BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: Comerica
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I receive my social security XXXX on my Direct Express card. There was an unauthorized backcharge made by XXXX in the amount of {$620.00}. I did not purchase anything or order anything from XXXX. It over XXXX my account in the amount of {$620.00}. I tried several times to contact XXXX and they had no idea what i was talking about. I filed a dispute with direct express over the phone on XX/XX/2020. It took me 1hour and 50 minutes to get a live person on the phone to take my complaint. They did not send me the dispute forms until XXXX XXXX. I immediately filled them out and sent them back certified mail. I then tried to call direct express to check on a status and was on hold for 2 hours and 35 minutes before I got a human on the phone. I am XXXX and it is extremely difficult to hold a phone. And I had to wait all of that time. After I got someone on the phone I explained that I needed to make sure they actually investigated my dispute because XXXX has a habit of unauthorized charges and then I had to go through XXXX to get credited or they would charge for items that I cancelled or they cancelled because they were out of stock or I never received. So, it's important that direct express actually investigate instead of just taking their word. They fraudulently backcharge my card for {$620.00} dollars. That was my rent money. Well the customer service rep tried to argue that they hadn't gotten my dispute form in time so I would receive the provisional credit. I told him I sent it certified mail so I knew they did get it. Then his story changed and he said he found it and I would get my provisional credit on XX/XX/XXXX. Well I never got it. I called direct express again and after a long wait once again I was upset and told the woman they lied about the credit and the woman told me to go XXXX myself and hung up on me. I've had it. I want my money back. I have a right to be protected from fraud that XXXX constantly has a problem with. I should not have to wait hours on the phone to speak to a human. Covid or no covid they should have customer service agents helping their customers. I have spoken to, other XXXX people who get their benefits the same way in direct express and they have the same problem. Direct express never truly investigates fraud and never refunds money. I feel like they purposefully make it impossible to readily get a customer service agent on the phone so XXXX people give up and end up victims if fraud with no help from direct express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
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: Account status incorrect

Complaint:
Hello I have 5 accounts with affirm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt. I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX USPS Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment. Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report. 

Experian is not helping by allowing Affirm to continue this and I will seek monetary damages for this if it is not removed.

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 2018-04-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Opened a credit line with XXXX XXXX XXXX and their XXXX card when I got XXXX XXXXXXXX in XX/XX/2015. I was pushed to sign up for paperless statements from their customer service team when I first called to get the details of my account ( when bill is due, min due, etc ). I signed up for the paperless statements, and call every so often to get status updates on my account. Nobody ever mentioned that the promotional time was coming up to have the bill paid off otherwise I would be hit with all the back due interest. I think it is crazy that they push people to sign up for paperless statements, but never actually give people the statements, they simply send an email that the statement is ready and you need to go jump through hoops of logging in and finding your statement on their website. They are pushing people to sign up to never actually receive a statement. They don't inform customers of important dates coming up. 

XXXX knowingly and fraudulently creates a system to make it more difficult to manage important dates and terms of your account, solely to maximize profit on the backs of unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI
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 been disputing some derogatory information on my credit report that is not correct and is having a severe effect on my personal well being and also destroying any access that I might have to a better quality of life. I have being denied housing because of false and misleading information given to potential lenders and items having to do with finance. The things that Ive been disputing is XXXX and XXXX. XXXX  have been reporting some incorrect information in regards to my payment history that my files show that theyre incorrect. I have written to XXXX many times to correct the problem and they have always refused to answer. When I write to the credit reporting bureaus they would say that it is verified. So they are obviously playing a game on the consumers. 2. XXXX : The charge card that I had from XXXX had a limit of XXXX dollars, on my credit report theyre say8ng it was XXXX. So clearly this account is not mine. I have also written to XXXX many times and they have never write be back nor send me any information to validate the account. When I dispute this problem with the credit reporting agencies they send me back a letter sometimes quicker than a week or XXXX saying the account is verified. Clearly they dont do the proper investigation and this is a heap of XXXX that needs to stop.

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 2021-05-07
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.

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 2021-05-07
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:
on XX/XX/2021 I sent a letter to challenge the accuracy, compliance and reportability of the listing in my credit report they have failed to provide me any original documentations associated with this accounts, bearing my signature. In the absence of any such documentation bearing my signature they have taken advantage of me it has been stressful for me to get finance and have violated my rights under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) the accounts that i disputed have not been deleted under my credit report it has been over 60 days Equifax and XXXX have not provided any original documentation with my signature with the unknow debts that are reporting in my credit report i demand these accounts to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo and its co-branding agent, XXXX XXXX, represent to their prospective customers that the in-home window sale purchases being solicited are for a " loan '' ( closed end ) to be provided by Wells Fargo bank. However, it turns out that the " loan '' is a credit card product with the windows purchase-price already placed on this open-ended credit card account. This account is fraudulently reported as an open-ended, revolving credit card account on our credit histories, which harms out credit scores.

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 2018-04-30
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have used XXXX  multiple times before for loans and refinancing of them, all of which were paid in full. 

After refinancing a loan as I had previously done, I contacted XXXX   on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. 

The XXXX  customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. 

When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX  have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX   multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. 

I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I had a linked PNC checking account with XXXX. The link was cancelled with no notice to me leaving me with no access to my funds in my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX 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 2018-06-28
Company: Worldwide Processing Group, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Forward Movement has made numerous calls to myself and family members who were never listed on file with my original creditor. This is in violation of the FDCPA.. Forward Movement refuses to send any documentation or verification letters to me as requested. This is in violation of the FDCPA.. Representatives have been abusive and have harassed me. This is in violation of the FDCPA. 

Forward Movement also uses ghost numbers and a robocaller to make contact, which is illegal as I have never consented to receiving robo-calls from Forward Movement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
I separated from my wife in XXXX after finding out she was taking out lines of credit and credit cards in my name without my knowledge. We divorced in XX/XX/XXXX. At that time she was awarded the family home and I signed a quit claim deed. I Had to file Chapter XXXX I clouding her and the family home for added protection. Chase mortgage was included and surrendered collateral on home. Everything has been fine until this year in XXXX when my bankruptcy fell off my report. Then XXXX  reported this home on my report due to my ex wife being behind in loan payments. I contacted them as I and my new wife were trying to buy our own home. Sent them all this information and contacted Chase. But both companies refused to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt company is reporting inaccurate my debt is paid per obligation of the united states. CFR and USC laws that will not be mentioned declares this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: United Collection Bureau, 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: Account status incorrect

Complaint:
I was contacted by United Collection Bureau , Inc on XX/XX/2021. Regarding two debts which tgey claimed was assigned to them by XXXX XXXX XXXX One debt was {$680.00} reference number XXXX, the other in the amount of {$810.00} reference number XXXX. They offered me a settlement for both accounts and that they in return would remove both negative accounts from my credit bureaus reports. Though this is a different time for me financially, I decided to sacrifice the little money I had in an effort to improve my credit rating by eliminating bad debt. On XXXX XXXX I spoke to a supervisor Ms.XXXX XXXX that ensured me that once the payment was made both accounts would be removed from my credit bureaus reports. I made a payment for the agreed settlement amounts on XX/XX/2021, the payment cleared my bank account on XX/XX/XXXX, XXXX also received a receipt from United Collection Bureau XXXX Inc confirming that the payment was received and both accounts were settled. As of today XX/XX/2021 both accounts remain on all three credit bureaus. These accounts were settled and paid as agreed by the creditor/collection company. I would like both accounts removed from all three credit bureaus as agreed as this is a violation of the Fair Credit Reporting Act ( FCRA ). Please see all attached correspondence related to the settlement and payment of the above referenced 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 2020-07-26
Company: Experian Information Solutions Inc.
State: MS
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-11-14
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 XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX|Date of Inquiry XXXX XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
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:
XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : 1XX/XX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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 2020-07-25
Company: BMW Financial Services NA, LLC
State: VA
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 am writing for immediate assistance as I am furious with BMW and XXXX regarding erroneous and incorrect credit reporting done on my account. 

On XX/XX/2020 the loan on my XXXX XXXX account ended. I contacted BMW and was told that I had the option of paying the car off in balloon payment, getting a new XXXX or refinancing through your third party refinance company XXXX. I was told by BMW that I had 30 days from XX/XX/XXXX to make a decision before any credit reporting would be done. On XX/XX/XXXX I contacted XXXX as I decided to apply for a refinance for this vehicle. This refinance was approved on XX/XX/XXXX. I specifically asked and was told that as of this date, XX/XX/XXXX, that my account would be placed in a hold status with BMW and no negative reporting would be done as the account was in a refinance status. So to my surprise when I wake up this morning and see that BMW has reported me as 30 days late on this loan and caused my credit score to drop 47 points. I am completely furious and demand this is corrected immediately. 

The facts of this are below : On XX/XX/XXXX the old Account expired. I contacted BMW for options to keep the car or get a new car and was referred to XXXX. 

I applied for the refinance of the XXXX and was approved on XX/XX/XXXX by XXXX. I asked the representative on this call and numerous times after if I would be reported as late by BMW and was told NO I would not be reported late as the account was placed in a hold status on XX/XX/XXXX. 

On XX/XX/XXXX the loan with XXXX was initiated. 

On XX/XX/XXXX BMW received the payoff for the old loan. 

New loan began. 

I am demanding that BMW correct my credit report immediately or I will seek legal action against BMW and XXXX for this erroneous and incorrect reporting. Please respond with your intent to have this corrected immediately.

Company response to consumer: Closed with explanation