BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: WI
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:
In the sale & transfer of a credit card portfolio between major banks ( XXXX 's to Comenity ), I accidentally directed a sizeable payment from my XXXX deposit account to my Mastercard account number at XXXX 's. The payment has neither been refunded by XXXX 's, nor remitted to Comenity on my behalf despite my inquiries. Proof that XXXX 's processed and accepted my funds in the amount of {$1800.00} has been furnished to XXXX 's by XXXX. Despite this, and multiple phone calls to XXXX 's, this issue has not been resolved. 
Following this, I reached out to Comenity to try and resolve this issue ; I sent a detailed breakdown of the payments as follows : XX/XX/2022 - {$230.00} XX/XX/2022 - {$460.00} XX/XX/2022 - {$1800.00} - these payments were to XXXX 's ( not realizing the account had been sold to Comenity XX/XX/2022 ). Also, I'd looked at the wrong amount when I made the final payment of {$1800.00}. The original charge to the account was in the amount of {$1800.00} Upon receiving statements from Comenity Bank saying I still owed {$1400.00}, I realized the account had been moved from XXXX 's. Filing disputes with both XXXX 's and Comenity, I continued making payments so as not to accrue anymore late payments. The following payments were made to Comenity as follows : XX/XX/2022 - {$29.00} XX/XX/2022 - {$370.00} XX/XX/2022 - {$1000.00} In conclusion, I have paid {$2500.00} to XXXX 's and {$1400.00} to Comenity Bank for a total of {$3900.00}, when the original charge was {$1800.00}. 

XXXX 's has completed its investigation- per a letter from their Office of the President- and haven't located the missing funds. It is now in the hands of Comenity Bank. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my 1st loan and must close escrow at the end of XXXX. My loan with SPS is my 2nd therefore I need to get a subordination. I started the refinance process in XXXX and in XXXX my lender repeatedly reached out to SPS in regards to the subordination but never got a response so they asked me to contact SPS. In early XXXX, I reached out and SPS sent me the list of requirements for the subordination package. OnXX/XX/XXXX, my title company sent in all the requested info. As of today, I have not heard from SPS. I called a couple of times and have been given varying information ranging from " there's no new entry in your account '', " it normally takes 30-45 days '', " there are no timeline requirements '' and " unfortunately it can take a long time ''. I told them that I just wanted to confirm that the request was being worked on and what date it was received but I was told that the received date was irrelevant ( as it wasn't looked for or found ) and that yes it was being worked on ( although it wasn't checked '' ). 

I previously spoke to an ombudsman, XXXX, regarding another issue with a " lost '' Note and I mentioned to him that I was in the process of submitting a subordination packet and he had advised me that once it was received it would take up to 14 days to process and return. 

At this point, I just feel helpless as I have not been able to get any type of real answers. 

I have had several issues already including a lost and unaccounted for payment when this loan was first transferred to SPS and also a Note that could not be located. The Note was needed as part of my refinancing and there was a delay of more than a week before SPS finally found my Note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
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:
I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: NCC Business Services, 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 was told by XXXX XXXX XXXX XXXX XXXX in XXXX Florida once this debt was paid off it would come off my credit report, as of this date it still remains on there. It was paid in full in the amount of XXXX on XX/XX/2018. That means it remains on my credit report for 7 years which is ridiculous, it was paid again in full, not settled in full but in full. That decreases my credit score when it comes to even getting car insurance, and 7 years is the going rate for XXXX XXXX in a number of states, I've went through this with another company before, they should not be permitted to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know what to do. I am a victim of identity thef and I need help because my credit has really been affecte. 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 affecte 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 2019-06-01
Company: Colony Brands, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX I contacted XXXX XXXX to pay a old debt was on my report XX/XX/XXXX as a charge off the company offered a settlement to pay account in full of XXXX and told me they would update my account with XXXX XXXX and contact them, well they did not I had to contact them twice to get a letter stating account settled in full .now XXXX XXXX has reported a charge off on my credit report a month past due on my credit written account off yet again on remainder balance of of XXXX which I had told them I would pay full amount on the phone at collection agency .I should not be getting hit with something when I have a letter saying account balance XXXX account setteled in full they have ruined my score it has brought my score down by 30 something points this month I had just moved up from the fair mark I have worked very hard to clean up my past mistaske this is taking to long to fix when it is clearly in black and white this is very unfair and unjust

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: LA
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 3 Credit Bureaus dated XXXX to update this suspicious information. I think you have not validated these items 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, and I'm including them again. 
Original Creditor : 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 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 2022-07-25
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry XXXX 15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I submitted a complaint to XXXX XXXX XXXX and XXXX XXXX that had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.

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 2023-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 XXXX removed a delinquent account from my report due to improper reporting on an account. On XX/XX/2023 at account was put back on my report. It is XXXX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

XXXX is reporting XXXX inaccurate late payments for the JPMCB account XXXX. These include a 30 day late payment posted. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in XXXX violating my federally protected consumer rights. To add to this, I did NOT give XXXX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that XXXX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the XXXX XXXX and Equifax and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX2019 I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account ( screenshot attached ). I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA gave a partial refund, but said they could not issue a complete refund for this outrageous fee because they said it's a Federal Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Innovate Managed Holdings, LLC
State: OR
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/XXXX, I received an alert that I had a new hard inquiry on my report, but knew that I hadn't applied for a loan or new line of credit. When I looked at my report, it appeared that Innovate Loan Servicing had made a hard inquiry. I had never directly applied for a loan with them, but in XXXX of 2020, when applying for financing for a car, XXXX XXXX apparently shopped my info out to them. I did not take a loan through them at that time and was excited for their hard inquiry to drop off of my report in XXXX. 
I reached out to them by phone and email, more than two weeks ago, but have not received a response in either form. I requested they report to the three credit bureaus that I had not applied for a loan with them. It's frustrating because I had worked hard to get my score to XXXX, and this inquiry that I did not make has taken that away from me. 

Their contact information : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: NV
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 went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had multiple problems trying to pay my bill this month through the app and website. 
Attached is a screenshot of a persistent error message. 
By the time I was finally able to get a payment through it forced it to post the next day as errantly late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16
Company: WELLS FARGO & COMPANY
State: TX
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:
An employee stole a credit card from us and used it for several months, making hundreds of purchases for thousands of dollars... The card was not issued in her name and the personal charges were not authorized. During this timespan, it was discovered that our business card was also fraudulently used for about XXXX charges in XXXX XXXX. These fraud charges were made by making XXXX separate charges, all XXXX fraud charges were made in one day, roughly {$6000.00}. Wells Fargo fraud department did not catch this obvious fraud for the charges made in XXXX, and they also have refused to refund the money, actually they described the charges as authorized... 
After making this discovery of the fraud in XXXX. The employee who was fraudulently misusing the card to make personal charges called Wells Fargo impersonating the card holder of the card she was misusing, and fraudulently persuaded Wells Fargo to send her another card. Wells Fargo issued her a card, that was not in her name, but also they did not even verify if the card they were issuing was for a person employed by my business, which it was not. 
Criminal charges have been filed and the District attorney plans on perusing my case. But Wells fargo has refused to return the fraudulently stolen funds. 

There was another card that was fraudulently used by this person. XXXX has found that the charges are fraudulent and they have returned the stolen money to my business. However, Wells Fargo has refused to return the stolen funds.

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