BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is inaccurate information reporting on the credit report, That does not match the correct identification. There are unknown addresses that doesnt not match any personal records or Identity. These addresses are not attached to anything on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-26
Company: Bread Financial Holdings, Inc.
State: NY
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:
On XX/XX/XXXX via my XXXX card I purchased an external hard drive for {$76.00}. I was supposed to receive the item on XX/XX/XXXX. I did not receive the item. I called XXXX customer service and XXXX XXXX via email. They both told me to wait till XX/XX/XXXX for a response and they never responded. I requested a refund for the item- and have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is to describe an issue with the company Equifax and it's online account service MyEquifax regarding a credit freeze. The original credit freeze on my report/account was placed in XXXX. Around XX/XX/XXXX I placed an online request with Equifax to have a TEMPORARY freeze from XXXX XXXX, XXXX to XXXX XXXX, XXXX. It is now XX/XX/XXXX and when I logged on, I discovered via my account that the freeze had not been reinstated and the date of expiration viewed on my account was XX/XX/XXXX. This is 4 months past the requested expiration of the temporary lift. I verified the information by going to the " Freeze '' tab on my account which stated there was no active freeze. In attempting a subsequent temporary freeze, the online account stated that a lift was already in place and prompted me to change the dates to replace the previous lift. 
It is my contention that there was no freeze placed on my account from XXXX XXXX, XXXX to XX/XX/XXXX. The representative I spoke with could not explain the discrepancy in dates nor the lack of coverage and I am forwarding this information to CFPB in order to have the issue formally presented to the company to be investigated and resolved. Thank you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank o America has closed not just some -- but ALL of its branches despite a sign referring neighborhood BofA customers to their website to determine open branches. There are none! Customer service is non-existent with hour-long and more phone waits accompanied by recordings and cutoffs. Communications through website and email are are dead-ends. The security is such that it is impossible to get through. One e-mail was sent with documents attached but it is impossible to determine whether or not they were received as no verification or response is forthcoming despite multiple attempts at contact. A Death Certificate, Short Certificate/Letters Testamentary and copy of Executor of Will 's personal PA drivers license raise cause for concern that personal information, hacking worthy might be at risk. The Bank of America is sitting on a {$20000.00} CD needed to settle an estate in the COVID19 era with the bank apparently hiding behind the pandemic to avoid payouts and customer disservice complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: College Ave Student Loan Servicing, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On Monday XX/XX/2022 I was trying to refinance my home and it was made aware to me that someone has used my information to co-sign for a student loan through College Ave. the loan amount is close to {$8000.00}. I have never co-signed a document for anyone before and now this is holding up my process to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: AMERICAN EXPRESS COMPANY
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:
On or about XX/XX/20 I contacted American Express to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from American Express. Unbeknownst to me American Express had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
American Express is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on August 19- 16 days prior to the Comenity established payment due date. I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax, XXXX  and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report. I spoke to an Equifax representative who initiated a case on my behalf
with Equifax Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The Equifax business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.
I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the accuracy of the information reported on my credit report XX/XX/2017. I never received a response detailing the debts accuracy and fairness.

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 2022-08-05
Company: Mercedes Benz Financial Services
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:
called XXXX XXXX on XX/XX/XXXX, to buy XXXX Car which my lease will end in XXXX, informed me will send contract to email which will include all remaining payments and residual.on XX/XX/XXXX got contract fill it and send it back on XXXX XXXX XXXX  paid {$130.00} fees. 
XX/XX/XXXX called to ask about contract lady told me you need to pay {$2400.00} told her its included in contract she said you have to pay it, ask her if i am late she told me DUE DATE IS XX/XX/XXXX, SO I SCHEDULED PAYMENT ON XXXX XXXX XXXX my lender informed me that XXXX reported me late and my credit fell XXXX points, escrow is off.on XX/XX/XXXX SINCE XXXX XXXX  TILL XX/XX/XXXX XXXX XXXX TRYING TO REACH A SUPERVISOR AFTER CALLING ALMOST 11 TIMES BUT NO HOPE, MY LIFE IS RUINED ALTHOUGH I HAVE XXXX CARS FROM XXXX FAILED TO GET ANYONE TO SOLVE MY ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXXXXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XX/XX/XXXX NEGATIVE ACCOUNTS : - 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I had a brokerage account # XXXX XXXX I had an issue with their trading regulation. I decided to sell my position and when my trade were settled on XX/XX/2020 I decided to make two ACH withdrawal through XXXX XXXX. exhibit1 shows the returned ACH withdrawal. 

I then decided to withdraw the entire balance 0f {$9700.00} as shown in cash withdrawal with Merrill Edge. I had contact a certain XXXX XXXX from the brokerage who walked over the phone as i was making the withdrawal online ; this occurred on XX/XX/2020. 

On Monday XX/XX/20 I logged-on to Merrill Edge  and found an overdraft charge for the amount I withdraw, even though It was my cash and all settled cash. I have been threatened by an 18 % charge on the assumed overdraft. I called on XX/XX/20 and talked to XXXX XXXX who assured me there was no overdraft ; on that same day I also talked XXXX XXXX who also assured me not to worry. 

I logged -on to my account on XX/XX/2020 and saw the overdraft not cleared and that my own cash is now treated as a margin. I never had any outstanding margin balance and only draw the cash I deposited initially plus any profit I made o n my trades. Exhibit 2 is the last statement that show all cash was settled and there was no outstanding margin on XX/XX/2020. 

I believe this is pure racial bias and lack of cooperation from Merrill Edge to resolve any issues I had with this account. I really need your help with this unnecessary problem that should not have taken place. everything I tried to do with the account does not seem to work

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 noticed numerous accounts on my credit report that I did not open. I have listed the accounts them. I have also attached an identity theft report. I have also attached the dispute letter previously sent including documents to verify my identity. 

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 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 2023-01-31
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items offof my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$110.00} XXXXXXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance {$260.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$6600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Balance {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance {$740.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$7400.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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 2018-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
I have been trying to work with Portfolio Recovery trying to get my debt settled. I had an original balance of {$590.00}. I have since then paid 51 % of my collection amount, now owing {$290.00}. I have been writing and calling this company numerous times asking if they will work with me on lowering the amount. This company is refusing to work with me. They have called me several times asking for payment and threatening to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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 2018-08-27
Company: CL Holdings LLC
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:
XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.

Company response to consumer: Closed with non-monetary relief