BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

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 2020-06-26
Company: CITIBANK, N.A.
State: FL
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 rewards from credit card

Complaint:
Loyal customer of Citi Cards for over 15 years. Purchased hotels on XX/XX/2019 using a Citi-Premier Card Thank-you Points on the XXXX web site. Contacted Citi in XXXX to notify them that I would not be renewing my card. I was told that I would have to call when the card was due to expire. I told Citi that I would be in XXXX, it was unreasonably that I could not simply have the card non renewed on the expiration date and the exact reason why I would be cancelling because of my displeasure with cancelling card benefits during a contract. This resulted in my purchase of trip insurance through another provider. The end result of that conversation I am told resulted in termination of my card on that date. I would say that I did not prematurely cancel my card at that time, Citi would say that I did. What sense would that make when I had already paid the premium for the card? Regardless, there is a 90 day policy to return points. 

All points used through Citi 's travel agency, XXXX, were put back on my Premier Card and then disappeared because of the expired card. Each time I made a phone call and Citi-Points then placed the points on my secondary XXXX Citi card. 

I used Thank-you points on the XXXX website to purchase two separate hotels one for {$100.00}, the other for {$270.00}. On XX/XX/XXXX, I received notification from XXXX that my points would be refunded by the same method used at checkout. When my points did not show up within 7 days I started making phone calls and have compiled well over 20 hours trying to resolve it often waiting over an hour to talk to a person. I simply get transferred from one department to the next or get cut off because the transfer never goes through. On the phone I filed a dispute and told it would be settled in 20 days. Nothing happened. I filed another and was told it would be resolved in 5 days. Nothing happened. When I call to find out how it was resolved nobody has any idea what I am talking about. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX number. I finally found out that all along the reason my points were not returned after numerous attempts was because my card number no longer existed and repayment was rejected. ( A statement that I had made to every Citi representative ) XXXX has tried everything to try to help me. They even tried to contact Thank-you points in a three way call but could not connect with a person! I called two different people in the department that issues Citi cards and both told me that I only had 30 days after card termination to activate the account which would have been possible if Citi would have directed me to do so back in XXXX. At the same time Citi returned points to that card for points used through 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 2019-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have been trying to place a freeze on my equifax account since the day of the free freezes started. Since XX/XX/XXXX i have been getting this error : " We are temporarily unable to complete this request. 
Please try again later. '' Calling always says they are updating the systems and call back in 30 minutes, so I try again the next day- same error- same excuse. Now 4 months later the same excuse is still being given out. I can not place a freeze on my account and the agents can not or will not help me do it of the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paid full amount due by the due date and the next month they charge an interest fee. And so every month you try to pay the full amount due ( the interest fee ) and its impossible because they charge an interest fee the following month again. 

And if you thought you were done and didnt catch their little scheme they charge late fees for the interest on a XXXX  balance account. 

Sounds like fraud to me! 

According to their statement : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I have not always been stellar with our finances but weve continued to become better with money. We have made payments on our debts even in this COVID-19 situation the best we can. We recently got a letter in the mail regarding an outstanding debt with Synchrony Bank from a collection service. We had been making payments from XXXX to XXXX. We used to card only one time to pay for some car repairs that were needed. Never again. Some of those payment we made were never reflected on our account and we then made a payment of {$600.00} in XX/XX/XXXX, which should have almost paid off the debt. We never heard anything else and thought it was taken of. Not until this year ( XX/XX/XXXX ) did we hear anything else after submitting a dispute later in XXXX. Now they are submitting info to a collection agency causing a drop in our credit after no comms. for nearly 2 years. We need this rectified and I will NEVER use Synchrony or any other 2nd hand credit company again. Thank you for your time and careful consideration on this matter. 

Sincerely, B, R.

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 2017-12-05
Company: STERLING JEWELERS, INC.
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 information incorrect

Complaint:
I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have  brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late. 

I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.

I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.

Thanking you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Real Time Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call but never lists any information beyond " an attempt to collect a debt ''. I do not wish to call and give my personal information as this may be a scam. I recently received a call from someone named " XXXX XXXX '' who will be attempting to " serve '' me papers at both my home and work address. My concern is no correspondences have been mailed to any physical address but now I am being threatened with court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Sony Visa card from Comenity Bank. 

I have had this card registered for autopay ( that is, to have my payment taken from my checking account automatically ) since XXXX. In XXXX of XXXX, I used this card to make a payment of approximately {$7.00}. 

Comenity Bank failed to process the autopay. Instead of processing the autopay, they held the debt as unpaid. In addition, they failed to provide me with a statement at the end of the month. 

Since Comenity Bank never notified me that they were going to cancel or stop taking my autopay, I believed that my bill had already been paid. I was shocked when, in XXXX of XXXX, I started receiving phone calls regarding an unpaid bill. I exorcated Comenity thoroughly for not taking the autopay as they should have and paid the bill directly. 

I recently found that Comenity has reported a delinquency on my credit report. I should not have a deliquency because of Comenity 's failure to take my autopay. 

I want the delinquency removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   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 2020-05-08
Company: EQUIFAX, INC.
State: AZ
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 have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified. 

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert from XXXX XXXX showing National recovery agency has reported a debt that they alleged I owe from XXXX, I never received any notice to dispute the validity of the debt, also they have the opened date as XX/XX/XXXX. On the credit it is showing that XXXX XXXX is the original creditor, which they failed to bill the secondary insurance. 

National Recovery agency is not licensed in the state of Maryland to collect, per Maryland guidelines you have to be licensed in the state of Maryland in order to collect a debt.

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 2021-04-02
Company: EQUIFAX, INC.
State: OH
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 the attached document for reference to the facts of this case. Equifax has grossly and willfully caused damages and injury to the Complainant in numerous ways encompassing a violation Federal Law - i.e., by knowingly violating the relevant provisions of the FCRA repeatedly with a blatant disregard to the rights guaranteed the Complainant. 

It is now XX/XX/XXXX, and since XX/XX/XXXX, Complainant has submitted AT LEAST 7 consumer disputes of inaccurate information, and subsequent requests for the method of verification in each instance, totaling at least 7 DISPUTES of INACCURATE information being held and disseminated FOR PROFIT by Equifax. 

Equifax willfully, knowingly, and without being able to show true verification or validation of ANY of the disputed information, has and continues to violate the provisions of the FCRA to the direct injury of the Complainant. NOT ONCE has Equifax, since XX/XX/XXXX, shown or provided at the request of Complainant, supporting documentation or otherwise evidence required to permit the disputed information to REMAIN on the credit file, therefore it MUST be deleted IMMEDIATELY based on this repeated failure alone. 

Complainant is seeking assistance to COMPEL Equifax to OBEY FEDERAL LAW and immediately, without further undue DELAY under the guise of an " investigation, '' to promptly DELETE EVERY DISPUTED ACCOUNT at issue that is outlined in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts

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 2018-08-01
Company: Motolease, LLC
State: FL
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:
For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University XXXX XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent Experian a letter disputing the inaccurate information of the XXXX XXXX account that they are reporting. It has been 30 days and I have not received any update or results from my dispute.

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 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2020-05-08
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:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

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 2020-05-08
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They went against the Military Lending Act and charged me 64.54   % annual percentage rate from XX/XX/XXXX-XX/XX/XXXX.  {$4000.00} quickly became {$7500.00}.

Company response to consumer: Closed with explanation