BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank closed my XXXX XXXX Credit Card on XX/XX/2020 without pre-notification and without notifying me of the closure after the fact. The reason they gave was inactivity. I was only notified of the closure when I received an alert that my credit score had dropped due to the account closure. I am in the process of selling my home and purchasing a new one and this drop in credit score will severely affect the rate I am able to receive on my next mortgage. 
I spoke with two individuals at XXXX credit agency that told me there is nothing they can do to reverse the adverse impact on my credit score. They are simply on the receiving end of the account closure. 
I then reached out to Comenity Bank. My issue was escalated to senior customer service representative XXXX ( ID # XXXX ). He confirmed that they did not notify me via email or mail before closure or after closure. He also confirmed that there was nothing that they could do to reopen the account or provide anything in writing to me or the credit agencies about this account. I was clear with him that my next step would be to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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:
I sent a letter to Experian disputing 8 accounts as erroneous on my credit report XXXX XX/XX/2021 ) and mailed the letter certified, return receipt requested. I received notice in the mail that the letter was received on XXXX XX/XX/2021 ). By XXXX XX/XX/2021 ) I did not receive any results from any investigation. On XX/XX/2021, I mailed out another letter certified, return receipt requested, Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per deleted item that letter was received by Experian on XX/XX/2021.

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 2018-12-09
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.

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 2021-06-03
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector is trying to obtain a payment on XXXX bill that does not belong to me. The account was opened on 2019 however I have been with the same cellphone provider for 7 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
XXXX XXXX XXXX XXXX XXXX ( 13 minutes ago ) to Customer XXXX XXXX , Unbelievable answer to my question. 
I did the location search and the answer was " no locations found ''. 
That is why I asked you for a location. You did not respond, only sent me to your location finder again. 
Doing a little research, I did find the nearest location in XXXX XXXX, Va. XXXX which is about 250 + miles from my house. My question to you now is, how do you expect me to do business with a bank location that is 250 miles from my house? The Sun Trust location I used is 2 blocks from my house and there are 20 locations within 15 miles of my house. Not sure this was the correct action for my banking needs! 
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
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion and XXXX  are reporting the same account furnish by Dept EDXXXX XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. XXXX  is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but Transunion is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.

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 2018-06-25
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of Experian, XXXX  or XXXX. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.

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 2018-06-25
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I normally pay my XXXX  XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX  sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX  XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i was sued and garnished by XXXX XXXX thru XXXX, XXXX  and XXXX. garnishment started on XX/XX/XXXX. for the amount of XXXX court cost of XXXX and sheriffs fee of XXXX for a total of XXXX they made me pay XXXX 
my balance was paid in full the last payment of XXXX on XX/XX/XXXX. my credit report was XXXX balance from them. then on XX/XX/XXXX they added a balance of {$880.00}. saying that i still owe them money.. these people are ruthless to say the least. i need help clearing this up please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file resulting from the crime because I am a victim of identity theft. I have listed the accounts I need to dispute on the attached copy of the report I received. The account I am disputing do not relate to any transactions that I have made or authorized. Please remove these accounts at the earliest possible time.

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 2018-03-29
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: Investigation took more than 30 days

Complaint:
CRA VIOLATION / WERE DISPUTED ON XX/XX/2018 EXPERIAN DID NOT SEND BACK ANY PAPER WORK MORE THAN 2 1/2 MONTHS.

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: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Credit line with 5/3 bank since 2011. During COVID pandemic really trying to stay on top of payments and improve credit limit. Online banking amount that showed amount due always met and made by due date. However apparently what amount showed was not amount due at time. No notices, phone calls, emails. 5/3 Manager just stated that ran credit history and due to report they decreased credit limit by over {$1300.00} in XXXX swoop. No notification prior to change, letter apparently sent out day of ... .still waiting on that. However decrease was automatically lower than the up to date balance automatically placing me BELOW the alotted credit limit and therefore now have a negative balance which has already taken effect on my credit score!! No purchases made on card except one yearly membership due to trying to pay down credit and get our of debit. All determined focus in trying to improve my credit score has been crushed with one drop of XXXX points by this. No warning, no notice, just cut without reason!! In a World Wide pandemic and good pay history with company after almost 10yrs, this is how I am rewarded. I am more than frustrated that this can just happen. Where is the backing to the consumer ... ... I can understand if I hadnt made payments or there was a justified reason but this is really disheartening and now my credit score and livelyhood moving forward with XXXX XXXX  kids is just left to deal!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
I just contacted Equifax about inquiries that I reported as fraud and was told to send an FTC report. 
I sent a report via fax XX/XX/XXXX as I was directed to do so. I contacted Equifax to verify receipt which they said they had not on XX/XX/XXXX. I then sent a letter certified mail which they received XX/XX/XXXX. 

I person I spoke with stated that had not received either of the copies I sent out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: U.S. BANCORP
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: Account information incorrect

Complaint:
Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX  XXXX  and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX  that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. 

WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 
2. ELAN customer service explanations were uncaring and vague- no advise. 

QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 
2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? 

Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX  and XXXX XXXX that I see I am not alone ... ..

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 2020-08-21
Company: Experian Information Solutions Inc.
State: PA
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 a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

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 2020-07-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Referencing my CFPB Complaint Number XXXX, this is a follow up submission. I have been charged a fee by Citibank dating back to XX/XX/2003, for " Payment Safeguard '' protection, a product/service that I never signed up for. I have asked Citibank to provide me with proof of me signing up for this product, but they have not produced this proof to date, simply stating that their " ... records reflect you enrolled in Payment Safeguard, formerly Credit Protector, on XX/XX/2003. In addition, we mailed you monthly reminders on your statements, which provided information about the program benefits and pricing, as well as a phone number you could have called to cancel your enrollment. '' I do not recall ever seeing anything come to me in the mail providing me with program benefits and pricing, a phone number to cancel enrollment, not even a letter confirming my enrollment in the program. My experience here sounds exactly like the experience another of Citibank 's customers had ( a XXXX XXXX just last year ) as evidenced by his story at the following link : XXXX XXXX   XXXX. My ask here, again, is that Citibank provide me with proof of my signing up for Payment Safeguard this product on XX/XX/2003.

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 2020-11-05
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I try to reach out to CONSUMER PORTFOLIO SERVICES to let them know that I had a cease and desist order regarding my credit being ran.YOUR NAME XXXX XXXX XXXX ON XX/XX/2020 I WENT TO XXXX XXXX DELIVERED A CEASE AND DESIST LETTER TELLING THEM NOT TO RUN MY CREDIT AS A RESULT MY CREDIT WAS RAN MULTIPLE TIMES.I TRY TO ADDRESS THE CONCERN WITH CREDITORS LETTING THEM KNOW THE AUTO DEALERSHIP VIOLATED THE CEASE AND DESIST ORDER.I CURRENTLY HAVE A PENDING COURT CASE XX/XX/2020 RESULTING THE VIOLATION OF THE CEASE AND DESIST ORDER.I TRY TO CONTACT CONSUMER PORTFOLIO SERVICES LETTING THEM KNOW I WANT TO ALL DISPUTE AFTER XX/XX/2020 BECAUSE IT WAS IN VIOLATION OF THE DESIST.

Company response to consumer: Closed with explanation