BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on XX/XX/XXXX- 16 days prior to the Comenity established payment due date.

I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was  sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/23 I paid off my account statement to the card at once ( approximately {$590.00} on a {$600.00} limit ) ; I am using the card to build credit so trying to use it and pay off the balance each month. The card showed that the statement was paid off. The terms of service do not authorize the lender to arbitrarily freeze the card based on paying off " large '' amounts. I received no notification of why the account balance was being held post-payment. 

XX/XX/23 I confirmed over the phone that I made the payment. I asked them to point out where in the agreement it said they were authorized to hold the account ; they refused to answer and said they weren't allowed to tell me why other than that I had made a " large '' payment. They told me it wouldn't be unfrozen ( arbitrarily ) until XX/XX/XXXX at the earliest and could not confirm that this would not happen in the future.

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 2023-05-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed XXXX XXXX XXXX XX/XX/XXXX account is closed would like it to be removed

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-01-27
Company: EQUIFAX, INC.
State: AZ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The hospital bills that shows on my consumer report is invalid and do not apply to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
security systems legally had to remove from my credit and they did, then they illegally put it back on my credit. its not mines then XXXX XXXX reported me and its not mines. they don't respond to me. these accounts are not mines XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$2000.00} Closed XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$0.00} Closed inquiries not mines XXXX Inquiry : XXXX. XXXX, XXXX + Telephone Companies XXXX Inquiry : XXXX. XXXX, XXXX + General Clothing Stores XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry :  XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX Inquiry :  XXXX XXXX, XXXX + Miscellaneous Utilities Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX + National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( 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 2023-01-06
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-07
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The complaint is about Chase bank. I was planning to close my XXXX XXXX savings account, so I needed to transfer the funds to my Chase checking account. Through the Chase website, I set up two electronic transfers, since there is a {$25000.00} daily limit. The first transfer on XXXX processed without issue. The second transfer on XXXX was pending review, and then I received a voicemail from the Chase fraud prevention department. When I called them back, they told me that I could no longer transfer funds from my XXXX XXXXXXXX account to my Chase account via ACH. I asked for an explanation, and they refused to provide one. They said I could do a wire transfer, probably so they could collect the associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband and I took out a loan for home improvement in the early XX/XX/XXXX. I know the loan was paid way before XX/XX/XXXX. In XX/XX/XXXX I inquired to take another home equity and they said on credit report our first one was never paid. I did get a letter from Chase saying it was paid and I thought that was it. Come to find out in XX/XX/XXXX they never sent the town I live in discharge paper and note saying it was paid in full. I worked on it and Chase then sent the town saying the loan was paid in XX/XX/XXXX. So it looks like we were in default for all those years when we were not. So I asked 4 times for a letter noting the date it was paid and Chase continually sends me letters asking me to do the leg work I already did. They even told me we fell through the cracks. I just received a letter from XXXX XXXX at Chase XXXX asking for all the information all over again. I am getting a run around big time. I left a message that I was reporting this to you today. I don't know what else to do. 

Thank you XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have ALL violated my rights! 

15 U.S.C 1681 section 602 A. States I have the 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 my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 COMPANY BOUGHT MY MORTGAGE FROM ANOTHER COMPANY IN XXXX OF 2021 AND HAS NOT REPORTED TO THE CREDIT BUREAUS PLEASE SEE ATTACHED CREDIT REPORT FROM XXXX SHOWING NO MORTGAGE.

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 2023-01-27
Company: Incomm Holdings Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX I purchased a {$500.00} Gift Card from a local grocery store. I have the approved and authorization number showing the {$500.00} was added to the Vanilla Gift Card. After the XXXX XXXX XXXX XXXX XXXX XXXX tried to use the card and it was declined. I went to the Vanilla Gift Card website to check the balance and it kept giving me an invalid card number. I called the customer service phone number that is on the back of the card. Vanilla Gift Card customer service said someone else called concerning the account number that is on the card to be replaced. They supposedly lost the card. They gave me a case number and was informed I would receive an email from XXXX. It took 10 days for me to receive the email. I followed the directions in the email which I submitted front and back of gift card, the approved activation for {$500.00} and my drivers license. I have not heard back from them since I emailed them which has been at least 3 weeks ago. I called them today and was told it takes up to 90 days to hear back from them. Poor customer service. I just want my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Friday the XX/XX/2018 it was a hold or freeze put on my paycheck that was sent through PayPal so I called and got no good info only thing ai was told it was for security reason because of the amount it was which was only {$220.00} but it could take them from 72hrs to 21days to hold my money but Im not a seller or buying anything its just a issued check for work which I give out free government phones through XXXX XXXX/XXXX  XXXX so how can my money be alerted for security if Im not buying or selling good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/22 - CareCredit XXXX Synchrony Bank ) card for a medical procedure totaling {$5500.00}. 

XX/XX/22 - Paid {$170.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$30.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$430.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$41.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Was charged late fee of {$41.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Called to inquire about late and interest fees. Spoke to XXXX, who explained that even though we paid ahead of the XXXX and more than the minimum, the payments occurred within the " billing statement period '' and that payments should be made after the XXXX or so and before the XXXX to meet the XXXX pay date. 

I explained that I was not aware and asked if the fees could be removed. 

She authorized the XX/XX/22 late fee of {$41.00} to be removed, but could only do one in a 12-month span. 

I asked about getting supervisor approval and she said that she would inquire. 

XX/XX/22 - Received a " past due '' notice from CareCredit. 

XX/XX/22 - Called to inquire. Do not recall who I spoke to. Asked about this notice AND about the supervisor decision from XX/XX/22. She noted that I had called, but I again was told about the one late fee removal in 12-month span. No other fees were removed. 

XX/XX/22 - Made payment of {$300.00} so late fee would not be charged.

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 2018-08-12
Company: Experian Information Solutions Inc.
State: ME
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:
On XX/XX/2018 I uploaded to Experian online dispute website, a dispute to remove incorrect names listed on my credit report, stating that unverifiable names needed to be deleted, because they were no longer verifiable. The dispute came back with basically nothing done, incorrect address were not removed. 

On XX/XX/2018 I again uploaded to Experian online dispute to correct names, this time I send a notarized copy of my drivers lenience & Social Security Card. The dispute came back, including a credit report, with NO NAMES listed. 

I went on line to Experians dispute website and found, what they did was keep all the names, all they did, was flagged each name to NOT printout it my credit report. The links to the incorrect names still remained. 

The names and links from the incorrect names were NOT deleted as required by law.

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 2021-03-02
Company: Allied Collection Services, Inc. (Nevada)
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the company to set up a payment arrangement via ACH payment. Three payments were processed XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as paper checks, which I did not authorize that form of payment. I called in to get the transactions reversed because i did not authorize the form of payment and Manager XXXX XXXX informed me that the payments were processed as ACH payments even though I provided proof via bank statement that the payments were processed as checks. The company is refusing to refund my payments, therefore legal action will be taken.

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