BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am writing to you today because every month, my credit score dips roughly a number of points as a result of a misunderstanding between me and Comenity BankXXXX XXXX Credit Card XXXX 

In XXXX of XXXX  I opened a XXXX XXXX credit card at a store in XXXX, Illinois and purchased a pair of boots as well as sunglasses. These were to be shipped to my home address in XXXX XXXX. 

I never received the package, so I didnt pay for purchases on the credit card. There was a triangular conversation happening between myself, my apartment building and the delivery service. I later learned that the package was either lost or ( most likely as this happened to others ) stolen from my apartment doorstep. I also was not receiving mail nor did I receive a physical J Crew card with which to set up an online account. At this point in XXXX, I called and let XXXX XXXX know while simultaneously making a payment for my sunglasses which I purchased and received. In the meantime, unbeknownst to me Id been hit with a late charge despite having not received the package. And keep in mind that I am also not receiving email or physical mail at this point- or phone calls! So completely in the dark, I am getting charged late fees on an order that never arrived. 

Fast forward to today and I have a hefty bill full of late fees ( no principal because no order was received ) but even worse I have a suffering credit score. My score sits at XXXX and continues to take hits as a result of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I notice fraudulent charges appearing on my AMEX card I reported 2 instances already and this is the third instance This time I notice {$200.00} charged and rolled back on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I recently received a copy of my consumer report for the first time in a long time and noticed that XXXX, XXXX, and Transunion are in violation of the Gramm Leach Bliley Act. The companies that are furnishing reports for them have already had a FTC report filed for failure to disclose the privacy notice in accordance with the GLBA and I had no idea that these companies would be reporting my transactions and experiences with them to a 3rd party on top of the fact that transactions and experiences aren't even included in a consumer report pursuant to 15 U.S. Code 1681d ( 2 ) ( A ) ( i ). I was never disclosed that this would happen with these companies and forsure did not get a paper giving me, the consumer, the opt out option for these situations. 

Accounts XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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.

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: CURO Intermediate Holdings
State: NV
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Last XXXX I realized I never got my third stimulus check. I called the IRS, after a failed attempt of my own to track it down so they could start a trace. I was using OPT+ as my bank card. They have since closed their US market with no forwarding contact information. I called the bank they used as their middleman, Axiom, I was given a phone number, its no longer in service. I then called OptPlus XXXX offices and was given an e-mail address ; I was told that's the only way you can contact them ; I emailed them on XX/XX/XXXX and have not heard back. They are not answering the IRS inquiries either. 

I don't have my old card number but I do have the routing number and my account number that I was given by the IRS. 

Routing Number XXXX Acct. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/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 2023-02-10
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 federal protected consumer rights to privacy under 15 usc 1681. 

XXXX name XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX XXXX XXXX # XXXX XXXX name XXXX XXXX XXXX # XXXX XXXX NAME XXXX XXXX  NAME 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 section2 : it also states a consumer reporting agency Connot 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, other than records of than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1861s-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 accurate.

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: CONTRACT RESOLVE GROUP LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX XXXX with Contract Resolve Group has contacted me several times via telephone and email after I requested that he only contact me via XXXX mail. He also called my elderly mother on her cell phone, disclosing the details of my debt and saying he would turn me into the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. the INQUIRES listed below in the SECOND paragraph have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The Following inquiries are unauthorized. 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
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion is reporting injuries that I have reported has fraud ; I have a fraud alert and my report is supposed to be frozen, so are are injuries keep popping up on my credit report. XXXX - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX ; XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They are FRAUD so they should be REMOVE

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 2023-03-06
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was reached by XXXX XXXX XXXX agency who are located in XXXX XXXX, XXXX who is trying to collect debt from me. I did my due diligence and came to find out that according to XXXX consumer access this collection agency is not licensed to collect debt in XXXX  I am a very concerned consumer and want only true information. Please remove the item from my credit as you are in violation.

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 2023-07-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Late XXXX I opened a Venmo account to assist my small business with customers transactions to make it easier and also more convenient. 

Early XXXX I received an email stating my account has been frozen. I was confused because I had a balance of {$430.00} and was in the process of transferring that money into my debit card. I have never had this issue before with Venmo. Yes, I had previously transferred funds into the SAME debit card and was always consistent. 

I have reached out to Venmo everyday this week & my account is still frozen with MY money being held. I didnt violate and terms or agreements with Venmo because I spoke to numerous agents stating how uncertain they are why my account is frozen. 

Since then, I have read so many similar stories and scenarios like mine & how stressful this situation can be. Something needs to be done immediately because my funds are no longer mine right now. I want to close this account and receive my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-21
Company: Credit Karma, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Credit KarmaXXXX XXXX sent me multiple emails stating offers to refinance my current auto loan for lower rate. They listed several offers with ALL of my current loan and credit information. Age of vehicle, current lender, current loan balance, how many payments I have already made, vehicle mileage. My credit scores. Everything was already on thier site! All I had to do was select which one I wanted to go with. I did select one that would lower my current rate by approx XXXX %. I filled out the loan questionaire. They sent me " congratulations your loan is approved! '' call us email. They then proceeded to tell me the rate would be much higher than my current rate, but they would be able to lower my payments by refinancing at a longer rate.?? Not interested!! It was a complete " Bait and Switch '' operation. A total waste of time for me. They also did a hard inquiry to my credit reports and my credit rating have dropped XXXX points because of this. My credit score is almost XXXX! Between Credit Karma and XXXX XXXX they had every possible piece of information to make a decision before I even clicked yes I was interested. I also found out that Credit Karma was sued for {$3.00} Million by the FTC for same type of practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit acceptance used my personal information for credit transactions without my authorization, which result in a hard inquiry on my credit report. 
Date of inquiry XX/XX/2021 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 2023-05-12
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi advertises the ability to transfer XXXX  Points to airline partners such as XXXX XXXX. When I have attempted to use this feature for the last 5 days, it fails with an unhelpful error message : " When we tried to complete your Points Transfer, we encountered a system error. Please try again or contact Customer Service for help. '' I have attempted to transfer points from Citi to other transfer partners, but none of them have been successful. 

I have contacted Citi Customer Service more than 10 times about this error both via different customer service lines and their online chat. Citi has not explained or fixed the problem, instead stating that the issue must be the transfer partner, though I have called the transfer partners to confirm all is acceptable on their end. I know that other Citi customers are able to use this feature. I request that Citi 's senior management investigate and repair my individual account and notify me, in writing, when I can make a transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is not a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. 
In accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States, I have a 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. 

Account Name : XXXX XXXX Account Name : 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 2023-07-25
Company: WELLS FARGO & COMPANY
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:
Reference Case number : XXXX Account number ending in:XXXX Closed Charged off. I received a letter dated XXXX XXXX, 2022 from Wells Fargo XXXX XXXX XXXX. This letter was pertaining to fees that were charged per the letter " when a restraint was present on the account. Per the letter, " the restraint may have prevented deposits to and/withdrawals from the account ''. Per the letter, " As a result we ( Wells Fargo ) are enclosing a check for {$730.00}. The letter had a contact number that I called in between XXXX XXXX XXXX. I spoke with XXXX at XXXX ( XXXX ), she directed me to call Wells Fargo at XXXX, I spoke with XXXX XXXX Wells Fargo customer service agent ), he offered me an additional {$500.00} for the inconvenience, but I declined. Wells Fargo incorrectly reported that the closed checking account ending in XXXX with a balance owed, thus, damaging my Credit History. I believe that I am entitled to relief, for each Bureau ( consumer reporting agency ), minimum of { {$1000.00} } per violation and because their action caused adverse action as it pertains to employment and my way of life, I ampunitive damages due to gross negligence. I have spoken to a number of XXXX Office Case Specialists. This is also Breach of their privacy policy as the incorrect information was reported to XXXX XXXX XXXX XXXX XXXX ) consumer reporting agency and caused adverse effects. I would also like to file a complaint to XXXX  ( XXXX XXXX XXXX  ) for reporting incorrect information within my public profile. I have attached both adverse effect letters from the creditor. I ask that the CFPB levy a substantial fine against Wells Fargo and satisfy the open invoice as it relates to my research of this claim.Both Wells Fargo & Company along with XXXX XXXX XXXX XXXX XXXX ) have violated my rights- In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
see attached

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 2023-02-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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