BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card. 

I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX  card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX. 

To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs. 

In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX  on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX  in accrued interest. 

What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated. 

I reached out to the company to refund XXXX  accrued charged but they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent letters to CONVERGENT OUTSOURCING on XX/XX/2020 and XX/XX/2020 and have not receive anything from them concerning the alleged debt of XXXX that i don't owe.I know that it is a violation for not responding within the 30 days allowed, and i am planning on contacting my attorney to handle this matter.i have attached the copies below for my record.

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 2023-09-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: Store credit 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:
I have a late payment on my report from XXXX 2021. Late payments should be removed after 24 months and it's been 25 months

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 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 non-monetary relief
Consumer complaint received 2020-09-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On Mon., XXXX XXXX, 2020, I received two ( 2 ) letters from Select Portfolio Servicing regarding allegation that they received my regular monthly payment late. First, I have had this conversation to SPS in the past that I do not pay anything on the first day of the month, and that by law I have at least 10 days to make payment. My payments are mailed by the fifth day of the month once funds are in place by the 3rd. SPS ' representative named XXXX said he would notate that I did call but could not waive late fee. I reminded XXXX that due to President Trump 's effort to shut down some post offices and the slow down due to COVID-19, it was not my fault my payment arrived later than usual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Square Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Thursday XX/XX/XXXX there was two transactions with application called cash app. They were canceled by cash app for my protection and said that the funds would be refunded back to my bank account. Both transactions were for {$150.00}. I have called my bank and they dont see that its pending in my account. I have tried reaching out to cash app via email and have only got the same response every time. They said the funds will be there on Monday XX/XX/2020. And I yet to have my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
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: Account status incorrect

Complaint:
Adverse Account Reported by TransUnion by XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX regarding XXXX account placed for collection in XXXX, Balance {$220.00}. We have been XXXX XXXX customers for over a decade. XXXX came to our house with a free offer to sell their service and we declined at that time. We did not receive any services from them and have notified them of this issue. XXXX has not responded to our notifications.

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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, XXXX, MA, account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 
15 USC 1681-602A states I have the right to privacy. 
15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am not liable for these debts, I do not have a contract with these collections and they did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

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 2020-09-21
Company: Westlake Services, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Westlake Financial is a creditor that gives pre-qualifications through XXXX. You can get a pre-qualified offer that can be submitted to various dealerships and is supposed to closely match what you would be approved for. I submitted information for a prequalification on XX/XX/XXXX, but instead of just getting a pre-qualification, my XXXX  credit report was pulled. XXXX and Westlake financial assure potential consumers that credit will not be affected. My score dropped 21 points as a result of this pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Byrider Franchising, LLC
State: NC
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:
The Company CNAC, XXXX XXXX XXXX XXXX, XXXX NC, XXXX - Ph. XXXX reported to the Credit Bureau that they repossessed a vehicle that I began paying payments on in 2015, and paid the vehicle off early that the extended contract was written for. The following year when I applied for a VA loan to purchase a home, I learned of the report of the repossession. I contacted CNAC and the manager explained to me that the repossession was reported in error. The manager, XXXX XXXX, wrote me a letter explaining the repossession was an error by the company, and in the letter she she explained that anyone with questions could contact the company at the above address and telephone number. This has had a devastating impact on my finances and my living situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX NC XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 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 2020-09-21
Company: SYNCHRONY FINANCIAL
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/2020, I purchased merchandise at a TJ Maxx Store in XXXX, Oregon. At checkout, I was solicited by the cashier to apply for a TJX Rewards Platinum Mastercard and if approved, would receive a discount on my purchase. She repeatedly, at least 3-4 times assured me that this was not going to result in a credit inquiry, and was simply a " soft pull '' with no credit bureau reporting. I told her this was critical as I was about to refinance my home and did not want to negatively impact my FICO score. She said she was 100 % certain that no credit reporting would be done. With that I agreed. The following day, I received notification from XXXX, XXXX  and  XXXX  that Synchrony Bank had pulled my report and my FICO has dropped 100 points as a result. Incensed, I contacted Synchrony Bank to report what had occurred, immediately cancelled the account, and demanded that they contact the 3 bureaus to rescind the inquiry.  They agreed to do so but said it would take weeks for the agencies to reverse the inquiry. I followed up 3 more times in the next few says and agents I spoke to reaffirmed that this had been done. I also contacted the agencies and sent letters confirming my discussions with Synchrony. Additionally, I contacted the Manager of the TJ Maxx and he apologized, acknowledging that the lady misinformed me and he would take proper action. He even reversed the charge and sent a small gift card to evidence his apology. I just received letters from Synchrony and XXXX  this week informing me that the inquiry is valid and will stand, contrary to what was mentioned during my multiple phone conversations with both. Meanwhile, with a lower FICO score, i am unable to complete my refinance, as the higher rate will raise my monthly payment on a 30 year mortgage by {$200.00} a month. Would greatly appreciate your help and support to mandate the lender to remove this inquiry.

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 2023-09-22
Company: Torres Credit Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im not sure what happened as this just recently appeared on my credit report in the past month. Yet it says date opened in XX/XX/XXXX Thats not possible. I have copies of previous reports and this was not there. I have had issues w/multiple accounts in the past in regards to identity theft. ( see attached report ). 

I believe this to have been opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: SYNCHRONY FINANCIAL
State: UT
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:
To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Pay Pal ( SYNCB/PPC ) for many years. During our business association, starting in XXXX of XXXX, I have honored and respected my account agreement to the fullest and appreciate your outstanding service. 

Unfortunately, in XXXX of XXXX, I had fraud on my card tied to pay this monthly payment for my Pay Pal account. As a result, my payment was delayed. Because your account with me is important to me, I managed to catch up on the late fee. I ensured your company suffered no loss. Since opening my account with Pay Pal 6 years and 9 months ago, I have been current on all payments, except one, due to fraud, causing my credit card that pays this balance to close. Again, that is a 99 % payment rate for roughly seven years.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now this one single payment late mark on my credit score is causing me tremendous stress. I just had a baby XXXX XXXX XXXX, and my husband and I are trying to settle down and build our home. Unfortunately, this process has been delayed with our Mortgage lender due to this missed payment. 
This is where my " Goodwill Request '' comes in. I desperately need this to be removed from my credit so my credit will reflect my true genuine payment history allowing my husband and I to get the mortgage necessary to build our home for our family. I would greatly appreciate it if your company would comply with the UDF Universal data Form and Fax it to the credit Bureaus to remove this late charge entirely. The credit bureaus have advised me that they will report anything instructed by you but then need to have those instructions in writing. 

I would also like to ensure my privacy is protected. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states ; I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency cannon furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Again, I would be grateful if this late payment reported to my credit in XXXX XXXX XXXX  could be removed along with a notification sent to the Credit Bureaus of removal. Again, I thank you very much for your time and consideration. Please contact me if more info is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Your Account Dispute has been updated. 
XXXX XXXX, XXXX  The dispute for the account with XXXX  XXXX that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XXXX XXXX, XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from XXXX. I am shopping for a Used car and now having a tough getting a car loan approved as XXXX decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from XXXX we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other Credit agency Trans Union and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXXXXXX XXXX / 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

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 2023-09-19
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting 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:
Recieved a notification that JPMCB Card Services ran my credit report and I have no idea why. I never applied for anything, I do not bank with JP Morgan or Chase, I did not authorize a credit check for anyone or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Vehicle was towed by the city of XXXX XXXX  then sold to another person over half a year later and now they are claiming I owe them XXXX for storage fees after the vehicle has been sold and I had spoken with them previously letting them know I no longer wanted the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation