BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
From : YouSent : Friday, XX/XX/2018 XXXX XXXX  ( ET ) To : XXXX XXXXSubject : FraudMessage ID:XXXX I am writing to let you know that I have reported you to the Consumer Financial Protection Bureau for fraud and usury. You have kept the finance charges lingering on the old balance on my account now for more almost 2 years. I know I have paid that balance off twice over but you still keep it there for whatever reason. I have spoken to your representatives on several occasions where they have stated that once that balance is gone that finance charge will go away. Now all of a sudden its on there until the entire balance is paid. XXXX XXXX!!! This is fraud plain an simple. I paid {$750.00} in the course of two months there is no way you can tell that that balance shouldn't be gone by now. I want it gone NOW! I am also going to call an attorney to see how many other customers are being ripped off by this " finance '' charge.

This is the 3rd time I have reached out to them for this same issue. I have been told on two previous occasions that once that balance was gone the second finance charge would be gone. That is obviously not the case as I was told today - XX/XX/2018 that I now need to pay off the entire balance. I have to believe this is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: HYUNDAI CAPITAL AMERICA
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I called hyundai motor finance to put my account on an autopay arrangement. This was never completed, I was never contacted by Hyundai motor finance and my account went into default however a payment was withdrawn the following month in XXXX. They placed two late payments on my credit report and will not remove them although I made a payment in XXXX and in XXXX they never took the payment out although I contacted them to be put on the autopay that month. I've sent letters disputing to my creditors as well as Hyundai with proof of my payment and my phone record showing my phone call to setup the autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: GA
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  Account Number : XXXX Account Name : XXXX XXXX AUTO Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-11
Company: Adler Wallach & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was recently notified that AWA collections was trying to charge me for an account I do not have. I do not and have not ever had an account with them. Upon receiving the information, I was not notified properly of the information and was illegally put on my consumer report. With that being noted, AWA collections has violated my consumer rights and Id like this information to be immediately investigated and removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, INC.
State: AZ
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:
What happened? 
XX/XX/2021, I filed a complaint with the CFPB that 2 years ago Equifax dropped my credit from XXXX which corresponded with Equifax XXXX losing '' several active lines that the other two major credit companies ( XXXX and XXXX XXXX have a record of. Equifax responded to CFPB complaint on XX/XX/2021 Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' CFPB XX/XX/2021 closed my complaint with Equifax " status-company responded on XX/XX/2021. '' To my knowledge, Equifax has done nothing to correct Equifaxs " thin file '' credit line deficiencies. 
I have sent several certified letters over the past 1 1/2 years to try to have Equifax correct their " thin file ' i.e. listing only two active sources of credit and ignoring the multiple other satisfactory credit lines maintained by me that the other two major credit companies ( XXXX and XXXX ) have a record of. I can find no way to resolve this issue with Equifax. I have sent Equifax copies of my active mortgage which they ignore. I have sent Equifax other credit files which Equifax ignores. My suspicion is I am talking to a computer and all responses regarding my situation is computer-generated with pre-canned responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Credit Acceptance 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. Excessive interest fee charged illegally

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 2021-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 I filed for my XXXX and was granted benefits. Shortly after I became employed and was getting paid every week. I forgot about the XXXX claim due to my focus on work. 
Around XXXX time my family was talking. About XXXX fraud and I remembered that I had never received my card so I asked my landlord for any mail if any that he may have still been retaining. He said no and therefore I called bofa bank of America to see what was the status on my account. I learned that my XXXX had been activated and drained of all my benefits. And not only that but they were certifying for future benefits.. I put a stop to the card and I filed a. Claim for fraud they asked me to file a police report and so I did They denied my claim. And I gave up on ever seeing the money I couldn't worry about a maybe as far as income goes so I just focused in work

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 2021-12-07
Company: ALLY FINANCIAL 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:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ally Financial to have the inquiry removed from my XXXX account on XX/XX/XXXX, Have not received a response. I am requesting these inquiries be removed. 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2018-09-04
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had to XXXX the phone number when it had been a few weeks since my purchase and I had not received a bill. I was able to put in my SOC/zip and it pulled up my balance and asked if I wanted to Pay Balance IN FULL, the balance matched my receipt so I said Yes and paid. Over a month later I received a bill with Finance charges and late charges. When I called the billing rep said she could not fix or adjust my account due to the company going through bankruptcy. She said she would place an escalated complaint and I should get response by mail in about 6 weeks. All that I  have received are more invoices with more interest/late charges. I paid my purchase balance in FULL to the XXXX within a few weeks of my purchase { without having received an invoice }. The invoice I just received says are charging me {$130.00} for lates fees and interest and I do not owe this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: SC
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX Balance : {$2700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$480.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 2023-08-14
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I used my Discover debit card for a purchase of an item from a merchant called XXXX XXXX on XX/XX/XXXX in the amount of {$110.00}. 

This merchant ( XXXX XXXX XXXX ) never sent me the item I purchased and was not responsive to my repeated emails requesting a status update. 

So I contacted Discover on XX/XX/XXXX to report that the merchant did not deliver and requested a provisional credit and investigation. However, Discover replied that they were unable to do that under Reg E for my debit card purchase. 

This was disappointing to me because Discover previously gave me a provisional credit for a debit card purchase from a merchant who did not deliver in XXXX of XXXX under Reg Z. 

Furthermore, Discover claimed that they changed their policy and they no longer provide Reg Z provisional credits and investigations for debit card purchases. 

Had I known that my purchase with my Discover debit card was not protected under Reg Z, I never would have made it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX we opened up a Checking/Savings Account with Bank of America. Acct # ending in XXXX. XXXX XXXX and XXXX XXXX This account was opened because we opened up an installment loan with Bank of America for Recreational Vehicle. We were told that this account is needed to get the installment loan. In XX/XX/XXXX I found out from a representative that the only way to avoid the monthly fee on the account is to have an installment loan with Bank of America, which I do. 

The representative transferred me to complaints and reviews. I was told by the Manager that they can not stop the fees because Bank of America no longer offers RV loans ... 

I don't care that they no longer offer them. First, I should never have been charged the fees to begin with. If we go all the way back, we are looking at least {$860.00} in refunds for these fees from XX/XX/XXXX to the present. During this time and our contract for the checking account, we have maintained and have an installment loan with Bank of America. 
We requested the fees be reversed and stopped. I have not received any written response or reversal as of today. It is past 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX CT XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX Balance : {$36000.00}, XXXX XXXX  XXXX XXXX XXXX : {$840.00}, XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$5400.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022

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 2018-09-03
Company: Navient Solutions, LLC.
State: OH
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:
In XXXX, and again in XXXX, I sent paperwork to Navient for loan forgiveness, based on the fact that I have XXXX full time, XXXX XXXX, in XXXX XXXX for over 20 years. I definitely qualify for loan forgiveness, based on this fact. The first time I tried, they denied me. The second time, they ignored me. They are still billing me for XXXX, in spite of the fact that I have made regular monthly payments for many years. I'm sure I've paid off what I borrowed, however the interest has made it impossible to keep up. 
I believe they are hoping I will just give up, but I know I have earned the loan forgiveness for teaching special education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-08-13
Company: SUNCOAST CREDIT UNION
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Experian XX/XX/2022 to update this doubtful information. I think you have not authenticated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

BANK XXXX XXXX XXXX, BANK 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
onXX/XX/21 I sent a dispute lettet in explaining the incorrect and in accurate information on my consumer report, as of today nothing has been done

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