BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Bread Financial 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:
Hello, I am writing because I have an inquiry on my credit report from " XXXX XXXX XXXX XXXX '' that should never have been posted on my credit. I spoke with customer service representatives from both comenity bank and XXXX  XXXX credit card division and both gave me to run around and sent me back and fourth to each company. No one would help me. I explained that this card should never have been opened in the first place. After i checked my credit report and discovered the new inquiry, i immediately called the appropriate parties and had to account closed which included the credit card. 

Date inquiry was added : XX/XX/2017 Companies involved : XXXX XXXX & XXXX credit card department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: WA
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:
WFDS XXXX XXXX XXXX, XXXX CA, XXXX  has an inquiry on my report dated XX/XX/2016. No authorization was given and none can be provided by the company ; please remove per law or pay the {$1000.00} fine.

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 2019-06-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I was offered a 0 % balance transfer from my XXXX XXXX XXXX. I replied to transfer my XXXX  card balance of {$730.00} on XX/XX/2019. My XXXX  account was charged the {$730.00} on XX/XX/19. My XXXX account was never paid the {$730.00}. I sent a message on XX/XX/19, and received a reply on XX/XX/19 that it takes 14-21 days to transfer. I sent another message on XX/XX/19 asking where the money was since I was charged on my XXXX for the {$730.00} transfer but it was never paid to XXXX   yet. I sent another message on XX/XX/19 asking again where is the money? I then called their Comenity Capital Bank consumer care department on XX/XX/19 spoke to XXXX  and was told they will look into it. I received a message on XX/XX/19 saying they are working on it. I just sent another message on XX/XX/19 asking where the money is ... .... I just checked my XXXX account XX/XX/19 and it has never been paid. The XXXX  statement on XX/XX/19 came in and I got charged interest of {$15.00} which should never have happened. It should have been paid by XXXX in the balance transfer request from XX/XX/19. Someone needs to be accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Army and Air Force Exchange Service
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Army & Air Force Exchange Service ( AAFES ), including XXXX XXXX XXXX ( XXXX ), I set up payment arrangements with AAFES and XXXX  ( the same entity ) and met my payment obligations. The debt was initially for USD XXXX, and I made payments totaling over USD XXXX ; additionally, my Federal Income Tax Refund for 2020 was garnished at USD XXXX. 

AAFES/XXXX alleges I still owe USD XXXX and has reported their error to all three credit reporting companies of 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 2023-03-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX and 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 2019-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card with the company Capital One. Capital One gives customers the option called quick fund release to pay their bill and have the funds release within minutes the same day through XXXX   XXXX. One of the Senior Account representatives told me you can do a quick fund release once per day every day. I perform this payment of action on XX/XX/XXXX and my funds were released. I performed the same type of payment on XX/XX/XXXX. However, the representatives told me my payment would not be accepted and my funds would not be released because I perform this action yesterday and my payment has not been posted to my account. I do not understand why I wasnt able to do this when I have always done a quick fund release without my payments being posted to my account. Im trying to pay my bill and they arent letting me. I dont understand why.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: OR
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:
I sent a letter to Equifax, XXXX and XXXX on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Riverwalk Financial Corporation
State: MA
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 paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am XXXX years old and had wonderful credit until JC Penney mixed up my account. I had a Penneys card since XXXX and had never missed a payment. They have ruined my credit ; I cant even get XXXX card. Here is the scenario ( backed up with the attached receipts ). 
I had XXXX balance in XX/XX/XXXX. I made a purchase in XX/XX/XXXX which I paid off at the end of the month. This is what I have done for 38 years. Unfortunately, either my husband or JC Penneys made the error of adding an extra number ( the number 1 at the end ) to my account. The result is that we paid on time ( you can see our bank withdrawal ) and I have NO IDEA WHERE THE MONEY WENT. 
Please help me. Penneys wont talk to me at all. Synchrony bank will not listen about what happened. They want me to pay them over {$400.00} and you will see that JC PENNEYS OWES ME MONEY ; I DO NOT OWE THEM MONEY. I paid the balance but since the money went to the wrong account at Penneys, they say we did not pay. You will see from our bank statements that we did pay the full amount. They continued to add charges as if I had an unpaid balance for many months. 
Please, Please help me. You are my last hope. My son, my husband and myself have all called them and they kept telling us they would correct it but they did not. Now they have turned it over to a collection agency and JC Penneys will not take any of my calls. Please, Please help!!

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 2019-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 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 2019-06-07
Company: EQUIFAX, INC.
State: OH
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:
These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX  Source XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear Sir/Madam, I opened my bank account with PNC Bank in XXXX XXXX XXXX XXXX, however, soon after, the local branch unexpectedly closed and I found the nearest branch to be too far away for me to use without incurring additional transportation costs as the only way to use the bank would have been by using taxi which will be too expensive for me. Bank put my account in Dormant status and even blocked my access to the account. Despite my inability to use the account, I was charged a XXXX XXXX monthly fee for account inactivity for four and half years, and these charges continued even though the account was in dormant status. To my surprise, the bank never informed me of the dormant status, nor did they attempt to reach me through the phone number or email address they had on file. Additionally, I was never informed of the monthly {$15.00} fee at the time of account opening. This is a complete breach of customer trust and I would like the consumer protection bureau to help me recover my hard-earned taxpayer 's money from this unethical financial institution. 

I was charged this fee for almost 4.5 years before I became aware of this unethical practice. When I brought it to the attention of the bank, they only refunded me for a period of six months and refused to refund the charges for the remaining 4 years. 

I respectfully request your assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: LA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Colony Brands, Inc.
State: AL
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:
I am not sure what is going on with Ginny 's. I have had an account with this company for over seven years and has never been late with a payment. In fact, I have always paid this account in full when ordering items. I have tried to be civil and correct this problem with Ginny 's to no avail. What happened is Ginny 's billing system, where I purchased an item and never received a billing statement until I received a notice from XXXX  that my credit score had dropped due to Ginny 's reporting a 30-day late. I immediately contacted Ginny 's and paid the small amount over the phone. This is dirty pool!!!!! I advised the phone tech to check my payment record where I have never paid late. Why is Ginny 's mistake been reported as a 30-day late and such a small amount? If you want to bill a customer, why not send out a bill via online or through the mail -- in which Ginny 's never did in this instance. Did not even receive a reminder -- nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: FIRST ADVANTAGE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I filled, in person, a job application to work with XXXX XXXX XXXX XXXX, base at XXXX XXXX XXXX XXXX XXXX, IN XXXX, at the XXXX XXXX in XXXX  Florida. I consented for a background check. A week later, I received a letter from First Advantage XXXX XXXX XXXX XXXX XXXX, iN XXXX. In their Letter they said I have a criminal record dating to XX/XX/XXXX that I was sentence to a XXXX XXXX XXXX. Letter was dated XX/XX/XXXX the date after I applied.I have never been arrested, never been in trouble with the authorities And never been on XXXX. This record is false, I dont know what is the purpose of this, or the meaning. If this is a tactic utilized by XXXX XXXX XXXX XXXX to denigned employment shame on them this need to stop. I need your help because I dont want them to forward erroneous information to my future employer.

I contacted them, ( First Advantage ) they couldnt give me any information of who gave them this information or why or what was in the report. All he was interested was getting my social security. I assumed that XXXX XXXX XXXX XXXX, provided them with this information.I was told to contact The XXXX  Court System. I went in person to get a copy of my criminal record they couldnt find anything not civil, no criminal, no probation, nothing. there wasnt any record. When I showed them the letter send by First Advantage, I was informed that this letter is a fake, fraud, the case number mentioned in the letter is non existent thats not the format use by the court systems. Im very concern, upset and confused by the way the private information I gave XXXX XXXX XXXX  was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an email from US Bank regarding " cash-back deals '' on my checking account. One of the offers was for 10 % off purchases at XXXX for a maximum discount of {$8.00}. I signed up for this offer through the link provided in the email. 

I made a purchase of {$75.00} at XXXX on XX/XX/2021 using my US Bank debit card. However, I have never received the {$7.00} cash back. I have inquired with US Bank to try and get this resolved but have never gotten a response.

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 2022-10-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
For months I have been disputing two closed accounts that were a charge off but paid in full. These accounts are XXXX XXXX and XXXX XXXX. I have sent proof showing these accounts have been paid in full and both creditors have called Equifax and XXXX asking them to update my credit report. Both payment status and account status reads charge off/collection which is incorrect. It needs to be updated to paid in full was a charge off. In the comment areas I can see both creditors saying paid in full was a charge off but Equifax and XXXX refuses to change this. I'm requesting both these accounts to be removed from my credit report. I have disputed this by phone, on there website and by certified mail in XXXX, XXXX and XXXX. I have attached my current credit report along with certified letters and proof of both accounts paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: AR
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 issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have sent letters repeatedly to XXXX, XXXX  and Transunion requesting to remove inaccurate addresses from my credit report. 

XXXX has these addresses : XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  has these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, TN XXXX Transunion has these addresses : XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have sent requests with my utility bill attached on where I live and I keep getting stall letters from the credit bureaus and no disputes taking place, I need these addresses removed from all three credit bureaus they do not belong to 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 2019-06-07
Company: Experian Information Solutions 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:
I have sent notices to Experian, XXXX, XXXX about reporting a collection without no proper validation that it belongs to me or that I have a legal obligation to pay this money to this collection company. I have requested from all 3 Bureaus valid documentation that I am legally responsible to pay said collection company which they all have not furnished or obliged my request but still continue to report this on my credit 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 explanation