BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX, I paid off my entire account balance of my XXXX XXXX Comenity Bank account. There was a residual interest charge added after that unknown to me. I have never been late on this account and again thought it was paid off. I was in the middle of a move and never received any notification of this very small charge. The first I heard of it was from XXXX when I received notification that my account had fallen 60 days behind and was reported negatively. After all the late fees and interest, the " late '' balance that knocked my very high credit score down XXXX points was only {$48.00}. I disputed it with XXXX, but it was immediately denied by Comenity Bank for removal. There is no phone number available for Comenity Bank to dispute or explain what happened. When I called the card company, they were no help at all and offered me an address to possibly address by snail mail. Again - this account was paid off and in years of having this account has never been late. I don't feel like they are giving me a chance to even make a case or consider these extenuating circumstances. Thank you so much. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/XXXX - I detected fraud on my credit card account while traveling internationally and reported it to my bank.

XX/XX/XXXX - my checking account had a balance of {$4200.00} XX/XX/XXXX - my account was debited for {$880000.00} by the bank and my account was closed. In addition, my credit cards were cancelled and my savings account was closed XX/XX/XXXX through XX/XX/XXXX - I have contacted the bank many times to get the balance in my account due to me. It has been 3 months since they closed my account and I have yet to receive the funds.

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 2023-07-17
Company: EQUIFAX, INC.
State: MN
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 not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both XXXX and Equifax regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020 I sent 2 dispute letters each to XXXX, Equifax, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
XXXX  is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: GA
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: Other problem getting your report or credit score

Complaint:
Credit bureaus are not updating information from creditors in a timely manner nor scores are updating even after on time paid accounts with decreasing in balance. I dont feel Im being credited fairly for payment performance to creditors. I feel this is some type of credit discrimination. We the people count on these credit bureaus to update an be accurate In a timely manner. Disputes are going unnoticed as well. Please ensure the credit reporting agencies are doing their job in a fair way towards consumers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: IL
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:
ON XXXX THIER WAS AN FTC REPORT SUBMITTED TO ALL THREE CREDIT REPORTERS STATING THIER WAS INACCURATE INFORMATION BEING REPORTED AGENCIES WHERE ASK TO REMOVE THE INACCURATE INFORMATION AND TO BE BLOCKED UNDER FCRA SECTION 611 A 1 A ACT 605 A AND ACT 609

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 2019-07-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid off {$170.00} to ProCollect debt located at : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX over a month ago and even after I submitted a dispute with XXXX for reflecting that the balance is still owed ProCollect still has not updated my credit report. I was under the understanding that once I paid off the {$170.00} it would be removed from my credit and it's still reflecting that I owe them which I don't since it was paid in full.

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 2020-07-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to request an investigation be done about this dispute and complaint. I have four unlawful and unauthorized charges that Wells Fargo enacted on my business checking account in XXXX. The four charges are two concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$6400.00} legal order debit to the Florida Department of Revenue. The other two charges are concerning case number XXXX on XX/XX/XXXX for the amounts of {$120.00} Legal order fee and {$1300.00} legal order debit to the Florida Department of Revenue. All four charges were initiated by Wells Fargo claiming to be under the premise that a legal order that was filed but when checked the clerk of courts has no such order that exists. The only documentation Wells Fargo has provided is a document they received via the Florida Department of Revenue titled notice of freeze. This document does not lawfully extend any authority for Wells Fargo to remove funds without my permission. It is clear they have violated my right to due process. It is my understanding that if Wells Fargo needs to refund my funds immediately.

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 2020-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello. On XX/XX/2020 I wrote a letter to Transunion to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) 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 2020-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.

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 2023-06-18
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My Us Bank Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Javitch, Block & Rathbone LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had a XXXX  card and back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My partner lost her job. We werent able to make payments on the card. XXXX turned the account over to XXXX XXXX. I never recieved anything by mail from them. When I asked what address they were mailing to, they got angry. I stated I have a po box every thing needs to me mailed to the po box XXXX if it didnt have the po box our post office sent it back to sender. XXXX would call everyday either my number or my sons cell phone. When I would explain to them that I wasnt able to make payments right now, they got mad. Once a gentleman called from XXXX and I told him once we got on our feet I would start making payment. He told me I was a liar, that I never planned on paying it back. He proceeded to tell me i was going to me sued and asked how I felt about possibly going to jail. This went on for about a year. Then I tried to reach out to pay my debt and they told.me I was being sued. AnotheXXXX XXXX months went by I never recieved anything. Then on XX/XX/XXXX I got a complaint and summons that they were suing me. Javitch Block LLc is the attorney. I have tried to reach out to them to pay this debt. When you call they dont have enough agents for the wait time is XXXX plus minutes. I sent them several emails asking to reach out to me. I emailed and faxed a settlement letter ask for them to contact me. Still nothing. I got on XXXX XXXX and dis a settlement. They replied to me then with we will not communicate or negotiate through XXXX XXXX. I want to settle this debt. But I feel being harrassed daily, cursed at, and threatened is not worth amswering the phone when they would call. And for Javitch block to say that want to clear up this matter, but I need to contact them. How do I contact when no one answers the phone and they dont reply back to my emails.

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 2020-07-21
Company: Medical Data Systems, 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: Problem with personal statement of dispute

Complaint:
There is a debt collection on my credit report on, XX/XX/2020, that I do not recall, from MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX. Stating that I allegedly owe {$1000.00}. I have disputed it, and I do not agree with the results of the investigation.

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 2023-05-20
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX  XXXX XXXX XXXX : {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent multiple sets of dispute letters and complaints alongside my FTC report but you there at Experian are so firm with what youre doing, and thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to XXXX storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
Summary * American Express ( AMEX ) made false and fraud advertising. 

Issue * My AMEX XXXX XXXX welcome offer was first confirmed then denied after I met the eligible purchases within first 6 months of Card Membership. 


What happened * AMEX XXXX XXXX XXXX offer ( XXXX membership point + {XXXX statement credit ) was double confirmed with AMEX official agent before I activated the credit card. 
* When I spend above {$XXXX} eligible purchases on the card within first 6 months of card membership, I tried to check again for my welcome offer deal. 
* Another agent said my welcome offer was denied. 
* I tried to contact Amex from online chat twice and give XXXX phone calls to address this issue, but there is no proactive response from Amex so far. 
* Amex made false and fraud advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21
Company: ERC
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: Old information reappears or never goes away

Complaint:
the account is closed and thee collection company keeps reporting it as new and updating late payments every month. no one has sent me proof of the balance reported is correct. It is affecting my credit report by showing as active and open. It should be a closed collection account. The credit reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ALLY FINANCIAL INC.
State: ME
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:
With the pandemic, Ally gave me 3 months with no payment, or late charges.it is showing a 26 point drop 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 non-monetary relief
Consumer complaint received 2020-07-21
Company: GVA Holdings, LLC
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Grain Technology, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You all reported a late payment to the credit bureaus that is not true. I emailed you all numerous of times about changing my bank account due to fraud. This is not fault. I am asking that you make your app more user friendly so I can change my own information. Please delete the late payment status I am on a home buying goal and this really puts me behind. I am doing a complaint on cfpb because this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX I found on my credit reports this XXXX collection. I have had it removed from my XXXX  report finally but now my XXXX and Experian are still screwed up. XXXX handled the XXXX  or it ' because I have credit monitor but they should handle it too. but here is the point. the address on the bill is not mine. I've never had XXXX nor would ever in my life would I now have. I would in my opinion have others never use XXXX has they lack the ability to fact check and I will continue to report them to every because I can find until this is resolved because this has caused me financial hardship. because I was in the process of combine debt and now it is even worse due to them. i should not have to be made victim twice for their stupidity. i should not be inconvenience for their inability to do their job.

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 2020-02-21
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in a grace period after I graduated, but couldn't find a job so I applied for an IDR plan. I turned all of the documentation in well before my due date. The website states it will be processed on XX/XX/2020 and it's been on hold ever since. I keep calling and get told the run around. They keep saying I don't owe anything but can never send me it in writing. I log in and it says I owe XXXX and change due XX/XX/2020. I've repeatedly told them I can not afford that, it's over half of my gross income. They refuse to process my IDR application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
transaction control did not work. 
debit card was turned OFF, however someone can withdraw money from my checking and saving accounts. 
what is the purpose of turning ON and OFF.?

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