BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Greetings, The comenity website for Victoria Secret has been down for about 1-2 months, making it hard for customers to log into their accounts and make payments. I called last month to try and make a payment online and received an error message. Granted, I did close my account about 1-2 years ago, but Ive always been able to make payments online to pay down my balance. Fast forward, here we are today. I called comenity yesterday and today and all the agents could do was apologize and explain how they dont have an ET on when the tech issues would be resolved. I found out that I was charged a late fee and I explained to the agent today that I feel it should be waived since I have not been able to make a payment due to the system being down. The agent was nice enough to waive the fee, but I can not verify that since I can not access my account. The system is still down currently. I cant access my statements to view any odd activity and I dont feel comfortable making a payment until I can physically see my statement. I think this is beyond unprofessional and quite sad. I have never had this issue with other companies. I do plan to pay the balance off once I can view my statement and wipe my hands clean with comenity. Something really needs to be done about this. Peoples credit and lives can be ruined behind this! Never again will I open anything else with comenity bank. This has truly been a nightmare for millions of people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX I went to your store the one in XXXX XXXX purchased all my kitchen appliances from Best Buy. The issue that I have is with the microwave trim kit. The first one I got was dented I called Best Buy to notify them of the issue. I received another when the crew members came to install it was forced in and the microwave kit was dented it. Called Best Buy again they sent me another microwave kit. Crew members came again not able to install it because it was the wrong size, they took it to back to the store themselves ( crew members ). Called Best Buy again was sent another microwave kit wrong size again this time Best Buy sent XXXX to pick up the kit. At this point I don't know what to do anymore. I paid for all my appliances, but I'm stuck with a dented trim kit. I don't have any trim kits in my possession except the one that's installed which is dented and loose on top. I have called multiple times and they have me on the merry go round. I spoke with XXXX the supervisor who promised me XXXXXXXX XXXX card. Last time I spoke with her was on XX/XX/XXXX gave a reference number XXXX XXXXXXXX and told me I should be receiving a XXXX card within XXXX  days. At this point nothing, this issue has not been resolved. I'm tired and annoyed of calling have explained the issue to multiple people on their customer care department and I keep getting a different story every time. Until today I have not received the XXXX that was promised to me which is rightfully mine. See files XXXX pic is dented at the edges and second pic the kit is loose on top not properly installed.

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 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I was charged by XXXX XXXX for a procedure in the amount of {$2500.00}. Once my insurance paid XXXX XXXX, the statement said that I was to pay my portion -- {$850.00}, not the {$2500.00} that XXXX billed me. 

I repeatedly tried to get a refund from XXXX XXXX to no avail. Since they were ignoring my request for a refund, I submitted a dispute with my credit card company through Bank of America. 

I submitted proof of my payment of {$2500.00} to XXXX XXXX, a statement from my dental insurance showing that I was to pay XXXX XXXX only {$850.00}, and requested a charge back in my favor of {$1600.00}. 

They responded with a letter saying that my claim was denied due to insufficient documentation. I called the dispute center and spoke to a supervisor who said that he could see that all the documentation was there. He said that he would reopen the case and I should hear back from them, shortly. 

Today, I received a letter from Bank of America saying they were investigating my claim against XXXX XXXX XXXX in the amount of {$100.00}. I never submitted a dispute against XXXX XXXX XXXX! Bank of America should not be disputing any payment I made to XXXX XXXX XXXX. 

I respectfully request that you help me recover the {$1600.00} due to me from Bank of America. The dispute has been properly documented and clearly shows that I was overcharged by 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 2023-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
According to the statute regarding ID theft victims having information blocked from their reports, the statute requires the CRA 's to block the information within 4 business days, it's been longer than 4 business days!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information thats on my consumer report, that is a result of identity theft. I did not provide written permission or instructions for the identity. Transaction to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to my transactions by me as a consumer. 

You are required to do what I am asking and block these transactions from being reporting/ reported within 4 days from the receipt of this notice I look forward to your response XXXX XXXX credit card XX/XX/2022

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 2018-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification that there was an inquiry from Capital One on my credit report on XX/XX/XXXX. I called Capital One at XXXX XXXX on XX/XX/XXXX. They confirmed an account was opened with all of my information. They said they filed something with their fraud department and the account would be closed. They said Id receive a letter noting the account was closed and that it would be removed from my credit report within 90 days. I received the card in the mail on XX/XX/XXXX. I called back in on XX/XX/XXXX and the system recognized my account. I went to a supervisor in the fraud area who told me the account wasnt closed on his end and apparently there are multiple systems. I asked for more information like how they applied ( phone or internet or an employee of theirs ) and he said they dont have that. Of course they have that! He was unwilling to provide any information and both people I talked brushed this off like it was nothing. It is something to me! My identity has been stolen! It came across as if it happens all the time and its nothing. The fraud supervisor said there is no way to catch this until the consumer calls in saying it was fraud. Im a XXXX XXXX by trade, and thats ridiculous. There are fraud tools that detect fraudulent emails amongst many other things. There is verification they can do with the credit bureau as far as comparing length of address and employment. There are red flag procedures they should have. When I brought up these things, the supervisor just repeated himself over and over and talked to me like I was clueless. It doesnt appear they are protecting anyone and it appears all that matters is the new card to them at the end of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We switched phone companies, and after switching we paid off what I thought was everything. There was still a balance left on the account and then I got a collection. I moved so I was not receiving anything in the mail from them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Yes I have a Barclays XXXX XXXX XXXX that I received a little over a week ago and I have had to contact them multiple times a day via calls and chat about them constantly declining my transactions when I have proof that my account has no restrictions and no holds and all transactions will go through I have told them every time that all transactions have been authorized and they still want fix it

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 2023-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
My identity was stolen and fraudulent accounts were opened. Per credit reporting laws I demand these fraudulent accounts be deleted from my credit reports immediately. TY

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 2023-06-22
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
During the COVID-19 forbearance, my direct federal student loans were transferred from XXXX XXXX to MOHELA for servicing. Prior to the federal student loan pause, I was on the PAYE IDR plan at XXXX XXXX with a monthly payment of around {$200.00}. Federal Student Aid/U.S. Department of Education is extremely clear about what happens after the federal student loan payment pause ends if you were on an IDR plan prior to the pause. Directly from the FSA/studentaid.gov website, in multiple places : " If you were on an IDR plan before the payment pause began, heres how youre affected : Your paused payments will count toward IDR forgiveness. 
Youll stay on the same IDR plan when payments restart ( unless youve changed repayment plans during the pause ). 
You dont have to recertify before payments restart and for six months after the payment pause ends. '' " You won't be required to recertify before payments restart, and the earliest you could be required to recertify is six months after the payment pause ends. '' Since my federal loans have transferred, MOHELA is stating my payments once they resume will be {$1000.00} monthly. I spoke with several MOHELA representatives on XX/XX/2023, who are stating that I missed my IDR recertification in XX/XX/2023, so I need to recertify now in order to get back on PAYE IDR plan. This is incorrect. Under the rule of FSA/U.S. Department of Education, I was absolutely not required to recertify at any time during the pause, therefore, I could not have missed my recertification date or have been required to recertify in XX/XX/2023. The earliest I can be required to recertify my IDR plan is 6 months after the payment pause ends. Also under the rule of FSA/U.S. Department of Education, my payment once payments resume should be the amount/plan they were prior to the federal student loan pause, which is around $ 207 monthly on the PAYE IDR .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00}

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 2023-05-26
Company: Velocity Portfolio Group
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from this company saying I had an owed debt and that I either need to pay {$7000.00} in settlement or pay {$2200.00} in order to set up a payment plan. I told them repeatedly I can not afford that amount and they insisted if I do not pay either of those amounts that I would be sued, despite my trying to set up a payment plan arrangement. I have received no notification via mail or email saying anything about legal action and all of the reviews listed for this company say this is a fraud tactic. Additionally, I was told unless I provided my bank account information they were going to close my file and that I will be sued if not. Then they said I had until XX/XX/2023 to pay or the creditor would take legal action. I've received no proof or declaration of legal action and I feel I was coerced into providing my bank information under the threat of legal action.

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 2023-07-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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: EQUIFAX, INC.
State: VA
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 disputed information on my credit report and the CRA states they have verified the information. This particular account I was taken to court for and the judge ruled in my favor. I did submit a copy of the findings with my dispute. If the company can't prove in a court of law that I owe the debt then why is it allowed to be on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
My name 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
My name 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 explanation
Consumer complaint received 2022-02-15
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, In XX/XX/2021, I mailed a check to pay off my Citi XXXX card in the amount of $ 3000+ dollars. 

The check was applied to my Citi Financial card. Then Citi XXXX added another {$3000.00} to my Citi XXXX 's current balance. 

This error caused my Citi XXXX Account to become over the credit limit, and caused XXXX late payments ( XXXX and XX/XX/2021 ). After this error, my credit score went from over XXXX ( I have never been late on anything ) to a XXXX. 

Eventually, after about 7 months and numerous calls the error was corrected and the payment was applied to the right account, but the XXXX late payments that were reflected on my credit report were not fixed. 

Thus causing my credit score to plument, the closing of other credit cards and the lowering of my credit limit. I have called and called. Filed a complaint with the attorney generals office and to my avail nothing has changed. 

I am a XXXX XXXX XXXX United States XXXX XXXX. I am so disappointed with how my credit has been handled and the disregard for Citi XXXX efforts to correct their error on my report.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the correction of the following items. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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