BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: STATE FARM BANK, FSB
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To whom it may concern, I received a notification from my credit monitoring service that I had a negative account reflecting on my credit report. So after I inquired further, I noticed this account from State Farm Bank. I never opened nor applied for this account. I contacted the Bank  and the credit bureau 's and neither of them wanted to help assist me with this issue. I filled the necessary police report and FTC report with the credit bureau 's and still nothing changed, so now I'm seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2017 I overpaid my credit card by {$400.00}, resulting in a - {$400.00} balance. 

I have called and requested for a refund to be mailed to me each month and have yet to be receive the refund. 

Each month I call, they confirm my address, stop payment on previous check, and claim again they are mailing a new refund check, but it never arrives. 5 months in a row now. 

I have escalated this to them internally asking for a refund and they have claimed they can not do anything different except to try to mail another check again. This seems really wrong as I have been waiting almost 6 months to get my money refunded.

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 2018-02-13
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

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 2022-08-27
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Account XXXX has violated my rights. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX 15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 2 : It Also States a Consumer reporting agency can not furnish a account without my written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a knife via XXXX and paid using my checking account and received a significant less valuable knife that I did not order. First, XXXX declined to cover the purchase because they say the knife is not a protected purchase. This decision was not compatible with their acceptable use policy because nowhere in XXXX acceptable use policy does it say that the knife I purchased is prohibited. They use broad language and do not say that an automatic knife is prohibited and leave the consumer unprotected. Additionally I was under the impression that my purchases are protected from Wells Fargo, especially if I purchased a product and received something substantially different from what I ordered. I disputed the transaction for the product being different than described and fraudulent. The claims assistance center mailed me a letter saying that they found the charge was authorized. This was not what was disputed. What was challenged was that the item I received was not the same. This makes me much less interested in continuing my business with Wells Fargo if they can not protect me from a fraudulent transaction when the merchant is not replying to my communication.

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 2020-07-30
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Tried to use XXXX to make a payment to a university in XXXX. PNC has changed its operating procedure and now does not allow the linking of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Under the FACT Act amendments to the Fair Credit Reporting Act, I am entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period. 
On XXXX2019 I sent in the mail in form to ( Annual Credit Report Request Services XXXX XXXX  XXXX XXXX, GA XXXX ) On XXXX2019 I received a response in the mail from all three nationwide credit reporting agencies XXXX, XXXX, and TransUnion. Both XXXX and XXXX gave me my Credit report as required by law, TransUnion did not. In the letter TransUnion sent me it explained that I am required to send private and confidential sensitive information through the mail to confirm my mailing address, although my address has not changed for almost 5 years. They included a form to get me to pay for a record that the law mandates they release to me free of charge one per every 12 months. 
I believe they are committing fraud and false advertising as well as breaking the law through constructive fraud by complicating the process for me to get my credit report. I believe they are holding my records hostage and withholding them for payment making it more difficult to get a free copy according to law and making receiving a forced purchased record easier. I believe this is criminal or something is seriously wrong, please investigate conduct an audit and let me know as soon as possible as to what has been uncovered by the investigation/inquiry. I want my Free Credit Report from TransUnion sent to me as they are required by Law to do so. I should not have to jump through any hoops when there is no law requiring me to do so, and there is no security freeze or red flags on my record that would justify these unethical practices. If TransUnion sends me my one free hard copy of my annual Credit Report this will resolve my complaint. Thank you. 

Please only contact/respond to me by US Postal Mail. Also please send me a copy of my complaint and the complaint number for my records, Thank you.

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 2019-04-30
Company: ECMC GROUP, INC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
ECMC is currently collecting for a loan they have yet to validate. Nonetheless, due to unlawful wage garnishments that I never received notice for a few years ago as well as offset tax refunds that were never applied to the loan amount, I reached out to figure out how to resolve this issue. This has caused me much hardship and has burdened me for years and now they are adding unfair collection charges to the debt without explanation. In just one month the loan amount went up over {$1000.00}. I have educated them that I am unemployed and have been now for over a year. They refuse to offer a hardship deferment and ignore my emails. They have been threatening to garnish more wages and offset my taxes, but again I do not work. This is causing me so much stress and they are unwilling to do anything other than tack on more fees and try to collect money I dont have for a loan I dont have validation for from my school or anywhere.

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 2021-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 9 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX  and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that 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 2021-06-02
Company: Tate and Kirlin Assoc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS WILL BE THE 2ND REQUEST VIA WRITING TO CEASE AND DESIST ALL COLLECTION EFFORTS AGAINST ME. I DO NOT OWE XXXX ANY MONIES AS THIS ACCOUNT IS NOT MINE AND WAS OPENED UP WITHOUT MY KNOWLEDGE. I HAVE REQUESTED INVOICE COPIES AS WELL AS ANY INFORMATION REGARDING THIS ACCOUNT THAT WOULD BE HELPFUL IN THE PROCESUCTION OF THE PERSON THAT OPENED IT. TO XXXX XXXX XXXXXXXX, THIS INFORMATION REQUESTED MUST BE RECEIVED. I DO NOT WANT ANY OFFERS TO PAY 50 PERCENT OF A DEBT THAT I DID NOT INCUR. I WILL BE CONTACTING THE POLICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paid off a debt after agreeing to a settlement agreement with NCB Management Services Incorporated.

They reduced the balance of the account as agreed by reporting it to the credit bureaus.

They then re-reported the full remaining balance against me to credit bureaus claiming it is part of the process and they can do nothing about it.

Made contact with company who is unable to anything about it and " attempted to transfer me to a supervisor/management '' for an hour before coming back with " It's under investigation now. We'll contact you later. '' Unlawful negative action taken less then twenty-four hours after fully satisfying the payment plan as made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
First Dispute with agency was on XX/XX/XXXX Letter Sent to Bankrupty Court XX/XX/XXXX in reference to how they report to Credit Reporting Recieved letter from XX/XX/XXXX Bankruptcy Court Stating they do not provide credit reporting agencies with information but in fact information can be accessed through a system called PACER. 

Recieved an update on bankruptcy dispute with XXXX on XX/XX/XXXX stating that company verfied information with XXXX and was accurate.XXXX didnt send anything back bearing my signature of verified information. 

Second Dispute with agency was on XX/XX/XXXX Recieved update dispute stating company verified information

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 2021-06-02
Company: Bread Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I made and XXXX account in last year and purchased {$230.00} plus and paid off I submitted the payment my back provided proof also about the payment but comenity capital bank still calls me check on my credit score and flagged my account on late payment which wrong It has brought down my credit score and putting me in a difficult situation when I have to lease the car for my use

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the month of XXXX of 2020 I was made aware of an attempt to collect a debt on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX reports that I have an account with them and I do not. 
his was falsely placed on my credit file over 3 years ago and was successfully removed once already. 
The creditor has indicated that the account number, status, condition or creditor name has changed on this account however none of this has changed. This is illegally be reported again. I have successfully removed this from my credit file. I never had business with XXXX XXXX therefore there is no change to account #, or amount of debt because I've never had any business with XXXX and this has been taken care of once already. 
This is harassment. This was disproved once already and they are unfairly hurting me financially and taking advantage of me as a consumer. They had no proof of this being a debt of mine. I was a victim of credit fraud and itr has been well documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I HAVE BEEN DEALING WITH SALLIE MAE NOW NAVIENT WITH MY STUDENT LOANS EVER SINCE I ATTENDED XXXX XXXX IN XX/XX/XXXX-XX/XX/XXXX. NAVIENT STEERED ME TO A FORBEARANCE WHEN I GRADUATED IN XX/XX/XXXX BECAUSE I COULD NOT PAY THE $ XXXX  MONTHLY PAYMENT, SOON AFTER MY FORBEARANCE WAS OVER MY LOANS WENT INTO DEFAULT REALLY HURTING MY CREDIT, THEY THREATENED TO GARNISH MY WAGES. SALLIE MAE AT THE TIME MENTIONED TO ME THEY WERE GOING TO WORK WITH ME BUT ALL IT WAS AN INTEREST ONLY PAYMENT AND THE LOAN AMOUNT KEPT GETTING HIGHER AND HIGHER EVERY MONTH WITH THERE RIDICULOUS INTEREST RATES OF 10 % -12 %. STILL TILL NOW IT HAS BEEN ALMOST 10 YEARS OF PAYING AND I STILL OWE XXXX ON THESE PRIVATE LOANS. THE LOANS FROM XXXX I CALL THESE. I AM A VICTIM OF DEFRAUDED ON THESE LOANS AND A MALPRACTICE BY NAVIENT IN MANAGING MY LOANS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Bread Financial Holdings, Inc.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX  ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. 

In the beginning of XXXX of 2021, I received a statement from XXXX XXXX  Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}. 

I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience. 

I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am filing this complaint against Experian, XXXX and XXXX credit bureaus. I should not have to " opt out '' from these companies using/selling/sharing my information with anyone. Why does the government allow these " opt out '' items in agreements/policies of these companies. It should be an opt-in if you want your information disclosed. These companies do not inform the public that you have to " opt-out '' for these companies to stop disclosing their information.

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 2019-04-30
Company: Experian Information Solutions Inc.
State: LA
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 was looking at my credit and noticed a lot of stuff on there that wasn't mine and I didn't recognize. I really need to get these items off. They are messing up my credit and my life.

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 2019-04-30
Company: EQUIFAX, INC.
State: LA
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 was looking at my credit report and didn't recognize a lot of the items. I didn't apply for them and need these items removed completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hi XXXX CARD and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX is reporting a debt on my credit report that they do not have collection authority for. This debt collector represents an inactive debt and is a duplicate reporting. This debt is currently being pursued by another debt collector, effective XX/XX/19. Per the FCRA, a collection agency must validate the debt by proving it is an active debt within 30 days. I have made several attempts to have the credit reporting bureau remove this the debt but they have not complied.

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