BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: Bread Financial Holdings, Inc.
State: PA
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 opened a XXXX XXXX XXXX ( Comenity Capital ) for XXXX. I was talked into opening an account and was told I would not be charged interest until 6 months after I opened my account if my balance was not paid off. I opened my account XX/XX/XXXX  with a balance of XXXX. I didnt receive a XXXX statement and the XXXX statement did not have interest. My XXXX statement had interest charges of {$23.00}. XXXX interest charges are XXXX and XXXX is {$17.00}. On XX/XX/XXXX I sent a message inquiring about the interested charges. I have a letter from the credit card company saying that my account is currently subjected to special terms which my account is not. I spoke with a customer services representative, who then transferred me to a supervisor who stated they could not do anything for me. They can not refund the interested rate because they are the credit card company not the merchant. THIS IS FALSE ADVERTISEMENT. The only reason I signed up for the account is because I was told that it would be 6 months interest free.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had paid on these loans for over 7 years, sometimes paying additional money to go to principle.  In looking at the records, that doesn't show on the payments.  As a matter of fact, when calling customer service about this issue, they would just state "it is going to principle, we don't have a way of proving that".  I paid on these loans every month over 7 years.  My debt owned did not even barely go down over the course of my payments!  I have finally looked into it more closely and decided to refinance.  I refinanced $XXXX, which shows a payoff date of 7 years.  My original loans were roughly the same amount when I began paying...how it is possible that over the course of paying I didn't put but a small dent in my loans in roughly the same time period?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-11
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: TN
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:
I notice a charge off from XXXX XXXXXXXX XXXX reporting on my credit reports. A charge of is considered a certificate of indebtedness. According to the Internal Revenue Services, if debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so the charge off must be removed. 

My credit utilization is reported on my credit report. It illegal to report transaction history according to the Fair Credit Reporting Act. As a consumer, I value the accuracy and fairness of the information in my credit report. Could you please provide insights into the specific legal provisions, especially under the Fair Credit Reporting Act ( FCRA ), that govern the reporting of transaction history? Additionally, I would appreciate any clarification on how the inclusion of transaction details aligns with privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there idiots and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this XXXX Complaint since I have XXXX open complaints against Equifax XXXX XXXX at CFPB lack of responsabilitys to enforce I am asking all XXXX open cases to be closed as I have exhausted myself with this waste of tax payers money agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( XXXX JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME YOUR AGENCY IS A JOKE AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that XXXX as well Equifax responses are not alone lyes but slapping you in the face stating they can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Fidelity Creditor Services inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, I've sent multiple letters to Fidelity Creditor Services. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

My last correspondence to them ( see attached ), was indeed received by them as reflected on my certified receipts ; however, they have not responded. My certified receipts reflect that they received my dispute. The first set of documents provided bu this company lacks veracity. They bore handwritten information that appeared to have been manipulated. The first violation is that Fidelity inserted this unverifiable, inaccurate entry on my report without providing me time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my first dispute. These are direct and blatant FDCPA violations. Fidleity must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? Or the {$470.00} that is reflected as the original balance. Why are there two different numbers? These numbers are arbitrary and lack veracity. Fidelity is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

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 2019-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
While vising XXXX my debit card was transacted for $XXXX  and debited from my account. Wells Fargo said because my PIN was used that i gave someone permission and closed my claim. This is untrue as no one has my PIN and my card did not leave my procession. there was also 3 other denied transactions leading up to the amount in question. Why  didn't wells Fargo stop my card then, when it was evident that someone was trying to access my account? The occurrence happen XX/XX/19. Please help 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 2021-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a statement dated XX/XX/19 stating my payment was $XXXX, I then received a statement dated XX/XX/19 stating my payment would be $XXXX. I called for clarification on XX/XX/19 and spoke with XXXX  he explained something about an escrow shortage of $XXXX and a rec. Corp fee of $XXXX   which came to a total of $XXXX. Although it wasn't explained clearly and I had to pull teeth to get an actual number, I paid  the total of $XXXX escrow and fee shortage. I then receive a statement on XX/XX/19 showing my payment is $XXXX and the $XXXX payment is showing on the statement as unapplied funds. I called again on XX/XX/19 and was told the $XXXX payment was applied to the mortgage, instead of an escrow payment even though the check clearly stated escrow and rec. corp payment on the check. I then received another statement dated XX/XX/19 stating my payment is $XXXX. I still haven't been able to speak with someone who can tell me what my next payment will be and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
mt student loans went from XXXX XXXX to Navient & I was due last year for a deferment so I called and they said I was approved based off my income and was good to go and could pay if I was able to & if I was not able to no worry about it I would need to re apply for deferment in XXXX XXXX 2017 so I tried calling and doing another deferment and ask why on my credit is it showing on some months I did not make payments they said was not showing in their system I had a deferment for those months but the were random which does not make since and they have refused to help me figure out the issue and why the repayment is so high they want me to pay as much as 1 and half of my weekly checks I can not do that as a mom of XXXX & when I offered to try & pay $ 20- {$30.00} here and there the denied stating I can not make a partial payment must be in full which does not make since if I was in deferment now I have all this supposed extra interest. they are not helpful at all and Im to the point they just need to be forgiven since they do not want to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
harris and harris has called seveal times and left messages wanting to collect a debt from the previous owner of this telephone number that they have on file. i have called them back several times to explain that the number they are calling was given to me by XXXX XXXX when i signed up for sevice as we had to get a new phone number with the service, and the person they are looking for does not live here. they get ignorant about it and just hang up, and keep leaving messages.the phone number for harris and harris is XXXX can you help me!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
So I drive tractor trailer over the road and I been gone for over a month and a half XX/XX/ I opened an account before I left deposit funds in the account for emergency reason and for my house only to find out someone has been using the account without my knowledge I contacted bank fraud department to report it on XX/XX/ then to be told my claim was denied because of the reason the transactions was connected to my phone I explained to them some had stolen my identity i reported a police report gave it to them still no help Im out of {$7500.00} I asked could they reopen the investigation in look into the matter deeper because my claim was denied in 3 days after my first call on XX/XX/ the money I put in the account was for my home purchase and I feel Im getting robbed by a scammer and the bank I ask what else documents I can provide and they told me anything to help my claim I gave them a police report and still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unfortunately. I am a victim of identity theft.

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 2019-12-11
Company: Home Loan Center, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Applied for personal loan with company stating to be Lending Tree. Ultimately approved loan for XXXX but wanted me to buy gift cards with money they were to deposit into my account for credit insurance. They have my drivers license and SS number. XXXX is the number.

Company response to consumer: Closed with explanation