BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There is a charge of {$12.00} dated XXXX XXXX on my XXXX XXXX XXXX XXXX credit card ( owned by Comenity Capital Bank ) which I am not aware of that charge and the credit card company has not yet been able to tell me what that charge is for. However, although I never received a statement for that charge either by email or by US mail, I have been willing to pay that {$12.00}, but the collection department in the comenity Capital bank has been very deceptive, dishonest, cheater, manipulator, harassing and has been playing games with me in regard to omitting all the late and finance charges. I have talked to at least 8 different representatives and I have never experienced such dishonest and deceptive customer service in my life. A couple of them finally agreed to delete all the late and finance charges, but when I gave them my checking account information.they wanted to charge me for a couple more late fees. 
The fact of matter is that I have spent at least 9 hours with them for a charge that I am not aware of. I have always paid all my bills to all my credit card companies on time as it is evident from the enclosed attachment about the last payment for {$42.00} on XX/XX/2020. 
My XXXX  score is over 800 because I have always paid all my bills on time.This Bank is a horrible CHEATER with very poor and harassing customer service. 
I strongly believe that the company intentionally does not send, occasionally, the statements to customers to rip them off with late fees and finance charges ; m in my case {$64.00} for {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Information belongs to someone else

Complaint:
Basically I put a fraud statement on my reports but XXXX obviously extended credit to someone and opened an account for them. I have repeatedly disputed it with the credit reporting agencies but they keep removing the account then turn around trying to say the account was verified. With no proof of anything actually given to me. They say they investigated but don't tell me how it was verified or acknowledge my fraud alert. Keeping my credit score low.

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 2020-09-14
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I'm having a problem with the loan I got in to and I think I'm in to a deep hole a sort of scam they got me into for not having a good credit score I was sweet talked into a " good deal '' according to them I was never advised about limitations on car return if I didn't like it on how much time I had to return it instead they made me sign sum papers on agreeing to  paying XXXX in a loan of XXXX car tag sale price. They give me another paper to sign and on this one I didn't notice at the bottom of the page that my total price was XXXX XXXX to pay them didn't even notice that because I was convinced that my payment was only going to be XXXX, what was verbally agreed on. it took me like 4 to 5 days to read the full contract since I was working 12 hours a day 6 days a week I didn't have much time to do anything I was in for a big ugly surprise when I reviewed the contract on the second page I came to find out that I  was in for a big set back saying that I had to pay XXXX total XXXX dollars monthly payments for 6 years and not the XXXX dollars a month for only 3 years as I tought I left it like this thinking to myself there's nothing I could do anymore what a big dissapointment no wonder the original woman sales person I was going to do the deal with got swaped by one of the more experienced salesman person I think he was a supervisor at this dealership so he just told me that I had no choice but to take the car that they picked for me i didnt wanted that car but they said I had no choice cause of my credit and i was very desperate for a car since I needed it for work so I got myself on this big deep hole that it seems I cant get out of its been 8 or 9months of payments of XXXX dollars a month i have paid to them and nothing changes on my loan it still says I owe them XXXX dollars so every time I pay its the same balance of XXXX I had text with them to send me the total I owe them thinking that they had probably had not refresh their data on the computer but not they told me that I owed those XXXX seems like a rip off and dishonesty on the dealers part and on the bank where I got my loan are ripping me off. In asking for your help please on what can I do on this bad dishonest loan I got into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
as of XX/XX/XXXX i have noticed fraud account ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX XXXX DATE OPENED- XXXX ACCOUNT TYPE- CHARGE CARD STATUS-Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
STATUS UPDATEDXXXX XXXX XXXX $ Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone number-None provided INCOMPLETE ACCOUNT # IS GROUNDS FOR THIS FRAUD ACCOUNT TO BE REMOVED AND DELETED! 
15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In my previous CFPB complaint id XXXX submitted on XX/XX/2021 Amerisave Mortgage Corporation promised us a {$500.00} refund on our application fee. They stated in their response on XX/XX/2021 : " As a courtesy, AmeriSave will refund the {$500.00} Application Fee to the credit card initially charged within 3 to 5 business days. We trust this matter has been satisfactorily resolved. '' As of now, XX/XX/2021 this {$500.00} refund was never received. That over a month after the promised 3 to 5 business days. We continue to be disappointed with the service provided by Amerisave.

We have no way to contact the appropriate department at Amerisave as no contact information was provided in their CFPB case response. Hence we now have to open another case for our {$500.00} refund.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: CarMax, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ADP Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I contacted wisely pay cards dispute center on XX/XX/XXXX after recieving a letter of a disputed charge in which they didn't properly dispute the correct transaction. Once they corrected the issue and filed a dispute for the correct transaction. i received the correct dispute letter on XX/XX/2022 and sent it back through email on XXXX XXXX as of XX/XX/2022 i had not received any provisional credit as stated by bank. the time frame was to send the form back within 10 business days from the form being mailed to me. i contacted the bank XX/XX/2022 regarding the dispute and credit. i was told that i needed to request the credit verbally, which is not true. stating they would file a request for the credit today. Wisely card company has a habit of deceiving consumers who file disputes because they dot want to assist. they create obstacles that's not even in their terms and conditions in order to not have to provide provisional credit. as of XX/XX/2022 i still have not received credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This loan was never verified and is a result of someone using my information. Company refuses to supply me with information to further correct the issue and the account is now reporting negatively on 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 2020-09-14
Company: Paypal Holdings, Inc
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2020, my paypal account was sent {$4500.00} & {$5000.00} thru friends and family. This what sent from a friend. I went to transfer some of it since I needed this money especially after everything 's happening do to the Coronavirus. However, I couldnt bsend it thru a card, a bank, or even a wire transfer nor friends and family, even had my brother send me a payment thing to my account for exact amount in my account since his goes straight to his bank. Still nothing. PayPal limited my account just a few hours later. I couldnt do anything or show any proof as to this is my account and it was legitimate. 

XX/XX/XXXX I believe my friend was supposed to refund his money back since I couldnt find the screen too. However this ended up being worse since he did a unauthorized transaction, he believed it to be more a default setting nothing he did technically is what he explained to me. On the XXXX paypal rules in my favor even though thay wasnt the point. 

On 2 of XX/XX/2020, after sending all my info describing all my issues and doing everything ask of me by the 15 different agents I spoke to paypal closes my account for suspicious activity. For reasons not really understood even though I had read the policy and have sense.

I tried numerous times trying to speak to someone however I rrcieved a bit or the same message saying sorry for any inconvenience and how the closing of the account was final and couldnt be disputed. They don't say to you it cant be disputed in there policy on closing of the account.

Now they are saying I have to wait for 180 days to withdraw my funds. This is ridiculous in nature especially in a pandemic as we are in.

This was all do to PayPal restricting a paypal cash account without any reason too and also so to husband setting up the account for me not understanding the difference between this kind of account and a buisness account. When trying to fix the errors in the account and limitations is ultimately what causes the account suspension. Had paypal advised the issue would have raised I could have kept from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have sent a total of 4 letters to XXXX, XXXX  and Experian regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT.

1. I sent letters disputing the student loan accounts on the following  dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA. 2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of   XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.

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 2020-09-14
Company: Resurgent Capital Services L.P.
State: IN
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 have a loan with XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
T

o : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 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/2020 and the subsequent response received on XX/XX/2020 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. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.

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 2023-08-22
Company: EQUIFAX, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XX/XX/XXXX I sent a letter explaining that XXXX is reporting that I have an alleged collection account for XXXX XXXX XXXX that is OPEN and with a past due balance of {$960.00}. This is a FCRA violation of requisite XXXX compliant standards.

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 2019-07-18
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment to pay down credit card balance was not processed despite the transfer being cleared by the financial institution the transfer originated from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX XXXX balance {$2200.00} XXXX XXXX XXXX XXXX balance {$75.00} XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX balance {$1900.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2020-09-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}.

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/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$5900.00} -This is not my account.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX 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 2022-12-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 XXXXBalance : {$4700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2600.00} XXXX XXXX 46035****Balance : {$14000.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/2022 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