BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-20
Company: Experian Information Solutions Inc.
State: NC
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 made a formal request to XXXX, Experian, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, Experian, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i checked my credit report and have a late payment reporting from XXXX XXXX XXXX XXXX i have contaced them several times to update my payment details to a new card on file due to my phone and wallet being confiscated by law and they denied my request several times telling me i had to be able to login my account to do it but i couldnt due to 2step verification which its sending a code to a phone number i know longer had any access to. ive never missed a payment or anything my phone being took and wallet caused the mishap and i let them know and tried providing them documetation of it from the police

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 2023-06-24
Company: Experian Information Solutions Inc.
State: TN
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 previously disputed this account stating : " This account is incorrectly reporting that I have 13 late payments. On my XXXX report there are 0 late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

also this account was found to re-age my account and i have proof of the re-aging and its still on my report. 

according to consumer law re-aging is illegal and has the consequnces of immediate deletion from the bureau reporting it but also this credit bureau says it verified the account to be accurate and didnt catch the re-aging... so that means the verification of the debt was never done and just falsely claimed. 

i reported XXXX  re-aging my account to experian and requested that they remove the debt because according to consumer law " When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. '' experian said they did an investigation and the re-aging dates were still on my account. 
as per the attachment experian never did an investigation or made sure the debt was valid on their site. 

experian let XXXX  re-age my account for their persoanl gain. 

experian complied with XXXX  and since transunion gets paid by XXXX  to report both parties willfully conspired to deceive me and harm my credit for their profit and gain. 

they claim it was opened on XXXX last reported was XXXX date /last active was XXXX date of last payment was XX/XX/XXXX how could i have made a last payment on XX/XX/XXXX and my account was last active on XX/XX/XXXX. 

also on XXXX they reported my activity was on XX/XX/XXXX. 

they re-aged my account from XXXX up XXXX years to XXXX. 

to have this account deleted and monetary resolution be given to me in the form of {$2000.00} for the finanacial harm they caused

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 2021-07-04
Company: Cawley & Bergmann, LLP
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every time they call, I explain I can not afford it at the moment and I will call when I can. I told them 3 times to not contact me and they said they would not. Yet they keep calling 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 2023-06-24
Company: Experian Information Solutions 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:
This is my second 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 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

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 2021-07-13
Company: OneMain Finance Corporation
State: IA
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:
My wages started getting garnished without any notice whatsoever. No voicemails, no letters in the mail, nothing. Then out of nowhere they started taking XXXX  of dollars out of my account every week. I never looked at my paystubs because they come in the mail, I just look at my bank app to see what was deposited. I took my short check issue to my supervisor because I thought they had messed up the payroll. When i opened my pay stub for the first time I had already paid almost XXXX dollars in a matter of weeks. I called them to try and work out a payment plan and they told me its already too late. Told them if this goes on for 3 months ill lose my house because I can not afford XXXX a month. " Still nothing we can do sorry '' only documentation I have of this garnishment is from my employer XX/XX/21 I didn't get the letter until the beginning of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: TN
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 previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but experian XXXX and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions account.

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 2019-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX purchased my XXXX account from XXXX XXXX, sent me a new card and advised that I would earn 5 % on purchases until XX/XX/2020. When I went to activate card they told since I was an existing customer I did'nt qualify. I declined to activate and requested the account be closed. THEY NOT ONLY CLOSED THAT ACCOUNT, THEY REMOVED MY ENTIRE 15 YEAR PRIOR HISTORY ( see bureau ) I have sent all bureaus copies of this. Since my complaint they have added 15 different remarks to my bureau in an attempt to intimidate me. If you look at my bureau you will see this is an obvious assault on the elderly. They put incorrect information in the bureau daily to change my credit score. I have printed documentation that I will gladly send to you They have nothing to do with my prior history with XXXX ( 15 yrs perfect pay ) so0 what gives them the right to remove this positive info from my account. Why put 15 remarks on my account?, why enter one day a {$5.00} account that does'nt exist then the next day add {$300.00} to it? This is bogus. I XXXX off a XXXX XXXX employee and this is their way off showing me the power they have. This needs to be corrected> Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX, I lost my Bank Of America ( debit and credit ) cards and drivers license. on XX/XX/XXXX I got notification that someone used my debit card amount of XXXX XXXX on XX/XX/XXXX, I informed the bank about incident. In two days I reported the police department too. report number is XXXX in one week later Bank of America credited the money amount of XXXX XXXX And on XX/XX/XXXX, I got Letter says that on XX/XX/XXXX Bank Of America will be removed the amount credited earlier. In the letter they mentioned that the charge was authorized by me or by someone who has permission to use the card or account. I tried to contact customer support but they could not solve my problem. The next step was escalation of the dispute ( XX/XX/2022 ). And the result was negative. They did not approved my claim. 
And addition to these once I spoke with their supervisor they said they are unable to help me on this case. Thanks for your consideration in advance.

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 2019-07-20
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX XXXX XXXX Credit Card that is through Comenity Capital Bank. I made a purchase on a no interest plan using this card. I have done this numerous times in the past and have always paid my card on time and ahead of schedule. All of my payments exceeded the minium payment due. My card balance has two such plans for purchases at different times. I utilize their website to make my payments. I logged on to check the current balance today ( XX/XX/XXXX ) and realized my account balance went up by approximately {$500.00}. I made the purchase XX/XX/XXXX and the promotional balance expired on XX/XX/XXXX. I was surprised that there was not a notice on the website when I logged into make my last payment that warned me my promotional balance was about to expire. I would assume based on all the consumer protection laws that they would be required to notify the consumer of such an event. I was surprised to learn that they do not feel they need to have it online and I find the practice to be deceptive and not in the consumers best interest. I called and spoke to a customer service representative and then to a supervisor to voice my concern. I was told by the supervisor that they do not notify other than an item listed on the monthly statement of when the promotional balance will expire. I explained that while that is great if you use the paper statement that most people go paperless and that, as a company they really push paperless statements. I have several store credit cards from them and every time you log in it asks and recommends you go paperless. So I told her if they are going to push everyone into going paperless they should put a warning online when a promotion is about to end. She let me know that the statements were online and that I could have reviewed them. I do not think something like that should require you to click extra items and that it should come up as a warning when you log in to pay. I told the supervisor I found this practice to be deceiving and against the consumer credit laws that are available to protect the consumers. I also let them know that I made next months payment along with the remaining {$340.00} that was outstanding on the promotional balance today and asked them to help with the finance charges added. Both employees told me there is nothing they can do about the {$500.00} in interest that was added to my account. I am reaching out to you to see if you can help with these charges and that you can see to it they change their deceiving practices and add these warning notifications to the account details page on their website so that this does not happen to other people as well. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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:
By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX  XXXX : ACCT # XXXX FRAUD/ REMOVE, XXXX  ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/ REMOVE, XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX ACCT # XXXXFRAUD/ REMOVE, XXXX XXXX ACCOUNT # XXXX FRAUD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE, XXXX ACCT # XXXX FRAUD/REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ PL REMOVE, XXXX XXXX XXXX ACCT # XXXX FRUAD/ REMOVE, XXXX XXXX XXXX ACCT # XXXX FRAUD/ REMOVE have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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 2018-11-27
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I would like to file a complaint against Wal-Mart credit card, I have had their card for the past 4 years and they recently reduced my credit to {$180.00}, when i called their company they told me that it was because they re-ran my credit and that is what I was re-evaluated. The lady couldn't give me an explanation and kept referring to a letter that she would mail. Even though I have been paying my credit card every month including their incredibly high late fees and had established credit with them they still didn't budge. I told them that what they did was redundant since I had stopped using my card to increase my credit-income ratio to have a positive impact on my credit but now it shows that I'm still using 98 % of my available balance which of course will decrease my credit score.  The lady was just silent and was not helpful at all. I feel that this systematic decrease of credit and it having a negative impact on my credit score was done  deliberately so they can then claim that my credit score was why they  decreased my credit limit, regardless of the history I've had 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 explanation
Consumer complaint received 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Accounts with capital one is showing accounts is closed and charge off. While account is charge off and closed, capital one is still reporting a balance of {$790.00} of an intital {$400.00} debt, and second account reporting {$510.00} of {$300.00} credit limit. 
I demand the account to be closed at a zero balance since that account is charge off.

Due to possible inaccuracies in the these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with knowledge of the debt, who can testify that the debt incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Fifth Third Bank charged {$5.00} dormancy fees on multiple accounts I hold with them ( a checking and a savings account ). It is my assertion that in doing so, Fifth Third engaged in unfair and deceptive behavior : ( 1 ) the fees were not disclosed when the accounts were initially opened ; ( 2 ) account statements were not provided to me; and ( 3 ) my online account access was locked preventing me from discovering and preventing such fees. 

A significant portion of the period I was being assessed such fees occurred during the pandemic when branch access was limited/restricted. I have many online banking relationships that can be accessed entirely remotely. Requiring a customer to visit in-person is an unnecessary burden seemingly designed to frustrate a customer 's ability to exercise control over their account and maximize Fifth Third 's fee revenue. 

Furthermore, the fees imposed against one of my balances represents ~50 % of the original account balance. Imposing fees of this magnitude is punitive and unconscionable. This raises serious doubt whether Fifth Third is appropriately discharging their fiduciary duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: EQUIFAX, INC.
State: MS
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 filed a dispute regarding three collection items on my credit report. Equifax refuses to properly investigate the items and they remain on my report with damaging effects. I have provided written documentation to substantiate my claim of errors and they have been overlooked. 

XXXX {$2900.00} XXXX {$500.00} XXXX XXXX {$440.00} XXXX XXXX XXXX was an account paid on time and satisfied. I contacted XXXX XXXX XXXX and they confirmed they have also sent them documentation, yet they continue to report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote 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 non-monetary relief