BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Complaint : Comenity Bank has been incorrectly charging {$2.00} interest payments on months my card was paid in full and not used at all. They failed to notify me of my outstanding balance, charged me several late fees on that {$2.00}, and have unfairly damaged my credit score. 


History : XX/XX/XXXX -- I made a purchase for {$92.00} on my Express store card with Comenity Bank. 
XX/XX/XXXX -- I received the statement for my purchase, but misplaced and failed to pay this bill. 
XX/XX/XXXX -- I forgot to make a payment by the due date, and got a legitimate late fee. New statement balance of XXXX. 
XX/XX/XXXX -- I made a payment for my full statement balance of {$120.00} XX/XX/XXXX -- Despite paying off the account in full, I was INCORRECTLY CHARGED an additional {$2.00} of minimum interest. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -- Having not used the card at any point in this period, I was unaware of the incorrect {$2.00} fee. I was then charged {$8.00}, {$16.00}, and {$32.00} late fees, for a total bill of {$62.00}. I WAS NOT NOTIFIED by Comenity at any point of my outstanding balance or the late fees being applied, either by phone or email. 
XX/XX/XXXX -- I discovered a derogatory mark on my credit score, and traced it back to my Express store card and the surprise charges. I scheduled the payment for the full {$62.00} balance. 
XX/XX/XXXX -- On my next statement, Comenity applied another INCORRECT {$2.00} " minimum interest fee ''. 
XX/XX/XXXX -- I called to speak with a representative on the phone. The automated phone system tried to close my account before speaking with any actual human, with the {$2.00} still unpaid ( which, judging by other CFPB complaints would have led to even more late fees! ) Upon speaking with a representative, she failed to understand any of my complaints, ignored my concerns about my credit score, and claimed to reverse the {$2.00} charge. On my account on the card website, it now shows me owing another {$2.00} charge instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have reached out to American Express multiple times, with no answers and no regards to the status of my account. I have never had a 30 day late payment with American Express. I had fallen behind in XXXX of XXXX and XX/XX/XXXX, but never 30 days past due. On XX/XX/XXXX I spoke with XXXX, who stated i should make a payment immediately to avoid receiving a 30 day late mark, since my account has never been delinquent. I complied, paid the requested amount, and agreed to pay the remaining amount by XX/XX/XXXX. On XX/XX/XXXX, I attempted to make a payment to American Express but was unable to do so as my account had been closed. I tried multiple times to contact them but was unable to get through after entering my account number. I finally found a number to call directly, and spoke with 3 different team members. None of which could explain what happened. I had a debt collection agency contact me shortly after, in which I mailed a letter questioning the validity of them taking possession over the account. I did not hear back from that company again. American Express continues to send me statements, but does not let me make payments. I now have another debt collection agency, who has just taken over the account, contacting me. They arent concerned with my questioning of the way American Express handled my account, but I am now conflicted with having an account in collections, appearing to be delinquent, when I dont feel like it should be there in the first place. I am truly at a loss on how this should be handled. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX XXXX TRANSUNION WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance with the following items : XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX DEPT OF EDUCATION {$1200.00} XX/XX/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 2021-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/XXXX2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation. Now as of today ( XX/XX/XXXX21 ) I have received notification from Experian that I am a third party and they can not process my complaint. No one else is listed on credit report and I confirmed that all information was accurate.

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 2021-03-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this company have pull up my credit report hard pull without me knowing on XX/XX/2021 i asking them to clear my credit report by sending a deletion letter to all 3 credit reports because i never request anything related to them if someone did it it is not me that fraud i call them on the phone they refuse to delete it saying they can not do because there are not sure i am the real me i call them four time they told me that i have to contact experian but experian asking me to call them i have enough LAST TIME THEY RESPOND AND SAID THAT IT IS NOT THEM THIS THEY ADRESS AND PHONE NUMBER AS IT IS ON MY REPORT Contact info XXXX XXXXXXXX XXXX XXXX XXXX  NY 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 2022-05-13
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 at XXXX XXXX  I was contacted by Sequiem Asset Management saying my wife XXXX XXXX owed a XXXX XXXX bill for XXXX. They called me on my cellphone number XXXX. I explained to them that we have never had a XXXX XXXX  account. They were obviously trying to extort money from us. When I asked where the bill came from the account number or any other information they said they had to verify my address to give out any information. I gave them my address and they said it was not the address and would not discuss it with me. I am a XXXX  citizen and I'm really worried because I gave them my address. So I then asked if they would talk to my Wife and give Her the information on the bill they said they would so i put her on the phone. once again they asked for the address again and once more said that the address didn't match up so they could not give any information about the bill except it was someone on my street with the same name as my wife because it is a common name. They said we owed the bill. I hung up and called XXXX XXXX  they said there was no one with my wife 's name that owed any money. When I called sequiem asset management back and confronted them with what XXXX XXXX said that person said it was probably someone in the united states with the same name as hers as that was the most common name in the united states. Each time I called XXXX there was a voice recording saying there is an attempt to collect XXXX. I want them to provide me account numbers street addresses and an actual bill that they were calling me about. I Truley believe they were trying it extort money from a XXXX citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: GA
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 XXXX, XXXX XXXX XXXX, Account # : 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 an account without my written instructions.

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 2019-08-23
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good morning, To whom it may concern, I have been paying my debts/obligations for a year now. My goal is to purchase a home, being a first time buyer. I went thru classes /and credit counseling to prepare for it. My credit score has increased, but by few points and it had decreased a few times because of the collection agencies. 
The creditor is XXXX. XXXX was paid in XX/XX/2019.But to this day 3 collection agencies are threatening me and sending me correspondence to pay up, and calling me. I called and XXXX to confirm in XXXX, XXXX, XXXX, XXXX, XXXX that i dont owe nothing, and the have. 
XXXX XXXX ( XXXX ) XXXX XXXX, FL. ) - stating that i owed XXXX and that i owed $ 360- $ 500..I argiued with them that i did not.I called XXXX tthey told me to look in my account history and print it. I did and sent it to XXXX  and to XXXX. Still XXXX has it on my account and now a new Collection agency .. CREDIT COLLECTION SERVICE  ( XXXX ) XXXX-IN in XXXX MA ) Has that i owe XXXX ... .i argued with them, they have me opened a XXXX account in XX/XX/2019 owing XXXX! They called me, threatened to take legal action and trying to collect the amount. ( XXXX ) now my credit score has gone down.i have paid my bills on time as agreed, cleared up my obligations, disputed errors .When score goes up, these collection agencies hit my credit report and it goes down.how can i stop them from hitting my report, and get back my points! this is unfair, deceptive and abusive practices. Im not giving these people a dime, and i fear the will go into my account. They tell me that XXXX AUTHORIZED the collection! XXXX say they did not! I HAVEN'T OWED XXXX SINCE XX/XX/2019 ... .I NEED HELP!!!! I WANT MY OVER 20 POINTS BACK THAT I WORKED HARD TO IMPROVE WITH FINANCIAL HARDSHIP!!!!!!!!! NOW I HAVE TO EXPLAIN THIS TO UNDERWRITTERS THAT IM NOT LATE PAYING THIS BILL THAT I DONT OWE.MY SCORE WAS IN 600 'S NOW ITS 580 'S!!!!!!!! THIS IS IS UNFAIR! BUT I HAVE TO WAIT TIL SCORE GO BACK IN 600 'S ... .BUT HOW???? i HAVE ADDRESSED MY CONCERNS, MULTPLE TIMES WITH XXXX, CREDIT BUREAU, AND COLLECTION AGENCIES.XXXX   BLAMING COLLECTIONS AGENCIES AND CREDIT BUREAUS PLEASE RESPOND IN KIND XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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:
This is related to your announcement last week with Bank of America. I had a fake account opened which was discovered during my California divorce from XXXX to XXXX. 
During the divorce this unknown card and account by me went off to receivership with a company called XXXX. My divorce was a painful one in which my health suffered a great deal. After the press release last week on the BoA harming consumers -- > I am one of them! 

I have read many articles and it appears that the restitution process will be posted on your website? Is that correct?

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX  Balance : {$16000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.

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 2020-06-09
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I posted a housing ad on XXXX on XX/XX/XXXX. The same day, someone named " XXXX XXXX XXXX '' messaged me and told me that her friend was looking for a place and she gave me her email.. '' XXXX ''. I emailed her and she sent me a check via email, told me to print it out and deposit it. The check came from " XXXX XXXX XXXX XXXX '' for {$2700.00}, which was more than I needed. She said her company paid for her rent, and she was on a contract. She asked me to send the money back to the mover, who would bring her luggage and car. After I sent her this, the next day, she told me that her grandma died and that her mom was in critical condition, so she needed to borrow {$1500.00} which she would pay back through her company. Another check was emailed to me from " XXXX XXXX '' with the same company name, for {$1500.00}. Both checks initially went through and the funds were visible in my account. I sent her {$1500.00} back per her request. Then, she told me that she needed all the money back. That's when I realized the checks were fake. After a few days, the bank rejected the checks and charged me a fee, even though I had explained the situation to them immediately. I contacted Cashapp and XXXX. Cashapp was impossible to get a hold of, and XXXX opened a case. I sent her {$500.00} on XXXX, and {$2200.00} on Cashapp, in seprate payments ( {$500.00}, {$750.00}, and {$1000.00} ).  Please contact me for more information!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX Account # XXXX 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

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 2022-03-09
Company: Experian Information Solutions 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 BANK ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Need this debt taken off

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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