this right to save my credit. 

They are blaming this on the credit reporting bureaus. They stated that during the six months the credit reporting bureaus regard this as a hardship deferral or something like that. If this is true why would a 5 month late report be entered AFTER this was all taken care of.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This creditor by the NAME OF XXXX  XXXX bank is STILL violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, I also received a letter in the mail FROM ANOTHER REPORTING COMPANY stating that they are representing XXXX XXXX bank USING THE SAME ACCOUNT AS THEM and the balance is {$240.00} and XXXX  XXXX bank is reporting that I own {$770.00}, i demand proof from XXXX XXXX bank that I owe that amounT OF {$770.00} I also demand a copy of the contract with my written consent In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX  XXXX BANK within 5 days as listed in the terms of the the consumer book! kind regards!

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 2015-04-14
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Interstate Collections continues to call me for a debt from a person who does not live here. They have been told multiple times to stop calling here, but they continue to harass us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2022 XX/XX/2022 please remove from 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 2022-11-22
Company: EQUIFAX, INC.
State: KY
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. 

Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXXXXXX, Acct # XXXX XXXX XXXX Acct XXXX XXXX, Acct # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions 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:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove the

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 2021-04-16
Company: Experian Information Solutions Inc.
State: GA
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:
The 3 credit reporting agencies has an increased balance ( over {$50000.00} ) on my credit report. My mortgage company has the correct balance. Its almost impossible to speak with anyone at these credit reporting agencies. They have erroneous information on my account. I would like them to remove the extra amount. They didnt get the information from the mortgage company. The credit scores for Experian is XXXX points lower than the other 2. This is not fair to consumers. I need help in removing the incorrect {$5000.00} from my credit report. 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 explanation