BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Comenity Bank special program no interest through Jared Jewelry Store in XXXX XXXX loan was for {$2600.00}. This loan was to be paid off by XX/XX/XXXX per XXXX billing statement. There were 12 payments made for XXXX XXXX  {$2600.00} 12th payment cleared on XX/XX/XXXX.. They show a balance due of {$180.00} which needed to be paid by XX/XX/XXXX. The XXXX billing statement was never generated. They have taken the interest free loan and added all the interest@ 29.99 % plus late fees. 
I have brought this to their attention on XX/XX/XXXX XXXX and XX/XX/XXXX. They answered me on XX/XX/XXXX, acknowledged my claim and requested 90 days to investigate. There was no answer in the 90-day investigation period. On XX/XX/XXXX I received another letter acknowledging my claim and acting for 90 day investigation period. On XX/XX/XXXX, I received another letter that determined my claim research did not find any error. My current balance is {$170.00}. This would be all interest@ 29.99 % and late fees. 
I believed they are very deceptive and have unethical banking practices. the XXXX XXXX  investigation should had been completed in XXXX, but they just kept adding interest and late fees until XX/XX/XXXX. 
I would be grateful for any help you can give me in this matter. My main concern is my correct score ( XXXX ) and I believe they have been paid in full. I should have a small credit. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent a letter to Equifax asking them to investigate some inaccurate accounts on my credit report and I have not heard back from them. They have not responded in nearly 2 months and I am very frustrated because this is not the first time I have tried. I also tried to get it fixed by contacting the furnisher directly and they did not resolve it, instead they told me to contact the credit bureau which I already did that. This company willingly violated the FCRA by not completing their investigation in 30 days and they never provided any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: CA
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 According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX account XXXX  have violated my rights 15 U.S.C 1681 Section 602 A. states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without written instructions

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 2020-12-03
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
In XXXX, Capital One Auto Finance reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through Capital One AF that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXXXXXX XXXX  XXXX reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: MD
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 is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: LA
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:
On XXXX XXXX XXXX 2021 Equifax posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Equifax permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: COMMERCE BANK
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with Commerce Bank. I decided to change automatic payments from that account to a different account at a different bank. Due to timing the payments hit the Commerce Bank account when it had no funds in it. I had already set up the outside accounts to be paid to the new account but again, timing didn't work out. Instead of returning the payments, Commerce forced the payments through. What is strange is that they had returned them at one point and then when the company tried again, Commerce forced it through. 

When opening the account, I opted out of any overdraft protection the bank offered so those charged should not have been honored and returned by the bank. 

Since the payments were forced through by Commerce Bank and my outside company account was paid, I offered to pay the amount the account had gone overdrawn as a result. I refuse to pay for the fees because the payments should not have been forced through by Commerce Bank. 

I have intermittently tried over the last 4+ years to talk to a branch manager to waive the fees so I could pay the outstanding balance. I have been denied every time. 

I tried again today and was told the fees can't be waived now because it's been too long. I was also fed a line about the payments being a different kind of ACH so that's why they got forced through. I happen to know that is not true and do not appreciate the lie. 

I will gladly pay the outstanding balance but will not pay the fees. Their error has cost me the ability to open accounts at other banks. Fortunately, I opened one before this issue hit XXXX so I have a functioning account but this shouldn't stop me from being the responsible consumer I am. 

The amount I believe I should be liable for is {$83.00}. I would need Commerce to verify that though.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Experian Information Solutions Inc.
State: OK
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:
The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On Experian, my XXXX accounts are closed and wit no late payments. However, on XXXX, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.

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 2023-07-01
Company: WELLS FARGO & COMPANY
State: TX
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 made a payment on my credit card on XXXX. Approximately, 3 minutes later I attempted to make an additional payment on this same account as I realized the auto payment would not draft as the manual payment exceeded the auto payment. As a result additional payment would be required in order to avoid interest. Well, when i attempted to make the second payment I received a pop up message indicating I have reached my daily limit to make additional online payments to the same account. In order to process another payment I will need to call their XXXX # or I have to make payment from a Wells Fargo account. 

This bank has very suspicious processes around payments, including when making partial payments between statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
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:
Attempted to reach out via attorney advocacy, attorney general, XXXX, ftc to no avail. My request are falling on death ears. This company is deliberate in the efforts to keep erroneous and fraudulent information on my credit report related to " apartment rental '' in which I have no knowledge of for the past 2 years. I have had the credit bureaus dispute this and EQUIFAX if the ONLY CREDIT BUREAUS listing these fraudulent debts as VERIFIED. When I asked for documentation to support their findings by way of FCRA 609 I have not recieved anything in the mail to support. I only recieved NO RESPONSE. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MS
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:
Equifax has fell to provide the accurate source of information for a public record that appears on my consumer report. Equifax relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. Equifax stated US Bankruptcy XXXX XXXX verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with Equifax ; in which the information was never provided. On my Equifax consumer report under Public Record Information. It states public records are obtained through a third-party vendor, XXXX. 
I have provided the letter from XXXX XXXX, which shows no public record. I am aware that Equifax and XXXX obtain public records from the same vendor, XXXX. XXXX deleted this public record on XX/XX/2022, from my consumer report. The source for this public record is inaccurate. I did not give Equifax consent to furnish this public record on my consumer report. Equifax has invaded my right to privacy. Equifax has also fell their grave responsibilities under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: WELLS FARGO & COMPANY
State: VA
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:
On XXXX XXXX, I received a XXXX  XXXX that I never applied for. I called Wells Fargo, the issuing company. My phone number was recognized for the account, and the account already had a balance of {$4500.00}. I was connected with XXXX in the Fraud Department. XXXX marked the charges as fraudulent and closed the account. I've also contacted XXXX, XXXX, and XXXX to freeze my credit report, investigate this fraud, and correct my credit report. 

There was also an attempt to open an account with XXXX XXXX XXXX. I have my home and car insurance with XXXX, but have no other products. I informed XXXX and the 3 credit bureaus of this attempt.

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 2022-09-02
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland credit called regarding a debt i may owe on a credit card. Two separate representatives refused to mail me any verification to confirm this debt is owed. Threatened to pursue lawsuit to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27
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: Account status incorrect

Complaint:
XXXX XXXX  improperly reported the following lates XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late,XX/XX/XXXX120 Day Late. Needs to reflect on time payments

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 2020-12-03
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I was trying to make a payment online to our mortgage company, NewRez. I went into the website like I always do to make my payment. When I logged in to my account and put in my login information, it went to the same page as it always does to enable me to make my payment online. When I clicked on the make-a-payment button, I got a message saying that this loan doesn't accept online payments. I tried it several more times thinking that maybe I put in the wrong info and kept getting the same result. I then called the number for customer service listed on the website and also another number listed on my statement. I finally talked to a csr and when I gave them our loan number and my husband 's SS #, they told me they couldn't find our account information. I asked them how that could be true, because we have had the same account info since we have been with this company. They acted like they didn't know what could be wrong. I asked them why I was not able to log in and make my payment online like I always do, and they said they didn't know. The csr told me that they would inform their tech dept about the issue, and they would contact me by email about it within 24 hrs. Today is XX/XX/2020 and I still haven't heard anything from them on this matter. I just logged into my account again a few minutes ago, and when I put in my login info, it told me my info is wrong. I know that I am putting it in correctly, because I have my info written down so I wont forget. I have heard about people getting their mortgage information stolen and others using it to open new accounts. I need to know what is going on with this. Also, I just realized that the number I was giving them was an account number and they asked for a loan number, which I don't have. But they should still have been able to find our account info using my husband 's SS # and the account #. Your help is appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX and XXXX XXXX scammed me out of money. I have attached the dates and the amount of money sent to them. They refused to pay me back once I realized it was a scam. They promised me several times to refund all money sent but I never received anything. They blocked me and stopped communicating with me. They failed to provide services I paid for. Also, they committed Fraud by Deception. They had a breached our oral contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2019 I went to look at new vehicles at XXXX XXXX in XXXX, TX. I gave the salesman my ID in order to drive a vehicle, but ended up not driving the vehicle after I realized he gave me false information over the phone. About 4 hours after I left the dealership I started getting notifications from credit bureaus that someone ran my credit at the dealership. I never filled out any paper work, never signed anything. In fact, I expressed my displeasure regarding the false information and told them I had no desire to purchase a vehicle from them. So, they ran my credit based on my Drivers License information. I know this because they used the address that was on the DL and it wasn't my current address. They ran it through XXXX XXXX, Capital One Financial, XXXX XXXX XXXX. I just built a new house and didn't update it yet. I contacted the dealership the next day and they claimed to have mixed up my information with someone else and said they'd submit all the paper work to correct the issue. I've got 10 or so emails from the 'Sales Director ' ( XXXX XXXX ( XXXX ) XXXX ) stating he was taking care of it and he'd follow up. He hasn't followed up any and nothing has been done. I tried submitting disputes to the credit bureau 's, to no avail. This company is extremely dishonest and down right shady! They ran my credit to see if they could make me a good deal on a car, thinking that I'd buy one. Never do business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: NAVY FEDERAL CREDIT UNION
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:
Navy Federal Credit Union is inaccurately reporting a credit card over XXXX XXXX XXXX on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. Navy Federal still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early 2016, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation