BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX XXXX XXXX uses a company called Comenity to run their store cards. Comenity 's online payment portal has been down since XX/XX/2021. It does appear to be working as of XX/XX/2021. When you call to make a payment Comenity charges a fee for doing so. They have refused to waive late fees even though their website has not been functioning for months. Not all of us want to pay to make a payment by phone, or wait at a store or on the phone to process the payment. Their {$35.00} dollar late fee is excessive given that they have a broken payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and delete the listed incorrect information on my credit report. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Southern Auto Finance Co
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: Account status incorrect

Complaint:
this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX shows XX/XX/2018 and XXXX   shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021 XXXX XXXX denied me access to my account. The PenFed 's website gave me an error message that I am including in one of the attached files. 

While it is understood that XXXX XXXX system may experience technical difficulties once in a while, it is expected that the company should keep track of the issues, identify the causes of the problems and attempt to resolve them in a timely manner. 

When I reported the problem to PenFed, its representatives denied that their website was not functioning properly and claimed that it was my browser that was having the issues. 

I requested PenFed to provide any evidence that they may have supporting their claim that all my we browsers on all of my devices independently were having problems at the same time.In response PenFed has not provided any evidence and only speculated that the issue was with my browser. 

In response to my complaint PenFed requested that I, in my free time, perform a burdensome task of a Quality Assurance Engineer of gathering technical details of the incident and spent time on the phone with them assisting their employees in identifying their problem and refused to acknowledge that their company website was having the problem.

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 2023-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
These accounts and inquiries are not mine they was made without my permission, or consent,. inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Today on XX/XX/2019 I had been using Transunion.com to view my credit report, a website to which was advertised as free to use and had finished updating my account only to find out {$26.00} had been deducted from my XXXX account. Then, I proceeded to find a way to cancel my account on the website, but was unable to find any sort of link related to this and couldn't call since it was after office hours so I tried looking online for any answers about this and found links that other people used to cancel their account, but it had not worked for me either. The most bothering part about this is that multiple people have been taken advantage of by this website and yet their customer support is still just as poor. Tomorrow morning I plan to call and see if I am able to cancel and hopefully get a refund.

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 2021-06-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The company was supposed to pay a redress in the form of a refund. Insteas of mailingnme mt XXXX dollars, they put it towards a " balance '' I owed to them from an overdraft service in which the settlement was about. So they basically used the money to pay themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute and disagree with this supposed debt which the collection agency is attempting to collect.. I dispute and disagree that I have ever had or in any way owe such debt as referenced in their XX/XX/XXXX notice. 

The vehicle in question for which I am being told the debt is owed was part of a contract XXXX XXXX for XXXX and was a contract with XXXX. The terms of the contract were such that if all payments were made in full and vehicle  was turned in/picked up by XXXX in XXXX when due at the termination/ end of the time period contracted with XXXX there was no amount or payment due at the time vehicle was turned in/picked up. I met these conditions. 

Further the vehicle was picked up by XXXX on time XXXX, as contractually required with no outstanding balance. From XXXX to present there was no communication, notice or indication of balance due or any amount outstanding at the time of pick up. And from the time of pickup of the vehicle by XXXX to this date there has never been any communication, request for payment or notice of amount due, from XXXX, or XXXX XXXX ( at the time a part of and extension of XXXX as its leasing arm to XXXX  and XXXX XXXX ), or any other entity. No notices, claims, request, invoices, detailed accounting or presentations or communications of any kind regarding any amount owed or outstanding balance.

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 2023-07-29
Company: EQUIFAX, INC.
State: IN
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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a Schwab bank brokerage account and checking account at XX/XX/2019. They  checked my credit at XXXX with Hard pull inquiry. I got approved at same day. everything goes right. I set up my online banking ready to fund to my account. When I try to login in my online bank at XX/XX/XXXX. I realized my account has been close by the bank. I called their customer service they said everything is ok but my XXXX  has negative information about my account?? What. I opened lots of bank account never have problem about my account. And they check my credit thru my SSN. and already approve my account. Why they still check another system to close my account. I don't accept it. I think they insult me a lot.

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 2021-11-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
State: FL
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 am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX  nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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 2021-03-17
Company: EQUIFAX, INC.
State: MO
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:
I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
ONE MAIN KEEPS PULLING PROMO INQUIRIES FROM XXXX  AND XXXX AFTER BEING OPT-ED OUT FROM ALL STATE AND FEDERAL AGENCIES, ESPECIALLY, XXXX  AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Adonis Auto Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
Subject : Request for Refund of Down payment for XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter regarding the purchase of a XXXX from your car lot during the summer of 2022. I had financed the vehicle with your dealership and unfortunately encountered a significant issue that was promised to be resolved but was not adequately addressed. 

At the time of the purchase, I was assured that the air conditioning ( A/C ) system in the XXXX would be fixed before delivery. However, despite my numerous follow-ups and attempts to have the issue resolved, the A/C problem persisted, and I was left with a vehicle that did not meet the promised standards of functionality. 

As a result of the unresolved A/C issue, I had no choice but to return the vehicle due to stop payments. It is important to note that this action was taken as a last resort, as I genuinely intended to resolve the matter amicably. Regrettably, the lack of response and inability to fix the A/C issue left me with no alternative but to take this step. 

In light of the circumstances and the fact that services were never rendered as agreed upon, I kindly request the refund of my down payment made for the XXXX purchase. It is only fair that I am reimbursed for the amount paid, as the vehicle did not meet the promised condition and the issue was not resolved despite my efforts to communicate with your dealership. 

I must emphasize that I would prefer to handle this matter amicably and avoid any legal action, which would be the next step should my request for a refund be disregarded. I believe it is in both our interests to resolve this issue promptly and in good faith. 

Furthermore, I would appreciate it if all correspondence regarding this matter could be conducted through mail or online communication, as it allows for a clear and documented record of our discussions. 

I would like to mention that the negative impact on my credit report resulting from the return of the vehicle has already been rectified, as the service was not rendered due to the fault of Adonis Car Lot and not my own. 

I kindly request a response to this letter within15 days from the date of receipt. Please provide the necessary steps to proceed with the refund and any additional information or documentation you may require to expedite this process. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution and avoid any further complications. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX  XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Personal information incorrect

Complaint:
After reviewing my consumer report I noticed that I have several addresses listed on my report where I never lived. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I have never lived at these addresses XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX. 
I demand these addresses get deleted off my report. 
I am a victim of identity theft, I have attached the police report and a copy of my Consumer Credit Report with this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: Integrated Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer 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 non-monetary relief
Consumer complaint received 2021-06-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Cryptocurrency and any online transaction takes only a maximum of 15 seconds, transfers shouldn't take 3-14 business days for any account means to me as an XXXX XXXX XXXX Lifetime Holder snd XXXX XXXX that BB & T and XXXX XXXX XXXX and all I've experienced since trading stock investments using XXXX XXXX XXXX and even XXXX they are stopping money transfers to online banking, please investigate them snd tell the magistrates and judges that they aren't XXXX XXXX in my oponion as a professional, they are sane and purpospely stealing money, and why the lock, freeze, and close then reopen accounts. Please alert authorities to have them all involved arrested?!!!!! 

Thanks, and best regards to the faithful and true, From : XXXX XXXX FCC # XXXX 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