BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My husband who 's primary language is XXXX purchased our wedding rings from XXXX XXXX. He was told at the time by the sales associate, who was also Russian speaking and went over this info in XXXX so my husband would understand that the rings would be on a special promotion of 0 % interest until the balance was paid, it was important that we buy the rings now - which was literally 4 months before we needed them, but it was such a good deal he decided to go for it. 
We have been paying on the rings online like good little troopers until we saw the balance shoot up by {$1200.00}, apparently the promotion we were told about was not true, it expired after some period of time. I asked my husband for the financing agreement, he said he never got one, he just signed a signature box in the store - he took the word of the sales associate. 
Both myself and my husband have called XXXX XXXXXXXX on multiple occasions and filed disputes. Every response we get to the dispute does not address the problem - we were lied to about a promotional interest rate. On the third attempt the call center representative event admitted that they get these complaints all the time before she transferred me to the manager.
The manager told me that our complaint was n't ' valid because the printed statement says that there was an expiration date. I reminded the manager that we pay this account on line and rarely open a bill, never less go searching for some inconspicuous notifications about their fake promotions! Furthermore, the problem is that we bought these wedding rings under false pretenses - what can we do now GIVE BACK THE RINGS? In my world that 's called a bait and switch. The manager said he would forward the complaint to their legal department and someone would call me in 3 days - its been a week and I have not back from anyone. I am tired of the merry go around with Zales Outlet and their unsavory business practices. I hope that someone can check in on how they do business, I know we are not the only people dealing with their shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my third written request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me and you have previously removed but now it came back as a collection .Please block these account, note that there might some accounts that a not showing in my credit yet. I'm currently receiving collection mail from different place, I will report them as they come. I have follow the steps and filed an FTC complaint that is attach to this report as well as my ID and SS. 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 2022-02-28
Company: Rosebud Economic Development Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
https : //www.zocaloans.com/en/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 493.66 %. I borrowed {$300.00} and now I owe {$730.00}. This should be illegal.

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 2019-09-30
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I contacted Commenity Bank after a week 's worth of trying unsuccessfully to register and pay my " XXXX '' Mastercard bill. I have yet to receive a statement ( either paper or via email ) from the company and I was trying to pay my bill online to prevent a late payment ( as a result of such ). I spent 20 minutes with the first customer care representative who failed to help me register my account online. I asked to speak to a supervisor who " magically '' registered my account. Today, when I attempted another sign-in to pay my card, I given the same error message that I have received on XX/XX/XXXX and the week prior which is that they were unable to locate my account information. They asked me to provide information within three separate boxes : 1.My credit card number, 2. My billing zip code, 3. The last four digits of my SS number. I input all of this information multiple times before being locked out of my account. I am assuming that my bill is now overdue and late. Can you please look into this issue for me? 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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:
Capital One charged an annual fee but never sent me the bill. Then charged late fees and reported me as late pay to the credit bureaus. With the late fees they then sent the bill. 
I talked with them, paid the annual fee and they waived all the other charges. The account is in good standing. XXXX XXXX said they would report back to the credit bureaus to have the comment they put on reversed and it was their error. 
This has not been done. They were at fault and now they have damaged my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from Kirschenbaum & Phillips, P.C. Representing XXXX XXXX, with enclosed Information Subpoena and Restraining Notice dated XX/XX/XXXX. Attaches are supposed Court Papers with Index No. & Firm File No. for a court that I can not find in existence. Court : District Court of the County of XXXX First Dist : XXXX XXXX. Staying that a judgement in said court was filed against me XX/XX/XXXX for {$8300.00}. Furthermore attached is an Exemption Notice stating that Your bank account is restrained or frozen. Which has not affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXXV ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It Mat Concern, I have appealed a credit decision based on extenuating circumstances. I have made efforts to speak with a bankruptcy attorney which was not the best course of action for my family. I later made consultation with the XXXX XXXX XXXX of XXXX XXXX, XXXX ( XXXX ). I spoke with a counselor at XXXX on XX/XX/XXXX, who provided me information and guidance in making contact with Ditech with my permission. On that same day I informed Ditech that I will be represented by XXXX, which is a housing program. Both the counselor and I spoke with a supervisor who informed us to send written notification of what action I will be taking to settle this debt. I also informed Ditech that I was no longer living in the home because I was told by one of the representatives if I was not able to catch up my payments and surrendering the property was In my favor I had 30 days to vacate the premises. I initially put in a written correspondence on XX/XX/XXXX and faxed it to Ditech requesting a settlement offer to Ditech which is the borrower in question. In my settlement letter I agreed to allow a third party to enter into the home to appraise the home only with myself being present. XXXX XXXX XXXX entered into the property by breaking all secured locks and triggering off the alarm system. I later informed Ditech that my rights were violated and I will be pursuing legal representation. I have made attempts to personally contact Ditech in which my calls have not been answered. I have either been transferred to a voicemail or bounced around the system. I returned back to XXXX for further guidance. The counselor at XXXX and I have made several attempts to contact Ditech in which our calls were not taken. On XX/XX/XXXX, it was suggested by the counselor that I submit a letter requesting Ditech to respond to my initial letter. The letter was typed and faxed to Ditech. I have received a letter post marked XX/XX/XXXX informing me to give Ditech 30 days to respond to my written request. Ditech has not since contacted me in reference to the initial settle request. I have made efforts to contact Ditech to resolve this matter and still my calls are unanswered. I have a future appointment with XXXX. I can forward all correspondence that I have submitted to the borrower making attempts to clear all debts. However, I have made ongoing efforts to contact Ditech personally by phone or fax. I have been informed by XXXX to contact the consumer finance protection bureau ( CFPB ).  I have not been able to make payments due to family hardship. Since my initial letter Ditech has been reporting to all credit bureaus. Follow the link belowhttps : //www.consumerfinance.gov/complaint/. My last option will be to surrender the property. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection reporting on my credit that is not mines. This debt originated from a utility bill through XXXX in which I have never had services with them. This information appears to be frivolous due to potential fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Bread Financial Holdings, Inc.
State: LA
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:
I have reached out to this company numerous of times about the unauthorized inquiry. I have a security freeze across all 3 credit bureaus. I have called both the creditor and the credit bureaus and they keep telling me to call the other. I have ya to get anywhere with this situation. I am well aware of my rights as a consumer and I cant get a solution. 
Inquiry is from XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2018 {$1500.00} XXXX XXXX report under my name and report that is no true or belong to me ..I don't have account with 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 2019-05-07
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX ( debt collector ) dated XX/XX/2019 for {$410.00} about an an XXXX XXXX Credit Card ( Synchrony Band ) for an account that I closed more than 2 years ago. I never received any communication about me owing money and this was the first communication on the topic. I paid right away as I didn't want my credit score to suffer. 

First, this is a charge that I didn't owe. Second, I need this to not impact my credit score.

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 2021-03-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX, XXXX, XXXX ... XXXX XX/XX/2020 USAA took {$1300.00} from my Checking Account. I had deposited it in XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX XXXX, CA says he does not have a stop payment or a deposit returned to his client, my former boss, XXXX XXXX  If this is true where did my Money go? USAA has not told me where the money went jut that it i gone which was my initial complaint of not providing my electronic deposit with FDIC protection. Where did my {$1300.00} go? To XXXX XXXX maybe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: EQUIFAX, 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:
I received a credit report dated XX/XX/XXXX. I disputed a bankruptcy on my Equifax Credit Report. I noticed that they did not add the sentence that this item was disputed by the consumer. As soon as I complained about the missing information on that dispute. Equifax sent me a new credit report backdated XX/XX/XXXX. On that report they backdated it with the up to date information. Showing that they had added the information in enough time. This backdated report had an up to date confirmation number. Equifax has committed fraud for changing information by backdating the Credit Report to show that they had put the information on the credit report in enough time. They also stated that they had an up date from XXXX XXXX, this also is incorrect. I opted out of there system in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021, I used citi bank ATM machine to make a payment of my citi bank credit card outside of the bank which is located in XXXX XXXX XXXX XXXX XXXX XXXX, CA at XXXX. I put XXXX dollar bills ( total amount is {$460.00} out of {$1000.00} : I planned to make a payment of {$1000.00} so I put some amount of cash first ) in ATM after that, suddenly the transaction was closed without payment confirmation. The receipt said " I am sorry. Due to quality issues I can not accept one or more of your bills. Because technical problems, I can't return your cash right now. '' That means, there was ATM technical issue. ATM ate my cash without payment. Right after that happening, I went into the bank and I explained it to ask for returning my cash. However, they said they can not do anything and suggested to wait until tomorrow without any confirmation. So I asked to call customer service to dispute this issue. I was talking with a banker, XXXX XXXX. XXXX and her phone number is XXXX XXXX XXXX. As of today, there is no solution or any action from Citi bank. I am afraid I may loose my money. Please investigate this issue ASAP to protect a consumer rights. 
I attach the receipt and screen captures of the ATM machine to prove there was issue when making a payment.

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 2018-12-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THD/CBNA ON XX/XX/XXXX did a hard Inquiry that I was not made aware that they where going to do a hard inquiry. In the past i had THD/CBNA card so when they offered me a promotion in the store they did a hard inquiry and did not make me aware that they where doing so. I have had a credit card with them for years so i don't know why they would do a hard inquiry. 
Also, recently THD ( The Home Depot ) XX/XX/XXXX did a soft inquiry and for what reason i have no idea.

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 2019-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 customer service

Complaint:
ISSUE : Credit card company refuses to restore XXXX miles related to a fully refunded purchase. 

DETAILS : On XX/XX/2019 a merchant charge of {$1600.00} posted to my credit card account. On XX/XX/2019 I redeemed XXXX miles towards the full cost of this charge. ( The redemption conversion rate for this reward program is XXXX miles for every XXXX USD ) On XX/XX/2019, the same merchant refunded the {$1600.00}. However, after multiple attempts to directly resolve, the credit card company claims I am not owed the XXXX miles redeemed for the now-refunded purchase. 

***Note : This reward program allows consumers to earn " double miles '' for every dollar charged on their credit card. The charge for {$1600.00} generated XXXX earned miles that were subsequently taken away when the merchant credited my account for the same amount. I have NO ISSUE with this transaction. *** I have all billing statements, account information and necessary details to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation