BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I've got a Alpheon credit card that I've never applied for. 
They checked my credit score on XX/XX/XXXX. 
I found this card in my mail box on XX/XX/XXXX. 

I tried to reach to the company by calling them the numbers below. 
XXXX XXXX But I couldn't reach to any representatives but I accidentally activated the card. 
I didn't say anything about regarding " activating ''. I was trying to reach to representatives but the phone call system just activated the credit card. 

I think someone opened the account with my SSN without my consents. 

Also, I received an email on XX/XX/XXXX from SSA which is suspicious. The email is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I C system and XXXX XXXX XXXX is a company i never did business with. Also they have the wrong address on file for me. I have sent latters and asked them to send me documents that we ever did any buiness and they failed to do so. 
These creditors did NOT provide the balance they say I owe with proof of payments up to the balance date, did not explain and show me how they calculated what they say I owe, provode me a verification of the copy of any judgement if applicable, identify the original crediotr, prove the staue of limitations has not expired on that account and provide me with their license numbers and registered agent or agent of service.

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 2021-12-11
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While checking my credit scores, I noticed a HUGE drop ( 44 points ), in my XXXX credit score report with a collection from XXXX XXXX for {$68.00} dollars saying the account was opened XX/XX/XXXX, but no further details were available. I noticed this around the middle of XXXX, after my credit chart showed XX/XX/XXXX, was when my score dropped. I had absolutely NO clue what this was from or why it was showing on my credit score. I could NOT see any other information regarding this collection until three or four weeks later. I was then able to see it came from XXXX XXXX XXXX XXXX. I NEVER received any bills, invoices, phone calls, voicemails, emails, or paper mail in any format from XXXX XXXX or XXXX XXXX regarding this. I called XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX, at XXXX XXXX. with the knowledge that they open at XXXX XXXX. I immediately got sent to voicemail and hung up. I called back right after, at XXXX XXXX. to once again be sent to voicemail. I left a detailed voicemail the second time inquiring about this collection/ bill and asked to have a call back. I still have not received a call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: TD BANK US HOLDING COMPANY
State: MA
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:
TD Bank has fraudulently and erroneously reported me, XXXX XXXX XXXX, to XXXX XXXX, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where TD Bank received this information. I do have a current checking account with TD Bank, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with TD Bank. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau,   which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This loan was made in good faith, however I became ill and required surgery. I could not pay full amount of payments and was told that if I made " good faith '' payments then they would keep it off my credit report. The original amount was {$5000.00} ( XX/XX/XXXX ) and I have made good faith payments and they are showing my balance {$4600.00} ( XX/XX/XXXX ) and they reported this debt as a bad debt charge off to the credit agencies. I have filed dispute with all agencies. I did call, and the company re-signed a contract with me and I am making payments of {$520.00} a month. I have made payments but they still are showing this debt as a bad debt on my credit reports. They threatened to report this and no matter what I did to resolve the problem my credit is now tanked. My score today is XXXX. The company will not take this off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-23
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX. 

DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX  : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; COMENITYBANK/VICTORI : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX  - CARD SERVICE : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX - CARD SERVICE : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX AUTO FINANCE : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX, XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/XXXX has violated my rights. 

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 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 non-monetary relief
Consumer complaint received 2023-08-15
Company: Affiliates Management Company
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received this Atira gift card as a XXXX  Debit card {$50.00} and held onto it to save for a special trip. When I called the company I find out the company charged me {$2.00} each month after a 12 month period so there is NO money left on the card. Even though the card says Good thru XX/XX/27. It costs the company nothing while Im not using it. This is just under handed theft to me. They said sorry nothing we can do. 

Your instructions say dont share any account numbers so Ill wait to hear from you to send the card number

Company response to consumer: Untimely response
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Credit card Type : Credit care/ The extra interest amount {$970.00} / Issuer : synchrony bank / Merchandiser : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / During issuance, the card information has been given ( Terms and conditions ) changed by the bank & Merchandiser without my knowledge or approval which resulted in {$970.00} extra added to the card balance. 

The bank claimed that the deal is the pay the total amount ( {$6900.00} ) within 6nmonth which something never discussed or brought up to my attention & approval during applying and approval process, moreover I never acknowledged or approved such terms. 
When I contacted the bank to complain & despite such added extra amount/ interest they refused to take action and directed me to deal with the Merchandiser. 
The XXXX doesn't respond & communicate back to my calls for more than 6 weeks. 
I have been misled during applying & approval process by both Bank & Merchandiser.

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 2021-12-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I acquired a loan XXXX 2021 with XXXX XXXX XXXX. I attempted to no avail to have my account balance updated on my credit report in XXXX, so I refinanced with XXXX XXXX since they were being unprofessional. The loan has been paid off, I have made the first payment to the new lender, XXXX XXXX, and still XXXX XXXX XXXX has NOT closed the account. They always respond they're in the process and XXXX  has gone along and that's why the balance reflects XX/XX/ 2021. Now it looks like I owe almost $ XXXX for a car I only owe $ XXXX and some change. Please, please help. XXXX XXXX XXXX has tanked my credit and refuses to close their account, they're always in the process of doing so.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: NY
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 are plenty of inaccuracy on my credit report and i notice accounts that i am not aware of please delete it and for the open accounts or close accounts that has lates only on it please remove late payment remarks

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 2023-07-18
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of inaccurate inquiries and fraudulent accounts from my credit report, which are hindering my ability to access credit. I kindly ask that you take immediate action to resolve this issue within XXXX business days. 

The following inquiries are not associated with any active accounts that I have authorized : 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 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 I request that you promptly investigate these matters and take necessary action to remove the inaccurate inquiries and fraudulent accounts from my credit report. Kindly provide written confirmation of the actions taken and inform me of any further steps or documentation required from my end. 

I appreciate your urgent attention to this matter and your adherence to the Fair Credit Reporting Act ( FCRA ). I am prepared to take legal action if necessary to protect my rights. 

Thank you for your immediate assistance in resolving this issue. I look forward to a timely resolution and the removal of the inaccurate information from my credit report. 

Sincerely, 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 2017-07-11
Company: Experian Information Solutions Inc.
State: UT
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:
Experian did my fix my issue with the Bankruptcy and refuses to investigate it again per their letter.

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 2023-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I hope this letter finds you in good health. I am writing to bring to your attention a concerning issue regarding an unauthorized account that was opened under my name with Bank of America. I have made repeated attempts to resolve this matter with the bank directly, but unfortunately, I have not received a satisfactory resolution. 
I discovered that an account had been opened under my name without my knowledge or consent. I immediately contacted Bank of America to report the unauthorized account and to request its closure. While I was assured that the account was closed, I am still facing ongoing issues due to the reporting of suspected fraud associated with this account. 
I wish to emphasize that I had no involvement whatsoever in the opening or operation of this account. The account was opened without my knowledge or consent, and I have never provided any personal information or electronic signature for this purpose. The bank 's assertion that my electronic signature is linked to this account is deeply concerning, as electronic signatures can easily be fabricated by unauthorized individuals. 
Despite my repeated attempts to clarify the situation and provide evidence of my innocence, I have faced challenges in having this matter resolved. The reporting of suspected fraud on an account that I had no involvement in is damaging to my financial reputation and security. I am deeply troubled by the fact that the only evidence the bank has presented is an electronic signature, which, as mentioned earlier, is not a valid basis for maintaining this record. 
I kindly request your intervention in this matter to ensure that the fraudulent account is unlinked from my name and that any reporting of suspected fraud is removed from my records. I believe that this situation not only affects my financial standing but also highlights a vulnerability in the system that allows unauthorized accounts to be opened and wrongfully attributed to innocent individuals. 
I appreciate the work of the Consumer Financial Protection Bureau in safeguarding consumers ' rights and interests. I hope that you can assist me in resolving this issue and restoring my financial well-being. Enclosed with this letter are copies of documents that support my claim of unauthorized account activity. 
Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution to this distressing situation.

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 2018-04-19
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX I disputed with Equifax an item on my credit report. Equifax claimed an investigation had been done and the item stayed on my report. About 8 months later I spoke with the finance director at the dealership who was involved in the transaction and he verified I was not a signer on the auto and that it shouldn't be on my credit report. He has contacts at XXXX financial and asked them about the issue. Their process is for the person to dispute the item and they will respond it is inaccurate. I told them I had disputed it 8 months earlier and they verified they had never received a dispute inquiry from Equifax! Equifax is not investigating disputes!! 

I then wrote Equifax a letter letting them know they did not dispute the item with XXXX and asking them to dispute the item or remove it. I wrote this letter in XX/XX/XXXX and they received it XX/XX/XXXX. ( Letter and proof of receipt by Equifax attached ) As of today Equifax has still not responded to my inquiry. 
I really need help with this matter. The item on my credit report is clearly not my debt and is damaging my credit. 
I appreciate your time Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-11
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: Old information reappears or never goes away

Complaint:
I recently had my credit report pulled by a bank because I am in the process of purchasing a home. On my credit report, Trans Union shows a student loan from XXXX XXXX University ( where I attended ) for {$2000.00} that caught my attention because I had never seen it before and have been paying on my student loans since XXXX. The credit report stated this loan has not been updated in Trans Union 's system since XX/XX/XXXX. I contacted XXXX XXXX University and XXXX XXXX ( which is the loan provider XXXX XXXX uses ) and they could not find this loan anywhere in their system. After 50+ phone calls to XXXX XXXX and XXXX XXXX from XXXX, Heartland concluded that this portion of the loan was never updated to Trans Union from XXXX XXXX, which is the loan provider XXXX XXXX used XXXX XX/XX/XXXX. I attended XXXX XXXX University from XXXX XXXX XX/XX/XXXX. In XXXX of XXXX, XXXX XXXX university transferred all of the student loan accounts from XXXX to XXXX XXXX. On my credit report from Transunion, it is showing I still owe XXXX  that loan amount because Transunion has not gotten any updated loan information from XXXX XXXX about my account since XX/XX/XXXX. So, it is still showing on my credit report that I have a balance with XXXX XXXX of {$2000.00}. Transunion informed me the only way this can be changed is if XXXX XXXX sends them an updated report showing that this account no longer exists or has been transferred/paid off. I called XXXX XXXX 3 times on XX/XX/XXXX and they informed me they can not help because they can not find my loan account ( because it was transferred to XXXX XXXX ). They are unwilling to help me and I do not know where else to turn. I can confirm this loan amount was with XXXX XXXX because all of their loan accounts start with the same XXXX numbers, and the account number that is on the attached document match. I need this removed from my credit report because it is no longer valid, and no one will help me. The attached file is information of the account balance I am referring to. I tried to file a dispute with Trans Union and this was the result. Trans Union reached out to the contact information provided, but it is the contact information for XXXX XXXX, not 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 2017-07-11
Company: Capstone Credit & Collection, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company : CAPSTONE CREDIT & COLLEC XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The debt collector in charge of my account has used profane language, misrepresented the amount of debt owed, provided false and misleading credit information to the credit bureaus, has never sent a bill to me, wo n't discuss the bill amount to me without being verbally abusive. I found out about the debt two days ago when I realized it showed up on my credit report. This company has many bad reviews and complaint to the BBB. The date of this debt is XXXX XXXX,2017. When first contacted by the person months back I explained to him that the debt does n't belong to me. I directed him to the correct person and never heard from him again. But, I noticed the statement on my credit report two days ago.

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