BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chex System is reporting information on my report that was not initiated by me and I did not apply for credit. There is an account from XXXX XXXX bank being reported on my report and I have called XXXX XXXX bank, left messages and no one has returned my call. Chex System is continuing reporting this account. 

Also, there are inquires showing on my report that wasn't made by me and I'm asking Chex System to delete these inquires. 

There is also two accounts being reported by XXXX  XXXX  XXXX. Both accounts is showing the Closure Status date as XX/XX/2021 which is incorrect. Also, the state for these accounts is blank and being reported in error. I would like both these accounts deleted from my report as Chex System is reporting these two accounts inaccurately.

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 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My Navient student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default XXXX late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions This account is reporting that it is charged off at the same time it is reporting an increase in balance monthly this is illegal and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: MS
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 was not working during XX/XX/XXXX until end of year. I didnt receive unemployment. I never received information about my student loan payment being due. My XXXX  student loan went into 90 days past due. Per the government, government owned student loans were suppose to automatically been Suspended from XX/XX/XXXX until XX/XX/XXXX. I was recently already in forbearance but navient put be past due when payments where supposed to been suspended. My XXXX XXXX student loans were suspended during this time period. Why was I charged and put into default ( late ) when the government postponed payments during this time! Even though my loan was in forbearance it didnt automatically go into administrative Forbearance that is mentioned on Navient website.

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 2017-12-08
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.

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 2021-07-20
Company: Bread Financial Holdings, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute information that Comenity Bank/Victorias Secret Credit Card supplied to XXXX, XXXX  XXXX XXXX, XXXX, and XXXX  XXXX XXXX. 

Retailer account at Comenity Bank/Victorias Secret Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that Comenity Bank ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When Comenity Bank attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that Comenity Bank/Victorias Secret Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was the victim of a scam in the sale of cryptocurrencies, they asked me for {$300.00} to start investing as a minimum, and then they asked me for {$1000.00} as a fee to withdraw the profits. when I get the gain in the account in XXXX with the customs broker license from the US Department of Homeland security # XXXX, they ask me for {$2500.00} more to upgrade the account and get the money of the profit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co-signed for my sons XXXX loan which has now become XXXX principle balance. I`ve tried to deal with Sallie Mae and Navient. Often times his loan payment was applied to his other two lower interest loans. He was encouraged by the lender to use the forebearance option without explanation of the consequences. Navient engaged in deceptive practices regarding its policies. Consumer protection for the student borrower and the co-signor were ignored. To be released from the loan was not fully explained. Due to these unethical practices my credit score has been affected. Not only that, but my sons credit is ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice today from my government credit monitoring service that some collection agency had put two collection accounts on my credit bureau today!!! I have NEVER received anything from them in the mail and have no idea who they even are, they are breaking every FDCPA law there is and I want to know who they are so I can possibly take them to court and sue them!! I am an ex federal employee and my information was hacked during the OPM breach. I am also a twice XXXX  mother who is insolvent due to the market crash which cost me my jobs over and over while working in the investment industry during the recession too and I am also insolvent so have 0 money, so they are wasting their time trying to " pick another carcus clean ''!!! I want this removed from my credit reports NOW and I want to know who this bunch of crooks is so I can contact an attorney about them breaking the FDCPA, I also used to work as a law clerk so will have no problem getting free legal advise!!! Please address this issue now!! Information from my credit report below on them. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$1400.00} Original creditor : XXXX XXXX XXXX A Overview You've paid off 0 % of your collection amount. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX  Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/ - {$990.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 

Balance {$990.00} Highest Balance {$990.00} Opened XX/XX/ ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Collection account Original Creditor Name XXXX XXXX XXXX XXXX  SEE AN ERROR? 
You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: EQUIFAX, INC.
State: VA
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:
After multiple phone calls, letter and online disputes fraudulent inquires still are showing on my Credit Report and they need to be removed. See below for the items in reference. 

Equifax : XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Received sealed Vanilla XXXX Visa Gift Card as gift. Recently opened sealed gift card for use and found that is was rejected, so I checked balance and saw that the card had already been activated a year before funds were loaded, XX/XX/XXXX, even though it was in sealed package. My gifter loaded {$250.00} onto card on XX/XX/XXXX, someone monitored that card and saw it was loaded and then used the entire balance the next day, XX/XX/XXXX. According to Vanilla XXXX, their gift cards can not be reloaded and newly funded cards can not be use until after 24 hrs. If their controls had been in place, this would have prevented the fraud from occurring. It seems odd that a sealed card that was activated a year before it was loaded would be quickly monitored and funds withdrawn the next day after it was loaded. I would not be surprised, if this was some highly organized scheme within Incomm, since I have found numerous issues reported by other consumers of funds withdrawn from these same gift cards after they were loaded and not action from Incomm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been with boa for 15 years and this is no way to treat a long time customer. When my grandmother got her ss check XX/XX/XXXX ) she wrote me a check for {$100.00} for the money she owed me. Well on XX/XX/XXXX I have a {$100.00} and a {$12.00} chargeback fee. Apparently her check had bounced. Well my aunt ( whos always cleaning up my grandmothers messes ) turned around and wrote me a check for {$200.00} so I wouldnt have any negative impacts bc of my grandmothers bad check. I see today XX/XX/XXXX that boa has extended the hold from XX/XX/XXXX-XX/XX/XXXX. Thats a total of 13 days they are holding this little {$200.00} check!! Are you freaking kidding me?? Not only did I get charged a {$12.00} fee bc of HER bad check but now I have to wait 13 days for {$200.00} to be available to me? Today XX/XX/XXXX I spoke to 1 cs rep and 2 mgrs. All 3 said same thing- nothing we can do. Im beyond XXXX and want this resolved ASAP!!

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 2020-04-29
Company: EQUIFAX, 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:
XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX  XXXX  BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: CURO Intermediate Holdings
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank account was taking all of my funds out of my bank account I want payment stopped cant afford for all of my funds to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have had flawless credit for 30 yrs. I've had Chase credit cards, " Chase Freedom '' specifically since XXXX with no problems ever. I've done many balance transfers in my life, so I have plenty of experience. I recently did a balance transfer with Chase Freedom for {$9000.00} ( did many with other Chase cards, but apparently not " Freeedom '' ) When I got my first bill, my minimum payment was {$470.00}. I was SHOCKED. I immediately called on XX/XX/XXXX. The representative told me that the min payment was so high bc they were making me pay the " Balance transfer fee '' up front, but my future payments would be around {$90.00}, 1 % of total balance ( which is standard, AND the rate THEY ADVERTISE ) I went to pay the next payment on XX/XX/XXXX & was once again SHOCKED to see my minimum payment was {$440.00}. I paid it, but I have been trying to work this out with Chase ever since. Apparently, the representative was WRONG & I am actually expected to pay 5 %, instead of the standard 1 % they normally charge, bc that was written in my " user agreement '' paperwork back in XX/XX/XXXX!! 28 years ago!!! They currently charge 1 % to everyone else in the world. My other cards, including Chase, are all 1 %. This {$440.00} is an unreasonable amt to expect someone to pay for 1 credit card. I have kids & many other bills to pay. They never warned me they were so " off the charts '' with their minimum payment percentage, ( except for my original paperwork in XX/XX/XXXX ). They offer everyone else 1 % terms. They change THEIR " terms '' anytime it benefits THEM, but won't budge to lower it to make this payment more affordable & reasonable. So, I also asked them ( as soon as I found this out ) to refund my {$360.00} transfer fee so I could use it to transfer the balance to a different card with a more reasonable minimum payment. They refused. I also asked if they would transfer to my CHASE SLATE card, which has 1 % min pmt, they also refused. They will not work with me at all. I am a responsible working person. I would like to preserve my good credit. I could easily transfer again to a different card, but I'd have to pay another lump sum of $ again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17
Company: CL Holdings LLC
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:
XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: Optimum Outcomes, 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:
I have been a victim of identity theft. This is particularly frustrating to me because I am a XXXX XXXX in the community and teach others about how to protect their identity. 
This happened several year ago and it has taken alot of time away from my family and I to try to rectify this. There are accounts that are not mine. Yes.  I have hired a lawyer here in Texas to contact these companies but the collection companies appear to be stubborn and actually I believe they are refurnishing the accounts or selling them off to other collection companies. I do need help and can certainly provide your institution a copy of my police report. I am grateful that our government has an oversight organization to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
I am writing to dispute information that XXXX XXXX XXXX Credit Card supplied to XXXX, Equifax Information Services, LLC, and XXXX  XXXX XXXX. 

Retailer account at XXXX XXXX XXXX Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. 

Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that XXXX XXXX  ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. 

When XXXX XXXX  attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. 

I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. 

I am requesting that XXXX XXXX XXXX Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. 

Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$630.00} THE COMPANY CLAIMS I OWE THIS MONEY BUT I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY CONSIDERING IVE NEVER LIVED IN THE AREA WHERE THIS COMPANY PROVIDES SERVICE. THEY HAVE FAILED TO RECOGNIZE AND RESPOND TO ANY OF MY MAILINGS TO THEM. I HAVE FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION AS WELL AND NOTHING HAS TRANSPIRED WITH THIS 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