BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: Bread Financial Holdings, Inc.
State: FL
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:
On XX/XX/2022, I filed a dispute with Comenity Capital Bank, XXXX XXXX XXXX XXXX, OH XXXX, BJ 's Perks Mastercard Credit Card Accounts are issued by Comenity Capital Bank , in the amount {$1600.00}, that was posted on my credit card account # XXXX, on XX/XX/2022. The charge was from XXXX XXXX XXXXXXXX. 

However, Comenity Capital Bank, XX/XX/2022, issued a XXXX XXXX- {$1600.00}. 

XXXX XXXX  XXXX advised via email dated XX/XX/2022, and XX/XX/2022, that they DID NOT DISPUTE THE CHARGE BACK from XXXX XXXX XXXX XXXX  on XX/XX/2022, they incurred a charge back in the amount {$1600.00}. 

PDF copies of emails, Dispute Resolution Form, Cardholder Dispute Charge back and XXXX XXXX XXXX FORM. 

Here we are on XX/XX/2022, over 30 days later Comenity Capital Bank, was informed that XXXX XXXX XXXX, did not contest the charge back and where Comenity Capital Bank, failed to remove the XXXX XXXX - {$1600.00} and post it as a permanent credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: Comerica
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 recently reviewed my XXXX credit report and noticed Inquiries which I did not give authorization. The inquiries in question are as follows : XXXX bank credit cards. XXXX date XX/XX/XXXX XXXX bank credit card. Inquiry date XX/XX/XXXX Cap One NA bank credit card Inquiry date XX/XX/XXXX XXXX XXXX XXXX bank credit card. Inquiry dare XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX credit card. XXXX date XX/XX/XXXX XXXX bank credit card. XXXX date XX/XX/XXXX XXXX XXXX XXXX reseller. XXXX date XX/XX/XXXX XXXX Mortgage reporters. Inquiry date XX/XX/XXXX I have reached out to the companies who pulled my credit report as well as XXXX to resolve this act of FRAUD, but to this date I have had no resolution from either party. I want these FRAUDULENT, unauthorized inquiries to be deleted from my XXXX credit report. They are damaging both my credit rating as well as my fear of being a victim of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This situation has been going on for years since Walmart switched over to mastercard.I have always paid my account on time .But for years I 've been getting charged interest on purchases that were for no interest .I had receipts showing the no interest .And Walmart would advertise these promotions and not honor them .Then I would pay off promotional balances and Walmart would turn right around after I  would pay off the promotion and charge me the full interest .There is 2 promotions one for  XXXX and the other in XXXX that I did n't pay off but the other promotions I did before they expired.I have prove of all my payments I 've paid thousands of dollars within the past few years .and it seems like my account is n't decreasing .I turned them in to the Attorney General in XXXX of XXXX they told me they could n't do anything.I contacted Walmart credit card recently I told them my account does n't look right .Basically they sent me a letter stating they were n't removing any fees.I have prove .I 'm in the process of either filing bankruptcy to get rid of the account or taking there bank to small claims court.So it can be figured out where my money is going.I stopped making payments because if my account just keeps increasing .ME making payments is only benefiting them.They are also giving me a negative credit reporting.When I pay my bills on time .This situation is hurting 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 monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My wife and I paid the remaining balance on our card ( {$4000.00} ) in one payment to be done. Apparently we did this two days after the last due date. With this, the company ( Wells Fargo ) states that since we paid it two days after, we still have interest for that month. How could I be charged interest for money that is not currently loaned to me? If anything, I could see the two days of interest, however, they are charging me the full month. This is total XXXX. Can I charge them interest for money I didn't loan them? Man, I could become really rich with this practice.

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 2017-09-29
Company: LEXISNEXIS
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:
these claims are not mind someone used my information i never lived in ohio these are fraud claims there reporting to lexus nexus and needs to be removed CLAIM 2 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX I Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$1200.00} BODILY INJURY CLOSED {$2900.00} COLLISION CLOSED NaN COMPREHENSIVE CLOSED {$970.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM XXXX Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX  Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status NaN BODILY INJURY CLOSED {$13000.00} COLLISION CLOSED NaN PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 4 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$3800.00} COLLISION CLOSED Additional Info : N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX a Federally protected consumer informed XXXX that they are in violation of 15 U.S.C 1681a ( d ) ( 2 ) ( B ) by reporting the follow items on my consumer report. 


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
Consumer complaint received 2020-02-21
Company: Paypal Holdings, Inc
State: MD
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:
I made a purchase in XX/XX/2018 at XXXX XXXX XXXX  XXXX using paypal. I returned some of the items in XX/XX/2018. For over 2 years I have contacted paypal to process my return they refuse to process my return to my XXXX  XXXX XXXX credit card and insist on charging me a fee to get my {$26.00} return processed. 

This is unacceptable and beyond poor business practices. I am requesting that my return be processed with interest. 

I have tried to resolve this issue over and over again both on the phone and via the chat they refuse to process my return to the credit card stating the return was rejected. XXXX  XXXX XXXX has no information on a rejected return. 

I should not have to pay paypal a fee to process the return for my purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
For 7 years I have faithfully been paying off a XXXX XXXX XXXX XXXX balance from {$13000.00} to today {$750.00} : Now : XX/XX/XXXX I asked Ms. XXXX of Chrysler Capital to provide me option to pay XX/XX/XXXX and pay off the remaining balance in XX/XX/XXXX. Non-negotiable. I stated fine. put me in collections if you refuse to work with me in order to pay off remaining balance to release full-title and lean of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: FIRSTBANK
State: MT
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:
I had a checking account with FirstBank in Colorado that was opened XX/XX/XXXX. In XX/XX/XXXX, I relocated to XXXX, WA for employment. During the move, a deposit from a former employer was returned and overdrew the account unbeknown to me. It was not until XX/XX/XXXX that I found out when it showed up on my credit report. I immediately paid the balance in full. 

FirstBank reported this as a " Line of Credit '' " paid charge off '' account. This was never a line of credit. Later on XX/XX/XXXX, they changed it to " included in bankruptcy. '' It was never involved in a bankruptcy. 

In trying to work with FirstBank, XXXX XXXX, I have been unsuccessful in resolving this issue. This was a checking account. Not a line of credit as being reported. Never at any time was an application filled out for a line of credit. 

This should be removed from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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 information incorrect

Complaint:
I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 2022-04-27
Company: Grain Technology, Inc.
State: TX
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:
I have an account with Grain Technology and I reached out to the company back on XX/XX/XXXX and havent gotten a response. Ive sent about six emails since then and havent heard anything. I tried calling the company which you cant speak with a representative as well as it tells you to go online and submit a ticket. My payment was due on XX/XX/XXXX and I havent been able to login to my account. Ive called this number XXXX many times. No option to speak to anyone. 

I did forgot password and never received an email to change my password. Ive never been late or missed a payment and Im very concerned because this can effect my credit. I done a search on how to reach out to someone from this company and nothing. I need help! This is not how a business should operate. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: GA
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 recently wrote a letter to the credit bureaus to do an investigation of my credit report to check the accuracy of the accounts and personal information. They stated all my accounts and personal information was accurate and update. So I did an even thorough investigation myself and found improper inaccuracies on my credit report even after they said they did there investigation. I Researched my own rights and found this .... in accordance with the Fair Credit Reporting act XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Below I am listing all the accounts that I found was to be wrong. 

Account Name : XXXX XXXX Account : # XXXX Each credit bureau is reporting different late payment status as well as the date of last reporting. I have attached my credit report as well as proof of my letters being sent to the credit bureaus and no investigation being done. 

Account Name : XXXX  XXXX Account # XXXX I have asked for this account to be removed because the account is not mine and is someones account affecting my credit score negatively Each credit bureau is reporting different information and XXXX doesnt even show this account belonging to me. 
Account Name : XXXX Account # XXXX Each credit bureau XXXX XXXX different " dates of last active, '' date of last payment, '' and " payment status. '' Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$6100.00} This account is only reporting from XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet experian continues to hold this account on my credit report. 
Account Name : XXXX XXXX XXXX Balance : {$25000.00} This account is only reporting on XXXX and no other credit bureau. I have already disputed this as a fraudulent account yet XXXX now continues to hold this account on my credit report. Account Name : XXXX XXXX XXXX This account has so many inaccuracy from date opened, to balance due, payment status, and date of last active. The credit bureaus did not due an investigation into this account to verify the information is correct.. 
Account XXXX XXXX XXXX XXXX  XXXX Account XXXX This account is only reporting negatively to two credit bureaus which is XXXX and XXXX. Which both these bureaus have different dates of opening as well as when the account was even active.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 


XXXX Account XXXX : XXXX XXXX Account Number : 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 2017-09-29
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently disputed a late payment with equifax. Not only did Equifax not correct the late payment.The added a previously removed chapter XXXX without notice and which should not be there. 

Former case : Submitted to the CFPB on XXXX-XXXX-XXXX Product Credit reporting Issue Public record YOUR COMPLAINT Equifax has previously reported that I do not have a chapter XXXX currently reporting on my file. However, I have yet to receive a credit report showing this. Equifax also keeps stating that XXXX XXXX has verified this information to be true when this is a blatant lie. As you can see I have a letter from XXXX XXXX stating I have no public records with them. Credit file confirmation number with Equifax # XXXX. Please have Equifax to permanently delete this information from my fie.It is both illegal and unethical to keep this erroneous information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX have both violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 it also states : " A consumer reporting agency can not furnish an account without my WRITTEN instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: GVA Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Have been getting charged outrageous apr fees ( 691.98 % ) which are illegal in the the state of Illinois. A {$700.00} loan costed me {$1900.00} so far. I read online that there are numerous complaints about this company. Also after reading the contract the box to make automatic debits from my account is not checked, so they have been making illegal debits from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: IL
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 checked my credit report and I am upset on what I found out. There are late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$160.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been getting repeated calls from callers saying they are with Transworld Systems for YEARS. I used an app on my phone to block the calls, but I switched to a new phone and now they are coming in. Every day they call, 3-6 times per day. For years I never picked up because the calls were blocked by the app, but they would leave messages saying they were from Transworld Systems. 

I finally picked up this week. I told them that I did n't have any past due debt. They told me they were collecting for a debt owed to XXXX XXXX XXXX XXXX, but the person on the phone would not give me any more details about the debt. I checked my XXXX XXXX account and called them, and both online and on the phone they confirmed that my student loan debt was paid off years ago and there are no problems. I asked the person on the phone to stop calling and sent Transworld a cease and desist letter. I have of course never received any written information about the debt and they would n't give me any details on the phone.

Company response to consumer: Closed with explanation