BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXXXXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1700.00}, XXXX XXXX - XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$1600.00} ), XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX, Balance : {$2000.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXXXXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$530.00} ), XXXX XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Credit limit {$500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$5100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-11-11
Company: Experian Information Solutions Inc.
State: NV
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:
ON XX/XX/2023 there was a collection account put on my credit report. This account is fraud. I have never heard of this company before. 

The account in reference is : Account # XXXX. XXXX XXXX XXXX, from originated creditor XXXX XXXX XXXX XXXX This company has a history of fraudulent claims. I am a victim of identity theft and fraud.

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 2021-05-24
Company: Exeter Finance Corp.
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:
Hello, I received in XX/XX/2016 a late remarks on my credit report with Exeter bank and I didnt own the vehicle. I traded it in and XXXX XXXX owned the vehicle. They still reported it to my credit report. I called multiple times and they refuse to do anything. I submitted disputes and nothing. I did not own this vehicle it was traded in and if XXXX owed them its beyond my control. I would like this take off my credit report or I will sue them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit 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:
My Victoria 's Secret credit card is being charged a fee for account protection by XXXX XXXXXXXX, that I have never signed up for their services. This XXXX XXXX company has been billing my account for years, and I failed to notice it, since the bill is online and there is a balance on this account. I always made my payments on time, never missed a payment. about XXXX years ago my husband asked to see the statement and we discovered this issue. We contacted victoria 's secret customer service right away and they promised to escalate the issue and contact us. They also advised us to contact XXXX XXXX directly, which we tried at that time, but after long ( over XXXX minutes hold ) we gave up. I am ashamed to say that I forgot about this issue again ( we have XXXX XXXX XXXX ) until again my husband asked about this account. I have checked the account and I saw that XXXX  XXXX is still billing my account ( depending on month ) from {$39.00} to {$41.00} + per month. This is fraud being committed by both companies : XXXX ) XXXX XXXX is/has been billing my account for years ; XXXX ) Victoria 's Secret bank is assisting them to do it and won't investigate, even though I specifically stated that I am a victim of fraud. 
Second conversation took place about XXXX week ago, I first spoke to fraud department, they, without specific reasoning transferred me back to customer service. Than I spoke with XXXX ( ID number XXXX ) from escalation department, that was not much help either. She kept promising she will resolve the issue and keep asking me to call XXXX  XXXX, a company that as far as I am concerned is committing fraud. I specifically demanded that she terminate the XXXX XXXX and XXXX refused to do that by telling me I need to contact them directly. They have charged my account for at least XXXX years and I am positive this is a company policy and Victoria 's Secret bank is fully aware of this issue and they are practicing this against other customers as well. Please help me solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
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: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX has not been able to verify this account and the credit bureaus Equifax and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The following list of attorneys of The XXXX XXXX XXXX XXXX continue to harass me with letters and sending strangers to my private property, I have informed this law firm to cease communication but they continue to use false and misleading information in attempts to collect an alleged debt from me. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I am telling you again for the second time to Cease all communication from me. I am a well informed consumer and I know my rights and I know the federal laws of the Fair Debt Collection Practices Act, which you all have continued to violate with your ongoing of false and misleading actions. I have attached four exhibits of proof violations of the Fair Debt Collection Practices Act. This is just a small portion of misconduct that has taken place towards me. I am aware that it is false and misleading for attorneys to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Chrysalis Holdings LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In order to take advantage of the lower rates, I decided to refinance my current mortgage. 
NewDay USA had been advertising refi 's for veterans with no income verification, no appraisal and no out-of-pocket cost. This sounded attractive so I began the process on XX/XX/XXXX. The actual application date is XX/XX/XXXX. 

My house is currently valued at @ {$180000.00} with an existing mortgage balance of {$75000.00}. My credit score was XXXX and my wife 's @ XXXX so no problem there. 

During the application process I was told that with an equity position of 40 % loan-to-value no appraisal would be required, however, later in the process I was advised that an appraiser would becoming to do an appraisal. Also, as documents were requested to support the application I was very timely in providing the documents. later in the process on more than one occasion i was asked to provide documents that had earlier been provided. This happened more than once. 

Finally, during the week of XXXX I was told that we would be able to close the loan on XX/XX/XXXX. Because of a death in my wife 's family I asked that wee delay closing until XX/XX/XXXX. Closing was set for XX/XX/XXXX at XXXX XXXX. Earlier in the process I was asked to provide the name and contact information of a closing attorney. This information was promptly provided. On the morning of XX/XX/XXXX I went by my attorney 's office to validate closing time. They had received no information relative to the closing. When I returned home I called NewDay and was told that closing would not happen that day. I was again asked to provide information I had submitted earlier in the process. Somewhat irritated I did this. 

During the week of XXXX I received electronic disclosures to be signed before closing. These were signed and promptly returned. Then the week of XXXX, I received more electronic disclosures with no instructions. I finally contacted the processor and was told why new documents came. These were signed and returned and a promise that closing could occur soon. Finally was told that a closing notary would come to my house on XX/XX/XXXX, and documents were signed. As of today, payoff to the first mortgagor is still pending. If payoff does not occur before XX/XX/XXXX the mortgage will be late and late charge due. Not only do I not want to pay a late charge but I have never had a late payment in my life. ( Now XXXX years old ). 

So what is my complaint? First of all, a refinance with less than 50 % LTV should not take 3 months. A borrower should not have to continually provide documents a second time that have already been provided and I am not real happy with the potential impact to my credit history because of the delay in paying off the first mortgage,.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX is dishonest. They showed a picture of decorative pillows but did not show the back, which led me to believe the back was the same as the front. Turns out, the back is just a plain white. I returned the pillows and they credited me for the pillows but not for the shipping and handling. I called to request a full refund but they refused and told me I should have read all the hidden details Ordered XX/XX/2023 Delivered XX/XX/2023 Refunded XX/XX/2023 Order # XXXX Cost {$88.00} with tax Refunded {$73.00} minus shipping {$14.00} This is not the first time I've had trouble with an order, this company is deceptive and the customer service is unsatisfactory. I told them I was going to make a consumer complaint. 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 2023-02-22
Company: EQUIFAX, 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:
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 2021-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX  2021 monthly payment of {$1700.00} due XX/XX/XXXX instead paid two days late resulting in penalty charge of {$17.00} plus interest charge of {$30.00} appearing on XXXX 2021 monthly statement. 
XXXX statement paid timely and not subject to any type of penalty, etc. 
The company, Capital One, without explanation now charges an additional interest charge of {$16.00} explaining that such valid charge results from the XXXX 2021 late payment. 
As client never before involved in a late payment situation. I have an issue with the arbitrary action of Capital One but most relevant what appears to be an unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-30
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. 

XXXX XXXX bankruptcy # XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 Must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Monday XXXX XXXX I tried to withdraw {$1000.00} dollars off of my XXXX bank of America prepaid card inside in Bank of America via a Teller and the card was declined stating " insufficient funds '' which false due to the fact that I did indeed have the {$1000.00} on my XXXX Bank Of American prepaid card. I called and spoke to XXXX a bank of America representative through the customer service line and she checked and saw there was a block on my card and she unblocked the card so I could use my funds. On Tuesday XX/XX/XXXX of 2021 I went to a gas station inside with the clerk and I asked for {$7.00} on the pump for gas and my card was declined again I called Bank of America customer service and the representative stated their was a glitch in the system which was causing the card to be blocked and then they unblocked the card the representative stated that someone requested that I was sent out a new card WHICH I HAVE NEVER REQUESTED! and I still wasn't able to use funds. On Thursday XXXX XXXX I went to another Bank XXXX America Location to withdraw {$13.00} which was declined. I called Bank of America customer service the representative stated they had unblocked my card again and couldn't understand why the card was blocked. Today Saturday XXXX XXXX my card is still blocked and I'm still unable to withdraw and/or use my funds I have been speaking to Bank if America representatives all day the representative stated error code pops up while trying to unblock my code and they can see that it's blocked but it has no reason why. And no one can explain why the card keeps going on 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX XXXX XXXX Balance : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The account listed below is reporting on my file and was found in my reports with TransUnion credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency is not complying with federal law in regard to identity theft. Additionally, Transunion has not provided me with any evidence of an open contract signed contract or any valid proof this was opened, authorized or created by me. 
Since this is a strict violation of FCRA laws I need the account removed from my file. 


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 2021-05-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My husband and I created a family trust. The bank refused to supersede our existing accounts into the name of the trust. They wanted us to open a new account in the name of the trust and just add our family members as beneficiaries to the existing accounts and in the event of our death those members could then move the funds into the trust. This is not the function of a trust. They are providing incorrect legal advice and providing incorrect information to stakeholders that could ultimately result in legal and tax consequences.

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 2022-07-13
Company: EQUIFAX, INC.
State: MO
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:
Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have been asking for written documentation on a XXXX XXXX account that was fraudulently created under my name. I have asked for this information several times not just from your company but also from the creditor. 

You responded by saying that " VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. 

So, I find it funny that you claim to verify the account I disputed listed below when you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 
All inaccurate XXXX XXXX TRANS UNION - account # XXXX Date Opened : XX/XX/XXXX. 
High Credit : {$22000.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX account # XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Credit Limit : {$23000.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX account # XXXX  Date Opened : XX/XX/XXXX High Credit : {$6500.00} Credit Limit : {$0.00} Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Your company is in violation of 15 U.S.C. 1681. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documentation. 

I am requesting validation from you pursuant to the Fair Debt Collection Practices FCRA 611 ( 15 U.S.C. 1681I ) ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Again, let me repeat, you have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). I want this account reinvestigated.

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