BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: AmeriHome Mortgage Company, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage loan # XXXX I made a payment that cleared on XX/XX/XXXX for {$420.00}. * This amount was more than the minimum {$400.00} payment* It was processed as a interest only pament. I contacted amerihome mortgage and they assured me it will be fixed very quickly. i waited 16 days. I have had a difficult time with them in the past, where I was being taxed in escrow - but I am exempt from taxes.That was from XX/XX/XXXX complaint. I never received credit towards principal or refund from that issue. So I was worried that they were going to report me for not making my XX/XX/XXXX payment I made another payment on XX/XX/XXXX in the amount of {$400.00}. Then I the received a letter stating my escrow account was going to have a shortage. I understand my homeowners insurance is going up {$130.00} a year, and my pmi is going down {$11.00} a year.I had two choices, either send in a escrow only payment for {$200.00} and my new payment would go up to $ XXXXOr I could also do nothing and my new monthly payment would be $ XXXXi called XXXX about this and was told no matter how much I paid extra into interest/insurance escrow only my payment would not be allowed to go back to the {$400.00} payment I struggled to get when they where collecting taxes ( which were never paid cause I do not pay taxes ) So paid online on XX/XX/XXXX $ XXXXToday is XX/XX/XXXX, there website, phone tree states I owe {$430.00} coming up first of XXXX. They have also reported to the credit bureaus that my home Loan actually increased {$170.00}, and that my minimum payment is not {$400.00} or {$410.00}, but {$430.00} this was reported to them after my XX/XX/XXXX payment of {$200.00}, I requested a new account analysis because the amounts of money in escrow seemed greater than what was stated in the letter .My payment due date is fast approaching for XXXX. I know understand why they first told me when I got the loan that I would receive a payment coupon book. They said no, I will not receive a payment coupon book.So they can change my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: MI
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/2023, a hard inquiry from XXXX XXXX was placed on my Equifax credit report without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: DE
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:
The following inquiries are fraudulent and need to be removed from my credit report immediately, someone has been applying for credit in my name. When I contacted the companies listed below and the three credit bureaus they were unwilling to assist me with getting these fraudulent inquiries removed from my credit report. The following inquiries are fraudulent and need to be removed immediately from my credit report : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an extended fraud alert beginning in XX/XX/2019. It SHOULD be there. The problem is that it has an old phone number, for which I am no longer the owner. Equifax and XXXX have barred me from updating to my current contact information. I have had repeated problems with attempting to use my own information, as the phone number is no longer mine. Equifax and XXXX have not allowed me to update my own information in the alert and it's causing me problems in using my own credit information to obtain services and goods. I have tried to fix this for FOUR years now to no avail. Not for lack of trying!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone purchased XXXX XXXX XXXX tickets with my information transaction date XX/XX/2023 with 2 transactions. {$550.00} and {$440.00}. 

I disputed with Bank of America. Through their investigation they determined that I had received the service that XXXX charged me for. I did not make any transactions with XXXX. 

The day the charges were made I was flying out to XXXX. So my location is proven with my travel documents which is around the time the transactions were made. The location of the purchaser must be determined to further provide evidence that I did not make those transactions.

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 2023-02-26
Company: LFG Data Services Holdings, LP
State: TX
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:
the company XXXX XXXX XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/XXXX for a debt that was never owed with an innacurate amount and bought from another company when I never signed any documents this debt collector that must be removed as soon as possible having no responsability of the debt. 

In Accordance with the Fair Credit Reporting act XXXX  the Account from, XXXX XXXX XXXX last date of the last activity Date XX/XX/XXXX account number XXXX has violated my rights. 15 U.S.C 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX I filed a complaint with the Office of the Comptroller of the Currency ( XXXX ) against Capital One, NA. The complaint, see attachment, was concerning an auto loan Capital One continues to report, as of XX/XX/XXXX, to XXXX CREDIT BUREAU as a delinquent auto loan. In a letter dated XX/XX/XXXX, the OCC informed me that it contacted Capital One, NA regarding this matter and that Capital One had responded. The OCC further explained that if I " wish to dispute the bank 's position '' that I would need to follow up with this agency, which is what I am doing now. Capital One, despite its response letter, see attachment, can still collect on its purported loan although no title has been issued by the New Jersey Motor Vehicle Commission under my name. An assignment of title is required to show the purchase of the car. I stopped making payments on the purported loan in XX/XX/XXXX. Therefore, the 5 year limitation allotted to Capital One to dispose of such asset connected with a debt previously contracted that was established through OCC regulations has expired, see OCC complaint. Apparently, the car does not serve as proper collateral for the purported loan because of the numerous dangerous nationwide recalls, including leaking gasoline pipes in the engine. Capital One can still file suit against me because Capital One was allowed by the US District Court of New Jersey to collect the purported auto loan debt in a federal lawsuit I filed because Capital One is a National Bank. The Third Circuit Court of Appeals judges also affirmed Capital One 's counterclaim against me and even ordered me to pay Capital Ones litigation costs for the appeal, see attached Petition for Panel Rehearing and Rehearing En banc. The chief judge 's denial of my Petition was limited to panel rehearing only, " XXXX XXXXXXXX XXXX vote is limited to Panel rehearing only. ( TMM ) '' see attached email from the clerk of the court. I am afraid that Capital One can still collect on the debt through the courts in New Jersey as it did in the US District Court and Third Circuit Court of Appeals, except for the chief judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
AMERICAN EXPRESS and solely AMERICAN EXPRESS company has affected my credit score and utilization ratios. 

In XXXX, American Express reviewed my AMEX Platinum card and reduced its limit from NO LIMIT to {$2800.00} bringing that card instantly to a 42 % utilization ratio. 

This adverse action by them then affected my credit score, which brough it down and therefore affected the way my credit is reviewed from that point forward. 

In XXXX, American Express, once again " reviewed '' my credit and decreased my AMEX blue, which had a credit limit of {$10000.00} and a balance at the time of {$5500.00}, down to {$6100.00}. That brought my utilization ratio to 90 %!!! It also brought my credit score down once again. 

They then " reviewed '' my credit once again after their prior decreases and took an adverse action to now reduce my AMEX business card from {$2900.00} to {$800.00}. With only a balance of {$370.00}, it brought my utilization ratio to 46 % They also created a preset spending limit on my business card. 

I contacted them on XX/XX/2023 in order to reach a compromising resolution for both parties and their only response was to wait for another " review. '' I noted to them that if they don't reverse some or all of the decrease 's, then they are putting me in an unfair advantage of having my credit affect me adversely for anything else. They did not care nor did they offer any reasonable resolution. 

The ONLY credit card company in ALL my history of having credit cards has been American Express to use my credit and their adverse actions to decrease my limits, therefore affecting my utilization ratio across all my credit and bringing my credit scores down even further. 

It is noted that the FAIR Credit Reporting act is supposed to make companies use information within your credit reports in a FAIR way. American Express has found a way to unfairly review my credit reports and NOT take into any consideration my actual credit history. I have never missed a payment. I have paid above my minimums and always way before any due dates. I have paid off all my debts before ( just last year I paid off all my debt. ) I had never held an American Express card. I had worked on raising my credit over years. When an American Express was offered to me, which was the Platinum, I saw it as a benefit for my credit history. I regret entering into any credit agreement with American Express as they are unfairly dismantling my credit month by month without a FAIR and reasonable reason. Their actions and so-called " Reviews '' of my credit have brought my credit down over 20 points since XXXX. 

This MUST BE HELD as an UNFAIR Credit practice! Consumers should not be punished for doing what it is they are supposed to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I received an email from XXXX on XX/XX/2020 about a Netspend card that was mailed to me. I never requested this card, so I thought it might be a scam email. I ignored it. 

On XXXX, I received another email saying, " XXXX, a couple of weeks ago we sent you the Netspend Prepaid Mastercard you requested, but we noticed it hasn't been activated yet. '' I never requested this card, so I tried to call the company to inquiry about it. 

At the bottom of the email, I see fine print saying, " This message is an advertisement. '' If it is an advertisement, there is no way I could have requested it. The company is lying to me and gaslighting me into thinking I opened an account. 

When I called to inquire, I needed the 16 digits on the card to close the account. No card was ever sent to me, so not only did this company open an account in my name, but they also will not let me close it.

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 2022-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to close an account, but Bank of America is forcing me to call a phone that doesn't work. They are making this process purposefully complex

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 : Account number # 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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} US DEPT ED XXXX DateOpened : XX/XX/XXXX Balance : {$11000.00}.

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