BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-24
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am contacting the CFBP regarding a XXXX XXXX Credit Card showing on my consumer credit report. Since XX/XX/2016. I have sent 3 credit validation letter and an offer letter to pay a portion of the claimed debt in an efforr to resolve although it has never been verified. I am doing everything I can to communicate with this company and work to have this information removed from my credit report. However, they are not communicating with me and acting as if the damage this account is causing to my consumer credit profile is not urgent. I NEED a resolution and the account removed from all three of my credit reports. That is all I am asking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
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:
" " '' I have disputed this Charge off CITY OF XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2019-02-18
Company: Mobiloans, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have had an active account with Mobiloans since XX/XX/XXXX. I have paid approximately {$120.00} per pay period for a {$1200.00} loan. At one point, I was able to get online to access my account and see where I stood on payoff amounts and payment schedules. In XX/XX/XXXX, I was unable to access my online account stating that I was in debt consolidation. I don't understand why debt consolidation should be a reason to not have access to my account. I have called several times to see what my payoff amount is, and I do not get a straight answer. I was told I have " about 32 payments '' left before loan is completely paid off. This seems excessive for a loan that is a balance of {$1000.00}. I believe have overpaid the amount I owe and this account should be closed. I would also need a copy of my loan agreement so I can further evaluate this account. I do not have access to any of this information, and they do not provide it to me when I call them.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This " reporting agency '' does not do what is in the best interests of the consumer. XXXX XXXX did 3 hard inquiries that were unauthorized. I reported this immediately to all three credit bureaus, the Attorney general and the FTC. I even had to file a complaint against this scam company to the CFPB ( Complaint ID : XXXX-XXXX ). Nevertheless, they will not remove these hard inquiries from my credit report citing that people are allowed to pull inquiries whether its authorized or not specifically authorized. If this is the case, then these inquiries should not affect a persons credit score and reflect negatively on a credit report. When I call the credit bureaus, they do not remedy the problems. When I write the credit bureaus, they do not remedy the problems. Who has the best interests of the consumer? I did not authorize the hard inquiries from this scam broker and if the credit bureaus had investigated my complaint like they said they did, there would be NO evidence to support their inquiry into my credit and the inquiries would had to have been removed. A quick XXXX search will show how crooked and shady this person is. XXXX XXXX of XXXX XXXX XXXX was not authorized to pull any inquiries on my behalf. He has refused to respond to the CFPB, FTC, and Attorney General regarding my complaints against him and his company. Why do the credit bureaus continue to mislead consumers with regards to their investigative practices? They never investigate anything until an official complaint is launched against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Due to COVID-19 there was a extension put onto my account for 2 months. I was never informed that it would impact my credit due to the extension. I now cant get into my new place because my credit went below a XXXX due to this. 
I called them I'm not getting no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" " '' I have disputed this collection XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: U.S. BANCORP
State: MA
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:
I have a Fidelity credit card. On the card was mostly a charge for my son 's college bill of approximately {$9500.00}. The entire credit card bill was {$9800.00}. I had money in my son 's educational account to pay most of the bill and was assisted by someone at Fidelity to transfer this money over to the credit card account. A small amount of additional money was needed from his account for which I sold a bond. This was not going to be credited until XX/XX/XXXX. I had other means to pay the bill but wanted to pay directly from my son 's account for tax reasons. The Fidelity representative told me not to be concerned because the credit card withdrawals were never made on the due date. 

On XX/XX/XXXX I kept an eye on the account and called Fidelity to check on whether or not the credit card withdrawal was being made ; there was no alert from the credit card department, which is a separate company, about an upcoming payment. The Fidelity representative told me that if there was to be a transfer it would have shown up. By the last time I checked at XXXX XXXX  there was still no alert so I assumed everything was all set. Several weeks later i got a notice that none of the bill was paid. I called them and was told that the payment hit in the middle of the night despite there being no notification during the business day. Instead of taking what was available, they took nothing and charged me a large fee for nonpayment. Even though all the money was in the account for the payment by XX/XX/XXXX the money was left untouched and no one notified me of the problem. Is there a law that was violated requiring the credit card company and/or the bank to give a heads up by the end of the business day that money would be pulled from my account that night? The payment went through so everything looked right with the account but it was rejected on XX/XX/XXXX. I feel taken advantage of ; there was no way to get this straightened out despite all my efforts. 

In summary, the credit card company should have provided a heads up the day that the money was to be withdrawn so I would have known and paid a different way. There must be a law about this because I have always received such alerts in transactions of this type. Given the lack of notification, the credit card company should have withdrawn the funds on the XXXX. By then the money would have been in the account. Plus they had my phone number ; obviously I was trying to pay the bill since most of the money was available for the payment. They should have at least applied that money. In fact some of the money was cashed in rewards from the credit card itself. Not even that was applied.

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX XXXX  which was made on XXXX/XXXX/2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,

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 2018-06-20
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/2018 I received a pre-paid XXXX card for {$50.00} as part promotional discount on a set of tires. On XX/XX/2018 I attempted to use this card at store and when I scanned the card it was taken for the full amount of {$74.00} instead of just the {$50.00}. I informed the cashier that the card was only good for the {$50.00} and she voided the transaction. I then paid for the items using my personal debit card. After returning home from the store I called the number on the back of the card and activated the card again believing that I may not have activated it in the first place. XXXX activated the card again and when I attempted to use it again it was declined. I looked on XXXX 's website and found that the original transaction of {$74.00} was processed and I owed a balance of {$24.00}. I have not spent the original {$50.00} and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Citi to tell them there is 5 fraud charges on my Citi XXXX Visa credit card. When I first told them this they marked all the charges and items i didn't receive a month later I told them again it was suppose to be fraud and then Citi put it as fraud but closed the disputes and claim they came from me which they didn't. I lost my card at one of the bars i was at on XXXX XXXX.The first fraud charge is on XX/XX/2018 from XXXX  in the amount of XXXX dollars. Second and third fraud charges were on the same day, XX/XX/2018 from XXXX XXXX for XXXX dollars and XXXX XXXX for XXXX dollars. Last 2 fraud charges were done on XX/XX/2018 from XXXX XXXX XXXX amount is XXXX and the other amount is XXXX. I am also being charged a interest charge for XXXX and two late fees of XXXX dollars each. I called Citi several times and they are still no help. I also told Citi issued me a new credit card but there not helping me with these fraud charges on my account and just keep giving me the run around and even closed my account now. I wrote them a letter stating It was all fraud but still never heard back and when I call I get no help.

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 2018-10-24
Company: Credit Karma, LLC
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:
My XXXX scire dropped significantly in late XXXX and the reason credit katana reports reported the change was due to a change in or use of another name on my credit file. The error was reported by XXXX and I obtain the information by reviewing credit karma free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to XXXX and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the XXXX score is lower

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Diverse Funding Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A company called XXXX contacted me on two separate occasions, once on XX/XX/XXXX and again today, XX/XX/XXXX. This agency was looking for my sister, XXXX XXXX. On XX/XX/XXXX I told the company that this was a relative 's phone number and i was not to be contacted. I called my sister to notify her of the call and she let me know that they had called her before they called me. So they knowingly had contact with her and her contact information, but couldn't make progress with her so they contacted me. This agency was trying to collect a debt for a company called XXXX and associates ( XXXX ) XXXX. I am being harassed for a debt that does not belong to me. I also live in a different state than my sister and have a phone number that was obtained years after any date that we lived in the same household. It seems that i was tracked down by personal information to get in contact with my sister when they already had her contact information.

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 2017-06-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XX/XX/XXXX & XX/XX/XXXX, I settled all accounts I had in collections by paying off balance agreements in full via check and a couple online thru a debt collector ( who does n't have a positive reputation ) Asset Acceptance who sold my info to XXXX XXXX ... a GA debt collector firm ... both companies involved in major law suits in XX/XX/XXXX and XX/XX/XXXX due to deceptive debt collection practices. I fell victim to a XXXX XXXX wage garnishment myself during that time along with paying off other balances in full. These were all credit cards from roughly XX/XX/XXXX that went delinquent. USince XX/XX/XXXX, I heard nothing from anyone because they were paid off and settled. I am sure you guys know that you guys led to XXXX XXXX 's demise and the law firm closed in XX/XX/XXXX. Two of those partners though have opened a law firm in XXXX, GA under their names XXXX XXXX XXXXXXXX. Today, XX/XX/XXXX, I get a letter in the mail today in regards to a Asset Acceptance/XXXX XXXX account claiming I owe over {$2000.00} when that account was settled and paid for back in XX/XX/XXXX. That credit card went delinquent back in XX/XX/XXXX but again I rectified it in XX/XX/XXXX by paying a settled amount a little under {$1000.00}. I called the law firm and the woman I spoke with claimed that Asset Acceptance never notified them my case was closed and then she began to ask me about two other accounts that were settled back in XX/XX/XXXX as well. She brought up XXXX XXXX 's closing and how their old files were transferred ... Of course if this company is own by two prior affiliates. I have the letter I received today. The woman I talked to today did give me Asset Acceptance contact info so I can call them and ask about my closed cases. She said it 's possible where they made the mistake of not properly closing my files. I plan on going to my bank in the morning to get copies of the checks used to pay Asset Acceptance and whatever other payment info. These are debts I do not owe because they were paid over 4 years ago. How can this be rectified? I have also filed a complaint to GA 's Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Experian Information Solutions Inc.
State: NJ
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:
On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

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 2017-06-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number 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 monetary relief
Consumer complaint received 2018-09-17
Company: Financial Credit Service, Inc.
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Repeated phone calls from Asset Recovery Associates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and specifically XXXX XXXX, about false bad credit card debt. Mr. XXXX states the debt is owed to XXXX or, alternately XXXX XXXX ( he changes the listed creditor so I'm unsure exactly who ) in the amount of {$2800.00} from 2005, though he will accept settlement for {$1000.00} less. I have no outstanding credit card debt and have verified via XXXX  credit report. I advised Mr. XXXX that I have no outstanding debt, and even if I had the statute of limitations for collections has long expired. XXXX XXXX has repeatedly threatened legal action. Mr , XXXX has also repeated my Social Security Number to me, giving cause for concern that he may have unauthorized access to and inappropriate use of my PII. I currently live in XXXX ( my husband works for the US military ) and have for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can't temporarily unfreeze/lift my credit report at Experian. After three attempts, each ending in a system failure, see error below, I tried to identify the correct customer support phone number on their website. Their website contact information options are quite clear : there is no way to get support on this issue. So I am reporting it. The error I received is provided below : We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. 
Please try again in a few minutes. If the problem persists, contact customer support. 
Error Information Http Status 400 Group 11

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