BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved 22 phone calls from Comenity Bank ( XXXX ) in the last 5 days. All from different numbers or from blocked numbers. I have asked them repeatedly to stop calling as I pay my bills online. This is a very big issue because this company does not respect work hours. I have informed them if they absolutely need to call me, that they can not call me before XXXX during the week. They have refused to listen and continue to call me during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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 2021-11-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting XXXX {$8700.00} XXXX XXXX {$0.00} FST XXXX {$12.00} XXXX {$15000.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX {$1600.00} XXXX {$0.00} CB XXXX {$0.00} XXXX {$920.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the company to whom the debt was old and was told they no longer had the debt that it was with an agency. I tried to dispute it with all 3 credit bureaus because the debt is over 6 years old and was told it would remain on my credit and my credit would be damaged forever and they would not remove i the guy laughed at me and said I should be more responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Commercial Recovery Systems
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2018 at XXXX pacific time my maternal cousin received a phone call from XXXX XXXX XXXX claiming that I owe so much money on a checking account from XXXX XXXX and if this matter isnt resolved they are going to take legal action. I called the number they left. It rang once then music started and then a man picked up. In the conversation I had he accused me of theft of stealing goods or services. I asked him for the name of the company he represents then I looked it up using XXXX and every thing that came up under that company was linked to extortion scam. When I brought this up to him, he immediately hung up.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-09
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX, a military housing community in XXXX, FL, was my place of residence from XXXX to XXXX. In the beginning, I had only agreed to a 7 month short-term lease, with plans to move into a house I was under contract to buy. 

Things went well while I occupied the unit I lived in. However, I had been warned by colleagues about illicit & poorly explained business practices that I would fall victim to unless I took great care of the move-out process. I took great care of the property, making sure to clean thoroughly at the end of my time living in the community. By the time I finished cleaning prior to the move out inspection, the house was cleaner than it was before I moved in. 

XXXX XXXX XXXX, in their move out inspection process, charged me their standard {$300.00} cleaning fee, and then was unclear/unwilling to explain what the cleaning fee was for, aside from vague emails intended to corner me into paying the fee. I took this complaint before the XXXX XXXX XXXX XXXX XXXX, where they calmly agreed with me that the fee was clearly excessive and unfair. 

XXXX XXXX XXXX never responded to the letter sent by XXXX XXXX requesting their dismissal of the fee, and instead sent the {$300.00} cleaning fee to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Marlette Funding, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
The company stated in a notice that they are unable to extend credit to me because of settlement information listed on a credit report for an old account. I spoke with XXXX in the applications department, XXXXSupervisor in the applications department, and XXXX Manager of escalations. I informed them all that it is unlawful and an act of discrimination for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under this chapter. XXXX stated she would put in a ticket to escalate the matter for a resolution within 24 hrs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: AFNI INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AFNI collections is reporting an errenous collection on my credit. I recently checked my credit and noticed this debt reporting. I called immediatley and settled the debt. I was completely unaware about any debts because I never received calls or notices regarding this debt. This violates my 30 day right to dispute this account must be removed from my credit file This has been paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to express my growing frustration and concern regarding the numerous attempts I have made to rectify an inaccurate late open account on my credit report. Despite my ongoing efforts to correct this discrepancy, the issue remains unresolved and continues to have an adverse impact on my financial well-being. 

There is a late open account inaccurately listed on my credit report, which does not accurately reflect my financial history. This inaccuracy is significantly damaging my credit score, affecting my ability to secure fair lending terms and credit opportunities. 
I have diligently followed the prescribed procedures for disputing inaccuracies in my credit report as outlined by the Fair Credit Reporting Act ( FCRA ). In each dispute, I have provided clear explanations, supporting documentation, and evidence to substantiate my claim. 

Regrettably, my efforts have not produced the desired results, and I continue to encounter the following challenges : My previous dispute letters and supporting documents have received minimal to no response, leaving me unsure about the status of my dispute. 
The delay in addressing this inaccuracy has caused significant financial hardships and has adversely affected my ability to access credit and financial opportunities. 

The presence of this inaccuracy continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the critical importance of accurate credit reporting for both consumers and creditors, and I am fully committed to working with your credit bureau to ensure the accuracy of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that your credit bureau conducts a thorough investigation into this specific inaccuracy and takes immediate action to rectify it. Additionally, please provide me with regular updates on the status of my dispute, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, which serve as evidence of my earnest attempts to rectify this inaccuracy. I am asking for your immediate assistance to correct this accounts : XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX Balance : {$12000.00}.

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 2023-03-23
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I discovered in early XXXX that Barclays Bank had been sending my rewards points from my Visa Card to an account that I had closed years before I opened a the account with Barclays, and that Wyndham Rewards did nothing to correct the error. 
Since late XX/XX/XXXX, I have contacted Barclays or Wyndham some 12 times by either phone or email and have been sent from the one to the other several times without resolution of the problem. As of late, they have stopped responding to me altogether. The only change that has been made is that Wyndham Rewards opened a new account in my name and the Barclays card points from XXXX XXXX forward have been credited to this account. 
Much to my consternation, Wyndham rewards still won't credit to me the XXXX points that have been sent to them by Barclays, and Barclays will likewise do nothing to correct their error. The points number was the total from all the Barclays ' Visa Card statements that I have from the opening of the account in 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 explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: DISCOVER BANK
State: MA
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:
I used the discover link that stated I can get a rate without an impact to, y score I followed the link and was notified by my credit monitoring service that a hard pull was made on my credit report by Discover I did not authorize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Upstart Holdings, Inc.
State: VA
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:
I asked the company on XXXX XXXX of 2023, to respond to questions, after I suspected that relevant information may have not been provided to me in the process of reading thru the literature, provided by the alleged lender. I asked the lender to define if the disclosed that it would steal my promissory note by depositing it as an asset and then create a liability and then loan me credits that came from me. Then ask me to pay them in the form of Federal reserve notes. I stated to the lender if it did not respond with answers to these specific questions and others in the specified time frame it would have agreed to the Terms and Conditions set forth in my Non Negotiable Conditional Acceptance of the alleged contract between the alleged lender and me. They continued to not respond in the way asked of them. I eventually gave Notice of Rescission of our alleged contract, due to the mistake I made by entering into an alleged contract without all relevant information needed to make and informed decision. The lender still refused to respond in the proper way. I got a Notice to cure from them, but it was after improper responses from them. They continue to report the account as delinquent rendering my credit score lower and lower, while we were engaged in negotiations.

Other conditions that they agreed to by their silence is removal of negative credit reporting and adjusting the account balance to XXXX. 

In accordance with the fair credit reporting act This creditor, ( Upstart XXXX XXXX, Upstart Network LLC ) has violated my rights Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 604 ( a ) section 2 states that consumer reporting agency cant furnish an account with my written instructions. 15 USC 166 ( v ) a creditor may not treat a payment on credit card account under an open and consumer credit plan as late as for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: KEYCORP
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a student loan with Key Bank XXXX XXXX originally taken out in XXXX and I paid it in XXXX or XXXX. 
On XX/XX/XXXX, at XXXXXXXX XXXX EDT, I received a collection call from KeyBank that went to my voicemail. I called back and spoke with someone who confirmed that my account was paid in full. She didnt understand why I was getting a collection call. Then she said that my phone number is also associated with another account. I have had this phone number since XXXX or XXXX. She said she would fix the issue. 

On XX/XX/XXXX, at XXXX XXXX EDT, I received another collection call from KeyBank that went to my voicemail. Again, I called back and questioned why I was receiving the phone call. The representative confirmed that my loan is paid in full and I do not owe anything. She said she couldnt see on her end that I had received any phone calls. I told her that I had two voicemails on my phone that are still there, and I indeed had received collection calls. She did some further digging and found that my phone number is still associated with another account. This is not up to me to fix. I am so upset getting collection calls for something Ive already paid, and paid several years ago! 

I still have the voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Once again Bank of America has fraudulently opened an account in my name in less than 6 months after my last complaint. Please refer to CFPB complaint XXXX where I noted that Bank of America opened an account despite my putting a fraud alert and a security freeze with XXXX XXXX as well as all the credit bureaus ( XXXX, XXXX, XXXX ) XXXX Bank of America has a very lax fraud system and this is enabling fraudsters to open account at will. CFPB has done little to mitigate despite repeated complaints. Once again I had to call customer service at Bank of America to try and close this fraudulent account. What is Bank of America and CFPBs response to a second time opening of a fraudulent account in 6 months?

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 2022-04-15
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: Information belongs to someone else

Complaint:
I recently started to gain interest in my credit and building it due to my mom, I made an account with identityiq to get a full report and noticed multiple unauthorized accounts as well as unauthorized inquires on my report and I'm lost on the fact that whoever was able to steal my identity or information, I was/am not aware of any of the accounts or inquiries. The fraudulent accounts are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent Inquires are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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