BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During vision XXXX, I signed up for an Alpheon Credit Card in order to take advantage of a promotion. Both the medical practitioner as well as the credit company represented to me that this promotion would allow me to pay the balance of my XXXX costs ( approx. {$4000.00} ) interest free over XXXX years. 

Thereafter, every month, I would receive an email reminding me that I had an upcoming payment. I was expecting to make such a payment on a monthly basis and understood that they would have divided the {$4000.00} balance owed over a period of 36 months and charge me for that amount each month. 

My vision XXXX was in XXXX. My expectation was that the payments would continue until XXXX. When I last checked my account, I realized that the the company had started charging interest in XXXX, including a lumpsum interest in the amount of $ XXXX in XX/XX/XXXX for failing to pay off the balance of the card. Thereafter, Alpheon began charging monthly interest in the amount of $ XXXX every month, even though I believed that I was still on the promotional timetable. 

My understanding is that Alpheon, both in making the initial promotion, as well as during the course of the promotion, intentionally and/or fraudulently made representations that were untrue regarding the terms surrounding the promotion. Alpheon also failed to keep me apprised of the status of the payments, or that interest was being charged. Furthermore, Alpheon failed to warn or otherwise make clear that a lumpsum interest payment ( accrued as of that date ) would be charged if the balance on the card was not paid off by a certain date. Alpheon had my email and phone number, and failed to make any reasonable effort to clarify and/or explain the upcoming charges. It is my belief that Alpheon intentionally attempted to make difficult to assess or otherwise concealed the interest charges in the hopes that consumers would not notice. 

Had I not confirmed and calculated the remaining amounts owed on this account, it would have taken me 15 years, making the minimum payment, to pay off the balance, and Alpheon would have charged nearly {$6000.00} worth of interest on top of the initial cost of the procedure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
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:
Today is XX/XX/XXXX and Equifax got a request from me for their method of verification as it pertains to a XXXX  XXXX XXXX account that is reporting on my credit report. Equifax got this request from me on XX/XX/XXXX and to this date they have not provided me with such a document which is a violation of section 611 ( a ) ( 6 ) and ( 7 ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Collection : XXXX XXXX balance {$860.00} ; XXXX XXXX XXXX balance {$170.00} ; XXXX XXXX balance {$400.00} ; XXXX PROGRESS XXXX balance {$55.00} ; XXXX XXXX balance {$0.00} ; XXXX XXXX XXXX balance {$500.00} ; XXXX XXXX XXXX balance {$880.00}

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 2022-06-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-09
Company: ResidentCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented an apartment and went I ended my lease XX/XX/2021, I paid everything that was owed. The company XXXX XXXX then reported my account as Paid. Paid as agreed and Closed in XX/XX/2021. A month later a collection agency reported that I did not pay and refuses to remove from my credit. I spoke with XXXX XXXX and they stated that they did report to the credit bureau that I paid everything and my account was closed in good standing and do not know why it is now in their collection department. The collection department has refused to remove and is demanding that I pay this amount again, actually more than what I already paid until they can figure out what happened and who's account this actually belongs to. They are destroying my credit and I need them to remove it immediately. Collection company is XXXX Innovative Recovery Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is  attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: Account status incorrect

Complaint:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/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 2020-07-07
Company: Klarna AB
State: NM
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 did not open this account. I notified Klarna and they have not been able to resolve this issue. I have contacted Klarna several times. The charges on this account are {$460.00}. 
My identity was stolen in XXXX of 2019. I have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Trouble getting information about the card

Complaint:
BANK of AMERICA frozen acct. never gave back money that was in account. money was never added to acct. they blamed XXXX. 
I have proof and all screen shots

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 2023-04-29
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151. 
I have enclosed copies of my state-issued identification and social security number to validate my identity.

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 2022-06-09
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: Account status incorrect

Complaint:
I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX Balance Owed : {$12000.00}

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 2023-11-17
Company: Conn's, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Conn 's Appliances is reporting a debt not owed and showing several different amounts owed on all three credit reports. It is important that Conn 's Appliances remain true to their 130-year history of quality customer service and satisfaction. This account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Great American Finance Co
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Someone made a fraudulent purchase and opened a financial account with great American finance. The purchase was made in XXXX and I'm not sure how they did it but I'm not from there. I reside in XXXX Florida. 
I made a police reports and emailed it as well as other documents to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: VA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-06-09
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: Account information incorrect

Complaint:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-08-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third time this company common wealth financial has placed the same debt. they are unable to provide any proof of debt, or my signature or to mail anything to my address within 30 days, I had it removed in XX/XX/XXXX by dispute it was placed back on my report in XX/XX/XXXX I had it removed XX/XX/XXXX by dispute it was placed back again XX/XX/XXXX on my report, and I have placed third dispute today. I have also seen on my report it is a medical debt, which is not possible. And by some chance it was with the provided paperwork ( which they don't supply ) florida medicad would go back and pay it. However me and all my children are covered by florida medicad and have been since XXXX for all emergency visits and all doctors appointments meaning we are charged XXXX for any and all doctor visits or emergency room visits, because I am a single mother of XXXX living well below florida guidelines of poverty for a family of XXXX. Like i.said I am very aware let 's say by some chance there was a mistake medicad would go back and pay it, of it were my actual medical debt.this is a 3rd party debt collection agency also I am well aware of it I have looked into it. And commonwealth financial was and is incapable of proving the said debt, they can not. At this point this 3rd party agency is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Titanium Funds
State: UT
Product: Credit reporting 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 purchased a vehicle over a year ago and was told Titanium Funds would be reporting to credit agencies. After several phone calls I have been told there is a " glitch " in their system and it would be updated. After a year it still has not been resolved. It's very frustrating because I am trying to build my credit and an auto loan is a very big part of that. I have made all of my payments and would like my credit report to show that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: AmeriCollect
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:
I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXXXXXX XXXX, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from Americollect continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with XXXX. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at XXXX who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to Americollect, XXXX, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to XXXX, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If XXXX looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of XXXX, and the services provided is appalling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: W&A Intermediate Co., LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed an dispute with CFPB in XXXX and Wakefield failed to answer the dispute in a time manner, when they did response the repeated the same response that was given 120 days ago. XXXX dental was paid in full at the time of service, the insurance company gave XXXX dental a preauthorization prior to me recieving service and XXXX confirms they paid the preauthorization amount in full, they is not else owed. This claim is fraudlent

Company response to consumer: Closed with explanation