BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to both XXXX and XXXX, the credit card provider, Comenity Bank, has not updated either credit bureau with accurate balance and payment information since XXXX of 2022. The existing balance is adversely affecting my credit score. The current balance on this card is {$1.00} ( XXXX XXXX XXXX XXXX XXXX  ). I requested that the company update both credit bureaus and received the following email : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : Comenity Bank Sent : Wednesday, XX/XX/2022, XXXX XXXX  ( ET ) To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your XXXX  account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXX XXXX. I'm here to help with your account needs. 

We recognize that you've recently made a payment, but it is not reported to the credit bureaus. I understand how this can be frustrating for you. 
Because of a recent system update, we are not reporting account updates to credit bureaus while our processes get aligned for accuracy. We have our customers ' best interest in mind, and will soon resume our standard practice of providing updated account information to the consumer reporting agencies with each account billing. 

On behalf of the bank, I apologize for the inconvenience. 

If you have any questions, please click the reply button. 


Sincerely, R.A Internet Customer Care Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The balance they last reported represents XXXX XXXX of my total credit line and is causing irreparable damage to my credit score prohibiting me from securing new credit lines at the best possible rates. 

I have filed disputes with both XXXX and XXXX. 

The inaction of this company to rectify this situation, and to provide such a trite response with no offer of resolution to the damage they are causing is egregious. And the financial damage they are inflicting to me is certainly affecting other consumers as well and could be basis for a class action or other punitive damages. 

I would like this company to rectify my credit reporting immediately, and I urge the CFPB to investigate other consumers that are suffering the same damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00}

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 explanation
Consumer complaint received 2023-09-02
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: Old information reappears or never goes away

Complaint:
I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't Experian know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and 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 2021-02-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Collections submitted a item on my credit report from an original company by the name of XXXX XXXX XXXX for the amount of {$270.00}. I've had health insurance coverage for over 10 years ( XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX ) with no lapse or any issues. I never receive any form of communication from the medical professionals that I've seen nor communication from this company in regards to this outstanding debt which I firmly believe is fraud. During this pandemic it seem to be a lot of fraudulent activities and I believe I am a victim of this horrible activity. I've disputed with all the credit bureaus and the results have not changed nor removed from my credit report. I am asking for any assistance in this matter will be greatly appreciated. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out and here is the Tracking # XXXX According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information.

They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: Incomm Holdings Inc.
State: NY
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a vanilla gift card as a gift. It was for {$30.00}. The card numbers are not readable on the front so therefore I cant activate it. When I called customer service. They told me there is nothing they can do for me. This outrageous and theft. They are stealing peoples money. There are numerous other identifying numbers on the back of the card. There has to be a way for me to use this gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 is 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 2021-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery A at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had an account with Huntington Bank for the past six months. However, I recently noticed some unauthorized charges on my debit card. I lost my card, Phone & backpack but even after locking it and traveling to XXXX, a transaction was posted, and my money was taken. XXXX I filed a dispute for {$500.00} + {$500.00} = {$1000.00} ( XXXX  and XXXX XXXX ) XXXX I was informed that I would receive a provisional credit within one business day, and if I didn't, I should contact the dispute team. Unfortunately, I didn't receive the credit today, and now the dispute team is saying it could take up to 10 business days. now they are saying they have denied the case as for the transaction they sent me a text message and there was approval from the phone. My question is when I lost the phone, card, and laptop then how can I reply yes, why I should suffer an unauthorized charge from my account? Please help me get my money back as soon as possible. I have to pay my son 's hospital bill by tomorrow. 
Even I have testimony for the other 3 people with whom I went to XXXX  as well and you can contact the US and XXXX  border protection. they have my entry exit details. 
My account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: Foris DAX, Inc.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I wanted to create a credit card ( prepaid / debit ) from crypto.com and they have this process where you have to stake their own cryptocurrency for a period of 6 months. Since that period is somewhat long, I wanted to make sure that I will receive the card so that at least my staking is worth it. 

I live in XXXX XXXX and I wanted to make sure that crypto.com supports XXXX XXXX and I will receive my card. So I spoke to the customer support via live chat and asked them the exact same question that if I will be able to receive my card in XXXX XXXX or not. 

I was told by the customer support team that I will in fact be able to get my card and that XXXX XXXX is supported. Based on that I went ahead and staked {$400.00} worth of their crypto currency to apply for the card. 

Upon completing the staking process, I got a message saying " Thank you for your interest and support. We are working hard to bring Crypto.com XXXX XXXX to your market. We will notify you when there is a status update. '' So I contacted the customer service again where I was told that XXXX XXXX is not supported and they were sorry for the misinformation from their team member. 

When I asked them to unstake my amount and refund me the money, I was told that its not possible and I will be only able to get that after the 6 months staking period. 

I don't understand why when I asked I was lied to, then why can't I receive my money back when the company can't deliver on what they promised ( even after taking their confirmation before proceeding ) Upon searching online, I found out that there are many poor people who are stuck in my exact position with some even paying {$40000.00} ( based on card tiers, from {$400.00} - XXXX ) I have attached the screenshots of the chat history as evidence for this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon reviewing my consumer report, I see that XXXX XXXX has flagged an account on my consumer report as a charge-off. The IRS requires XXXX XXXX to send me a 1099C by XX/XX/XXXX. This charge-off is considered earned income, and I will have to file a 1099C on my tax return. Therefore, the account status has been changed to earned income. My consumer report should not contain information regarding my income. This account violates accuracy of report. Additionally, the account has been reported as having late payments incorrectly and inaccurately by different bureaus. I would appreciate your investigation into this matter.

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 2023-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I noticed my balance was very low. Called the card and had my XXXXnauthorized purchases. I called to dispute and the worker said there were XXXX transactions of XXXX all from online. Said XXXX more were pending so call back in a few days. Called back XXXX XX/XX/XXXX opened dispute. Also noticed there were charges as far back as XXXX. Other cou tries, states. Filed a police report and waited.on XX/XX/XXXX I called and the worker said I was approved to call back in 3-5 hours. Call back and new worker says denied? That upper management would take a look but decision is final? How am I suppose to live? This money is suppose to be fdic insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: AMERICAN EXPRESS COMPANY
State: CA
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 am writing to urgently seek the Consumer Financial Protection Bureau 's intervention concerning severe discrepancies in my credit report, which have gravely impacted my financial well-being and threaten the stability of my family. 

Background : I have identified inaccurate and potentially fraudulent reporting by certain creditors in collaboration with credit bureaus XXXX and XXXX. Despite presenting substantial evidence of these discrepancies, the negative accounts persist on my credit report, obstructing my ability to secure a home loan at a pivotal rate. 

Please see the attached supporting documents for all details relating to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  wrote this loan off in XX/XX/XXXX Since then they have continued to add accrued interest and fees to the loan increasing the balance and continue to report as new activity each month even though it reflects a date of last activity from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX  # XXXX the dates were XXXX. My SANTANDER CONSUMER USA # XXXX the dates were XXXX, XXXX - XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
After funds were transferred via ach, i am not allowed access to them. Funds were deposited on XX/XX/2021 and i recieve only automated email response from support email. 
Phone number only directs to support forum which directs to email again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I couldn't open an saving and checking account.

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 2020-11-10
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX # XXXX, TX XXXXXXXXTo whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. On XX/XX/2020, I retrieved a copy of my credit report on XXXX and discovered an inquiry that I have no knowledge of that it would hit my credit. I was told that as long as the application is within 30 days of each other on a mortgage loan that I would ONLY have 1 hard inquiry. I did apply for credit with XXXX XXXX on XX/XX/2020 and was approved, that was 14 days before XXXX/Quicken Loans on XX/XX/2020. I have also reached out asking that they remove the inquiry from my credit profile. Per XXXX XXXX with Quicken Loans they do not have the ability to remove the inquiry that was falsely reported. I am purchasinga home and this inquirydropped my score over 15 points at all XXXX, XXXX, XXXX. 
I asked the operator on the chat to remove the hard inquiry, along with all my information. Your company should ask before pulling someone's credit and potentiallyaffecting the chance of homeownership, if that person has any bankruptcies or anything on their credit that could hinder an approval instead of asking for my SS, DOB and name.Please launch an investigation into the Quicken Loan inquiry todetermine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Quicken Loan is able to prove that the inquiry is indeed valid, and is not in violation of the law, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Please remove ASAP. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation