BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-05
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for a new Visa Card From Comenity Capital Bank after going through the application process and all the security verification that i had to do since i have a fraud alert on my credit file the account was opened i was approved for a {$1000.00} dollar credit limit. 
I have multiple store credit cards with this card company insitution comenity capital bank never once have i ever been late not once has a payment ever been returned no once have i even ever tried to go over my credit limit never any issues in 2-3 years with this company they pulled my credit in XX/XX/2019 for the caesars rewards visa card and then aproved me after varification process i got the card activated it online set up payment accounts used the card to pay my auto insruance and a few other things then i made a payment as soon as those charges posted and then i was trying to use it at dinner the other evening and it was Closed i called in to find out why it was closed and they said because of information the credit beurue supplied them with they used an excuse like 5 times saying the credit beurie told them to and thats not possible because those beurues dont tell a bank hwat they cant and cant do then they explained it was info that came in the credit report and kept syaing I need to contact credit beure for this info. they would not tell me why they opened the account and then closed in just a few days after reopening it. 

I feel they in bad faith and bad business opened an account then closed it which now means I have more than just a 2 year inquiry on my credit file it means that they reported an opened account then they reported it closed so now its on my credit file for like 10 years i think because its a closed account they refuse to remove it or do anything to fix their bad faith bad business mistake. 
and all i want them to do is have the account removed from my credit file all together cause this is fraud i belive they fraudulently opened my account knowing they would close it to just play games and make it look good for them to have had a new customer but then not i don't know for sure but i do know that this was there mistake and i should not suffer for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was charged twice of {$670.00} for paying a new telephone at XXXX XXXX. Bank of America deducted twice XXXX. I got credit for one charge the second one I havent got credit for it its in dispute. 
XXXX XXXX XXXX did not want to take a payment from Bank of America requested a different method of payment so I used my chase debit card to pay the XXXX and Im asking Bank of America to give me back my second XXXX with the charge. I submitted all the documentation the statement from a manager of the branch helped me. She looked at my paper she looked. Everything was correct. They still dont wan na solve the dispute. This is been going on since month of And one of the clerk when I was working what she thought because Im XXXX Im hallucinating I should go and ask somebody to help me with my record with my bookkeeping. I know Im XXXX but I still have mind Im not crazy. The branch are very good is just XXXX number or whatever they are headquarter. I filed a complaint no luck XXXX {$670.00} its a lot for a XXXX senior citizen to lose they playing game with me they dont wan na give me my money. Im so disappointed although Im XXXX I still know bookkeeping and I know how to balance my checkbook. Please help me to solve this problem, I have nobody else to go to.

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 2023-02-01
Company: CCS Financial Services, Inc.
State: FL
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:
On XXXX XXXX, 2021, and XXXX XXXX, 2023, I wrote to tell CREDIT COLLECTION SVCS to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

CREDIT COLLECTION SVCS Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( XXXX  days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: VA
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX Balance Owed : {$550.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Avant Holding Company, Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was hospitalized on XX/XX/23 with a serious illness from which I was not expected to survive. On XX/XX/23, Avant, the credit card company, issued me a late fee for failing to make a payment for my credit card bill due on XX/XX/23. 

I was hospitalized for 33 days. When I was sent home, I contacted Avant, explained what happened, requested a waiver of the {$25.00} late fee, and offered to provide proof of my illness/hospitalization. Over the phone, I was told that my request was denied. However, I was offered an email address to " appeal '' this decision. I wrote to the email address and explained in detail what had happened. I received a written email response noting that there is a credit card agreement authorizing the company to impose a late fee-a credit card agreement I agreed to when I enrolled in the account. I replied that I understood there was a credit card agreement and that Avant had the " right '' to impose a late fee, but it was an emergency and I was not physically able to make the payment when due because I was in the hospital in the XXXX XXXX XXXX They did not reply to my message, and I was stuck with the late fee which seems very unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrote to Citibank asking them to validate a purported debt they are trying to collect from me. In addition to asking them for proofs of claim, I asked Citibank to not continue to reach out to me in attempts to collect this debt until we could come to a resolution. Citibank has ignored my requests and has also not provided me with evidence the debt is mine. I've since sent Citibank another letter asking them again to provide me with anything that supports their claims and have not received it. I need help with their relentless attempts to collect this fraudulent debt as it is impacting my mental health.

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 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying for the past year trying to remove XXXX fraudulent accounts on my credit report. I did what the bureaus told me told me to do. I filed an ftc report, i got a police report. Yet the bureaus will still not remove these fraudulent accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My Cash App card was stolen on XX/XX/2022 and multiple fraudulent charges were made. I disputed all of the fraudulent charges and the majority of them were refunded to me however 3 of the charges made totalling {$280.00} were not. These 3 charges were made tieframe wise in the middle of the other charges that were refunded to me as fraudulent however for some reason Cash App deemed these 3 charges as valid providing zero documentation for their basis for doing so other than a listing of the date of the charge, the amount, and the merchant name. I have disputed them at least 7 times with Cash App and they deny my claim everything without having any basis for doing so. They have essentially stolen my money. I want my funds placed back in my account and these fraudulent charges reversed immediately. Please please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
so I sent a letter off on XX/XX/2022, to remove personal information that I dont that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. no financial institutions is not supposed to share my to third party companies.

these are clear violations of my consumer rights.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: TX
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:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm requesting a complete & full certification process of the public record listed.

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 2023-11-24
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : account # XXXX, XXXX XXXX : account # XXXX XXXX XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. 

Proof of the completed form is attached to this complaint. 

I need confirmation that Nelnet has processed this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: PA
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 recently applied for a XXXX XXXX loan, I was turned down and the denial letter from the bank listed Equifax as the reporting agency. They listed that I had 1.Serious Delinquency 's 2. number of accounts with delinquency 3. Too many Finance companies accounts 4. Length of time accounts have been established and 5. the FICO score is incorrect. 6.5 years ago I had to file for a XXXX XXXX bankruptcy after a serious injury and lose of income ( I realize it stays on my record for 10 years ), but since then I have worked hard to reestablish myself financially and have bought a number of large purchases and have paid them off in record time. I have 3 credit cards and they have been either not used or carry a small balance and are very current. I only barrowed money from one " Finance Company '' to pay for a tree removed from my property and they were paid off in 1 month., and I have had the same checking account with my Bank for the last 37 years. I presently have NO Delinquent Accounts since the XX/XX/2017 bankruptcy and my Fico score at this very reporting agency is XXXX, but the agency reports it as XXXX how am I to reestablish myself if the credit reporting agency keeps putting out incorrect information and I have no way to ask for a correction since it was from incorrect information in the first place. Equifax informed me that the FICO score is different and to to different companies? how the heck can there be so many different scores. Trying to fight this is almost impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
All my business accounts are closed for unknown reason by Wells Fargo. When I asked the bank for a reason, they would not disclose the reason. I then tried to open the business accounts with XXXX and they closed accounts again for the same unknown reasons. XXXX closed my accounts in XX/XX/2022. I want to resolve whatever issue is going on so that I can fix this problem. I have businesses to run.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is as reminder to the Credit Bureuas that they have failed to comply with my requests to remove the fraudulent accounts and information completely from my Credit File! I am disappointed and I feel like the Credit Reporting Agencies are not doing their jobs and have grown negligent of their responsibilities. Let me remind the Credit bureaus that they are required to investigate and remove any fraudulent information from my Credit File under the Fair Credit Reporting Act section 605b. Also, the Credit Bureaus have been failing to respond to my dispute letters in a timely manner have been claiming that the items I am disputing are verified and accurate! This is a clear violation of my rights under the FCRA! My Identity was stolen and was used to open these accounts and file these information without my permission therefore these items I am disputing must be removed at all cost! Once again, I need the following items removed completely from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: OH
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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: FL
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 

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 response to consumer: Closed with explanation