BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan has been sold three times since XXXX when we closed on the loan. Selene purchased it the second time, for one month, then sold it ; but Selene is still managing the account ( much to my dismay!! ). 
They have never credited my additional funds to the principle.They have never credited my payment on time... always credit it the last possible due date before it is late- even though they have my payment on or before the XXXX day of each month. I have no idea what they do with my additional principle payments I send each month. I have no idea why they wait to credit my payment. I have no idea why they never answer their phone. I have called them about 30 times in the past 3 months only to speak to a person once. He was very nice and promised me he would see that I got all the information I was requesting, and that everything had been credited as I expected it to be... All of which was a lie. I never have received anything from them except my monthly statement, which is auto generated every month and is incorrect. NONE of my additional principle funds have gone toward the principle. 
Why don't I get any say in who gets my loan? Selene is the worst mortgage company I have ever TRIED to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have a credit card with commenity bank, i do all my transactions online, they are requesting a 2nd payment for the month of XXXX, i paid XXXX already, 2nd they gave me a late payment fee of XXXX in XXXX when i paid the bill on time and on the due date indicated on my statement i want a refund, also they decreased my credit limit due to illegal assessment of my account. Also during covid19 i requested hardship program and since completed it and they will not remove my information that i completed program. ONe is my credit limit was reduced and i requested a credit limit increase and because they failed to remove me from program i was denied increase. Also they will not give me answers to my basic questions. i want a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26
Company: CL Holdings LLC
State: OH
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:
Jefferson Capital Systems ( hereafter JCS ) is reporting a {$5000.00} delinquent balance for XXXX cell phone service on each of the three credit bureaus. I disputed the veracity of this alleged debt to

the bureaus, whic h JCS verified. I subsequently contacted JCS via telephon e for additional information.
They claimed at that time not to own any accounts matching my name or SSN. Despite this, they are continuing to report this supposed debt to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/2023 I login to my XXXXXXXX XXXX XXXX app to use it. I see red dots next to my profile and I click it. It says bank error. Need to login with credentials again.i have my Chase bank account and my XXXX account linked to my XXXX account. So I click on the banks option. Chase has the red dot by it. I click on it. My balance in XXXX. So I try to login and do my credentials. I was allowed to login however none of my bank info was there or and banking options like usual. I give Chase a call they tell me that my account was closed in XXXX I believe due to inactivity. I mentioned the money and was transfered 3 times. The guy final man I spoke with gets in the phone and says I havr great news I don't see XXXX XXXX dollars but you only owe XXXX than harassed me on when I was going to pay it snd ignored anything I said or asked pertaining to the reason i called. I spend the next couple days over the weekend trying to transfer money and such over and find any email or letter notifying me of the closed account .nothing. however there was an email from mint saying check your acvount for a sum of money deposited to my account. So I get the mint app and creat my profile. It automatically has chase linked to in thru XXXX. Also showing the balance of even more. It was XXXX, XXXX. I believe. Plus shows the deposit of XXXX something and transactions following that deposit. Leaving a balance of XXXX some odd dollars. Please help. I know the money is there. All they can say is the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions 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:
The XXXX fraudulent XXXX XXXX accounts were opened between XXXX and XX/XX/2023 ( Im not sure the exact date as i didn't open them, im giving information based off my credit report ). 
Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether it's my credit report or something else, and my credit restored back to 750+/ back to normal, as they were opened fraudulently.

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 2023-07-10
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: Account information incorrect

Complaint:
Subject : Complaint Regarding Equifax 's Inaccurate Reporting of My Credit Information Names that not mine ( XXXX XXXX & XXXX XXXX ) I am writing to file a complaint against Equifax regarding the acceptance of a name on my credit report that does not belong to me. Despite repeated attempts to rectify this error, Equifax has failed to take appropriate action, leading to significant inaccuracies in my credit history. This erroneous information has adversely affected my financial standing, making it imperative for the Consumer Financial Protection Bureau to investigate this matter and ensure necessary corrections are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
There are FRAUDULENT items ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX  XXXX XXXX XX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report 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 2023-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: NY
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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX  and US Department of Education, yet they are not removing this fraudulent accounts. XXXXXXXX XXXX and US Department of Education have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The following is the fraudulent account : XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered, merchandise, took to long to receive it. Tried to cancel the bank saying the can't help me get the money 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 2023-11-25
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been dealing with issues with XXXX XXXX Comenity bank card for sometime now. There is always an issue, secretly charging and applying fees. Misleading information from different departments. Just recently an issue with the hardship department. I am asking for a thorough investigation to be done on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the Right to privacy 15 USC 1681, Section 6O4A. section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card 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 explanation
Consumer complaint received 2023-11-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, has violated my rights. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. 

In XX/XX/2019, XXXX XXXX responded to a complaint with the CFPB # XXXX, indicating that after investigation REMOVING Bankruptcy record # XXXX from my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received my federal tax refund on XX/XX/XXXX into my account hours later my account was placed on restriction for XXXX days and then I received the email requesting information to verify the deposit. I sent in all the information to verify all the deposits that they asked for after sending those documents in my account was closed on XX/XX/2023. I receive numerous emails afterwords asking for more documents and information to verify my address and that I am the recipient of the account for a closer check and I was also told that I have to wait up to 14 days for processing and XXXX calendar days to receive a check after that I receive multiple emails telling me that my deposit doesnt comply to the agreement and that I wasnt eligible for a refund and I received those emails over and over for the past month and a half now and everyone that I talk to tell me that they can not give me no information or detailed information about my account and to email their support team. I have emailed a support team and they told me that they also cant verify or give me any information about my account and to give the company a call. I gave the company a call and they told me to email so its a cycle that they keep running me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Aldous & Associates, PLLC
State: MD
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: Problem with personal statement of dispute

Complaint:
I received a collection originating from XXXX XXXX by way of Aldous & Associates for {$100.00}. I travelled to XXXX  to visit family and requested a 1 month membership which somehow became a rolling membership. When I left XXXX  after 2 weeks I received no correspondence alerting me that the membership was still running. Before leaving, I went to the gym ( in XXXX XXXX  that I was actually an employee at when the gym first opened years ago ) and requested to cancel my membership. To which I was told it would be processed by management the following day. Even knowing that I attempted to cancel my membership, I still paid the collection in hopes that I would have the blemish removed from my credit. As of today, it has been over one month since I paid the balance in full, but I still have this collection on my report that was caused by miscommunication. The blemish is to remain for 7 years & I even attempted to contact XXXX XXXX  directly so I could avoid this, but to this day, I have not yet found a number. At this point, Im requesting that XXXX reach out to their collection agency ( Aldous & Associates ) and terminate the debt or whatever needs to be said for them to remove it. XXXX  memberships should not be set up to mess peoples lives up financially for years and as a former employee, it feels downright predatory. This is my final ask for some sort of assistance from XXXX to remove this collection which has brought my credit down over XXXX points and caused cancellation of my credit cards due to a subprime score. At the very least, the gym should work with collection agencies that terminate the debt and delete following payment. My score has not recovered even after paying because the negative remark is still there. There is a law forcing reports to be accurate if reported but there is no law stating that they must report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: SC
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXX Balance : {$84000.00}

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 explanation