BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: Bread Financial Holdings, Inc.
State: CA
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:
Was contacted by company stating I was past due on payment. Notified them that I have not used card since previous one expired in 2020. I had never received another card nor activated one. The person I spoke with would not listen as I explained I have made no charges and kept interrupting me to ask for a payment. I again explained that these are not my charges but again was told to make a payment as if they were reading off a script and not listening to me. I will not make payments on charges that are not mine on a card I have NEVER received and NEVER activated. And I didn't even hear from this bank until months after they claim there were charges. Plus this is a different bank then the one from when I originally opened the account. I refuse to pay charges that are not mine and this is a TERRIBLE company that will not listen when I explain these are not my charges. I've had impeccable credit & would have no reason to randomly jeopardize it now but I will not be bullied by horrible companies with no customer service demanding payment from me on unauthorized charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Barclays closed all 5 of my cards back in XXXX and didnt give a real reason why. They told me reapply for those 5 cards which i did That was back in XXXX Its XXXX and its still in pending Ive sent them every single document they have asked for -Drivers license front and back -social security front and back -bank statement All of them passed verification but the social security card XXXX I was told it was hard to read since it was faxed. 

So i resent did all the copies overnight mail TWICE and out of all the documents once again they said all the documents are good but the social security. 

Im confused because its literally my social security card and signed by me.

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 2023-01-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I originally purchased a phone from XXXX being told it was a free phone with purchase of a plan but because I was XXXX and had no credit I had to make a down payment. After the phone was paid off with credits I was supposed to receive check for reimbursement, that phone broke but I had XXXX XXXX, and sent the phone back. And they had sent a new phone. I had even received a confirmation voice mail. Then when I went to pay my bill I seen that I had been billed for the phone. I called them immediately and they kept pushing me to pay the plan part of my bill and theyll try to figure that out later. But I kept calling and all they did was transfer me back and forth and keep me on hold for hours. Theyre charging me for a phone they owe me money for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 have a account named XXXX  under account number XXXX being reported by both XXXX and Equifax. Both accounts have been disputed by me to XXXX  and Equifax and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - XXXX  report shows high balance as XXXX and Equifax shows high balance as XXXX. Two ( XXXX ) - XXXX  report shows date of last activity as XXXX and Equifax shows date of last activity as XXXX. XXXX ( XXXX ) - XXXX  report shows date of last payment as XXXX and Equifax report shows date of last payment as XXXX. XXXX ( XXXX ) - XXXX  report shows last payment made was on XXXX. Contrary, in or on same XXXX  report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. XXXX ( XXXX ) - Equifax report shows last payment made was on XXXX. Contrary, in or on same Equifax report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! XXXX ( XXXX ) - XXXX  report says XXXX was paid/ o.k.. Equifax report says XX/XX/ was 30 days late. Both can't be correct. XXXX ( XXXX ) - XXXX  report shows XX/XX/ as 30 days late and Equifax report shows XX/XX/ as 60 days late. Both can't be correct also! Both reports show XXXX errors that can't be verified by XXXX or Equifax as true or correct when both reports differ greatly and have such a high amount of errors for dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by a late payment reported on my BARCLAYS BANK DELAWARE account. They are being completely unfair and I dont know how to get ahold on them but through this portal. 
By the end of XXXX, I Had travelled to TX after renting car to see my wife during Covid. I was stuck there since my wife fell XXXX Later I tried a few times to make payments but would be on hold forever and I had limited internet access and didnt have access to mail. 

I got a {$10.00} charge, a {$30.00} late fee, and a 30 days late payment for XXXX on my report. 

I want to express that beside the XXXX  situation, I have suffered a big impact in my credit score and I have lived one of the worst periods of my life. 
since this was a situation that I could not control. It was my wife XXXX, the limited internet access and the emotional stress that I was going through that stopped me from making my payment, not a hardship or even worse, that I didn't want to pay. 
I requesting the late payment removed the following account : Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Opened Date : XX/XX/2015 High Balance : {$1200.00} Balance {$42.00} Please sed the attached proof of car rental. 

Thank you.

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 2022-09-18
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Eos CCa purchased the debt from XXXX XXXX in the amount of XXXX when my account was charged off to XXXX XXXX. I sent Eos CCA the following documents 1099A 1096 intent to lien and notice of default opp to cure. my 1099a was recieved and accepted by the iRS on XX/XX/2021. I contacted Eos CCA about the account and told them to send me in writing the account was closed and i did not owe them any money. I contacted XXXX XXXX to verify that my account was charged -off with them and the EOS CCA owns the debt outright. I contacted them several times and they keep giving me the roun around for a full year. 

I should have filed a complaint sooner but i wasn'nt sure were to go to file it i had to to my research. I also liened XXXX XXXX and Eos CCa for the amount plus interist they claimed that i owed them for Because I submitted a 1099A along with the documents i just mentioned. 

Eos CCA closed my account and verbally said that i did not owe them any money. 


i want a letter in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Tuesday, XX/XX/22 I contact Bank of America regarding multiple fraudulent charges on my checking account in the amount of {$1500.00}. A new debit card has been issued on the account and sent to a entirely different state then my state of residence. The person receiving the card bought groceries then made 5 ATM Withdrawals to drain the account down to {$7.00} and some change. A fraud claim was filed and I was informed that a provisional credit should be issued within 3 to 4 business days. I called today, XX/XX/22 to check the status of the claim and to make sure that multiple bank fees stemming from this fraud would be credited as well. I was told by the person I spoke to that it will be up to 10 business days to see a provisional credit on the charges. An hardship escalation was offered and requested by the rep but this will take 1 to 4 days to process. 

Bank of America has been very misleading about how long this process takes to resolve and get access to my funds back.

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 monetary relief
Consumer complaint received 2022-09-18
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inquiries and Personal Info : I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to contact "Experian" through several phone calls and every number I come up with to try are all automated recordings. There is no option to speak with a live person. I am not able to login to my online account with them even after changing my password in order to do so. It keeps giving me a message to call a certain number and it is all automated. This is very frustrating for me and I don't know what else to do to get this issue resolved. Thank youXXXX 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 2023-06-09
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine, this was my husband and we are divorced. This debt has been deemed his full responsibility. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, my child received a text from Wells Fargo asking if a charge was fradulent. It, in fact, was, and we responded accordingly. Wells Fargo cancelled the debit card, said a new one was in the mail, and asked my child if he wanted the new number updated in his phone 's apple pay. My child said yes because he was on a trip and had no other card. 
on XX/XX/XXXX, over {$5000.00} was taken out of my child 's account through transactions in the XXXX. ( my child was in the US at the time ) He did not authorize any approvals and did not even have the account number of his new debit card. We called Wells Fargo and they cancelled his card and reissued yet another card. We did not update the XXXX XXXX capability and changed all system passwords. They said it would be 10 business days to received a response and return the money back in the account. Later that day, they called us back on the 15th and asked us if we had called Wells Fargo from a number that was not associated with our account. We said " no '' and they said " it is likely that your Wells Fargo account has been infiltrated and someone has your account number '' they closed the previous account and opened a new one. We did not give anyone passwords or click on any kind of phishing scam. We waited ten days with no response regarding the claim. I called up after ten days and received a response that " all charges were approved '' and the bank determined there was no unapproved charges by us. Even though they had contacted us regarding fraud twice in two days and had not done anything to resolve the situation appropriately.

Now they will not tell us why they denied our claim, how someone hacked into the wells fargo website, nor how they think this is not something they are liable for. I have spent almost 20 hours dealing with Wells Fargo and have received virtually no logical answer and have been told that my case is closed and no one will look at it again, respond to my questions, or address in the future.

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 monetary relief
Consumer complaint received 2020-12-23
Company: Phoenix Financial Services LLC
State: TX
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:
Phoenix Financial Services is reporting a fraudulent account XXXX that is ruining my credit. I have already filed a complaint which was answered by Phoenix Financial Services stating that no account was found and include the account # and my social. The last four of my social security number is XXXX and account number is XXXX as it is showing on my XXXX credit report. This account is not mine and I disputed this same account under a different collection agency in XXXX and it was blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: AL
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 made a payment within 30 days, and XXXX reported to credit report agencies negatively that I did not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX ( XXXX XXXX ) went out of business and file bankruptcy. We are no longer paying XXXX XXXX as listed on credit report. Dispute file with Credit Bureau. 

Account # XXXX {$29000.00} Account # XXXX {$25000.00} Account # XXXX {$6800.00} Account # XXXX {$3200.00} Company address : XXXX XXXX XXXX XXXX, TN 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 2023-01-02
Company: EQUIFAX, INC.
State: MO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation