BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was trying to use my Express credit card on XX/XX/17 and it was declined. I was confused as to how that can be when it shows that I have available balance and wasn't past due on my payment. I contacted XXXX and the representatives referred me over to Comenity Bank, its financial servicer. The Comenity reps and supervisor advised me that there was an internal software glitch over the summer which still left accounts like mine to still have issues. Comenity told me that they will have to submit this issue over to its IT department and have them to correct my account. A couple of days passed by and I noticed on my current credit report that the XXXX account 's status was shown CLOSED. I immediately contacted XXXX and their chat representative indicated that it was indeed closed. I explained to the representative that I never requested for it to be closed and he referred me once again to Comenity Bank and I spoke with one of the supervisor 's named XXXX. 
He did see that I reached out to Comenity Bank on XX/XX/17 and he submitted a 2nd request form to the IT department. He said also will submit a form to have the credit tradeline to reflect that it should be opened. However, it didn't sit right with me that when I originally reached out to Comenity ( XXXX ) nothing has been resolved yet. So who's to say that they will resolve this the 2nd time?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt was disputed, the debt collector refused to respond or cooperate with dispute. 
Debt amount is incorrect and old, yet is still on the credit report stating false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Lendmark Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have reason to believe, and do so believe, that Lendmark Financial Services did not loan me anything and I do not have any alleged debt with them. Pursuant to 15 USC 1602 ( f ), ( g ), ( l ). I have reason to believe, and do so believe, that this is a consumer credit transaction where I as the original creditor used my credit card, which is my social security card, to assign myself to the creditor by granting the right on the existing credit plan. As pursuant to 12 USC 1431 ( a ). The power and duties of banks is to be a borrower. I have reason to believe, and do so believe, that Lendmark Financial used my credit card to get a loan, and pursuant to 15 USC 1692j ( a ) created and furnished a deceptive form in the attempt to make me the consumer think I got a loan. I've sent a debt validation and cease and desist letter via certified mail, as well as a notarized affidavit via certified mail, and I have not received any response my mail. Lendmark Financial has continued to report on my consumer credit report during this time, with no regard for federal law nor my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: AES/PHEAA
State: MD
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:
Fed student loan also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
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:
After carefully evaluating items on my report, I discovered multiple fraudulent items listed on my report. I am a victim of recent identity fraud and need the fraudulent items blocked 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 non-monetary relief
Consumer complaint received 2021-02-03
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This case is with two prepaid XX/XX/XXXX Prepaid XXXX that I had received through Cardholder Services - XX/XX/XXXX ( XX/XX/XXXX Member FDIC ). Without warning ( no warning emails etc ... ) they XX/XX/XXXX out my 2 accounts from {$1.00} and {$2.00} fees and called them dormancy fees. And my cards had an expiry date of XX/XX/XXXX. So it was a fair assumption on my part that my balnce will be good until XX/XX/XXXX. 

I only learnt this when I tried to use the cards last week. This is an unfair business practice to take away money from someone without giving them any warning. They didn't allow me to consolidate my cards either which makes using some of these smaller balances hard. 

I am sure I am not the only one to have suffered this. I hope you can assist in getting my money back and putting some guard rails in place to prevent this from happening to other unsuspecting card holders. 

Nowhere on their website do they warn of dormancy fees, unless it just surreptitiously hits your account.. This is cheating and amounts to fraud in my opinion,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

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 2023-01-21
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX also known as U.S department of education is the holders of the account. In their system all my balance are paid and should be reporting {$0.00} balance paid in full but all the other credit bureaus are still reporting old balances whats incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I recently reviewed my credit report and found an alleged bankruptcy for which I do not recognize.

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 2021-02-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed an account of mine without any prior notification, and have negatively affected my credit. 

I have several relationships with Synchrony Bank, and have been a customer for over 10 years. I got a notification this morning from XXXX XXXX that one of my account was closed. In checking, I noticed Synchrony had closed my XXXX XXXX line of credit because it's been 3 years since I used the account. Why I am filing a complaint is because they closed this account without any prior written or verbal communication to me in that regard. When I contacted them, they informed me they would not be able to open the account again, and if I wanted a new account I would have to apply. I've had this account open for 7 years, and have never missed a payment. They just recently even increased my limit. It isn't typical that car tires are replaced but every 4 years. By them closing the account it has affected my average age of credit and lowered my credit score. If I apply for a new account, it will only further lower my credit score, this was a horrible experience, and it's extremely unprofessional. If it was a matter of me using the card then you should have sent me a notice, and I would have happily used the card to keep the account active.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As dated, XX/XX/2023, THIS cause is for Defamation of Character ( Libel ), by way of admission to inaccurate and unfair credit reporting, failure to obtain permissible purpose, and willful noncompliance causing discriminatory acts to be taken upon I, XXXX XXXX, such as denials for credit products, causing severe harm mentally and emotionally knowing the information inaccurate and invasion of privacy. See attachments.

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 2021-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am submitting this complaint in the behalf of people that can learn from my experience. 
Since XX/XX/XXXX, there was an agreement with Wells Fargo Bank that my statements will close on the 7th business day of each month. It has been that way since recently. On the Month of XX/XX/XXXX and XX/XX/XXXX, they suddenly changed it to the 5th business day of each month, without prior notice. I asked them, to please reinstate my closing date for the month of XX/XX/XXXX to the 7th business day. After nine days, they sent me a letter saying that " WELLS FARGO RESERVES THE RIGHT TO CHANGE STATEMENT CYCLES ASSIGNED TO YOUR ACCOUNT WITHOUT PRIOR NOTICE ''. Their letter also says : " we strive to remedy the request to the best of our ability. However, are restricted by items beyond our control, such as federal regulations, third party service agreements, and legal or regulatory implications ''. If you are an organized and responsible person, this is an issue. Now, my question is " Do all Banks have the same behavior? '' I never had THIS KIND OF ISSUE happening TO ME, but with WELLS FARGO. If somebody reading this complaint has a DEEPER INSIGHT, please contact me or let me know about it. If a " small issue '' like this is happening with no shame, then you can Imagine what is happening in other issues. It just takes a little yeast to leave the ENTIRE DOUGH. Not a fair game! The insatiable appetite for oppressive control is growing by giant leaps these days!

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 2021-07-19
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Collection Services does not have a current Agent for Service of Process on file with the state of California. When I called Credit Collection Services to ascertain the new agent for service of process, no employee provided the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have a checking account and a savings account with Chase.

I learned today that Chase has been deducting a $ XXXX service fee from my savings account since XXXXXXXX XXXX XXXX, despite my having both types of accounts. ( see XXXX XXXX XXXX XXXX I spoke to Chase 's customer service representatives who acknowledged that the accounts should have been linked and reversed one of the fees, but not the other XXXX. I asked to speak to a supervisor who told me that they could only reverse one fee of this type per calendar year. I asked them if there was anyone at Chase who would be able to review this and was told that they did not have a supervisor available and that even a supervisor would be unable to reverse the other improper fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/ ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2022 not accurately being reported, account has been dismiss by the circuit court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have attempted to login to Transunion 's online dispute portal. I have encountered two error messages and a page that requires my waiver of rights before I'm able to view the results of dispute, of which there is none after logging in. 

Transunion appears to be retaliating against my family after my wife, an account holder on my XXXX XXXX credit card, submitted a dispute for the amount of the credit card. The credit card had been paid in full and Transunion was taking weeks to update the balance. Transunion negated her credit score which reflected her as still establishing credit when her score was XXXX. We battled weeks with Transunion to get them to report correctly after XXXX XXXX had sent them new reports reflecting a XXXX balance. Transunion stated it could take 60 days. 

Now I am unable to submit a dispute online? I have screen shots showing the difficulties I've encountered : It should not be this difficult to simply access the dispute process. This is more than just poor design, this is either incompetence or retaliation. At this point it seems Transunion is retaliating against my wife and I for simply trying to improve our scores so we can make a motorhome purchase. Transunion has made this process extremely difficult and wasted days of our time trying to resolve this matter so we can get to the next step.

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