BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-06
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This relates to an XXXX XXXX XXXX card. For years this card was administered by XXXX  XXXX XXXX, without problems. Their online access was pretty much error free. 

Recently the XXXX card administration was changed to Comenity Bank/Bread Financial . I signed up for an online account, created a password and have not been told the password I use each time is correct. However each time I've tried to access the account it denies access. 

The message says it doesn't recognize the computer I'm using and asks for a one-time access code, which I can obtain XXXX of XXXX ways : text and e-mail. But the boxes for those options say mobile phone unavailable/e-mail unavailable. 

Now this simply isn't true. Comenity/Bread has my e-mail and e-mails me constantly, so that shouldn't be an issue. ( They have a very limited list of mobile phone providers ( maybe XXXX ) and mine isn't among them -- so receiving a text is not possible for some obscure reason. ) I have called and talked to customer service repeatedly for a total of several hours, including a supervisor. All of them have told me ( in heavily accented XXXX ) that their records show my e-mail address and they can't understand what's going on. Further, they say they can't fix the problem, and there's no technical support available available to fix it. So good bye. 

In other words, buddy you're just out of luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent in documentation to both bureaus Equifax and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of XXXX has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a complaint ( XXXX ) that was closed and I was informed that there was nothing left to do as my complaint was sent to that AG for XXXX. 

I haven't heard anything yet, but I thought I should include some of the issues with the " Lender 's '' response and documentation therein. 

Been asking over and over about licenses for drafter and branch, and they send a response with no unique identifiers present. 

Asked for proof of this alleged {$40000.00} past due balance... they send an altered transaction sheet, and even it shows that those alleged charges are posting to the account are not charges against it. 

No rights and disclaimer. Most specifically my right to rescind. 

Authentication issues with any XXXX  loan are well noted. I've asked them over and over how they can even try to assert legal rights to enforce this debt on those ground and nothing. Requested proof that they've obtained this instrument in due course and nothing? 

How much nothing before this company is in dishonor. 

I've taken the initiative to pay my insurance for the year to see if this company was capable of refunding something, but in pure XXXX fashion, not only have I been charged again for insurance ( or at least what's said to be ). There's justification for no change in the escrow projection. 

Threw in an escrow analysis document so that you can see the immediate payment for insurance. Misapplied funds. Created shortages. Obviously more 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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I sent a {$6500.00} wire to a bank account that I believed to be my landlord 's for rent. We found out on XX/XX/2023 that his email address and bank account were compromised and the wire was sent to a fraudsters account. I bank with JPMorgan Chase and have alerted them of the issue and they have been unwilling to help remedy the situation outside of providing a basic wire recall request. There was a police report filed as well and I am working to receive the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I started receiving emails from Chime. They were saying I have a new account tied to my email and I also started receiving texts. I never signed up for this account. When they texted me saying my debit card was on the way I got concerned. My credit report shows no new activity. I contacted them to close the account. They can not close the account without a picture of the front and back of my ID as well as a picture of me holding the ID. Whoever opened the account was able to do so without such information. I shouldn't have to provide private details that could allow my identity to be stolen in order to close an account that I never opened. They are either allowing scammers to open accounts without any information, or they are opening accounts for people in an attempt to market their product in a very shady way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that

I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account witho
ut 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 2022-10-10
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Hi im wanting to submit complaint against Ally Auto bank. in XXXX it was considered a total loss, my insurance paid over XXXX. And now Ally is trying to say i owe over XXXX $ and i have my statements from Ally and i owed XXXX that was with my XXXX XXXX statement. vehicle date of claim was XX/XX/XXXX. and my last statement from Ally, dated XX/XX/XXXX that my balance was XXXX $! which is not possible. I've called them, and just faxed em all copies of proof but they have alot of fraud cases, but they are blowing me off. i need to sue

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 2023-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is my second time in this situation. On XXXX XXXX a payment to Capital One posted from my XXXX bank account. Capital Ones website states that payments made before XXXX will be posted same day and payments after XXXX will be next day. My mom made a payment on her account it went straight through and her available credit reflected the payment immediately. My payment is still pending. I contact Capital One which caused many contradictories. On one hand they say I can not get a refund for my payment because it has posted but they claim my available credit can not be released because of a review to verify my funds. I asked them to explain how a payment can post but not be cleared and they can not give any explanation besides they just do that sometimes. Thats unacceptable as Ive done nothing wrong to be placed under review for EVERY payment i make. Capital One also revoked ability to pay via debit card leaving you NO choice but to pay ACH but turn around and hold your money. As stated before the payment posted from my bank account on XX/XX/XXXX at XXXX. It is not in pending status. Capital One sent me email at XXXX same day indicating my payment was posted in their system as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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 mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX Reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. 
Send me a copy of my credit report once you have done my request. 
My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX and XXXX are both complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I write to express my extreme frustration and disappointment with your persistent failure to rectify blatant inaccuracies on my credit report. It has been months since my initial investigation, and the fact that erroneous information still remains is completely unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) explicitly demand the authentication of reported accounts within a reasonable time frame. Your refusal to treat this matter with urgency and produce the necessary proof is an egregious violation of these statutory requirements. I demand an immediate and thorough investigation into the unverifiable items associated with the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00}. XXXX has already demonstrated a responsible and corrective approach by removing late dates and updating the negative status of this account to a positive one. It is bewildering and infuriating that your bureau has failed to emulate this action, especially considering the evident error in the reporting.

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 2023-09-19
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I noticed some inaccuracies on my financial report and decided to contact the furnisher and the credit reporting agency in regard to my concerns. After I received no resolution, I filed a CFPB complaint # XXXX. Shortly after I filed such complaint, I find that I was attacked in retaliation for filing the complaint. This action taken caused my score to go down. I have had issues with being attacked by score manipulation for positively resolving accounts just to have my score drop from XXXX XXXX down to XXXX XXXX for information that was incorrectly reported from inception and could have never been verified because such investigation would have brought light to the facts associated with the account. The only remark added with my score decrease is that I disputed the false information reported. I have receipts that all accounts being reported have been resolved in full and I have endured damage to my reputation for years due to this companies ' willingness to mislead me with constant denial of due process and coercions to keep me financially burdened and to daily damage my name and standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NY
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$3500.00} ; US DEPT ED XXXX Balance Owed : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: Express Enrollment LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was initially contacted via phone on XX/XX/XXXX by XXXX XXXX informing me that she was with the student loan forgiveness program and with six consecutive payments of {$160.00} they would process all of my outstanding student loan debt for forgiveness. They changed my account log in information with XXXX XXXX XXXX XXXX account and my XXXX account without consent or knowledge. I have attempted to cancel with the company multiple times. The first attempt was a few weeks later early XXXX. They refused to let me cancel because they claimed all of my paperwork was processed and my loans were getting transferred to another borrower. I processed chargebacks with my bank in XXXX of XXXX for the first two automatic payments SLFD Processing submitted. They did not like that I filed disputes and contacted me to cancel the chargebacks in which they claimed I would receive paperwork or proof of the " services '' they promised. I have been fighting for two years with SLFD Processing with numerous phone calls, emails, and text messages from XXXX XXXX who is supposed to be the processing manager. I have never received any updated proof that anything was completed. I contacted XXXX again XX/XX/XXXX because they continued to refuse refund and provide me with the promised services two years later. XXXX sent a text, email, and voicemail that he attempted to contact me back, but I never received a phone call. I called again with no response. I have all correspondence, the contract sent, and all conversations. I know the Attorney General of Minnesota has a settlement claim against this company. I received an email from SLFD Processing on XX/XX/XXXX stating if I currently owe a balance under my agreement SLFD Processing is cancelling the balance for compliance with Illinois XXXX XXXX XXXX. I contacted them immediately after that email was received and I was informed I would be refunded within the next two weeks and they would update me when they had a final answer. Two weeks later, still no contact so I have called every week since XX/XX/XXXX with no contact made. Multiple voicemails to this company have been left each week and it is now XX/XX/XXXX. I have heard nothing about my refunded money in the amount of {$990.00} in two months. They are now ignoring my attempted contacts. I deserve my money back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, 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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reported for a XXXX  debt that I had no knowledge of. I have had no written paperwork around it just calls non stop. I have asked for it and have not gotten anything. At this point I dont even know if the medical debt is valid or not.

Company response to consumer: Closed with explanation