BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had a promotional plan for 12 months no interest, i requested for the Pandemic 3 no payments months i had a {$20.00} dollars balance and now they're charging me {$120.00} Interest for a {$20.00} dollars balance!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America, N.A. closed all of my personal and business bank accounts and credit cards around XX/XX/2019 for no discernible reason. Their correspondence says that they made a " business decision '' to close my relationship with them. Upon closing my personal credit cards, they stole {$2500.00} in cash rewards by not paying them before closing the credit card making them " null and void ''.

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 2023-05-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I the consumer applied for credit through American Express XX/XX/2020 and was unlawfully denied after I filled out a application ( negotiable instrument ) with signature. I have taken all the necessary steps to ensure that my credit profile remains in good standing. Therefore, I believe that the adverse action taken against my application is in violation of the relevant regulations and I will ensure that my credit standing remains in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Items purchased on the website XXXX  was a scam. I made a {$100.00} payment with XXXX. I also was texted by the company that my order was recieved and processed. That number is ( XXXX ) XXXX. I also filed a complaint with the FTC. I contacted company by email and text an no response. I also contacted Chase and they will not help me. I have an email from the company that my order was being processed ; however, I did recieve another text asking for {$480.00} for XXXX stamps. Then I knew this was a scam. I did not send any additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX levied my savings of {$400.00}. Bank charged {$120.00} for levy. I called XXXX and paid them {$1600.00} to clear account. They said the levy on my savings account would be credited back to me. It has not been given back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX CONTINUES TO NOT BLOCK FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT AS A RESULT TO IDENTITY THEFT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
After receiving a response from Discover and XXXX regarding an ongoing dispute regarding the incorrect pay history/ closure date provided on my credit reports, the issue remains. The credit card balance for this account was paid in full in XX/XX/XXXX and the account was officially closed that same month. The derogatory months for the pay history have yet to be corrected along with the closure date on my credit reports which is inaccurate and false information. XXXX is still reporting XX/XX/XXXX through XX/XX/XXXX as derogatory, then XX/XX/XXXX as an on time payment then closed in XX/XX/XXXX. XXXX is reporting derogatory payments from XX/XX/XXXX through XX/XX/XXXX and then a positive pay history for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then FINALLY closed in XX/XX/XXXX. As seen in the attached credit reports from XXXX and XXXX, Discover is reporting false and inaccurate information. A representative by the name of XXXX from the Executive Office oXXXX XXXX XXXX for Discover, is refusing to correct the payment history and provide the correct closure date for the account. I AM ALSO STILL RECEIVEING MONTHLY STATEMENTS ON THIS CLOSED CREDIT CARD ACCOUNT THAT WAS PAID IN FULL. A complete investigation was not conducted by XXXX nor XXXX from Discover as can be seen by the attachments for this complaint. I also spoke to a representative on XX/XX/XXXX from XXXX on a recorded line for them to review the Discover account confirm that the account was closed, but still reporting a pay history up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have reached the end of my loan with Santander consumer usa and they say I still owe more than XXXX. And they never applied XXXX XXXX to the principal payment that I know of on at least 26 months of paymens probably more because I have been locked out of the account. I thought I would qualify for the Mutli state settlement with Santander and the 34 states but Santander tells me I am not. I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have multiple checking accounts with Chase. One of which went into overdraft and was subsequently charged off. Numerous overdraft fee charges were incurred over the Covid time period which pushed this account into overdraft. This account has me as primary with my adult daughter as secondary. She did not take action quickly or definitively with the bank to get relief from the overdraft charges. She was embarrassed to be behind while trying to manage the situation. However, Chase closed this account without notifying me ( as primary who resides in different address ) despite the overarching relationship that I have with the bank. When I inquired around XX/XX/XXXX upon noticing the account was closed, I was told that it was too late to adjust a charged off account. Additionally, all prior history of the account including electronic statements has been removed from my profile. When asking Chase for relief, they refused to review the prior history and overdraft fees. Had the fees been waived, consistently and equitably across all consumer accounts during Covid ( instead of wait until they call approach ), this situation would have been avoided, and there would be a positive balance of over several XXXX dollars. Also, in conversations with Chase through XX/XX/XXXX, they finally did send me the XXXX but not XXXX bank statements. Just in XXXX they charged {$340.00} of overdraft fees of which {$200.00} occurred in XXXX and XXXX. I was not able to look at XXXX despite 3 requests to provide me the statements for XXXX, XXXX and XXXX ( over the Covid period ). Also, the collection department requested that I pay from an existing deposit account to cover {$58.00} written off, which I initially was agreeing to, however, in the call the representation asked me to confirm the withdrawal which I did not agree to. Because he stated this could be escalated, I opted for the escalation. Because Chase will not address holistically, I am reaching out to both the OCC and CFPB to exam the collection practices to 1 ) eliminate any write-off/collection and reimburse me for the {$58.00} withdrawn without my consent OR provide COMPLETE transcripts of all phone calls with the bank showing my agreement when the rep asked to confirm the withdraw at which time I did not reaffirm, 2 ) get copies of the last three years of activity for this account ( specifically for XXXX ), and 3 ) OCC and CFPB review the account for XXXX and reimbursement of excessive overdraft fees which is fair and equitable during the Covid period and which should have been consistent applied once the customer realizes and escalates to the bank. Had I been more aware of their deceptive practices, I would have escalated myself rather than assume they were doing the right thing and working with my daughter directly. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021 I mistakenly missed a payment. So in XX/XX/2021 I received a bill for a balance of {$64.00} and a minimum of {$41.00} with a due date of XX/XX/2021 to be 30 days late. I immediately paid the {$64.00} on XX/XX/2021 with a balance paid in full. Then on XX/XX/2021 the company charged me {$2.00} stating it was interest charges for the account. I did not realize as the account was paid in full prior to due date. Then they charged me more fees in the month of XXXX, XXXX and XXXX. It wasnt until I realized in XXXX with a balance of {$30.00} for bogus interest fees and late fees did I realize that they were applying fees to a XXXX account balance. I immediately called them and they stated that the original {$2.00} fee was for interest on XXXX. I kept asking how that was possible since they issued a bill in XXXX with a balance of {$64.00} and it was added after the cycle ended on the XXXX as stated by them. They refused to help me. Even after the statement stated that if I paid in full my balance would be XXXX. They just kept saying my late payment was for XXXX on my credit report, and that the original {$2.00} which has completely messed up my cc report and payment history was for XXXX. How do you accrue interest when a statement has the interest charges included.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I reached out to TransUnion in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

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 2021-04-01
Company: General Motors Financial Company, Inc.
State: GA
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:
AmeriCredit is reporting unauthorized credit inquiries on my XXXX  credit report. There are two inquiries both dated for XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2023-06-06
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive been trying to dispute this collection XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, it keep coming back as verified and that is all ( XXXX  ) ( XXXX ) responses. please you check into this. and also delete these unknown inquiries I've listed. I've already reported this 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 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 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 non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-08
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: 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, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX, Account name 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 2018-10-26
Company: Experian Information Solutions Inc.
State: HI
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 disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-05-06
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All State Credit Bureau , Inc. was paid {$1500.00} on # XXXX and was settled. They reflected a XXXX balance on the receipt as well as reporting to the three major credit reporting agencies however they are acting as a lender and not a debt collector refusing to close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: NJ
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 initially disputed a few errors on my Experian report on XX/XX/2020. On XX/XX/2020 they received my dispute and never investigated my dispute. I contacted them a second time via certified mail asking them to remove the inaccuracies due to them not completing the investigation within 30 days and they still have not responded to my request. They received my 2nd request on XX/XX/2020.

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 2020-11-03
Company: Experian Information Solutions Inc.
State: NM
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:
There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.

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 2020-11-03
Company: EQUIFAX, INC.
State: NM
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:
There is 2 XXXX  accounts that are showing on my credit report as paid and charged off and still reporting each month as a charge off and dropping my credit score monthly. These were included in a Bankruptcy that was done in XXXX. I spoke with a rep in XX/XX/XXXX and XX/XX/XXXX. I was told that the information would be updated and fixed. These have yet to be updated.

Company response to consumer: Closed with explanation