BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello. So I opened a Children 's Place credit card back in XXXX to take advantage of the promotions they were offering. I am very good about making payments for ANYTHING on time. I have a 99 % on time history with my credit report. However, I realized in XXXX I had forgot to make my payment from XXXX. So i called and made my payment. When I paid, there was no late fee showing so I assumed I did not accrue one. Apparently the day after I paid my balance in full, the added on a XXXX dollar late fee. I was never emailed anything besides promotional emails from them, and never received anything in the mail. They called me in XXXX stating I owed XXXX dollars as they were charging late fees FOR my late fees ... never was notified again. So I called and negotiated with them, and they knocked my balance down to XXXX dollars. I paid them, and all was supposedly final. Today I received an email of a statement saying I again owe them a XXXX dollar late fee, and XXXX dollar interest charge for paying my late fee that I talked to them in XXXX about, 8 days late. Not one person told me this would happen, or that I was paying anything late. So now I am being charged late fees almost every month when I owe them XXXX money. They refuse to take the fees off, and made me pay them twice now. I feel this is extremely inappropriate, and slimy. I feel let down that even though this is clearly not right, they refused to take the charges off, and instead told me I would be sent to collections for not paying them. Please please help. I do not want to spend my monthly pay check on nonsense rather than feeding and providing for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I opened a dispute with Equifax due to inaccurate information being reported. After the initial dispute investigation the items remained. I then contacted the credit bureau again by certified mail requesting the method of verification of the initial items disputed that remain on my credit report. Equifax ignored my request for information that I legally have a right to know how they obtain information they report on my personal consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified XXXX. 

XXXX XXXXXXXX XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified 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 2020-05-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-08-08
Company: EQUIFAX, INC.
State: NC
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:
InXX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called XXXX and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts.XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX  application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

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 2020-11-19
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I got a loan from Santander USA for XXXX XXXX for the amount of XXXX and my monthly payments was XXXX a month in XXXX Santander repossessed the car I wrote them numerous of letters that was certified its reporting on my credit that I still owe XXXX if the car was repossessed and the car was probably auction or sold or lease to someone else theres no way that I owe for XXXX if the car was repossessed XXXX years after I got it. Also I got something in the mail from a attorney saying that I will be getting a check because Santander was charging their customers too much money on their cars

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: KEYCORP
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I filed a dispute for XXXX for not receiving my refund for XXXX and for XXXX from the XXXX XXXX XXXX atm withdrawal not receiving my refund or cash withdrawal and Im not getting any help from the dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX XXXX {$1800.00} XXXX XXXX {$11000.00}

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 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have two claims on my account from charges that were made fraudelently without my knowledge. One claim was filed XXXX/XXXX/2020 ... second one filed XX/XX/2020 One claim was under investigation and I was given a provisional credit for and was told the funds were permanent and then come but then come to find out its being re-investigated and any funds issued to me from them was debited putting me at - {$1700.00} a couple months later, I had to file another claim because apparently the card that was attached to my previous FIRST claim and that was supposed to have been cancelled was in fact actually never canceled by the bank and charges were STILL being made without my authorization and couldnt understand how this was going on when they had sent me a new card and thought everything was fine .... 

The day after i file the second claim, I noticed my account had been deactivated and wasnt sure why but then 2-3 days later it was reactivated with having - {$1700.00} on my card cause they had debited my account stating that all the charges that I claimed were fraudulent were valid which is false and not to mention they had already stated those charges had been made permanent on my account and then switch to changing that statement? 

While I am dealing with this issue, I noticed I have not received any communication or notices regarding my second claim? when I call to ask, apparently one of the representatives said that it had been entered into the system but nothing has been done about when I was supposed to get THAT provisional credit in 10 business days and we are now approaching almost two months and STILL no update to either of these claim issues. 

I will do whatever I need to cooperate with the investigation and fill out any paperwork required but these charges were not made by me and I expect Bank of America to follow the laws by providing my provisional credit and give me my {$1700.00} back from the first claim they said was now over and provisional credit on my account had been MADE PERMANENT. It was their fault for not having turned the debit card tied to the first claim and if they had i wouldve never had to file ANOTHER claim because their lack of security.

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 2019-08-17
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
University of XXXX  has continued to report negative information in my credit file. They have failed on many attempts to provide validation indicating that this account belongs to me. Furthermore I received notification from XXXX XXXX and equifax that the account has been removed from my credit file; it’s still showing on my credit report. This account needs to be removed from my entire credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Was not notified of any court action against me. Then threatened with contempt if I didnt reply to order when received notification after six days of statement received. Leaving me two days to have response received by creditor. Would request that court fees and their fees be dropped due to illegal actions.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I received a copy of my consumer report which has ALLY Financial listed as an open and active installment loan account. This account has been charged off and sent to another outside collection agencies over 3 years ago. ALLY Financial refuses to have it removed from my credit report. They are no longer handling the file, when I called into the number provided no one is able to pull up my account. I spoke with a representative XX/XX/20 to have this resolved in she advise that she will have a letter faxed and sent to my current mailing address as removed. I called today in spoke with another representative to see if the request has been submitted in XXXX told me he could not find any account for me or with the account number on my credit report. This matter needs to be removed or updated accurately.

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 2022-01-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Since 2016 XXXX has refused to allow me to enjoy the health benefits that my company provides. First, they didnt understand that a XXXX  citizen had a XXXX XXXX ( XXXX ) and not residence or USA citizenship. I explained to them it was due to my status as an XXXX. After that, XXXX closed the account ( 2016 ) that my company had opened. I have spoken several times to try to activate my account. They have asked me for different documents that I have provide. Among which are my Work Permit, Social Security card and a multitud of oficial and bank documents that show my current address. However, they refuse to activate my account. I believe that due to my immigration status and my condition of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I tried on numerous occasions to talk with someone pertaining to the Santander settlement. I have been patient and I would like this account closed and deleted according to the Pennsylvania Santander Settlement and also The FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been working on my credit report day in and day out for 8-10 hours a day across all three agencies. XXXX  and XXXX  are complete however, I Have received zero updates from equifax. when trying to check the status of my disputes on their website, it tells me my personal information is incorrect. The first time I called in an agent from another country stated that their online system was down ... ok. so I waited a day adn tried again. Again the system tells me my information is incorrect and I am unable to check the status. This has continued to happen for over a week and a half now. I also asked them why I was never notified that my personal information was stolen from their system during the breach. They had no answer and blew me off when i requested free credit monitoring for a year under their trusted premier thing. They stated it was past the time line to sign up for that.. Had i known about their inability to protect my information i would have called sooner.

Company response to consumer: Closed with explanation