BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a credit card with Commenity Bank. The credit card was for XXXX XXXX XXXX XXXX. Commenity bank said they could not help me because all my credit bureaus are frozen. This is not true my credit bureaus have never been frozen. I have called commenity 22 times to work this out. Now has hit my credit bureau twice but claim they have not because its frozen. I have sent proof with this complaint. My credit score has lowered 22 points because of commenitys errors. I would like my XXXX credit card sent to me as I have great credit and income. And my Bureaus are not frozen. Ss # XXXX d/o/b XX/XX/1967

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
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: Account information incorrect

Complaint:
Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES AcXXXX provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.

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 2022-04-07
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I just received a random call about a fraud charge on my Chase XXXX starting with XXXX ending with XXXX. This card had already been closed previously. But, he reported that it is being used in Ohio and it was reported as fraud. Also, he reported that there's currently over {$4000.00} charges due on this card ; which is ridiculous. 

Phone # : XXXX from caller This person had the last 4 digits of my SS #. My full name and my current residing address. 

Please report this unknown person. 
I hung up on him when I realized this card had already been closed a while ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Action Financial Services, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I called action financial services, they had outdated expenses for me. I moved to an apartment they did not accommodate the move and started garnishing my wages with no warning. One of my entire paychecks was going to rent every month. Now one paycheck is not even enough to pay my monthly rent. I called the department of education and they said there was nothing they could do except mail me financial hardship forms which will take 7-10 business days to arrive. On top of that a processing time of 30 days. I won't be able to afford my next months rent, utilities, and expenses.

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 2022-12-17
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: Account information incorrect

Complaint:
Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES Act provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I was served with a summons to appear in court on XX/XX/XXXX for a civil matter from Midland Funding LLC which bought a charged off debt from XXXX XXXX Bank on XX/XX/XXXX for a credit card with the last XXXX digits of the account ending in XXXX which had a statment included on summons. One statement shows a balance of {$25.00} made on XX/XX/XXXX. I never made a payment to this account nor have I had a card from this company in XXXX. I currently have 2 credit cards with XXXX XXXX Bank that are active and in good standing. Midland Funding LLC never reached out via phone or mail to provide me any attempt to collect a debt because I could have address this issue 6 years ago. This company or any company on this matter does not exist on my credit and I don't even show a XXXX XXXX Bank card from XXXX on all 3 credit companies. XX/XX/XXXX was the first time I have heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section St
ates : 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 vears.

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

Company 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 2022-04-07
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: Was not notified of investigation status or results

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : 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 2020-11-04
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I opened an XXXX XXXX XXXX account with XXXX XXXX  on XX/XX/2020. This was done online. I used the XXXX App to transfer {$1000.00} from my US Bank checking account to this new XXXX account. The money was withdrawn on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating that the transfer could not be completed. I was instructed to contact the financial institution that the funds originated from in order to receive my refund. I have since talked to branch managers and customer service from both XXXX and US Bank. They tell me that my money is being held by XXXX ( a third party company they use for bill pay and online transfers ) However, not one of those three companies is able to return my funds to me. I even filed a dispute with US Bank on XX/XX/XXXX which the denied about 2 weeks later. I am at a loss as to how to proceed from here.

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 2022-12-17
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On multiple occasions I find KeyBank locations to have malfunctioning ATM machines. I've asked local locations to address this issue as I use ATMs often and need to deposit money. I have to drive all over town to find a ATM that is in working condition. On XX/XX/2022 at around XXXX. I went to XXXX ATMs in the XXXX XXXX area ( XXXX ) as I went to the XXXX location @ XXXX XXXX XXXX XXXX Colorado XXXX I thought I was able to use the ATM as is it appeared to be functional. I put {$1000.00} dollars into a Deposit at the ATM. The machine starting showing malfunction issues. It would not give me my money back and it wasn't deposited into my account per mobile app. So I sat at the ATM for over an hour trying to see if it would dispense my cash/card. This is an ongoing problem and I had to call customer service. I was on hold for over 45 minutes as I waited at the ATM and was told there was nothing I can do. I just feel the branch should hold more accountability for servicing the ATMs on a regular basis or get new machines. I was told on XX/XX/XXXX that I would have to wait until XX/XX/XXXX for the ATM to be serviced. Meanwhile my account is not able to be used, and my money is just floating. I find this to be a huge issue and I was unable to get any contact information for the area manager or store manager. I feel someone should be held accountable for the inconvenience and reliability of the ATMs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-05
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: Account information incorrect

Complaint:
I opened this account in early XXXX and closed and paid this account in XXXX XXXX. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except Transunion. I reached out to Transunion filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX Transunion said the documents were verified Accurate. I find out today, the last time XXXX XXXX reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with XXXX XXXX was on XX/XX/XXXX. Since then there has been no luck, and Transunion should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.

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 2022-10-11
Company: MARINER FINANCE, LLC
State: MD
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:
On XX/XX/2020 my father XXXX opened up a loan under Mariner Finance. I XXXX noticed that there was a Mariner Finance loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but Mariner Finance continues to state that its mine after I expressed to them that I never walked inside of a Mariner Finance and that my father told me that he indeed signed and cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name ; XXXX # XXXX, Account name : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Experian Information Solutions 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:
On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from XXXXXX/XX/XXXX and XXXX XXXX stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from XXXXXX/XX/XXXX and XXXX to identify the correspondence. I called XXXXXX/XX/XXXXon XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.

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 2023-04-19
Company: Experian Information Solutions 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-12-17
Company: Experian Information Solutions Inc.
State: NV
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. 

Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, Account name ; XXXX # XXXX, Account name : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: LDF Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The company attempted to take unauthorized funds from my account based on what they said was online approval, which I can confirm I did not approve. I am currently in a chapter XXXX and did not realize I could not take out a payday loan so I attempted to work out a plan to pay the original amount, which they agreed upon of {$700.00} instead of amend the plan where they would be considered a non priority unsecured debt and receive nothing. They attempted ( after agreeing to the original amount ) to add a ridiculous amount of interest and say the amount is over {$950.00} and still accruing. They are a tribal loan and are not a registered lender in the state of WI. 

This is their agreement " The laws of the Tribe and applicable federal law will govern this Agreement, without regard to the laws of any state or other jurisdiction, including the Conflict of Laws clause ( s ) of any state. You agree to be bound by Tribal law, and in the event of a bona fide dispute between you and us, Tribal law and applicable federal law shall exclusively apply to such dispute ''. They are charging 557.91 % interest on a {$700.00} loan which would be over {$2400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation