BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complain is against : XXXX XXXX Visa Credit Card On Thursday, XX/XX/2019 I received an e-mail from XXXX XXXX Credit Card services notifying me of a possible {$10.00} fraudulent charge. I noticed my credit card was missing and I knew I had not made any recent purchases, so yes it was not me using that card. I proceeded to contact their fraud department and they said they would be cancelling the card and sending me a new one.  Today, a full week after I made that call, I realized that I still had not received my new credit card and then I get an e-mail from XXXX stating that XXXX XXXX had closed my account. When I called XXXX XXXX Credit Card Services to confirm and to request more information on why my account was closed, they proceeded to tell me that my account had not been closed. When I informed them that I had received notification and I could no longer see that account on my report, the they said that yes, my account had been closed due to fraudulent activity. They were not listening to me and were not answering my questions or addressing my concerns and they recommended I report them to the credit bureau if I had any issues. I want to know why my account was closed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX of XXXX I went to XXXX XXXX for a XXXX XXXX, during the visit I was told that I would need XXXX for top and bottom and before they would fix the XXXX XXXX, they recommended me to get the XXXX  first. I agreed and they made me an appointment to get fitted for the partial around XX/XX/XXXX. During my visit, my insurance was validated with the insurance company, and the XXXX office presented with an estimate of cost for the partial, the estimated showed. the portion I was responsible for and the portion in which they insurance agreed to pay, prior to me making any commit, I was told that because the service was for custom partial, I would have to pay my portion prior to the XXXX office sending the impression off to be made. I agreed and made payment for my portion of the expense that day. Around XXXX of XXXX, return to XXXX for my XXXX during that visit they adjusted my XXXX XXXX XXXX XXXX XXXX. upon leaving I stopped at the front desk to take, and outstanding balance and I was told. There was no balance, and I was good to go. 

Around XXXX of XXXX, I received and invoice in the mail from XXXX XXXX, I immediately call their office and spoke with the billing person to speak about the bill, and I told her exactly what I wrote about, she said OKAY she would need to get in contact with my insurance company again and we ended the call. I then call XXXX insurance company just to be certain and I was told the claim paid out, so if figure must have been and error. 

Around XXXX I receive a call for a Wakefield collection agency in regard to the {$1500.00} charge, I was surprised as I though the issue was resolved, and the {$750.00} charge was now. {$1500.00}. I explained to the representative all they above and he said he would need to get back in touch with the XXXX office. 

I never heard back, instead Wakefield popup on my credit report as a collection, I have tried countless times to get them to resolve this, but they continue to report the inaccurate information to the credit bureau. 

The agreement I had with the XXXX office said I would pay portion of responsible cost at time of service which I did. I don't know what was or wasn't file correctly with the insurance company nor do I have control over that, all that was worked out at the time of service between my insurance provider and XXXX office. I contacted the insurance company and they have said they paid the claim, so I am not sure why I am still be harassed and pursued for something I don't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Bread Financial 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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX, XX/XX/2023, I attempted to contact Nelnet about questions regarding my student loans. They do have a lot of information on the website, but not exactly what I was looking for. I waited on hold for 50 mins and was unable to talk to anyone. Today, XXXX, XX/XX/2023, I called again and waited 2 hours and 5 mins without being able to get ahold of anyone. I emailed them through their system which says that emails are extremely delayed and it may take a long time to receive a response, I have not received one yet as of this complaint. I am now back on hold on the phone and its been 24 mins without an answer. I keep hearing recordings saying I should find my answer online, yet its not clear on their website about the question I have. I do not have the time to sit on the phone on hold without getting anyone to speak to me when I have a loan payment coming up. It has been terrible customer service. I understand I am not the only person suffering this due to all loans coming out of forbearance at this time, but I need to speak to someone. I dont know how else to resolve this as Ive made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: PA
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:
I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B This is a fraudulent account on my report. 

XXXX. XXXX XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Reporting company used your report improperly

Complaint:
I spoke with the companies in question about how they retrieve my information. I have requested the companies in question to close the accounts because they were not given permission by me and I didn't owe monies to these companies in question. The negative accounts have not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or creditors customer service representative.

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 2022-05-16
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: Old information reappears or never goes away

Complaint:
XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.

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 2022-04-09
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called XXXX and made a payment and closed the account, now Im receiving emails about owing them and they keep adding more late fees to the account and no one is trying to help, theyre saying theres nothing g they can do because the account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit 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:
On XX/XX/XXXX, I called into Capital One call center to file a dispute for a charge of XXXX for a service I did not receive back in XX/XX/XXXX for car repairs. I spoke with a representative about this matter, and I inquired if it was too far out to dispute a charge like this, and she informed me that she will process the dispute and that everything should be approved. I received a credit to my account on XX/XX/XXXX for the XXXX. Several weeks went by and I thought everything was fine until I received a notification on XX/XX/XXXX that my dispute was denied due to the time that has passed and that I technically only had 60 days to dispute a charge. I called back in on XX/XX/XXXX and immediately asked for a supervisor, but was told all I had to do was send in documents so the dispute team can review these documents. I sent them in, and didn't receive a notification that they where received. I called back in for the XXXX time to Capital One call center, and asked for a manager. I was then told by the manager that there was nothing she could do and that they are not responsible for the outcome. I was told by the manager that I actually had 180 days to submit a dispute, so I kept getting different answers from different sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Zions Debt Holdings
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 belongs to someone else

Complaint:
I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXXXXXX 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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX continues to report my account late as 30 days ( TRANSUNION ) Account was pain in full in XX/XX/2020 account was never late.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX and I have submitted documents to the company and the credit bureau proving that the accounts listed below are inaccurate and should be deleted immediately ... ..they are also fraudulent. on my Experian report it is listed as XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX on my XXXX report it is listed as XXXX XXXX account # XXXX opened on XX/XX/XXXX also on my XXXX report XXXX account # XXXX amount {$53000.00} is completely fraudulent and is not showing on any other of credit bureaus reports... .. inaccuracies alone is cause for this to be deleted immediately! They are also Fraudulent. The company refuses to remove these accounts knowing they are wrong and fraudulent. Please assist me in getting this done... ..the BUREAUS are always intentionally destroying our lives.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: AR
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 XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 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 2022-10-17
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
I am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: CT
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 XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Report Act XXXX XXXX acount # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  acount # XXXX has violated my rights. 15 USC 1681 Section 602A says I have a right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation