BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-24
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers. 

They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase. 

Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.

I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly remove the late payment from credit report. 
I always pay on time. This is causing me a lot of stress.

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 2023-07-25
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
So for over the last 6 months. I've been having issues getting destiny Mastercard to accept my monthly billing payments I enter ( using XXXX XXXX XXXX account ). It says payment received an I get a receipt then like a week later it shows reversed. My account was closed due to : to many reversal payments reasonings ( insufficient funds ). But my bank statements can verify that every Friday there's money an that I do indeed have receipts indicating paid them reversed. This issue is still happening even though my account is closed due to error on their behalfs. I accepted that decision an just been making payments til it's all over. I told them my problems are the same today and I was not getting help I needed to fix their errors. I've been building credit an it's like everytime I pay in advance ( before billing date ) to help out my credit. They over turn it back to my account after receipting payment received. Please go over my whole Mastercard reports to correct over charges, fees late fees and, or interest /credit downgrades to where they re all suppose to be. So I can respectfully pay the remainder owed. But I need it corrected first When I make a larger payment other then minimum it reverses if it's minimum they accept! Idk why they are doing it, besides insufficient funds that are not insufficient. Proving so with date to date statements

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent a letter certified to XXXX, XXXX, and Transunion on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me XXXX  as I am already getting over XXXX and I can't handle any more XXXX. I asked that you follow the law as you expect me to do and address my concerns in my letter.

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 2023-12-04
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until 2025. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, XXXX XXXX has since been able to report any updates or issues from then on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
This complaint is against LexisNexis Risk Solutions for violations of the FCRA for reporting and selling inaccurate information specifically a public ( bankruptcy ) record to the major credit reporting agencies, while stalling my request for an investigation, and ignoring my request for their method of verification. 

On XX/XX/2020, I submitted a certified letter asking that LexisNexis verify the public record with the Courthouse to correct the information, or delete the bankruptcy record from my report. 

On XX/XX/2020, I received a form requesting additional information, which I submitted on XX/XX/2020, using certificate of mailing. 

A few weeks latter I received a letter with no changes to my report. 

On XX/XX/2020, I submitted a letter using certificate of mailing requesting their method of verification, and NEVER received any response, and the public ( bankruptcy ) record remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: HI
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 had not used my XXXX credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had zeroed. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that XXXX had reported that I made a late payment so my application was declined. 
Multiple attempts with XXXX to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
2016 my Comcast account ( now known as XXXX ) was closed. The account balance was subject to a return of equipment ( a remote control device ). They billed {$800.00} for the equipment. I had a conversation with a representative about how to resolve this matter. The company 's required me to either return the devices or pay the the fee.after two years I have retrieved the device. I have tried to contact the department that could provide closure to this matter and remove the erroneous item on my credit report, to no avail. I also sent them a verification of the account reported on my credit history, With a 45 day response, to no avail. I reported this information to the credit bureaus but they did not properly process my findings. 
I have the device in question and would like the negative item removed from my credit history.. 


The account number associated with this matter is XXXX XXXX XXXX This account was closed in 2016. By my account this is 7 years ago.. it should be removed From all three credit bureaus agencies..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 haven't been able to get a credit report from Experian in years. Any big purchases Experian does not show up. It has caused great trouble trying to buy a home and a car. When they have looked into it they have said it's an address problem. I have sent documentation in with my proper address, and this keeps happening. I was recently notified of a data breach by XXXX, and they told me to sign up with Experian so I can monitor my information, I reached out to Experian the same thing happened again. They are unable to identify me and my address and asked me to send in documentation proving my address. This has been going on for over a month and no one has been able to solve the problem. Today, XX/XX/XXXX  I am AGAIN mailing in documentation proving my address. I just hope in the meantime my information is not stolen or compromised. This has been happening for years. The problem is I am not aware that it is a problem until I go to make a big purchase. I went to buy a car and I get " Experian is not showing up on your credit report. '' I call Experian and they say " we need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate security questions. please send in your ID and a bill with your address on it so we can add it to your credit report. Then they say the problem has been solved. 

A couple of years go by, I try to make another big purchase and I get " Experian is not showing up on your credit report. '' I call experian and they say " we need to verify you are who you say you are, and we need to generate security questions. So sorry, we can not generate these security questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. '' Then another couple of years go by and I now have this data breach and I call experian and guess what happens? " We need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate these questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. PLEASE HELP.

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 2018-10-04
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
n XX/XX/XXXX we were finishing up on what was difficult to get modification and I XXXX XXXX all payments with correct amounts yet last one was rejected by ocwen and I had to get it back and resend than I had to verify that that was the amount owed and now that I had to reapply for modification. we were told application would be sent and nothing than after several calls now closer to XXXX there was a sale dateXX/XX/XXXX now several calls to higher up and assistance by XXXX XXXX a real estate agent and legal assistant we stopped it. we had verified all documents were received and still waiting. since they delayed we needed updated information. than XX/XX/XXXX we are informed my father was in BK which he wasn't. Ocwen refused to speak to us and never informed us further until late XX/XX/XXXX. an agent slipped agent from ocwen XXXX XXXX  said a bankruptcy case # XXXX, lawyer XXXX XXXX. XXXX XXXX XXXX that a cease ans desist was placed on ocwen loan XXXX XXXX XXXX/ XXXX XXXX  XXXX so now after 10 months of them refusing any kind of communication with us that we now have to resubmit modification documents in which submitted over 36 times with confirmation was received than need information to trying to stop sale dates. now we don't qualify due to second etc. so under duress we requested to short sale and submitted all documents now 2nd note wasforgiven and and all papers have been signed about 6 to 7 times a confirmation all docs received now a deed in which was submitted in XX/XX/XXXX ocwen agent XXXX that laws changed and that deed for XXXX XXXX is fake and that we provided false document in which it is valid recorded and this is now beyond we have signed over 5 times and submitted since XX/XX/XXXX and still I filed a complaint with the abundance department I don't know what to do anymore I need assistance and there are too many documents to submit I can and will mail to address filed for modification over 36 times on shortsale it states we never requested modification in which we did at this point we just signed under duress.

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 2020-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Capital One, I am member since XXXX and I am maintain my capital one account good standing. 
I paid of my account last month full and they have a interest fees on my account {$23.00} I called XX/XX/XXXX XXXX PST your called center and answered Mrs.XXXX  ( Employer ID # XXXX ) asking please waiver that fees and they she treated me very unprofessionally and refused to waive that fees. 
I asked to transfer supervisor and she said she the one big head of this department and she refused to transfer manager as well. I am so angry and I paid {$23.00}. 
I just wanted to tell your management not a good way to handle customer service like that. 
This is a complain about bad customer service experience about Mrs.XXXX. 
I felt discrimination due my talking ascent. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Earlier this week, I submitted a partial payment on my student loan with AES, which was late at the time, in the amount of {$60.00}. Their system pulled the full monthly total of my loan, {$390.00}, from my deposit checking account, which triggered a significant overdraft. As a result of the initial overdraft, three other pending transactions also overdrafted on my account, which will trigger additional fees.

I contacted AES today when I attempted to buy groceries and found my account was in overdraft status. They recommended that I follow up with my own bank, XXXX XXXX, and put a stop payment on the transaction. Unfortunately, the window for that request passed, so the funds went out. 

AES did not know why their system pulled the incorrect amount. They did acknowledge that I inputted the payment amount manually, but they offered little insight into how their payment system failed. 

AES may refund the money, but I am now with a negative balance until my next paycheck, which will now be that much less due to fees and the original overdraft amount. AES acknowledged that any refund could take weeks and would impact my account status. I requested that they file an internal complaint to track the matter in case this was impacting other borrowers. 

This is their system 's fault, I've been harmed financially, and I believe this complaint is justified under the circumstances. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, one of our promotions with Best Buy ( citi bank ) was expired. We call on Sunday, XX/XX/XXXX and the lady we speak to said we were giving until Tuesday XX/XX/XXXX to pay an amount of XXXX, and that they would take away the interest. So thats what we did, we call the XX/XX/XXXX but that day they were not validating there word. And the manager was giving false information saying he had a call on Saturday the XX/XX/XXXX. Also he said that they had giving us that exact day to pay and if they check there call they never said that. They had giving us until the 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 2023-01-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I sent a {$2000.00} payment on XX/XX/XXXX to Commenity Bank  for my XXXX Mastercard that did not post to my account until XX/XX/XXXX. 
I called the company on XX/XX/XXXX and they claimed they never received a payment. I then sent a payment for over {$4000.00} to pay off the card and sent it certified mail. 
The first payment then hit on XX/XX/XXXX, almost a full month after I sent it. 
I then checked my certified mail receipt and found that the company had received it on XX/XX/XXXX. They did not post the payment until the 10th, collecting more interest.

I immediately called and ask for a refund and explained the situation. They said they would issue a refund but it could take up to 15 days. I also said I wanted a refund of the interest charged since they didn't post either when they were received. 
They submitted a investigation and sent me something that said they confirmed it was received on the XXXX  which is not true. At that time they said they would send my refund but it would take another 15 days. 
I spoke with a supervisor, XXXX, just now and it still has not even been issued. I have proof of receipt and they have been holding my {$2000.00} for almost a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$370.00} XXXX XXXXXXXX {$46000.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$6800.00}

Company response to consumer: Closed with explanation