BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-11-05
Company: National Credit Systems,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 here have verified that I pay off all that I owed, my balance appears at XXXX and aside here I have the letter that I send to the departments. 
My complaint ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Pro collect have called me numerous amounts of times even after i have asked them to not contact me.The calls are harassing and I wish they do not contact 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 2023-09-22
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: CO
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:
Absolutely discusted with XXXX XXXX and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc.. 
I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback

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 2021-06-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had made a complaint on Target red card last month and you reached out to them for me them they finally answered me, they asked me to fill out a fraud questionaire and i did and all they did was stop the collection department from calling me, it is still showing as if i own the credit card on my report and that i failed to pay, i didn't take out this credit card and i asked them to remove this from my 3 credit reports and its been 30 days and nothing has been done, it's still showing on my credit reports that its been closed by target and past due and that I am delinquent on the account for over a year, this is ruining my credit score and this is not even my credit card. I did not take this card out. I gave them everything they needed in a 24 hour turn around I want this removed off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 ComenityCapitalXXXX, XXXX XXXX XXXX, XXXX, OH XXXX, obtained a copy of my XXXX Credit Report fraudulently as I did not request any credit with this bank. 
XX/XX/2023 a new bank credit card reported to XXXX Credit File by ComenityCapitalXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2023 ComenityCapital/XXXXXXXX obtained a credit report from XXXX, fraudulently as I did not request any credit be established by this bank/or company. 
XX/XX/2023 XXXX XXXX XXXXXXXX Bank submitted an inquiry for credit report with XXXX, again fraudulently as I have not requested any credit with XXXX 
My credit report and information is now frozen on all three credit reporting agencies. I have filed a fraud/identity theft report with the FTC Federal Trade Commission on XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX website has been down for months, therefore you can not see your account ( i.e. transactions, applied payments, balances, etc. ) Forgot password method does not work and customer services response is always, We are experiencing trouble with the site. This has been the case for months. I asked for a mailed statement and there was one sheet of paper in envelope that was mailed, with no statement. I have no clue if something shady is going on with my account because I can not see it. Looking at reviews other customers are having same issue with payments not being applied. So far, I have been paying by phone which Im assuming it is being applied. Please help! This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Investigation took more than 30 days

Complaint:
on XXXX I sent a 3rd round of letters to all Credit Bureaus demanding to comply, investigate and delete inaccurate information that is finically costing me defamation. It is now 60 days later with no response and deletion of inaccurate results on my credit report I demand that all items be deleted due to the violation of the FCRA.

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 2023-02-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received monthly XXXX XXXX bill on XX/XX/XXXX for {$42.00}. Mailed payment on day received, XX/XX/XXXX. 
XXXX bill showed payment received on XXXX and stated due date was XX/XX/XXXX. I called around XX/XX/XXXX when I received monthly bill for a {$30.00} late fee. I told CSR that I had cut up the card and had mailed payment on the day it was received. I told them I couldn't understand why it took 13 days to process my payment. CSR said they would close the account and remove the {$30.00} late fee. 
Today, XX/XX/XXXX, I received a bill for {$60.00} for two consecutive late fees. I immediately called XXXX. XXXX and they said they could not do anything about it over the phone and it had to be reviewed by someone. I told the CSR that I was told in XXXX that the CSR said she was removing the {$30.00} late fee. I never carry a balance on this card and pay the balance every month. She said none of that matter and it was a system process that she had no control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My issue lies mainly with Experian. In XXXX Experian reported a, {$810.00} XXXX XXXX bill from XXXX, adding that the bill was discharged in bankruptcy. I have tried in vain to get Experian to remove this statement from my credit report. After a great deal of effort, I succeeded in speaking with a live person at XXXX XXXX, who admitted they could not report a debt discharged in bankruptcy and would correct and update this account. I have disputed this TWICE with Experian, but I only speak with customer service reps who live outside of the United States. They insist that they CAN report a debt that has been discharged in bankruptcy. This has caused two potential creditors for a loan I need for major home repair to decline credit, stating that Experian reports I have, or am about to file bankruptcy.

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 2020-08-17
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Union Bank, XXXX XXXX XXXX, XXXX XXXX, CA XXXX does not answer the phone. My bank can not get mortgage payoff information from them and suggested I try. I've been on hold for 1 hour, 15 minutes and counting. I find this unreasonable customer service. It is holding up my refinancing. Of course, they continue to get 4.5 % while I wait for them to answer the XXXX phone.

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 2022-12-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a text message that said my account was going to be 30 days late so I tried reaching out to XXXX. I replied to the text message, called the number listed on their site as well as sent messages on XXXX and XXXX. No one ever answered the phone nor called me back. Eventually someone from XXXX responded. During the time when I was trying to contact them I continued to try to get into my account but I was asked to verify my account and submit documents which I did. I was never able to get into the account. Several times I was asked to connect my account, I have all emails and text messages that indicate that my account was connected from my bank. I tried relentlessly to get into my account from XX/XX/XXXX up until I paid it off on XX/XX/22. They finally sent me a XXXX time link to make payment. To this day I have no access to the account. After telling me I was verified and fine they lock me out. I reset my password thinking thats the issue and NOTHING!! I cant get in to make a payment, see my account, or anything.which will reflect negatively on my credit. After several emails with their customer service staff I was finally sent the link to pay it off. A few days later they reported my account was 30 days late to XXXX and Experian. I have never been late. Payment was through auto draft. Someone would email me saying that my account should be ok and that I should log in again. I did everything I was told but still they report late payment do my credit bureaus. This is unacceptable and I want my credit report correct. This was not my fault that their app was not working. I have all emails and text messages do back up my claim. This is unethical and XXXX XXXX should be closed down. This is a very shady company. How can they report me late after I made payment?

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 2021-07-21
Company: PRESTIGE FINANCIAL SERVICES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I attempted to make an ATM transaction for {$200.00}. from The XXXX XXXX in XXXX Florida. The transaction was DECLINE as you can see from attached data sheets provided by BOA. However, the Hotel charged {$500.00} to my ATM card. I did not authorize this transaction nor does this transaction have any supporting data showing that money was dispensed from the machine. I disputed this ATM transaction with BOA on XX/XX/2021. However, I received notice from BOA indicating that I authorized the transaction. However, the documents that BOA sent does not show authorization nor confirmation that the ATM machine dispensed {$500.00}. Therefore, I filed a fraudulent charge with BOA saying that I did not authorize the transaction as the records indicate there is no authorization and no cash dispensed. However, BOA refuse to refund my money. Can you assist with getting my money refunded from BOA, who charged this amount to my checking amount. I am attaching supporting documentation, showing my initial transaction for {$200.00}. declined. The {$500.00}. amount has NO supporting transaction data which indicates that this amount is charged without my authorization. Any assistance that you can provide in resolving this matter is helpful. 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 2023-07-25
Company: Experian Information Solutions Inc.
State: NJ
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX 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 2022-04-04
Company: Block, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I attempted to add money to cashapp from my checking account this evening, as my cousin was stranded and needed funds utgently. I didn't do anything unusual. Cashapp locked my account because they said " we detected unusual activity ''. There was nothing unusual about anything I did. When I contacted them, the representative, probably a bot, said it would be 48 hours before my account would be unlocked. That is outrageous and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received notification through experian credit services that a collection was reported for XXXX dollars for tn chipd support. I have a cirrent income withholding order through my place of work and money is bwikg taking out per pay period for child support. I was not notified by Tennessee dhs xhild support that a past due amount was being considered to be filed on my credit report as not paid or up for collections. The IRS has already taken the amount which i was just notified but they still placed the account for collections wothout ever sending any notification of any kind giving me a chance to fix this issue before reporting negatively to the credit bureaus. I was not notified by law by TN stautes and it is unlawful. I want it removed asap!

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

XXXX XXXX : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , Transunion and XXXX . I have not heard anything back about these negative inquiries are derogatory creditors.

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 2022-04-04
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:
ATTN Fraud Department : Remove fraudulent accounts from 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 non-monetary relief