BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I had my payment set for XX/XX/XXXX. After somehow seeing the payment auto-deducted on the XXXX ( showed up on my bank account XXXX ) I was not happy but if they took the one time payment I wouldnt be pleased but no, that entire charge XXXX was 100 % fraudulant and unauthorized. 

On XX/XX/XXXX I logged in to make sure they didnt charge me again, and as stated above, they had. I do not and have never had auto-pay set up with them. The payment was not even due until XX/XX/XXXX. The payment was still pending but their exact words were there is nothing we can do, dispute it with your bank. And so I did. Too bad the charge from the XXXX didnt show up on my bank account until the XXXX, so they didnt see the double payment yet and deemed the charge as fine, even though I explicitly explained it was unauthorized. When it did show up on the XXXX, I had to file another dispute. Only this time, my bank froze my bank account for 2 weeks. I have had late payment after late payment for other bills because Comenity Bank basically stole money from me and wont give it back, and expect another payment this month : The money they fraudulently took on the XXXX they refuse to return. They have now locked my account and when I try to log in all I get is we are having technical difficulties. The stress and turmoil I have had to deal with is not only completely unacceptable, its straight up illegal. I am considering taking legal action against them. Comenity bank is the lender for my XXXX credit card, and just so happens to be the lender for a few of my other credit cards. I fear retribution : I fear them deciding to charge me whatever they want whenever they want and no consequences.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-05-01
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has repeatedly contacted my work phone regarding a debt collection that I have no proof belongs to me. They have left voicemails on this phone number, which my employer has access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Account information incorrect

Complaint:
A few items on my credit report are being reported inaccurately. When I contact Experian about this, they just provide me a general response and are not carrying out their responsibility to verify the accuracy of this information.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 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 PLEASE SEE LETTERS FOR REFERENCE

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 2023-08-16
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MY INSURANCE WAS RESPONSIBLE FOR THIS DEBT. I CONTACTED ORIGINAL COMPANY AND ASKED THEM TO RESUBMIT PAYMENT TO MY INSURANCE. MY INSURANCE STATED THEY HAVE REQUESTED FROM THE COMPANY TO RESUBMIT BILL FOR PAYMENT THEY HAVE NOT DONE SO I HAVE ATTEMPTING TO GET THIS RESOLVED FOR OVER TWO YEARS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions Inc.
State: PA
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 submitted a report with FTC about how I can recover from being a victim of identity theft I pay ALL my bills on time and always been a person that I considered to be a reasonable person as well. I filed a police report and was only provided with a report number the FTC told me to file a complaint because If I'm gon na file a lawsuit I'm going to need it. I here asking for help because this matter have been destroying my life and now I'm ready to fight back because It seem like the more account the credit bureau have on your file the more money they will make but in the presses it's destroying American citizens lives. I am also submitting my idenification card to prove my idenitity along with my FTC

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 2021-09-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX Bank crisis XXXX approval letter received. I called stated sitting on desk approved XXXX laid off. Preditoriay lending bought out at least 3 times. Fire damage from unit next door XXXX fire. XXXX  court a person followed me up ramp to secured entrance. Told person to leave me alone numerous times. I tried to explain to Judge and lawyer. I am sure they heard commotion as well as others. A lot of harrassment, agression during covid-19, fire claim, late payments and river stage. The loan balance is thousands more than I paid. After almost 15 years. 
Taken advantage by pushy people.

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 2023-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting 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:
I have no knowledge of these inquires, listed as - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cbna- XXXX ( XXXX  ) - Citibank ( Best Buy ) - 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 2023-07-20
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our previous mortgage company, UWM, did not pay the property tax that was due in XXXX on time, so we received a delinquent tax bill and additional penalties. Our property tax would have been {$4400.00} if it was paid before XX/XX/XXXX, but because they didn't make the payment, we had to pay {$5000.00}, including the penalty, on XX/XX/XXXX. UWM argues that they are not responsible for this situation because their mortgage service was sold to another company on XX/XX/XXXX. I demanded an investigation and accountability from UWM regarding the incident of my property tax being delayed, which occurred before their company was sold, but they only provided evasive answers. I am attaching " File 1 : Delinquent tax bills and my receipt '' and " File 2 : My claim filed against UWM and their response '' regarding my losses incurred due to UWM 's failure to fulfill their duty of representing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. 

I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. 

Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.

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 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent correspondence to each bureau on XX/XX/21 disputing inaccurate items and as of today over 50 days later I have not received a response notifying me of the investigation. I feel like I'm on a hamster wheel disputing this inaccurate information. In researching how these inaccurate items appeared on my report I discover my information was impacted by the XXXX  data breach. Now more than ever I feel my information has got into the wrong hands. I also researched it is illegal by US law inaccurate items be deleted. Your assistance is greatly appreciated

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 2022-12-29
Company: Atlanticus Services Corporation
State: CT
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:
I was informed that I didnt have any late payment on the record they stated the reimburse the late payment charge but didnt remove from credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Sequium Asset Solutions, LLC
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 


To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 


XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 2018-04-23
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
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:
PNC Mortgage told me that since I was paying off my debt in full XX/XX/XXXX that we had an agreement. I checked my credit report and they have reported me as late which has caused my credit score to plummet AND CAUSE ME TO LOOSE ON BUYING A NEW HOME. I am going to be homeless now because PNC refused to remove the negative remarks off of my credit report by the time I was due to get a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-03-18
Company: CORELOGIC INC
State: FL
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:
Credco Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX ( Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Auto Financing ) Twice this one is reporting on my credit. 

XXXX XXXX XXXX Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/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 2022-02-22
Company: Experian Information Solutions Inc.
State: IL
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:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX XXXX XXXXXXXX Account Number : XXXX REMOVE LATE PAYMENTS, UPDATE TO PAID ON TIME

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 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
CashApp continues to be a problem. I stayed at a hotel on XX/XX/2023. I checked out on XX/XX/2023. The hotel XXXX  my total charges on that day. I have a XXXX balance. I used my CashApp card for incidentals only. There were no charges to be applied as incidentals and my XXXX  was closed as such. The payment methods used for my room have deducted as expected. However, despite providing Cashapp with documentation from the hotel, they refuse to release my funds, pointing blame at the hotel. The hotel provided information as evidence my bill is reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Even though we submitted signed documentary proof that a former XXXX XXXX  client XXXX XXXX lied to PayPal and their bank that their credit card was " duplicate charged, '' thus initiating a fraudulent credit card charge back, as opposed to the truth which was that she was first refunded because XXXX would not release our money for many weeks thus delaying her emergency XXXX XXXX  required, before making a second charge on her own, PayPal is still refusing to release our {$5000.00} money, which is negatively affecting our ability to pay our employees, our office rent, insurance, and other day to day operations of our XXXX XXXX. 

Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello Citibank, I have made several attempts and no one over the phone is helpful I will start by saying that. Theres an issue which must be resolved ASAP! This needs immediate attention please. Citibank closed my business account for account number ending in XXXX on XX/XX/21 for our business account for XXXX XXXX. It shows that my remaining funds in the amount of {$5700.00} were withdrawn on XX/XX/21 and a check was mailed out in this amount however 1 month has passed and I have NOT RECEIVED my check in the amount of {$5700.00}. WHERE IS MY MONEY? I HAVE NOT RECEIVED MY MONEY YET IN THE AMOUNT OF {$5700.00} which states Citibank withdrew that amount from my account. Were in my money in my account that Citibank took out? I NEED MY MONEY! I keep CALLING CUSTOMER SERVICE NO ONE IS ANY HELP! Please CALL ME AT XXXX or email me at XXXX. THIS IS URGENT!!!!! I need my money in the amount of {$5700.00} that was withdrawn from my Citibank account on XX/XX/21 in the amount of {$5700.00}. I HAVE YET TO RECEIVE MY MONEY! Please resolve immediately. 


I NEED A NEW CHECK ISSUED OUT BECAUSE I HAVE NOT RECEIVED MY MONEY THAT WAS SENT OUT ON XX/XX/21 by Citibank in the amount of {$5700.00}. Thank you. 




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