BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with XXXX  for XXXX  credit, I been 24 months making my payments even with the pandemic that sometimes was very hard to pay, I was making my payments on time. in the last month, I call the company I make a XXXX dollar payment leaving XXXX more in balance I request an extension to make the final payment before the interest deferred expire, the costumer services answer me the phone told me if I can't make the whole payment the credit card will charge an interest for the balance remaining, unfortunately, I loose my job after 9 years working in the company, am an XXXX  right now also I request the mortgage company to help me with the payments in this hard situation, I trie to spoke to the manager from XXXX credit card, I explain the situation and I let them now that one of their agent give me a wrong information about the interest fee. they don't care and they don't show any consideration and charge me more than {$2500.00} interest fee in my account. I need help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a Chase XXXX branded credit card. While XXXX several fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. 
They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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.

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 2019-01-11
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX and was sold to Flagstar. I tried to process my first payment with them and typed in the wrong account number which made my payment not go through. I never received an email or phone call saying I missed a payment and when I went to go pay the next months mortgage payment it said I had late fees and wasn't paid. I called Flagstar and the customer service representative was very rude to me and asked me " If I would like to keep my home? '' and ; " just wanted to know if you wanted to keep my home? ". When I asked about the late fee, he stated " it wasn't a late fee but an insufficient funds fee. '' Federal Law states that I have a 60day grace period before late fees are charged.

I don't believe I should be charged any additional fee 's regardless of what they wish to call them to subvert the law given that I never received notice of the missed payment and I am attempting to fulfill my payment obligations in full.

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 2023-05-07
Company: EQUIFAX, INC.
State: CA
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:
There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXEQ ). I have reached out to all creditors and 3 bureaus and all give me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} 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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX. 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 if 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 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 2022-05-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Experian requires one to establish an account to access the legally mandated free credit reports previously accessible through the web without an account. I am now getting multiple marketing emails per day to upsell their services - " dark web scans, credit alerts, financial profile, etc. etc. '' There is NO way to opt out of these blatant marketing emails- in the emails Experian says that I will continue to receive emails " like this one about the status of my account. '' These are not account status emails. My account has not changed, I am not interested in the upselling, this is an obvious attempt to get around opt out policies, and people with less awareness about what is happening are going to fall prey to this company 's tactics. Please request that they fix this... 

Here is the quote from the emails : " You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. '' And here is the subject of the same email : '' xxx, your Dark Web scan is available ''

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 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter on XXXX XXXX XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XXXX XXXX  Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Bankruptcy Reference # XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX  Bankruptcy Reference # XXXX Asset Amount : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX  XXXX XXXX Balance : {$30000.00} XXXX XXXX  XXXX XXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$40000.00} XXXX  XXXX Balance : {$30000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Regions bank whereby the subject property has been occupied by a Tenant since XXXX of XXXX. As per the terms of the XXXX agreement with the tenant ACH drafts are authorized to be made each XXXX Thus, Rent payments have been drafted from Tenants bank account at XXXX and applied directly to mortgage payments at Regions Bank since the inception of the XXXX. 

I recently received notice from Regions Bank of default whereby Regions unilaterally returned XXXX XXXX of mortgage payments to Tenant 's bank at XXXX and classified the reversal on my account as a " misapplication reversal. '' On XX/XX/XXXX, I spoke with XXXX and XXXX at Regions Bank in the collections department ( neither gave their last name ). I advised of potential fraud on my account and the situation. The explanation I received is " for any reason and at any time if Regions receives a request to return money they have to honor it. '' I requested a copy of this policy and Regions has failed to provide it. 

The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and Regions followed through with a refund of these payments without my knowledge or approval.

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 2022-05-30
Company: KLS Financial Services, 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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 an account without my written consent. 

XXXX saw this error and deleted the accounts in XX/XX/2020!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are multiple inquiries on my account that I did not authorize. I should only have XXXX from XXXX as that is the only account I have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Ameritech Financial
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by Ameritech in XX/XX/XXXX. They explained that they were affiliated with the federal government relief program for people who are struggling to repay their student loans. They continued to state that I could pay a lower payment for a specific amount of time and my debt would be relieved by the government. Ameritech sent paperwork giving them permission to communicate with my loan lender XXXX, my income, household size, and the terms of my loan. They clearly stated, that the money would go toward my student loan. Ameritech set up an automatic payment from my bank account on the XXXX of each month for the past 27 months. When I contacted XXXX they discussed with me that they had NOT received any of my monthly payments. The payment of $ XXXX/month that I was led to believe was being received to my loan provider XXXX was not the case. When I contacted Ameritech after receiving a letter from the trade commissioner they revealed that in fact, the money I was paying was for their services and not my student loan. At that point, I contacted and closed my " account '' with Ameritech. I also spoke to XXXX and changed all of my contact information as such to eliminate any more wrong doings with my student loan so Ameritech would no longer be able to access my account. I payed Ameritech for 27 months totaling {$2700.00}. XXXX did not receive any payments toward my student loan from XX/XX/XXXX through XX/XX/XXXX. I feel that I was deceived by Ameritech and I would like restitution for the money I paid them.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a statement in XXXX that stated the closing date for that billing period was XX/XX/XXXX. The statement indicated ( highlighted in red ) on the first page that I must pay a balance of {$2000.00} by XX/XX/XXXX or any remaining balance would be assessed interest at the standard purchase APR. On XX/XX/XXXX I paid {$210.00}. On XX/XX/XXXX, I paid {$1800.00} for a total payment on the account of {$2100.00}. This is above and beyond the clearly stated amount of {$2000.00} noted on the XX/XX/XXXX statement. Upon receiving my XX/XX/XXXX statement I noted an interest charge of {$2.00}. What this shady bank did was charge me standard purchase XXXX for charges that posted ON and AFTER XX/XX/XXXX that were not paid off by my payment on XX/XX/XXXX ( some posted as of the date of XX/XX/XXXX through XX/XX/XXXX ). There is no way, I, as a consumer, would know that I was being charged interest for NEW charges in the current billing cycle because of a promo that stupidly ended in the middle of a statement cycle. Any charges that posted to my account from XXXX that XXXX is attempting to claim fall under the " promotional '' period is predatory. I want my {$2.00} refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked the 3 major credit agencies to verify the information on the accounts listed on the attached 2 letters. XXXX removed all the same accounts because the information could not be verified. TransUnion and XXXX have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. TransUnion and XXXX just ignore sending me what they are required to 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 non-monetary relief
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me 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 explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked the XXXX major credit agencies to verify the information on the accounts listed on the attached XXXX letters. XXXX removed all the same accounts because the information could not be verified. XXXX and Experian have told me after multiple letters the information is verified, but will not send me any detailed information on each investigation. XXXX and Experian just ignore sending me what they are required to 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