BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a XXXX credit card with Comenity bank in XXXX XXXX. Since opening I made two purchases on the card. The first payment for {$120.00} was made on time. They did not give me an option to sign up for automatic payments so I had to manually make the payment. 

I made a second purchase for {$29.00} on XXXX/XXXX/XXXX. I assumed the account was on autopay and did n't check to make sure the bill was paid. They had sent me emails but I did n't check them. I got a call from them on XXXX/XXXX/XXXX asking me to pay all outstanding balance. I told them I missed the payment assuming it was on autopay and asked if they can reverse the late fee of {$29.00} XXXX at this point my payment was {$29.00} purchase + {$29.00} late fee ). They responded rudely and said they 'll report the account as " not intending to make a payment ''. I was frustrated with the experience but I paid off all outstanding balance XXXX {$58.00} online payment ) and closed the account. 

I received an email on XXXX saying there is a balance of {$34.00} on the account. When I checked, I see a new late fee charged on XXXX for {$32.00} and another {$2.00} fee on XXXX. All this had been charged after I paid all outstanding balance on XXXX. I called them today and they said I need to pay all outstanding fees otherwise they will continue to charge me more fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are 7 to 16 items from ten to fifteen years ago that have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Credit Karma, LLC
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with credit karma money spend with no issues with direct deposits up until recently when they decided to send me an email regarding closing my accounts on the XXXX, within 6 minutes of that email my accounts were closed and I was awaiting a direct deposit of XXXX  dollars into my spend account. I had that direct deposit sent on the XXXX and successfully processed on the XXXX of XXXX, account closed on the XXXX of XXXX and now I have been back and forth with credit karma and the sender as well as mvb bank who processes payments for credit karma and no one can give me any answers about where the money is or when Ill get it. In fact nobody can find the information, the sender has sent it and I have the transaction id number but it still cant be found. I am beyond frustrated at this point and wish I had Been given at least time to change bank info before they closed account. I recently lost my father and this money will help with funeral costs but with no idea when Ill actually receive it, Im in a tight spot now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.

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 2017-08-16
Company: AMERICAN HONDA FINANCE CORP
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Near the end of my lease at XXXX XXXX of XXXX, I went into Honda to see how much it would cost me to finish off my lease. At the time they told me that I would need to get an inspection. I took it to XXXX XXXX XXXX to get my end of lease inspection. Upon the inspection I was asked by XXXX XXXX of Honda if I wanted to " sell my car to XXXX XXXX  XXXX to avoid any other fees ''. I said yes and was told that with my signature, the car and any leftover payments were no longer my responsibility. At that time, I asked about the turn-in fee that they are now trying to hold me for. I was told by XXXX XXXX XXXX that " you will not be charged this fee, because you did not turn in the car, It was sold to Honda. '' I then checked my account a few weeks later and saw that I was being charged the XXXX fee that I was told I would not be charged. I called XXXX and he said " do n't pay it and have them call me '' Which I did. After days of phone tag I was told that they were mistaken and that I owed the fee. If I had known this I would have paid it immediately as I had the money at the time. Now, I do not and feel like I am being given the runaround and being taken advantage of. I have since sent several letters about this matter that have been completely ignored by American Honda Finance. I have also been told in a letter that my account has been charged off and will be sent to a collection agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone used my information to open up several accounts. That opened 5 retail accounts and bought a couple of cars in my name. The retail accounts were turned over to Midland credit management and they had filed a lawsuit against me. I disputed them and they stopped the lawsuit and than sent me a letter saying that they finished their investigation and I was liable for them. They said if I had other information to submit they would investigate again. I sent them police reports copies of the girl who used my information and they still said I was liable. They have now filed another lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: NJ
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Medical Data Systems, Inc.
State: GA
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:
MEDICAL DATA SYSTEMS & MEDICAL DATA SYSTEMS ( 2 ) There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorfalse claim and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

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 2021-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX- XX/XX/XXXX, XXXX XXXX XXXXXXXX-XX/XX/XXXX, XXXX- XX/XX/XXXX- XX/XX/XXXX, XXXX   XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX-XX/XX/XXXX, XXXX   XXXXt-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX. I just want it noted that their Customer service Representative would not help take care of the negative inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was notified via email alerts that an account for a student loan was opened in my name by all three of the credit bureaus. Following the directions on identitytheft.gov, I contacted all three bureaus to place a freeze on my credit reports as well as printing out current credit reports from each bureau. Both XXXX and XXXX were able to verify my information base on the information in both credit reports and place freezes on said reports. Equifax, however, was unable to verify my information and it was at this time that I realized that my birthday was inaccurately reported on their credit report. Furthermore, the information that they asked me to verify my identity was different than the information that I obtained as of printing out my credit report on XX/XX/2019. The last employer listed on the credit report I obtained from Equifax 's credit service was from the mid XXXX 's. I find it inexcusable that Equifax not only can not maintain accurate information on my credit report, but then does not provide current and accurate information when I request my credit report from them. This has cost me valuable time in trying to resolve a fraudulent account being opened in my name and with my personal information. Even worse, I have a credit freeze on my credit report through Equifax that is supposed to prevent accounts being opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Flagstar Bank, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with Flagstar Bank and XXXX XXXX XXXX to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with flagstar bank. The address, phone numbers and emails that Flagstar had on file did not match with any of my personal information.

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 2022-04-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2022 at XXXX, I received a text from XXXX. I did not click on the link as I do not have a Citibank account. Here is what the text : / Citibank/ We have closed your citibank account for security reasons please verify Your identity XXXX XXXX XXXX? c I copied the actual text and pasted it fir you all to read. You will notice how the text starts out with a / which is not how banks do their texts. There is also punctuation problems as well as a capital letter where it shouldn't be. Banks never ask for your information. 

Thank you for your time. Hope this helps

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 2021-11-10
Company: CREDIT ACCEPTANCE CORPORATION
State: IA
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:
My monthly car payment is and has been set to come out of our account on the XXXX of every month via auto-pay. I have not missed a payment for a year. My husband misplaced his debit card end of XX/XX/2021, and when he went to get a replacement card I did not realize it automatically turned auto-pay off for our car note, seeing as our bank account information was included in the auto-pay and not just the debit card. XX/XX/2021 the auto-pay never went through, which I was completely unaware of as I had just had a baby 4 days before, the last thing on my mind was checking my account to make sure the auto-pay went through as it has for the past year. We did not know the bill was late or hadn't gone through since we did not receive any calls from the company until after XX/XX/2021. As soon as we found out the auto-pay hadn't been paid for 60 days we quickly paid the bill for both months and got caught up seeing as the money was sitting in our account all along. However, this has effected our credit score drastically as they reported two missed payments in the last 60 days and I feel these late payments need to be removed.

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 2022-04-02
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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

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 2021-11-10
Company: Experian Information Solutions 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:
There is an incorrect Bankruptcy listed on my XXXX and Experian credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. XXXX responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). Experian has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.

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 2017-10-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XXXX XXXX, XXXX I sent written notification to Citibank via their electronic messaging system to close my XXXX XXXX XXXX credit card. I received confirmation the same day that the account was closed. I found out today, XXXX XXXX, XXXX, that the account is still open, recurring charges have been posting to it, and I was just charged the {$95.00} annual fee again. 

Some time between XXXX XXXX and today, the link for the messaging system has been removed and replaced with an " e-Communications '' link, and my previous notification is not visible. However, the previous messaging system and its contents are still available by linking directly to the site. This may be a simple oversight, or an intentional plan to deceive customers and continue to accrue charges and fees. 

I have contacted them again and am awaiting their reply.

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 2017-08-16
Company: Colony Brands, 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 was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have a partial account number which I will disclose later. I request my credit report and through it I learned there is a fraudulent loan reporting on the credit bureaus without my knowledge and authorization. The company that shows for is XXXX and claims that I am indebted to them {$5600.00}. While checking the credit report, I discovered this loan account was opened on XX/XX/2020 and the charges are still on-going with charge-off balance. This amount that is stating on my credit report and the loan account does not belong to me. I conducted some investigation and it led me to conclude that my personal information has been compromised because this is the work of an identity thief ( s ). I have never associated with this financial institution which bring me to the conclusion that my identity was used by unknown individuals that used and benefitted from services or good and monies on my behalf without my knowledge and consent. I have disputed the account with the creditor and with the credit reporting agency that this account is not mine and I am not associated with them. Yet, they refuse to take any action that of removing the fraudulent account from my credit report and my records entirely. This complaint today is being filed with the CFPB to inform the negligence of duty by the credit bureaus and the creditor as well. I have filed for an immediate block of this fraudulent account immediately upon learning of the existence of this account. Therefore, with this official complaint, I request from you federal agency to take an immediate action against the credit bureaus and the creditor as well to immediately initiate the block process to remove this fraudulent account permanently from my credit report and from my records. Additionally, the creditor must remove my personal information from their databases due to consumer privacy matter. I do not want my personal information to be shared with an unknown entity without my knowledge and 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 explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX XXXX : is double reporting a debt on my credit file with XXXX XXXX XXXX XXXX. They are reporting the same debt and this is a violation per the FCRA. I am requesting that this be deleted off of 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 explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.

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