BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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 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 2023-08-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax will not remove hard inquiries on my credit report and won't remove fraudulent opened credit card in my name that is now in bad standing on my report. I am a victim of identity theft from XXXX major security breaches including the major security breach from Equifax. I have put a fraud alert on my credit file report and a security freeze on my file as well. Although I had to temporarily unfreeze because iam applying to rent an apartment. I have disputed and disputed and they still won't remove the fraudulent items on my report. They say that these inquiries are intfact factual and I'm positive they are infact factual but Not by me and not because I gave my consent, they are factual because someone who stole my identity gave there consent. Please I beg you make them do the right thing and remove the negative items off my report. Thank you! 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter by mail from American Coradius International LLC stating that my XXXX balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: LA
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 filed a complaint about XXXX XXXX XXXX account. They responded with a copy of a bill or lease agreement with handwriting thats not my handwriting and they dont have a copy of the identification of the individual that signed the lease. This is a fraud account and XXXX NEEDS TO PROVIDE PHOTO IDENTIFICATION OF THE PERSON WHO SIGNED THE LEASE and if they cant the account needs to be removed and blocked

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 2023-04-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 can not fumnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : XXXX states a consumer reporting agency car furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for a purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We suffered a XXXX at a rental property, unfortunately the mortgage holder is OCWEN. We had difficulties with this company for payments miss-applied before. This time, they are holding the funds that are needed to pay for the repairs and adding more requirements to release the funds. I am forced to borrow money to pay the contractor doing the work. One such requirement was an inspection at the end of the repairs, now they are changing that to an inspection at XXXX %. We already completed XXXX % and they are still requesting documents before they schedule an inspection that was not agreed on nor communicated clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is my second complaint to Consumer Finance Bureau for the same issue. The issue fell through cracks the first time and no one closed the issue on Consumer Finance Bureau or Navient side even though Consumer Finance Bureau did contact Navient. 
The last payment I made on Navients Smart Option Loan was on XX/XX/XXXX for {$91.00} and in XXXX, the balance on the loan was {$5600.00}. I stopped making payment on the loan because I did not remember signing any agreement for it. The loan did not add up to my total calculations of other loans. I was XXXX  and XXXX  from XXXX to XXXX. It has been 7 years and the loan has passed statute of limitations still I get harassing calls and letters asking for money. The loan has been removed from my credit report but still Navient has put it under delinquency so it still shows up on Navient website and it shows up when I try to sign a lease for an apartment. I have to rely on others because this shows up on the credit report even though Im unable to see it. It has ballooned to {$7200.00}. I do not have any money to pay this loans and with COVID-19, I have lost my second job so Im struggling to make ends meet. Navient is breaking the law by harassing me through multiple collection agencies for recovery of a loan which is not even real and has passed statute of limitations. One of the collection agencies told me to become a XXXX and make payments for this loans. If I pay this loan, the total interest I would pay would be 26 % and they continue to increase this number. Please I beg for this loan to be removed. I have been making diligent payments on my other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions 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:
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

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 2020-03-30
Company: GVA Holdings, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
It started on XX/XX/XXXX! They took out {$370.00} for the first payment and after its every other week! The interst is so high that it is not fair to the comsumer! They are also using a retail name that they are not associtated with!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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 XXXX XXXX and I am submitting this Complaint with the help of the CFPB to dispute the fraudulent items I found being reported on my Credit File. Upon reviewing my records, I have come across several accounts and information that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I kindly request the Credit Bureausr assistance in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureausr legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from my credit file.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Reached out all three Credit Bureaus several times on this matter, no one wants to help me with these items listed 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 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 2017-07-19
Company: EQUIFAX, 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:
My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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:
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 1692C These companies below have continued to try an collect a debt that I have no knowledge of and I am protected under certain laws to not respond and to not also give them any money. I've recently filed complaints with the XXXX and my local attorney general office against all of these companies because it is impacting my credit in a negatively way and I get denied for things I should be getting approved for. They reported to XXXX, Experian and XXXX XXXX XXXX XXXX XX/XX/2023 {$870.00} XXXX XXXX XXXX XX/XX/2023 {$570.00} XXXX XXXX XXXX XXXX. XX/XX/2023 {$2000.00}

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 2023-02-02
Company: Experian Information Solutions Inc.
State: VA
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 following : XXXX XXXX XXXX  - account ending in # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights 15 U.S.C 1681 section 602 A states : I have the right to privacy. 15 U.S.C 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 non-monetary relief
Consumer complaint received 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
i made payment through my bank account that clearly says posted and then paid with conformation number and a couple days later it says payment adjusted.The first time they said my account was invalid and its not then the second time they reversed it they said it was my bank account issues.I dont have bank account issues the funds are there the payments are going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not give consent to have a report of collection on my credit report. I've never received a validation notice. Or my right to dispute the validation notice with my attorney via letter to litigate. I'm XXXX. it's been XXXX years since XXXX  XXXX. My address is verifiable with usps and hasn't changed in XXXX plus months. I meet the govt help for affordable connectivity program from XXXX income. The account needs to been closed and removed like every thing else has been. 

I can't handwrite and rely on dshs and my attorneys.

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 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Hi my name is XXXX XXXX I currently am a resident of North Carolina. During the Covid pandemic lockdown and mandated curfews put in place by our President and local authorities. So at that time I had been a small business owner for over ten years and at no fault of my own in order to do what our government said I filed for unemployment for the first in my life and I asked for my funds to be placed into my personal checking account but for some reason my NC unemployment was placed on the prepaid Bank of America card. There were some a few times that I didnt recognize the transactions on the card so when I called to ask questions about the transactions the employees of BOA filed dispute. With that getting resolved with no warning the bank froze my account and took it negative over {$4000.00}. The refused to tell me anything or release my money from unemployment during the pandemic! My power was disconnected in XXXX of 2020 where because of that my landlord evicted me and my son. Now since then I have a mountain of debt and late charges that are on my credit and I still am finghting with BOA TO RECIEVE MY MONEY OR ANY TYPE OF RESTITUTION!! When they do give me a little tiny bit of my money they make me wait 30 to 45 days to issue a check! Its absurd! How is this fair for us working class people to get treated so poorly? I have no idea! I have had Bank of America regulator complaints operations reach out to me only to send me SOMEONE ELSE BANK STATEMENTS FROM CALIFORNIA NAMED XXXX XXXX along some of my information as well! I am asking for some type of apology and restitution from the company because they have messed me and my son lives up more than they care to realize! I just want a place to live again with my son and it doesnt have to be a big nice place. If we could just go back to what we had before Bank of America costs us ours. {$35000.00} I feel like is the normal average income of annual income well thats my average anyway. I respectfully request that my voice be heard and for it to 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 monetary relief
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX 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 2023-08-12
Company: EQUIFAX, INC.
State: MA
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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Collection Management Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Noticed I had two collections accounts on my report from the same entity, just different account numbers with the exact same amount owed which was {$500.00} for both accounts. I requested that these two accounts be validated along with the amount and they would not. Also, I have nvere received any notice of this medical debt which violates the No Surprises Act. This company is also aware that this year, legislation was enacted that prevented medical debt {$500.00} or less from being reported by the bureaus. They added additional fees to the true amount owed so that it would fall just out of the amount and report negatively on my credit. They still have not provided any itemized statement to justify the fees.

Company response to consumer: Closed with explanation