BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My husband and I traveled on a XXXX XXXX cruise in XX/XX/2018. Based on a program offering 12 months of no interest, we purchased two fairly expensive watches from XXXX XXXX, a company based in New York. We were informed that as long as we made 12 equal payments on time no interest would be charged. I made every single payment on time as agreed. My last payment was made in XXXX and was only {$26.00} because we had paid so much down already. I was shocked to receive a bill in the mail for all interest that would've been due had I not made any payments. I called XXXX on XX/XX/XXXX, the day I receive the bill to figure out why I am being charged. They basically explained that even though the last payment of {$26.00} was not due until several days after it was received ( I paid it before the due date ), the 12 months no interest program expired a few days before the payment was actually due. So basically I got charged over {$570.00} for a {$26.00} final payment that was paid early. I have excellent credit and strive to always pay my bills on time. I have never filed a complaint or had an issue with a 12 month no interest arrangement. This was extremely deceptive. Even the representative I spoke to thought it was unfair, but there was nothing he could do. 

Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality und

er 15 USC 1681. The letters are stated with items and issues. 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 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX  has been reporting incorrect information on my credit reports. I have 2 accounts that were closed. I settled the first one ( XXXX ) back in XXXX XXXX and they didnt update my credit reports as paid off and had an outstanding balance. I disputed these issues and the amount was changed to {$0.00}. The second one ( XXXX ) I also paid off. They updated the information this XXXX after I paid it off and its still wrong. I dont owe XXXX XXXX anything. Ive been making payments on XXXX since XXXX and paid the rest off in XXXX. There shouldnt be a past due amount of {$810.00} on my account. Both accounts are settled for less than amount. I disputed this second account. TransUnion said the information is accurate on my credit report when their payment status, account status and amount are inaccurate.

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 2023-10-23
Company: OneMain Finance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I was approved for an auto loan on XX/XX/2023 by one main financial ... .during the closing part of the application the representative ( XXXX XXXX ) was rude on the phone accusing me of not following instructions... I was so frustrated that the dealership workers had to talk to her over the phone ... .we closed the deal... on Friday XX/XX/2023 I get an email saying that the loan was denied ... XXXXon Monday XX/XX/XXXX I called the number that was listed on the email and spoked to a gentleman from one main financial collection and explained why I was calling ( I was calling about the denial letter ) he said to ignore the letter ... ..I have spend all weekend XXXX  reviews about one main financial and I read up on alot of complaints and warnings from other consumers who dealt with the same thing I did... I am afraid that if I ignore this denial letter, it may haunt me in the future. The gentleman on the phone even asked if I talked to a lawyer and I told him not yet ... I'm worried about my financial future after dealing with poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This goes against my consumer rights, I want all items removed from my credit profile as soon as possible. I've submitted letters multiple times and it has been 30 days since my last attempt with no response. Remove all items off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A gift card from XXXX was purchased in store in XXXX Florida for XXXX dollars using my cash app card. I live in North Carolina and have not been to Florida. I also have never given any of my personal information about cash app or my card information to any one. I was in my bed sleeping when this purchase was made. Cash app has no means to which I can cancel the purchase and XXXX  has no real way to verify the purchase because it was not an online purchase. I have never lost or stolen this card for the card info to be in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: The CMI Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a account on my credit from XXXX that is with a collection agency called credit management. The amount for the debt collection is XXXX. Discount was made fraudulent. I never opened a account. Ive tried to resolve this several times Ive put in fraud claims theyve removed it from my credit several times and keep trying to put it back on there. This is not my account. This is fraud.

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 2019-07-03
Company: RENASANT CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing this attempt on debt from Renasant Bank in the amount of {$2200.00}. This debt was originally owned by XXXX XXXX   for an auto loan that they charged off on XX/XX/XXXX. Renasant Bank then merged with XXXX XXXX after and has then since tried to collect on a debt they have charged off on their taxes with their partnership/merger with XXXX XXXX. They are stating that I am delinquent on payment and it is negatively harming my credit report with inaccurate information. It seems they are trying to get double paid one for right off on taxes a two for money out my pocket.

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 2019-01-05
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After making a single sale on XXXX, PayPal froze my account and created an error described as " Your account access is temporarily limited ''. I was not notified that my account was frozen by any means ( call, text, email ), and only until I attempted to make another sale was I notified of the account freeze. 

I use paypal for multiple reasons including payment to friends, business transactions, and selling goods on websites such as XXXX and XXXX, where paypal is the only verified account that can be used to sell goods on these sites. 

Since XX/XX/XXXX, I've been attempting on a daily basis to have my account reopened. On XX/XX/XXXX, I submitted my driver 's license and a copy of a receipt for the good I sold on XXXX. I was told within 48 hours it would be reviewed and resolved. 

On Thursday, XX/XX/XXXX, I noticed my account was still locked. I called paypal ( since they have no chat option ) and the estimated wait time was between 1 hour to 1.5 hours. I received a call back and was told a ticket was put in to escalate my issue and that within 24 hours it should be resolved. 

On Friday, XX/XX/XXXX, I called back as my account was still locked and was told " the ticket had been closed '', but given no reason why. The call center rep informed me that the issue would be resolved and that I would have immediate access to my account. Both times I was speaking with call center agents in XXXX XXXX. 

As of today, XX/XX/XXXX, I still do not have access to my account and am attempting to call back again. This delay has hampered me in selling goods on websites that require PayPal, and I still don't understand why my account was " limited ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This goes against my consumer rights, I want all items removed from my credit profile as soon as possible. I've submitted letters multiple times and it has been 30 days since my last attempt with no response. Remove all items off my credit profile.

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 2022-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-01-30
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account number XXXX in the amount of {$1500.00} I mailed a certified debt validation letter to California Business Bureau on XX/XX/XXXX that was written on XX/XX/XXXX regarding a debt that was reported on my credit report. The company has failed to validate that this debt is in fact mine. Please review the attached documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Back in XXXX of 2023 an unauthorized wire transfer was performed on my account with Wells Fargo ( someone hacked my bank account ). I did not authorize this and called bank immediately telling them this. Bank is saying that there was no money to recover from the other end so they will not return my money. I don't understand why this is since my money should've been insured. I have filed a case with the XXXX XXXX Department and charges have been filed, but no one has been apprehended.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2024-01-10
Company: Kikoff Inc.
State: OK
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:
On XX/XX/XXXX someone open a account in my name I reported it as fraud XXXX they did not remove this account I dispute it before they close the account but never remove it from my credit bureaus. 

I have a old account from XX/XX/XXXX I dispute thats not off my credit report that wasnt me either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was informed in person on XX/XX/2018, by Wells Fargo bank agent, located at XXXX, Ca. that mine professional business bank account, " checking '', jurisdiction, relative mine business, XXXX XXXX XXXX XXXX  ; XXXX, was missing, from Wells Fargo Bank relative matter records, and that there was reason to close the account, surrender mine business banking card ( s ), and re-open a new account ... '' I was in state of shock '', and naively continue therefore as she, the Wells Fargo Bank agent prescribed me to do so... 
Later, after I did come to think about all the problems that were suggest by this unbelievable Wells Fargo Bank 's malfunction, such as for regards all mine recur payments, prescribed by me attach to my business banking card, and therefore fact that I would have to contact all relevant associate those business agents, inform them of the new business banking card number ... '' I became very upset, and occur me XXXX, upset mine XXXX XXXX diagnosed, XXXX XXXX XXXX, compel me use my XXXX XXXX  prescribe medications, includes XXXX, for appropriate relief from discomfort and hyperventilation occur me, I maintain a loss of normal breathing because of this event cause much problems, Wells Fargo did cause, even includes Wells Fargo failed even replace the " correct money '' that was lost with account records, XXXX XXXX XXXX XXXX ; XXXX  did concern about exceed {$3000.00}, from abroad moderate business administer was available me at that begin time of XXXX & XXXX XXXX XXXX XXXX XXXX professional business, the parent company, to XXXX at jurisdiction, both be mine , professional legal business ', at Dba. jurisdiction concerns them.

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 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that werent opened by me. This is hurting me during my process of purchasing a home for my family. Please delete these fraudulent accounts from my credit 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 non-monetary relief
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote experian already and submitted a complaint and they ignored me completely. Someone is tampering with my credit scores. I have zero late paid bills in 8 years or more. My total debt on XX/XX/XXXX was XXXX $ and my score was XXXX since that date my debt has dropped by XXXX $ ( actually a lot more but hasnt updated yet ) and my credit score has dropped by XXXX points and is now XXXX. How can my billing history be spotless for 8 years, all my bills are paid on time and I paid down my debt and my score was lowered by XXXX or more? I have to get a car loan and I need good credit this is illegal and fraudulent maybe because of a certain celebrity I know ex lover bullying me I dont know please fix it. My XXXX credit score is XXXX and its still hasnt reflected the XXXX $ drop in debt. That is illegal. Please correct this error fast I have a rental car charging me XXXX $ a day thank u very much, 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 2019-01-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
For 3yrs, i have notified the CRAs of fraudulent information on my credit. For 3yrs they just reverify ... everything ... so on XX/XX/18 i sent an internet to sue letter. They're response was ... ... they now report i owe over 1 million dollars in student debt! I really owe XXXX per my monthly statements. One of these student loans shows me 120days late from the day it opened ( while i was in school/ deferred ) My life has been affected in so many ways ... where i live, where i work, what i drive, where my kids vacation, my self esteem and my health. 
XXXX XXXX XXXX keeps moving my last activity date forward and checked my credit to file a lawsuit against me. 
Being rude and impossible to talk to. 
I have a recent XXXX collection but have been with XXXX for 5yrs! I have a first XXXX credit card collection that was never mine ... 
No one will provide me evidence of where there getting these from. 
XXXX reported me 30 days late and i wasn't..i disputed it..so they updated those months to current then reported other months late! Causing me a credit score decrease of 60pts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions Inc.
State: CA
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 was exploring Interest Rates for a purchase of a vehicle. I utilized XXXX. I was unaware that by using XXXX XXXX that I would have multiple inquiries on my report. I would not have proceeded otherwise ; as I am very conscientious about applying for credit. I started to get alerts regarding inquiry. I was able to identify XXXX XXXX as the party responsible. I contacted them to advise that I was not aware that this would generate a credit inquiry. I was advised that is was in paragraph 5 ; which is below View Free Offers however ; if you are using a mobile device ; the paragraphs do not readily display on the screen. Typically, other websites, make you scroll down or actually check a box to agree before proceeding. I have seen other complaints regarding XXXX XXXX regarding this issue and they are not being transparent to the customers on purpose so they can generate leads. I was advised that up to 5 inquires could be sent. I have a picture of how it shows on my XXXX XXXX that I can provide. I am unable to dispute inquiries on my credit report and I am not sure how this will impact my credit score. Further, I had already purchased a vehicle and I am still getting credit inquiries.

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