BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: Bread Financial Holdings, Inc.
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased in-ear headphones from XXXX in XXXX of 2021 for {$5.00}. I understood that to be a single purchase with no recurring purchases intended. I apparently did not notice that they would continue billing me for additional services and products. They claim they sent an additional product for which they debited my account {$110.00}. I contacted Comenity and told them I had been defrauded and charged for something I did not receive. Comenity chose to believe the merchant over me and refused to remove the charges. I spoke with Comenity repeatedly disputing the charges. They refused and I closed the account. Although I understood from representatives with Comenity that the case was once again being investigated, they assessed me a late fee in addition to the original bill. Finally, after complete frustration, I contacted Comenity today and asked them to remove the late fee and I would pay the balance on the account. They refused to remove the late fee saying the account was closed. I want others to know how Comenity treats its customers. I have attached supporting documents relative to my plight with Comenity

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX* Balance : {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have several addresses that Ive requested to have removed from my credit report. I did this on XX/XX/2023. They did delete some but not all the addresses listed on my credit report. I only want my current address on my credit report. I sent letters to all XXXX Credit bureaus with them choosing the ones they wanted to leave on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My account XXXX was blocked in XXXX XXXX .I have attempted to have the block removed by providing proof of Identity .I have even tried to go into an ace check cashing store with a valid Id and have been unsuccessful. They have requested Id, proof of residence, and a social security card. I have submitted all within requested and have still been refused access to the funds that have been direct deposited from SSI. I am asking for help to have then release my money remove this block.

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 2023-04-11
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/ - Rocket Mortgage, claimed that my HO insurance had a lapse XXXX XXXX XXXX. I called multiple times to get this resolve because you wanted to raise the monthly mortgage payment by adding your own insurance. It literally took about a week before I was able to speak to someone. It took a month to resolve this issue. 
XX/XX/ - Now you're raising the monthly payment to {$1100.00} effective XX/XX/. 
I called XXXX XXXX. I could not get anyone on the line. I tried 4 times. I then called XXXX. I was transferred to the XXXX XXXX XXXX. I spoke with a representative for XXXX minutes and she could not explain why you are attempting to raise my monthly mortgage. I have never been late. I paid all the escrow at the time of closing. There has been no issue with the HO or Flood insurance. Now she said I owe {$150.00}. If I pay that before the end of this month, my mortgage will be only {$1100.00} .... I told her that should not be because I paid everything. She said it is probably due the the insurance issue that cause the escrow analysis to show a change in the mortgage. I requested this error to be corrected. Then she HUNG UP. This is ridiculous. XXXX has tried to raise the mortgage every month since I closed. 
Before I closed the loan EVERYONE was available, kind and very professional. Now NO ONE will assist me. I have taken my account from autopay and now I have to incur and expense for legal representation. This is simply horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The Credit Card company starts charging interest the moment the charge is made. Unlike any other credit card, there is no statement grace period.

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 2019-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I AM FILING THIS COMPLAINT AGAINST EXPERIAN WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EXPERIAN COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.

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 2021-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
It appears that Bank of America sent me XXXX XXXX XXXX credit cards on XX/XX/2021 ( based on BOA email ) to replace cards that were expiring in XXXX. 

The cards expiring in XXXX were infrequently used with XXXX not used at all XXXX card was acquired originally in XXXX and XXXX cards were for me-XXXX  and XXXX stopped using cards years ago ) the other XXXX used primarily for monthly recurring bills - XXXX XXXX XXXX and XXXX XXXX see bottom of this list. These recurring bills were paid monthly by the cards for at least a year and there were very few one-off purchases with this card. 

I never received the ( XXXX ) cards and the first fraudulent charge occurred on XX/XX/2021 using a card with a chip. I was notified by email from BoA on XX/XX/2021 that there was " unusual activity detected ''. I contacted BoA that day and went through the list of fraudulent charges with BoA XXXX   Department when the list was already XXXX of " unusual '' charges - I did not count the exact number. When I checked my BoA CC account on XX/XX/2021 only about half the charges had been categorized as under dispute. I called BoA Fraud Department again and went through the process again to point out all the ones that BoA had skipped over and the BoA Agent said this should never have happened and she would take care of it. I logged on XX/XX/2021 to verify all the Fraudulent charges had been identified and the list below is what I saw. 

As you can see from the attachment it appears there was a new fraudulent charge on XX/XX/2021 at a XXXX XXXX in XXXX, CA even though my XXXX were meant to have been cancelled after my first call to BoA on XX/XX/2021. You can also see on the attachment that there is a very large number of fraudulent charges - that were reviewed with XXXX different BoA Fraud Agents - that have still not been identified as Fraudulent by BoA. 

My legitimate charges are below : Posted Date Reference Number XXXX Address Amount XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX XXXX CA XXXX CA XXXX XX/XX/2021 XXXX XXXX for XXXX XXXX DE XXXX DE 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 monetary relief
Consumer complaint received 2023-03-06
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:
In accordance with the fair reporting act the list of accounts below has violated my federal practice consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXXXXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U S C 1681 section602 A states that I have a right to privacy. 
15U S C 1681 section 604 A section 2 it also reports the consumer reporting agency can not furnish account without my written instructions. 
15 USC 1681c ( A*5 ) section steaks no consumer reporting agency may make any consumer report containing any of the following terms of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U S C 1681s-2 ( A*1 ) A person shall not furnish any information relating to a c 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 explanation
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, Equifax, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with International Paper Mill. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, Equifax, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of Equifax Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX  XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX   claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.Equifax has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the Equifax Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  ; XXXX and Transunion are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-03-06
Company: EQUIFAX, INC.
State: MA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681. Section 602 A States I have the right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer 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 USC 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. 

Account Name : XXXX Account number XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX .... 


XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXX XXXX  Account number XXXX .... 


XXXX XXXX  XXXX Account number XXXX .... 

XXXXXXXX XXXX XXXX Account number XXXX ... 

XXXX Account number XXXX .... 


Account name XXXX XXXX  Account number XXXX ... 

XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX .... 

XXXXXXXX XXXX  Account number XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-05-04
Company: WELLS FARGO & COMPANY
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: Information is missing that should be on the report

Complaint:
I still have a credit card with wells fargo but they have not been reporting as they should since last year and I am missing a ton of on time payments which would in turn decrease my overall usage and give me a higher credit score.

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 2020-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
During my divorce 10+ years ago, my ex-wife ran up all the credit cards in my name and cancelled the ones in hers. One card was with Capital One Bank ; the amount owed was {$25000.00}. 

I tried several times to explain to XXXX XXXX XXXX the situation, but they continued to send me collection notices. 

Since the original 1st missed payment was in 2009, the debt is now more than 10 years old ( definitely more than the 7 year statue of limitations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began to review my credit earlier this year and noticed several inaccuracies. Letters to all bureaus were mailed approximately around XX/XX/2019. Follow up letters were then mailed approximately around XX/XX/2019. Out of an abundance of concern, I requested that VALIDATION around XX/XX/2019 in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. This account was deleted from my credit reports only to be sold to another company and reported again as a new debt. They have YET TO PROVIDE ME WITH VALIDATION OF DEBT IN ACCORDANCE TO THE LAW. THEY ALSO HAVE YET TO DELETE THIS 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 explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I reviewed my credit report and noticed some inaccuracies. It appears to be fraudulent accounts that are reporting inaccurately on my credit report. A company by the name of XXXX XXXX XXXX is listed on my credit reporting stating that I owe their company {$120.00}. I reached out to this company and asked for validation of the debt, and I requested for this account to be verified showing that I am the person that is truly responsible for this debt. I never received any information showing that I was truly the person responsible for this debt. They are harassing me {$120.00} that I don't owe. Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) if this company claim that I owe them, and they must valid the debt. In addition, I am being harassed. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

I am requesting assistance with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a performance saving account in XXXX XXXX followed the instruction deposited {$10000.00} and over for 90 days, didn't receive the {$100.00} bonus. I called the rep, was told I used to have a money market account with Capital one that was closed long ago. I am not qualified for the bonus because of that. When I opened the saving account I read all the fine prints carefully and didn't see anything regarding the previous Money Market account. And the website took the promotional code showing the promotion was taken.

Company response to consumer: Closed with explanation