BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I have used XXXX XXXX XXXX  credit card for several years without a problem. When I tried to make a payment on my XXXX credit card, I found out it has been sold to Comenity - I had no prior knowledge of this transfer. I was given a number for Comenity and on Friday, XX/XX/22, I contacted Comenity and was informed that my credit card with XXXX had been cancelled on XX/XX/22. There was no prior notice given. I was told that a credit card had been mailed and I informed them I had not received it. They apologized and a new card was issued and supposedly expedited ; I was told I would receive it within 48 hours. Today I called & was informed that I would receive the card no sooner than XX/XX/22. I had the XXXX linked to XXXX, ( where I purchase groceries thru XXXX XXXX ) and have not been able to use the credit card. 

I have no confidence in Comenity and would like to cancel this credit card without it affecting my credit score or losing the rewards I had with XXXX, approximately {$70.00} +/-. I would appreciate any help you can give me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 CHASE AUTO Bank XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Hello I sent a Certified Letter on XXXX the XXXX 2017 to  Wells Fargo asking them to provided documentation of my debt and account with my original signature. They have not provided this information but have a account reporting on my credit report monthly that is not mines. It 's been over 45 days and no verification. I would like this Wells Fargo account removed from all 3 Credit report immediately

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 2023-11-10
Company: Experian Information Solutions Inc.
State: MA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

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 2021-11-18
Company: National Credit Systems,Inc.
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: Their investigation did not fix an error on your report

Complaint:
The Preserve at XXXX XXXX was filled with rodents. Apartments was filled with infestation of nets, rats, and trash. This property also been on the Televison News station viewed on air publicly for these rodent problems. 
It was reported the whole short period of time, in the beginning and end of 3 months span. Maintenance never fixed any issues This needs to be deleted and removed from my credit report immediately due to the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: EQUIFAX, 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:
Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-07
Company: Meade & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previous complaint # XXXX was filed, but apparently you have no record of this company. The amount they are attempting to collect is {$120.00}. {$70.00} of this claim was resolved by XXXX XXXX dispute resolution. The other is apparently a {$50.00} paperwork fee of some sort? No product of any type was ever furnished and the on line agreement was canceled using their pre printed cancellation form within 7 days of an on online enrollment form. The purpose of this company is to supply high priced prescription medications not covered by XXXX XXXX XXXX or insurance. They never furnished any meds to me. I do have the XXXX resolution documents, but for whatever reason I ca n't upload them -- -- jpg?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
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 XXXXXXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX  XXXX Account number:XXXX  Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2021-11-18
Company: Mercedes Benz Financial Services
State: GA
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:
I purchased a car from XXXX - XXXX XXXX through Mercedes Benz Financial on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that Mercedes Benz Financial does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called Mercedes Benz Financial and they are not willing to help either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX i disputed an inquiry on my equifax report that wasn't initiated by me. On XXXX the XXXX hours after i made the dispute equifax claims that they already did the investigation and it is a matter of fact. This is impossible because i know that i don't have an acounts from this company nor have i applied for anything. I believe they didn't do any investigation at all there isn't anyway they could have done an investigation in that short of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this bill. It was disputed with XXXX XXXX and this company did not show a signed contract and no proof of bill of sale from then. I never had a bill with XXXX never signed nothing for this company. They took it off my credit and keep selling this over and over. I did a police report this is 7 years old and should not be on my credit and XXXX XXXX  told Al the credit reporting companies and they verified it and took it off and the sold it and now say XX/XX/2023. This is not true. This is my 2 time reporting this XXXX bill.

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 2023-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Inaccurate and outdated information for the following accounts is still being furnished to my consumer report after I asked for a proper investigation. 

Date of birth XXXX Work History : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX XXXX MI 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 explanation
Consumer complaint received 2020-01-29
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to a clinic when I was XXXX to have a XXXX. My dad went with me and when he asked the receptionist what it cost, he was told {$20.00}, which he paid. A few months later my step mom, who was not there at the time, starting getting letters saying she owed {$140.00} for this XXXX  ; she was never there and never signed, so she responded to them repeatedly and then they started sending me letters saying I owed it. At the time I was still XXXX and told them that they could not place this debt on me, and that I was with my dad when he was told it was only {$30.00}. And all he signed was a receipt. These people will not stop harassing me and telling me I have to pay or they will put a judgement against me ; I am still in XXXX XXXX. I just turned XXXX One month after this XXXX. They keep sending me threating letters and I keep disputing it and they leave me alone for a few months and then they start all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, Experian, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 an account without my handwritten instructions.

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 2021-11-18
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX I was contacted by phone by someone named " XXXX '' from Zenith Financial Network ( ZFN & Associates ). A letter from them is attached. 
He stated he could resolve a debt of mine from ( or transferred to ) XXXX Credit Card, original debt balance {$9200.00}, and it would be settled for {$1900.00}. I was confused at first, since I had never dealt with or had a credit card with XXXXXXXX XXXX  Upon looking through my records, I saw it was the same original debt and same last 4 digits of my card number from XXXX XXXX XXXX XXXX XXXX. That debt had been transferred to XXXX XXXX XXXX XXXX. Back in XX/XX/XXXX, I entered into a court settlement agreement to make monthly payments to XXXX XXXX XXXX XXXX, on behalf of XXXX XXXX. I was paying {$96.00} per month, after a one time payment of {$4000.00}. The balance of the debt as of XX/XX/XXXX was approx {$3000.00}. 
I told XXXX I was already making payments on this debt. The caller excused himself and said he would look into it. Two days later on XX/XX/XXXX he called back and said in effect that XXXX XXXX had been contacted and if I paid ZFN {$1900.00} everything would be cleared and " go away ''. Reluctantly but wanting to pay the debt off early I agreed to make the payment. 
In XXXX of this year after the automatic payments to XXXX XXXX stopped coming out of my checking acount, I believed everything was cleared and the matter resolved. 
Earlier this month of XXXX, I received a notice from XXXX XXXX saying a Judgment was pending against me and that I owed them {$4200.00}. I have now entered into a new agreement with them.

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 monetary relief
Consumer complaint received 2022-08-16
Company: Holiday Finance Corporation
State: TX
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX a hard inquiry XXXX XXXX XXXX XXXX late payments, when paid on time ), bank XXXX XXXXXXXX 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 a account without my written instructions.

15USC 1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: World Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt collection on my credit Report from a world finance. I never had a loan before with this company. I dont know where world finance located. Please help me with this issue. First time seeing this on credit Report. Sincerely yours XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
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 following accounts have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989

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