BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
XXXX fails to update payment history correctly on trade-in in stead after 4 attempts they deleted the payment history in the trade line for THE LIMITED.

Attachments included for your review.

Multiple Violations of the FCRA 15US CODE 1681 ( i ) ( 5 ) removal of inaccurate/invalidated Credit Information and 15 us CODE 1681e ( b ) violation of California Consumer Law by failing to provide proof of how the disputed information was investigated, as of this date no proof provided instead they continue to report the errors on the account.

FCRA Section 605 ( a ) ( 5 ), Section 605 ( c ) ( 1 ) When does the 7 yr period begins, the estimated date reports until XXXX if no payment history is available or known. Per the most recent reports, it shows all Xs.
Comenity Bnak refuses to provide payment history because they do not have the records and they have violated the policy of FDIC, IRS AND OCC that requires credit cards to be charged within 180 days, they are reporting false payment history with the intent to rage the trade line and charged off at approximate 420 days instead 180. Continue to add late fees and charged interest in order to justify adjust their losses of the management of their portfolio. FDIC regulates this bank directly and the parent company Alliance Data Systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: BRite Financial Services, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX Called Brite Financial to obtain information as where to take my car for repairs with the extended warranty that's included in my lease. Originally Car rite XXXX XXXX XXXX XXXX XXXX WI XXXX is where my car should go for maintenance and repairs. 
Car Rite has been closed since XX/XX/XXXX, no notice or direction as to where to take my vehicle going forward. Brite Financial advised my contract # is XXXX the number for the XXXX XXXX  is XXXX I was advised that The XXXX XXXX, administered by XXXX is where I should call XXXX. I called them and was advised I could take my vehicle to any licensed repair shop and my deductible for repairs is {$100.00}. I then made an appointment for XX/XX/XXXX at XXXX with XXXX XXXX dealership. 

XXXX XXXX advised me that my car needed a sensor replaced and they were going to call the warranty place to open a claim. They would call me Back to schedule the repairs. 

XX/XX/XXXX XXXX advised me that The XXXX XXXX denied my claim as I need to go to the selling dealership which is closed. 

XX/XX/XXXX Called XXXX XXXX  back and they were supposed to call XXXX back with my claim number as they confirmed the selling dealership is closed. 

XX/XX/XXXX Called XXXX no call ever received from The XXXX XXXX, called XXXX XXXX there is a different department " first extended '' that I need to speak to? On hold for over 30 minutes and the system disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has called my cell phone repeatedly every day for 3 consecutive  days in an attempt to collect a debt from someone unknown to me. 

I have blocked the number on my phone but they continue to call.

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 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir / Madam, I am the owner of an American Express Blue Cash Card for more than 6 months. During this period I have made all my payments on time, infact even paid my dues before time as I always do. 

I have contacted this company numerous time for a legitimate credit line increase from a measly sum of {$1000.00} to XXXX. But they flatly refuse to consider my request on the grounds that XXXX XXXX  credit score is not good enough. Also the low limit of XXXX dollars reflects negatively on my credit score and utilization for which I would rightfully hold American Express responsible. 

Over the last 6 months ( I can provide you the details of hundred of phone calls and app requests later ) the bank as been discourteous, unprofessional and at times discriminatory in their behaviour when it comes to good customers like me. I would kindly request you to intervene and put this one sided dispute to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: EQUIFAX, 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:
equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In XX/XX/2021 a company hacked into my phone without my permission and gained access to my back account as I was trying to get the hacker out of my phone they went into all my bank accounts there were no funds in any account except for the navy federal account and at that time they used the zelles app in the bank app to with drawl money out of my account. I made a police report, reported it to the back. They denied the fraud claim stating it was my fault and then I appealed and with in a day or two they denied the appeal again saying it was was my fault. There was a police report and everything done. I did not authorize any charges. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Starting XXXX XXXX XXXX Robinhood ( invesrnent/stock app ) took it upon themselves to lock my Robinhood account stating they needed to confirm my identity. I supplied all necessary documents and as of today no money. Countless emails corresponding with Robinhood, trying to get access to my money. My direct deposit from my employer went through Robinhood. XXXXXXXX XXXX received email from Robinhood stating a final decision was made and my account would be closed and my money will be deposited. Today XX/XX/, I've received that exact email 5 times. Every transfer I attempt is rejected. I've had to sell off my property to stay afloat. My family is suffering and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Account shows 30 days late payment from XX/XX/2020 in the amount of {$670.00}. This account never has had a late payment. Please correct this incorrect information 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
Consumer complaint received 2019-03-19
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
On or about XX/XX/XXXX, I initiated a balance transfer for {$5000.00} from a XXXX credit card to American Express. I was told it would take 3 to 5 days. On XX/XX/XXXX, I called for status and was told there was a technical problem and it would be 3 to 5 more days. I called XX/XX/XXXX and there is no information available on status and was told it could be six weeks. I told them after all this time I wanted to cancel the transaction ( it is not being processed at this time ). They told me there is no possible way to do this. I asked if I could cancel my card and they said this would not cancel the balance transfer. 

I have excellent credit and would like to switch to a different card where the customer service people knew what they were doing. Nowhere in the agreement does it say a balance transfer can not be stopped, or that it will take an unspecified amount of time to accomplish the transfer. If they are unable to do the {$5000.00} balance transfer, I have no further use for this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXXXXXX 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 2019-03-19
Company: Peerless Credit Services Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Peerless Credit called my direct line at work 4-5 times. The first call I chose not to identify myself and he mentioned he would call back. I was not at my desk for all of his call attempts, prior and post speaking with him. When I took his ( assuming ) last call for today, I asked him to identify the nature of which he was calling. He mentioned it was personal and I told him we were not permitted to take personal calls at work. He informed me he spoke to someone earlier ( me ) and that they said it was okay. I told him I was under no obligation to identify myself to him while at work, and that he was not permitted to contact me during work hours and could call my personal phone number. He then told me he would be telling the debt originator that I was refusing to pay, among other things. I told him that I never said I refused to pay, rather that I didn't want to be contacted on my work line and that he was not authorized to call me on that number. I asked if the calls were recorded because that would serve as proof that I never refused anything, and tried to offer an alternate contact number. He continued to raise his voice and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ran a 3B report today and found out that CBE Group was reporting that I owe them {$55.00} for a collections account from XXXX XXXX. The report is stating that the account was open on XX/XX/XXXX, which is making the collection issue a " fresh '' issue instead of an older collection account. Furthermore, I have no paper work with my signature stating that I have authorized CBE Group to do business with me. They are damaging my credit and I am unable to seek additional credit from various local companies XXXX XXXX XX/XX/XXXX and was closed XX/XX/XXXX. Well over two years ago this account was closed. The account with CBE Group is XXXX and the PAID Approval Code is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
It has come to my attention that XXXX XXXX XXXX has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/2016The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX  has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly but XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX  and TRANSUNION responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my 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 2019-01-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I paid {$18.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I received confirmation that Experian received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I again, paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. There are fraudulent/unauthorized inquiries which I did not authorize nor give permission to run on my credit. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Experian has 30 days to review and remove my ( consumer ) complaint. 

It is now XX/XX/XXXX and It has been OVER 180 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible. 

In this process of fraudulent/unauthorized inquiries and trying to rectify my credit, I have paid over {$140.00} to resolve this urgent matter.

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 2020-02-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Beginning the end of XX/XX/2019 I have been checking with the company to find out the status of my receiving as primary beneficiary approximately {$72000.00} from my deceased spouse 's CD account. There have been many different reasons provided always by a third party as to why it is being delayed. Thus far no one has ever contacted me except a CSR with an invalid comment 3 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX  and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal. 

I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX  and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ). 

My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation