BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-23
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: Old information reappears or never goes away

Complaint:
This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted XXXX/ XXXX/ XXXX regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and Trans Union ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. XXXX XXXX XXXX told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.

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 2022-08-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Bureau Experian has not been updating my delusions and removals. XXXX  numbers are incorrect and I want a critique of my credit report and delete outdated in XXXX also my credit card information is incorrect. Also also XXXX XXXX has to update my credit report from credit XXXX also my XXXX  account is incorrect and I want that fixed thank you

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 2018-03-23
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
ON XX/XX/XXXX a gift card was purchased at XXXX XXXX at XXXX in XXXX XXXX XXXX CA. Phone number XXXX. The card number being XXXX Was mailed to XXXX XXXX in XXXX Texas. The card was received in the mail XX/XX/XXXX. 
Upon trying to use the XXXX funds on the card, it was shown that the card was already used on XX/XX/XXXX at XXXX XXXX. store in XXXX Ca at XXXX XXXX for the full amount of XXXX. 
I immediately contacted BHNDISPUTE dept. and they advised me to fill out a DISPUTE FORM and either fax it or mail it, I did both. I have called several times and they had asked for proof of purchase, so I sent them the information they needed via email. When calling them they stated they have not received anything so I kept sending it. I have called numerous times and have been unsuccessful with any answers, the only for sure thing was they kept telling me to be patient and let the dispute dept. investigate. They also told me if it was a bank card that purchased the gift card you would need a bank statement. A credit card did not need one. The gift card was clearly purchased with a credit card. During the duration of XX/XX/XXXX to XX/XX/XXXX I never received a phone call from them, and the only piece of mail they sent me WAS THAT THE DISPUTE WAS CLOSED AND COULD NOT BE REOPENED From Blackhawk Network. I then called XXXX in XXXX XXXX XXXX where the gift card was a purchased and they made a call to the company, no success, I also called XXXX in XXXX Ca but was unsuccessful of a return phone call to let them know that there was a fraudgelant charge that occurred there. This company was completely unprofessional and very difficult to work with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: Payfare International Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
my account was frozen for what was supposed to be XXXX XXXX because I accidentally used the wrong ccv number and it locked for XXXX XXXX I've tried XXXX times to contact XXXX to get the issue resolved and they did not help they gave me phone numbers that didn't work and then when I tried to contact payfare I couldn't find a number that was directly linked to them I have money in the account that I can't use I can't even transfer it to my actual bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: ONEMAIN FINANCIAL 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: Account information incorrect

Complaint:
1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one.

2 ) On XXXX my XXXX XXXX XXXX  account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
COVID-19 arrived. I wrote a nice letter to Bank of America in XXXX of 2020, requesting a 3-month forbearance of payments, interest, and late fees on my XXXX XXXX XXXX credit card. 

They are still charging my account for payments, interest, and late charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It has been well over 45 days ago I reported an inaccuracy on my credit report to Experian Credit Bureau in regards to a late payment from XXXX XXXX. I was never late on my payments and all other credit bureaus have me in good standing with this company as well. I requested proof of verification from the credit bureau and they have failed to present their proof. 

I demand that the following account be verified or removed immediately : I never had a late payment 1. XXXX XXXX Case # XXXX Date : XX/XX/2016 Please remove it from my credit report. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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 2019-04-06
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX. My clients ( Buyers ), who are personally my friends for over 20 years went to RP Funding to get a pre-approval letter for a home mortgage loan. The person who assisted them, XXXX XXXX asked them if they had a Realtor. They answered yes. This lady crossed the line and told them that if they used one of their Realtors they could save money and they will pay their closing costs. They felt their back against the wall and of course when people don't know they thought it was a great deal. My buyers were ready to put an offer on a property they liked. My friend called me to tell me what happened and said that they ended up putting the offer with the other Realtor. This incident happened between Wednesday afternoon and Thursday. I spoke to my friend on Friday and found out their offer got accepted. I am shocked, everything happened so fast. I still can't believe how this lady stole my client. Who would want to refer a client to RP Funding after this? The Realtor representing this transaction is XXXX XXXX. The agent who showed the property is XXXX a guy from XXXX and XXXX XXXX ( loan officer ) is the lady who spoke to my clients. RP Funding, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was XXXX years old and had health insurance through my father. XXXX refused to file it will my insurance so it went into collection. I'm in the process of buying a home and I need this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: SLM 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:
XXXX XXXX student Loans company and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. XXXX XXXX XXXX XXXX has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 )  they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency. I understand that the debt has been removed from my collection but during the time it was on my credit report it caused me financial damages over {$500.00} I am seeking for the debit collection agency to pay for the damages it had caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
Credit Bureaus are ILLEGALLY reinserting FALSE information into my credit reports. A while ago, I noticed an account on my report that did not belong to me, I had filed an identity theft report with the police. Under investigation, they proved that the account is a result of fraud and removed it from my report. Years later, when I reviewed my credit report, I noticed that the fraudulent account had REAPPEARED on my report! 

Previously, the credit bureaus investigated the following collection account and determined that it did not belong to me ; and thus, you deleted it from my credit report : Account # XXXX Account XXXX Now, it has reappeared on my credit report, which is a violation of law. 

The Fair Credit Reporting Act states : The information may not be reinserted the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
" The consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and provide contact information for the company that furnished the information. '' And, they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted. 

I was NEVER NOTIFED. Nor was I given the opportunity to explain that this does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 US 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: VA
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:
Please see attached affidavit which has already been submitted to both XXXX XXXX XXXX and XXXX XXXX XXXX. And Equifax has the audacity to sent a letter to me the consumer, natural person, and original creditor stating that this alleged debt, this charge off was validated and that the alleged debt was mine. This has infuriated me, I personally feel threatened being that with that XXXX XXXX and Equifax are both telling me they are above law in which Congress enacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Mr. Cooper Group 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:
Hello, My name is XXXX XXXX and the reason I am reaching out today was to complain on Pacific Union and their their lack of response and reporting. I have done everything they have asked and followed every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ALLY FINANCIAL INC.
State: MN
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:
Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.

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 2018-02-15
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.

Company response to consumer: Closed with monetary relief