BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: SC
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does 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 2020-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with XXXX bank out of XXXX, Ohio. I have been trying to pay off the mortgage over the past six months with large payments of {$10000.00} to {$15000.00} as my bank CD 's mature. 53 has repeatedly refused to credit my payments to the principal and kept using part of my payments for forthcoming regular mortgage payments despite my clearly stating on the checks that these payments were solely to reduce the principal only. This resistance to customers trying to pre-pay mortgages is apparently a regular business practice of this bank as other complaints to sites like the XXXX also note they vigorously resist pre-payments. Most recently I made a payment of {$15000.00} via a check which was cashed by them on XX/XX/20 and has cleared my bank and they failed to credit this to my principal or anything else. They first admitted a mistake, but have never fixed it despite repeated written complaints and telephone calls to them. Essentially, as it now stands, the existing circumstances is that they have stolen {$15000.00} from me. I am aware of your pending lawsuit against them for deceptive practices and this kind of act by them seems to fall right into a similar category.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Monterey Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The original transaction was with XXXX as evidenced in the enclosed documents. XXXX funded the transaction and the debt was owed to XXXX XXXX. However, upon completion of the transaction and subsequent attempts to contact XXXX, I discovered XXXX had ceased operations and had been indicted for fraud by the Federal Trade Commission. 

The debt has now passed the statute of limitations for reporting and for legal pursuit of collection in my home state of Texas. I demand removal of the record of this debt from my consumer credit report and cessation of collection activities by Monterey Collection XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My ATM card was replaced by wells Fargo bank XXXX time in one month because somebody stole my debit card

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 2018-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018 I received an e-mail from XXXX including a tracking number and shipping details for a payment of {$500.00} that I did not make. The e-mail appeared to be from XXXX and the seller was listed as : XXXX XXXX and the e-mail was : XXXX. The e-mail included my current address and was sent to my current e-mail address. I did not purchase anything through XXXX and did not authorize any payment of {$500.00}. My credit card was charged the {$500.00} on XX/XX/2018. 

Within 24 hours of receiving this e-mail and the unauthorized charge, I immediately contacted Bank of America to report the suspicious activity and the unauthorized purchase. The money was credited back to my account on XX/XX/2018. 

A few days later, a manila envelope was in my mailbox, with no return address. I opened the envelope and inside there was a crumpled and ripped up magazine. There was nothing else in the envelope. I could not return the contents as there was no return address. The tracking number also was updated to say my " package '' from the unauthorized vendor had been delivered, further confirming that the envelope with a crumpled magazine was part of this {$500.00} scam. I did not authorize any purchases, nor did I purchase a crumpled and ripped magazine for {$500.00}. 

On XX/XX/2018 I received a one page letter from Bank of America saying the following : After a review of details you provided, we've determined that no fraud has occurred. As a result, you'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will appear on your monthly billing statement. 

Again, I immediately contacted Bank of America. They informed me that through the investigation they contacted the merchant and he said that I received the package. Therefore, according to Bank of America, because I received the package and did not return it ( despite not ordering this package and having no way to return it with no return address ) that I was being held liable for the {$500.00}. They informed me that they would re investigate the claim. I reiterated multiple times to Bank of America that I do not use XXXX and I have documents that show an outdated XXXX account ( which includes an expired e-mail address, an address where I have not resided in over three years, and an outdated debit card ). Furthermore, when I was able to access this old XXXX account, there is no record of any purchase being authorized, no record of XXXX, and no history of any payments.

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 2018-10-25
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft. The following credit hard inquiries on my Experian credit report is fraudulent, unauthorized and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2018, XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX, XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018. The following collection account is fraudulent, unauthorized, not mine and dont belong to me : 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 2023-09-21
Company: Rubin & Rothman, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
My sole income is Social Security XXXX and Supplemental Security Income. Rubin & Rothman started sending me collection letters on XXXX XXXX regarding a credit card from XXXX XXXX XXXXXXXX. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. 

That was not enough for Rubin & Rothman, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. 

Rubin & Rothman knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. 

I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. 

Rubin & Rothman wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. 

Two months later, Rubin & Rothman had no option but to petition the state court to dismiss their lawsuit, and I received my discharge one month later.

This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified Rubin & Rothman in writing ; ( 2 ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( 3 ) sending repeated collection letters, one day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.

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 2018-10-25
Company: BARCLAYS BANK DELAWARE
State: IL
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 credit card company, Barclays, has repeatedly pulled my credit without my consent or authorization. Every time I ask them a question about my account, they pull my credit. They have done three hard pulls to my credit without my authorization this year. I would not ask them any questions, if I knew their intention was to do a hard pull on my credit. I want all of these hard pulls to my credit removed immediately. 
BarclayBank Hard Pulls XX/XX/XXXXXX/XX/XXXX 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 2022-12-26
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Trans Union has delayed my demand to remove info on my credit report for way too long. I have contacted Trans Union by phone on more than one occasion and sent several different letters. There has been absolutely NO response! As a consumer I'm both annoyed and irritated by the run around. There are several inquiries on my report that are unauthorized and Trans Union has continued to furnish this report without my consent. Trans Union has not given me the method they used to verify with ANY of these companies by way of a signed authorization that has my signature. According to the FCRA the only permissible purposes to obtain a report are : a firm offer of credit, insurance, employment, or court order. I, XXXX XXXX, affirm that I have NOT been extended any firm offer of credit from these companies listed on my Trans Union report, applied for insurance, employment, nor have am I aware of any court order stating otherwise. At this point if I demand Trans Union remove these unauthorized inquiries. They are unlawfully delaying my dispute and liable pursuant to 15 USC 1681n ( a ) ( B ). My character has been defamed and this long process and caused me extreme stress and anguish. Trans Union has furnished a report on several inquiries without my written consent and with no permissible purpose that need to be deleted TODAY before I pursue them in legally for their willful noncompliance. I'm not waiting for their unethical stall letter that will continue to delay. DELETE THEM! I am attaching my most recent letter to them. I also have certified mail receipts from previous letters that confirm receipt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested repeatedly for the company XXXX XXXX and also Experian, XXXX, and XXXX to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. XXXX XXXX XXXX has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-10-25
Company: SYNCHRONY FINANCIAL
State: IL
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:
Most of those inquiries were done without my consent.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: AZ
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The prior complaint should not have been closed and is unresolved. The company reactivated this card but it is not redeemable and these Amex gidtcards are useless. I need a ful refund in cash payment not this card that I can't use anywhere. I've since tried to use it today and yesterday on XXXX. on XXXX. On XXXX On XXXX on XXXX. XXXX XXXX. Other retailers. The card isn't redeemable anywhere and this company should be sued and held liable there response and solution was not accepted by me and the prior complaint was closed prematurely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls due to a past due credit card payment- I answered while on a brief break at work, the woman on the line asked if I was ( First, Last name ), in which I replied yes. she then disclosed the debt, where it was for, amount, due dates, all details without first verifying my identity, or that I was in fact the borrower. Anyone can say yes to this question. I am extremely upset that they would disclose this personal information to anyone who would say they are me.
<P/><P/>
Comenity Bank, Children 's place store card

Company response to consumer: Closed with explanation