BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I made 2 purchases using this card. The current amount on the first XXXX XXXX Plan XXXX ) is {$4800.00} and it expires on XXXX/XXXX/XXXX. The current amount on the second one ( Plan XXXX ) is {$1800.00}, and it expires on XXXX/XXXX/XXXX. The promotion on the 2nd purchase was NO INTEREST if I pay it off before XXXX/XXXX/XXXX ( and if I do n't - about 28 % per annum will be charged retroactively to the date of the purchase ). I have always been current on all the payments under both Plans. On or about XXXX/XXXX/XXXX, I made an EXTRA payment ( after all regular payments have been made ) with specific written instructions to apply it to XXXX XXXX only. The company refused, instead applying only {$19.00} to Plan XXXX out of the entire payment of {$900.00}. That meager allocation to XXXX XXXX is intended to assure that I will never be able to pay off that Plan before XXXX/XXXX/XXXX XXXX it would be mathematically impossible ) unless I also pay off completely XXXX XXXX. That is, the promotion that I could pay off Plan XXXX and avoid the interest charge was FALSE because the backdoor interest allocation makes sure that this will not happen unless I also completely pay off {$4800.00} under Plan XXXX. As a matter of fact, this allocation -- contrary to my specific instructions -- makes promotions on both Plans to be false and misleading. As long as I am current on all the payments, I should have an unqualified right as a consumer in an industrialized country to designate how any EXTRA payments are to be applied. XXXX XXXX should be reminded that XXXX, where it murkily operates, is not some lawless jurisdiction where fraud and misrepresentations can be perpetrated upon the unsuspecting public with impunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: WA
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:
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. XXXX XXXX  recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It has come to my attention that BARCLAYS BANK, creditor and debt collector as defined pursuant to 15 USC 1602a ( g ) and 15 ISC 1692a ( 6 ) has violated my rights as a consumer pursuant to Title 15 Chapter 41 subsection 15 USC 1601, Truth in Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy, and by providing abusive and unfair debt collection practices.

This consumer credit transaction with Barclays Bank which resulted in an account under an open -end- credit plan was used unauthorizedly by BARCLAYS BANK which is also known as identity theft pursuant to 15 USC 1602p and 18 USC 1028a ( 5 ). 

Cease all UNFAIR communication through any mediums with me and ANY third party ( such as consumer reporting agencies ) ( Communication in connection with debt collection ).

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 2022-08-12
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are allowing XXXX XXXX  to continue to report incorrect information on my credit report. The credit bureaus are not doing a hands on manual human being method of verification. They are using companies like XXXX XXXX, etc.,. They are using a machine to decide & verify & validate this account. That doesnt take into account what the consumer is disputing. This machine is ruining peoples credit. This is so unfair. I have continuously tried to explain to opportunity financial & the credit bureaus why this balance is incorrect. Neither company will budge or verify. Please follow suit with XXXX XXXX and delete this from my account. By law I have the right to dispute inaccurate info and have it removed. You can see the amount was originally paid down & wage deductions. Thanks for your assistance

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 2020-04-26
Company: PNC Bank N.A.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I used XXXX to try to transfer money from a XXXX XXXX  to a XXXX bank account - both owned by me. 
After putting in all of the information, it said my XXXX XXXX  would not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
American Express is looking to ruin my credit and the credit if all my additional card users. I never had a problem with payments in over 30 years. When covid hit. We didnt have a dime of income coming in. American Express said that it would be okay to pay late. They said they wouldnt report it. They lied. I had a {$10000.00} bill that was owed. We agreed to have me make payments over 3 years to fully pay up my balance. Since then every time there is a credit search done on me, my husband and all of my children that were additional users it gets killed by false information that they are reporting. I have made several phone calls and have been told that they will correct it. They never do. They are liars and are looking to hurt their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Delta Management Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from Transunion and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to Transunion exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Transunion to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to him that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Transunion. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Transunion be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.

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 2021-10-20
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:
The following unauthorize in excessive inquiries were made on my credit report. 
XXXX XXXX XXXX XXXX XXXX MD XXXX Phone XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX CA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions 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:
Date Reported : XX/XX/XXXXCollection Agency XXXX XXXX XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$720.00} Creditor Classification Retail Amount {$720.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Status UNPAID Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed the accuracy of the information on my credit report as listed by XXXXXXXX XXXX  Experian responded that the information was verified as accurate, I requested an investigation. They stated that the information was verified as accurate. I put in a complaint with your office and the company said they provided me with contract and payment information by mail, they did not and have not to this day. I mailed a letter to Experian requesting a copy of the statements and contract with them and any document giving them the ability to collect because I do not have an account with XXXX XXXX XXXX called Experian to determine if this information request was listed correctly, it was not. I asked them today via phone for the method of verification of accuracy based on 611 of fcra XXXX XXXX and the special services department told me that they had no idea what I was talking about. It is my understanding that the credit reporting agency provides consumers with a method of verification based on that rule.

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 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Greetings, I would like to file a complaint against Capital One Bank. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
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: Their investigation did not fix an error on your report

Complaint:
There is two collection accounts from XXXX XXXX that is being reported to my credit file from Equifax, XXXX, and XXXX and I DO NOT know what it is. I disputed these inaccurate accounts with all three companies and they did not investigate the information and continue to report unverified information! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please. 
XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB

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 2021-04-16
Company: CCS Financial Services, 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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Paramount Recovery Systems, L.P.
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: Account information incorrect

Complaint:
I have 2 collections companies that have put 2 separate accounts on my credit for the XXXX XXXX XXXX. Each account has had a different total and dates each time in a total of ( 4 ) I got XXXX XXXX accounts disputed and now they have gone to Paramount Recovery and I have tried to dispute them through XXXX XXXX several times with no avail. 
XXXX Account was said to have been opened on XX/XX/XXXX at {$620.00} Disputed and dismissed on XX/XX/XXXX XXXX Account was said to have been opened on XX/XX/XXXX at {$1000.00} Disputed and dismissed on XX/XX/XXXX Paramount Recovery Says account was opened on XX/XX/XXXX at {$640.00} Paramount Recovery Says account was opened on XX/XX/XXXX at {$480.00} I don't even know what the XXXX XXXX XXXX is. I haven't been to the doctor since XXXX so I'm unsure of any information regarding this account or why it keeps showing up as different amounts at different dates

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am the XXXX for an XXXX XXXX XXXX. We received a check from a donor that was issued by a bill pay service XXXX ( formerly XXXX ), but the check was incomplete. About 1 inch of the right side of the check did not print at all, so the serial number, the trailing three digits of the amount and the check date did not print and thus I am not able to deposit it. I can tell by the written part of the check, but the check was only for {$10.00}. 

I contacted XXXX at the email printed on the top of the check along with an image of the check requesting that they reissue because the currently issued check is not valid. After 6 days, they emailed me back and told me I needed to resend the physical check for them to reissue it. This feels burdensome and not consistent with regulation CC or Check 21 because I do not believe this check has all of the elements to be considered a substitute check - thus they withheld funds from this donor and the donor is unaware of that they did n't actually issue a legal check. 

I, in good faith, notified them of an error that impacted a check issued to my organization with visual evidence of their error and they are refusing to resolve it without sending a physical check for a very small amount. This is harming my organizations donor ( who is a individual consumer ) and potentially an unknown number of other unknown customers who may have also had incompletely printed checks.

Company response to consumer: Closed with explanation