BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Wayfair credit card ( Comenity bank ) incorrectly report my account delinquent when its not.I have contacted them, promised to update my credit report as current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-01
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I made a return on XX/XX/XXXX at XXXX p.m. at XXXX XXXX XXXX a car dealership. The charge was for holding a car so that it would not be sold. They refunded the hold on my credit card which is {$300.00} on XXXX 2022 at XXXX p.m. I have the receipt. PenFed credit Union the issue of the credit card, has been telling me if they can see the return as pending since the date of return of the hold. They told me I needed to be more patient and wait 7 to 10 business days, lecturing me on how holidays and weekends don't count. Telling me that they would give me a refund for all the interest I am accruing everyday the {$300.00} is on my card. Till today XX/XX/XXXX when I call to check on the refund since it's not showing on the app, they say they don't see the return pending. That I should do a dispute of the charge today. I asked for a supervisor to call me, because I felt like saying that I did not use the card to hold a vehicle on the XXXX was kind of a lie. They told me that was my only option, even though I have had XXXX different Representatives tell me they saw the item as pending that I just needed to wait. They are very rude, I have reached out to the dealership they gave me the finance manager name phone number I talked to him, he has offered to talk to them directly to resolve this issue. I have offered to give him his name and phone number but they are not really concerned and do not really want his name or number. Now today they are telling me I'm not going to be able to get my money till XX/XX/XXXX. Which is totally new. It seems like every time I call I hear a different story out of PenFed I have a copy of the receipt I've called the car dealership who gave me the return twice, they don't know what the problem is why they won't give me the credit even though it was pending on their side for over a week. So they're very blont with me today telling me I was just going to have to wait till XX/XX/XXXX now so they're going to charge me interest on this {$300.00} from the XXXX all the way to XX/XX/XXXX. If you need to know any other information like credit card number a screenshot of the receipt or anything like that I will give it to 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 monetary relief
Consumer complaint received 2020-12-28
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Confusing or misleading advertising or marketing

Complaint:
False advertising. At pls @ XXXX XXXX XXXX XXXX tx XXXX have signage saying free money orders. But found a loophole thru which they estimated that my rent money order would cost my @ least {$30.00} usd ( easally non split shift days pay ) yet could still b XXXX free Probably went a total of 8 places to buy a Money order for my rent & had a lota other stuff 2 do that day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires were added to my credit which I did not authorize from multiple companies. The following inquires listed I did not authorize are from XXXX XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rentdebt Automated Collections placed an account on my credit report without sending a 30 day notice. When I asked them to remove this from my credit report they refuse to and never sent anything about the debt. They have not returned any of my calls that I have made to their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/20 I've received notification from Nationwide Credit Inc in  regards to an alleged debt owed to XXXX XXXX in the amount of {$1300.00}. In accordance with the law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).

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 2022-03-03
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: Account information incorrect

Complaint:
There is information on my credit report that is inaccurate. My credit report is not reflecting maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When making payments the mortgage company is holding the funds indefinitely before posting payment to account. Then they post the majority of the payment to interest

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
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: Personal information incorrect

Complaint:
This incorrect address is showing up on my credit report. 

XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015

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 2020-10-22
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
TD Bank USA/Target is falsely reporting that I made a payment on a charged off account that I have disputed. I have written to the bureaus to request an investigation three times. The first time they did not notate the account was in dispute or delete the account. XX/XX/XXXX only sent me an updated copy of my credit report showing the account is in dispute but they did not delete the account. After not receiving a response from XXXX XXXX and XXXX after almost a month had passed ; I found although neither of them did not respond to me in writing they both updated the account as being in dispute and they did not delete the account. 

The second time I wrote to them to request they delete this account based on inaccurate reporting, instead of them deleting the account they updated the account with TD Bank USA/Target falsely reporting that I made a recent payment on the account, which I did not, and they did not change the last activity date and the amount they claim I owe did not decrease. I wrote to the bureaus a third time to request they investigate how the payment was made, by providing me with proof of the payment whether it was a money order, check or confirmation from my bank as is my right. I have not received any proof whatsoever and the account is continuously being reported and not deleted by the bureaus. They are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XX/XX/XXXX {$4700.00}, XXXX XXXX XXXX, XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XX/XX/XXXX {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor about each of these accounts listed in this comment. I have filed an ftc report for each of these accounts and they have refused tp remove them. I have stated to each of these creditors that I have never used or opened any of 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 2018-10-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt in question is for a repossession of an auto over 8 years ago in the state of New York. The Statute of Limitations has exceeded for collecting this debt and the car has been sold by the company. In addition, I have asked them not to contact me, especially during the day, at work. I have hired an attorney - XXXX XXXX XXXX, who has sent 2 letters to the original company who called and threaten to come to my office and serve my boss with a letter to sue me ( XXXX, XXXX, and Associates, XXXX ). My attorney has sent 2 letters as they did not stop contacting me. Now I am getting calls for 2 weeks from a company called XXXX XXXX XXXX phone number XXXX, XXXX, or random XXXX. I finally asked the guy on the phone what company he was calling about as they usually hang up when I ask and he stated Santander. I requested he contact the attorney of record for me - who was noted previously not contact me. He hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Account status incorrect

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was reported 30 days past due on my XXXX XXXX vehicle lease. I could not determine why and what the error may have been therefore I continued to pay what was asked to avoid any further damage to my credit. Today, on XX/XX/XXXX I received a check for {$470.00} that was a result of a " file review '' ( attached ). With said check being received it is apparent that there was some issue with my file. I will accept the refund but I will also like the 30 days late marks removed from all three of the credit bureaus and my file permanently.

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 2020-10-22
Company: National Credit Adjusters, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine : I notified NCA of this on XX/XX/2020. I spoke with Manager XXXX XXXX. I informed him of my concerns of fraud, and he refused to escalate the matter. I was told a man named XXXX XXXX would reach out to me. I never received a call. 

Dispute-2 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 


I am the victim of identity theft and I do not recognize XXXX or more of the accounts on my report. I contested this account when it was under a different creditor. They were unable to validate its legitimacy. Then it was removed, I do not know how they were able to sell its debt to NCA. But knowingly selling false debts is fraud and Illegal. 
Dispute-3 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called on XXXX XXXX 2023 they didnt resolve it.I indicated that I had no contract with any of these companies.It was told to that it was disputed two times and came back in there favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
When I opened a Chase checking account, in person at a location in XXXX XXXX Michigan in early XXXX of XXXX, the representative noticed my SS #, and other personal information was already in their database from a fraudulent credit card opened in my name in XXXX. I verbalized to the representative that a Chase credit card had been opened but i closed it immediately with Chase as it was an act of fraud in XXXX. I continued that day with my banking and received my debit card in the mail for my account ending in XXXX. In XXXX of XXXX i received a brand new credit card from Chase that i had not asked for or agreed to. I immediately called and reported this card to be fraud to Chase and destroyed the card. The last four of  this credit card was XXXX. 10 days later i received a packet from Chase wanted me to complete a fraud claim including a police report. I do not adhere to their request as i believe this to be an internal fraud issue within Chase and XXXX should find the origin of the application and cease this practice. nonetheless i am requesting help to day as Chase is requiring me to compete their claim form ( XXXX ) which include a state or federal report filing the credit card fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Chime Financial Inc
State: KY
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:
They knew my address, email last of my sos and now bank account info XX/XX/2021 attempt to withdrawn from my XXXX XXXX  and bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My US Bank Reliacard took 7 months to get to me, and I have since spent 2 weeks trying to activate it. Because I am XXXX they have locked the card until I provide them with an address. This is unemployment money and my industry is completely shut down due to COVID-19. I have spent hundreds, maybe 1000 hours on hold over the past 7 months trying to get this to work. Now when I call Reliacard customer service they give me different information each time, and I am now doubting the integrity of their system. I would like my account investigated specifically, and any help finding legal resources to persue restitution for the damages this has caused me. I believe the unemployment benefit system through US Bank Reliacard has been compromised and there may be bad actors working to steal people 's information. I need my account unlocked immediately due to being in an emergency condition of being homeless as we are hitting freezing temperatures. Please help as soon as possible, 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 2020-12-28
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:
I'M HAVING PROBLEMS WITH THE CREDIT BUREAUS PROCESSING MY DISPUTES

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 2017-12-19
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On X/XX/2017 I reached out to the following companies asking them to prove and send documents that I owe this amount and until this day I have received nothing! They repeatedly called me and other family members requarding this situation. If you say I owe this debit send the all the documents stating I do. I have to right to see everything you say you have against me. It has even been law offices calling and writing me about these debit. The companies are as follow XXXX XXXX {$1700.00} XXXX {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22
Company: TD BANK US HOLDING COMPANY
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Companies involved : XXXX XXXX TD Bank XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX XXXX to have a shipment of products sent to my home. I was asked to wire {$18000.00} for a XXXX XXXX for US Customs. The shipping company provided me with the wiring  instructions. On XX/XX/2020 I asked my bank, XXXX XXXX, to do the wire transfer to an account at TD Bank. I received a Reference Number ( Item # 1 Wire Confirmation ). On XXXX, XXXX, XXXX, the shipping company sent me an email stating that their representative in the states was unable to receive the money because it was not authorized by my bank. They also asked me to call back my money into my account. I have contacted TD Bank and they would not talk to me without the beneficiary of the account. Since then I have been asking my bank to recall my funds from TD Bank with no success. I received several emails from the shipping company that they do not understand why my bank can not get my funds back into my account. I have numerous emails back and forth with the shipping company about our communications that funds should have been released, recall failure, etc. 
I have contacted my bank on the following dates to gather information and get my funds recalled : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation