BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Conduent Incorporated
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a fraud dispute on my New Mexico unemployment epic card and conduent wrongly frozen my account refusing to release my account and give me access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
My information is wrong name and collection is not mine

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 2023-01-05
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XXXX, I purchased three {$50.00} XXXX XXXX XXXX from my local XXXX  Store to give as gifts for XXXX. 
On XXXX, my daughter went to our local XXXX store and tried to use it and was told by cashier that there was no money on it. I then had my son check the other two {$50.00} XXXX XXXX XXXX and they had no money on them as well. XXXX told me to call XXXX which I did on XXXX. After over an hour the gentleman told me he would look into it and e-mail me something in 5 minutes. My case is # XXXX. 
I never received an e-mail, so I called again on XXXX. Again, after an hour of waiting the gentleman told me I'd have an e-mail in 12 to 24 hours. As of today, XXXX, I have not received an e-mail in regard to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contracted with XXXX for pest control services. XXXX used the wrong product and did not control my problem. They made a 2nd attempt but failed. I cancelled their service ( within 30 days of payment ) and notified them both by telephone and in an email that I was cancelling their service and requested a refund. They did not respond within 2 weeks so I filed a complaint with the credit card company that I used to pay them. The credit card company gave me a " conditional credit '' pending resolution. The credit card company allows 60 days for the billing company to respond but they did not do so within the time allotted. Therefore, the credit card company made my conditional credit a permanent credit. Months later, Nationwide Credit issued me a notice of attempt to collect a debt on behalf of XXXX. XXXX never replied to my credit card company and now they are harassing me through Nationwide Credit to ILLEGALLY attempt to collect a debt that is beyond the statute of limitations. 

Please issue a " cease and desist '' notice to both XXXX and Nationwide Credit. 
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 2023-08-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I just started a new job at XXXX XXXX XXXX. My first paycheck was mailed to me as they werent able to set up the direct deposit in time. We are paid monthly and I just finished 8 years of training to be a physician and so my paycheck is much larger than before. I deposited the check Monday XX/XX/23 evening and it finally cleared this morning Wednesday XX/XX/23. Then a XXXX administrative hold was placed on my XXXX check. I called this morning and was told by the call center theres nothing they can do it was flagged as suspicious activity. I have bills to pay and am already behind because the check was mailed. This is my money from work and getting a paycheck from a hospital is not suspicious. I am being discriminated against because I used to make less money? Because of the way I look or my background? I shouldnt have to explain to the bank that I got a new job or a raise. I am going to have to get a consumer protection lawyer and waste precious time and money closing my account and suing them? Its ridiculous a bank can do this without any consumer protections. If Im late in my mortgage or other bills its just my problem?

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 2018-09-04
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/2018 XXXX XXXX - Twice i didn't authorize neither from XX/XX/2018 Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
Carrington Mortgage is stating that I missed a payment for XXXX for my mortgage. I did pay that payment for XXXX on XX/XX/2022 in the amount of {$2400.00}. They sent me a confirmation of payment and I did not receive any information that the payment was rejected and was not contacted to make the payment again so I thought everything was good and my payment was fully complete. During the XXXX month, I contracted XXXX and did not have a chance to check the app at the time. When I was feeling better, I went and checked and it said that I missed a payment. Not sure how that was possible, so I contacted them and they told me I missed the payment even though I had the confirmation in their own app which stated that I paid. During the call, the Carrington representative removed the late penalty and I made the account current by paying 2 months of mortgage payments. The late payment on my credit report should be removed because it is incorrect and I was not made aware of the rejection of payment at the time Carrington Mortgage is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MBA law {$1500.00} Original debt was owed to citizens hospital in 2021. 
XXXX hospital new employee was not trained to enter issuance correctly. Never received the first bill. 
More than 1 year later, I was turned over to a debt collector. I tried to straighten out bill. Due to I only owed 10 % of {$1500.00}, I have reached my medical deductible that year. The first collection stated that they would go Back to XXXX  and have it straightened out. The debt collector stated it was fixed. 2 years later, the debt is sold to another collector. I stated the issue and proceed to straight it out again. I ask for an explanation of benefits and found out it was still not filed with my issuance. I have offered multiple time to owe my portion ( {$150.00} ), many times and they refuse to file a claim with accordance of being a XXXX provider. 

I do not owe this debt and want it removed from my credit report. 

I have documentation, names and contacts within XXXX that will confirm my called and my attempts to straighten it this bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
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: Account status incorrect

Complaint:
Hello, I have contacted XXXX ( XXXX XXXX ) for my XXXX account repeatedly. There is a 30-60 day  late payment noted on my credit reports for XX/XX/2018. This account has never been 30 days late for the entirety that it has been opened. Payment is rendered every month by automatic payment from my checking month. 

I have asked XXXX, Transunion and XXXX to investigate the transaction and remove late payment from my credit report, but they have refused to do so. Instead, I get a general and copied and pasted response to my investigation requests. 

This notation is not correct and I would like the credit reports to do their due diligence and investigate and remove the notation from my reports.

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 2023-09-06
Company: Newman, Hesse & Associates, P. A.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the HR department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2023 time XXXX XXXX XXXX XXXX XXXX XXXX, I repeatedly told them that I already made the makeup payment to make them whole. And to stop calling me all times of the day. I also want them to be formal, since that this is a business type setting. If I owe them money and we're talking about money, I want them to use my surname not my first name. First names are friends and people we do not have any disagreements with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I repeatedly keep attaching a receipt of payment to a debt collection and TransUnion doesn't correct inaccurate information. The document is proof of payment but TransUnion continues to ignore the document and report incorrectly.

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 2022-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Report provided to employer without your written authorization

Complaint:
15 USC 1681 Section 602 states i have The right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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/XXXX, I was alerted of a charge to my Capital One credit card account made on XX/XX/XXXX. When I checked the account activity, I saw a fraudulent purchase was made on my credit card ( my account, husband 's card ) in the amount of {$510.00} at a XXXX XXXX XXXX in XXXXXXXX XXXX XXXX I live in XXXX, XXXX  ). I immediately called the fraud line at Cap One to dispute the charge and they said it was made with the chip card ( I had cut up the card when I received it in the mail so how this can occur is beyond me ) but they would investigate. Not 24 hours later, I received an email stating there was " insufficient evidence '' that I did not make the purchase and I was responsible fir the charge. I called the fraud line again and spoke with a manager on XX/XX/XXXX who called the XXXX XXXX XXXX XXXX and spoke with a staff member there ( while I was on the phone as well ) who looked up my account ( I do have a business account at XXXX 'XXXX XXXX in XXXXXXXX XXXX XXXX  and the staff member told the Cap One manager the only activity I had for XXXX was a purchase I made on XX/XX/XXXX in the amount of {$21.00}. Despite this, because the staff member was unable to look up the credit card information, the Cap One manager told me the case closed, " her hands were tied '' and " there is nothing else I can do. '' Not satisfied with this as I am not willing to pay for criminal activity and fraudulent charges I didn't make in a state I'm not even close to, I called again on XX/XX/XXXX asking for further assistance with the matter. They sent me an email to send any documents I could to provide any evidence to make my case ( basically investigate my own situation, something they should have done for me as their customer! ). I called the XXXX XXXX XXXXXXXX in XXXX ( the store here the purchase was made ) and asked if they were able to bring up footage of that date and they said they would need a police report. I called the non-emergency line at the XXXX Police Department and filed a report for fraudulent charges and explained the situation which is now under investigation. I sent these documents to the email provided by Cap One. I am awaiting reply by the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attached to this complaint is a letter I received from XXXX XXXX XXXX XXXX XXXX  XXXX ) on XX/XX/2023 in regards to a data breach discovered on XX/XX/2023, by XXXX. My personal information such as my name, date of birth and social security number was compromised and stolen by an unauthorized third party. The following inquiries viewed by others currently showing and listed on my Chex Systems Consumer Report ID : XXXX is from the result of the 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

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 2023-05-11
Company: Experian Information Solutions Inc.
State: PR
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:
In XXXX, I discovered that I was a victim of Identity fraud and took all the steps to solve the issue. I had XXXX negative account on my three credit reports, and the account is from XXXX partial act # XXXX. I contacted them and told them I had no idea about this account. Also, I sent letters to all the credit report agencies. The item got deleted from my credit report from the three agencies. Still, suddenly now, after Experian deleted it from my credit report, they sent me a new credit repport, including again the negative account. I know my rights, and after 30 days, if they do not answer, they have to delete it, and they did, but they got it back again. Only Experian did this. They cant delete something and put it back again. Please help me because I Wrote letters and letters to Experian and nothing. 

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 2022-01-02
Company: BARCLAYS BANK DELAWARE
State: NJ
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 opened a Barclay 's credit card which had a promotional 0 % interest rate for 18 months. I made regular payments on the card after a {$1500.00} purchase and had the balance down to {$880.00} when the promotional period ended. Barclay 's then charged the entire amount of interest due on the {$1500.00} purchase all at once, even though they had already received {$610.00} in payments from me. They assessed an interest charge of {$470.00} on XXXXand have added that to my balance. I find this to be very deceptive on their part.

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 2023-01-06
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
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 to the Fair Reporting Act XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

16 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank called me 10 times within an hour span I spoke with the supervisor and she stated she only sees two calls those two calls were within 10 minutes apart. They are calling from an Ohio number as well as a private number. I spoke with XXXX ( XXXX ) who was rude and told me there was no one I could speak to and I had to send a letter to a XXXX XXXX XXXX I advised them I did not want to be contacted by an automated dialer. Yet I was still called on my cellphone by a dialer they stated they could not see how many times the dialer called me.

Company response to consumer: Closed with non-monetary relief