BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 placed two orders with the clothing store New York & Company ( order dates XX/XX/, XX/XX/XXXX  ) using their New York & Company RunwayRewards Credit Card by Comenity Bank. I returned those orders within a day of receiving them but have yet to receive a refund. As shown in the provided XXXX  tracking numbers, NY & CO has received all returned items. Despite confirming receipt of all returned items, NY & CO has failed to provide a refund or an explanation of why a refund has not been issued in over 30 days. 

I started requesting a status of my refunds on XX/XX/. During a telephone conversation with NY & CO customer service, they indicated that a deduction of {$9.00} is applicable to my refund amounts. 

On Tuesday, XX/XX/, I contacted Comenity Bank ( Bread Financial ) to file a dispute regarding these transactions since the store failed to provide a refund after receiving the returned merchandise. Their representative refused to file a dispute for these transactions stating that I could not file a dispute because the merchant was known to me, and because I authorized the charges. She also stated that I would continue to incur finance charges against my balance. I explained to the representative that despite authorizing the charges, I was disputing those amounts because the merchant had received their merchandise and failed to provide a refund. This bank still refused to initiate disputes for these transactions. On XX/XX/, I received an interest charge on my statement for these purchases. At this point, this bank is making money off of purchases that should no longer be on my account, as well as refusing to file a dispute on my behalf. 

It seems unscrupulous for a financial institution to refuse to dispute transactions for valid reasons while also charging interest for said transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Experian Information Solutions Inc.
State: UT
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:
Experian has received an official identity theft affidavit and I am uploading this as well for XXXX XXXX to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given XXXX XXXX the police report numbers from the XXXX XXXX XXXX police department reportXXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. Experian has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and Experian for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am writing because you have already had this item deleted and they turn around and sold it to a new company same bill you had this deleted in XXXX XXXX my complaint number was XXXX company was XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX XXXX account number XXXX amount XXXX they turn it over to a diffrent company diffrent account number the company name is capio partners for XXXX XXXX XXXX XXXX XXXX with wrong address for me change my name from XXXX XXXX XXXX to my real name they are checking credit report are the lettler from your company and saw the right spelling of my name the amount was the same XXXX account number was diffrent the change account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: GOLDMAN SACHS BANK USA
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:
Dear Apple Card/GS Bank USA , I am writing to request the removal of a late payment from my account. My account number is XXXX and my name is XXXX XXXX. I want to start by saying that the Apple Card is my favorite credit card of them all, and I am looking forward to building a long-term relationship with your company. 

Unfortunately, I was laid off from my job which caused me to experience financial hardship. As a result, I was unable to make the payment on time. I am now in a better financial position and have a stable job that allows me to make payments on time. However, this late payment is affecting my credit score and preventing me from qualifying for a house for my family. The late payment is also preventing me from getting a home with a good interest rate. 

I am hoping to be the first person from my family to own a home, and this late payment is hindering me from achieving that goal. I understand that it was my responsibility to make the payment on time, but I hope that you can understand the circumstances that led to my inability to do so. 

I kindly request that you consider removing the late payment from my account. Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: ALLY FINANCIAL 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:
I received a refund voucher from merchant. Credit card co. has not credited my account.

Attached is letter to credit card co. and copy of refund from merchant. Charge still shows on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
Equifax, Please see attached - there is incorrect Personal Information on my Equifax credit report that needs to be corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: CITIBANK, N.A.
State: MA
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:
XXXX XXXXXXXX Best Buy  Credit Card : Last 4 digits XXXX My phone XXXX Email : XXXX Zip : XXXX Best Buy CC Dispute # XXXX I opened a dispute regarding charges on XX/XX/XXXX in the amount of {$53.00} for XXXXXXXX renewal . 
This XXXX XXXX XXXX XXXX XXXX 3-Device 1-Year Subscription was canceled on XX/XX/XXXX. Proof of cancellation attached. 
Spoke many, many times with XXXX XXXX, customer service and the billing department. 
XXXX XXXX confirmed it has been canceled on each of my dozen phone calls. 
Every time I was promised by Best Buy that I would receive a cancellation email in writing but each time they did not deliver. 
Billing department opened Case # XXXX and I was assured that the refund is coming back to my credit card. 
After my last call on XX/XX/XXXX with customer service in the credit card department, the representative requested that I fax a proof of cancellation and he created a dispute number. 
I am looking for a reversal of all charges and my credit card balance brought to XXXX. 
P.S. I did not voluntarily purchase XXXX or XXXX. It was done without my knowledge.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I contacted all three credit bureaus ( transunion, XXXX, and XXXX ) to have my personal information corrected on numerous occasions. Yet this problem has not been solved. My name, address, date of birth, and employment history are all inaccurate. I also requested that the fraud alerts on all credit bureaus be removed serval times and it hasnt. This is a major issue being as though it has an old phone number on it which jeopardizes my credit profile.

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 2019-09-19
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
An XXXX purchase for {$140.00} from a PayPal vendor was unsatisfactory ( Seller had sold me an unauthorized and ineffective DNA service kit from XXXX ) on XX/XX/2019. I requested a credit from the vendor through PayPal by filing a dispute. PayPal told me to contact XXXX instead because the original charge was made to my XXXX XXXX card. I then contacted XXXX for a credit. XXXX issued the credit onXX/XX/19.Subsequently,  PayPal issued a credit to my XXXX card on XX/XX/19. On the same day,XX/XX/19, I received an email from PayPal saying I owe them {$140.00}. XXXX XXXX appropriately issued a debit on XX/XX/19 so that there was not a duplicate credit on my XXXX. OnXX/XX/2019 I received another email from PayPal again stating I owe them {$140.00}. I owe nothing. I received the credit to offset the disputed charge, resulting in a zero balance receivable or due which was the fair resolution to this issue. However, subsequently, PayPal responded to the original complaint XXXX that they had ceased collection efforts by accessing and taking from my account the {$140.00} cash balance in the PayPal account I set up. This is an inappropriate resolution, as this resulted in PayPal taking {$140.00} to pay for the service I did not receive. The vendor has not been held accountable for a refund as should be the case and I am still owed back the {$140.00} from PayPal. The XXXX net activity resulted in {$0.00} to the credit card account, which was the appropriate outcome -- no charge due to no service received from vendor 's sale. However, the PayPal action to take cash from my PayPal account remains a net cost to me of {$140.00} for a service I did not receive. Moreover, the PayPal " resolution center '' doesn't allow a dispute, forcing me to resort to the CFPB for assistance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it may concern : Let me start by saying that I am in a uniquely advantageous position related to my student loans. I graduated from XXXX in XX/XX/XXXX and started to pay back my loans in XXXX. I was able to secure a job that provided me the ability to repay my loans at an extraordinary rate. Through the first couple of years I made minimal payments to Nelnet ( my loan servicer ). They processed these payments in a timely manner and I never had a complaint. However, once I started making much larger payments Nelnet was suddenly unable to process these payments and I kept receiving news that my payments did not go through even though they went through the month before with the exact same banking information. So, I would call and explain to their representatives that the banking information has not changed and they would politely inform me that I could retry the payment and all would be forgiven. 

Now, I can understand maybe I made a mistake with the banking information the first time and maybe even the second and third time but when the fourth time did not go through I grew very suspicious. The 1st, 2nd, and 3rd time I used their website and plugged in all the information myself. The 4th time I  contacted the representative office and gave them the information over the phone and had them repeat it back to me. Everything finally seemed as if it was going to work out. But then the following week I again received notice that the payment would not go through. 

This is when I started to do my research on Nelnet as company and found out that I am not the only one that seems to be having this issue. There are many people struggling to pay back their loans, and not because they don't have the money to pay but because Nelnet is just refusing to accept their payments. 

The most aggravating part about Nelnet is that they charge interest on the payments that they are refusing to receive. I am not a lawyer but that seems criminal to me. 

Lastly, I would like to reiterate that I am in the unique position and overall this issue has not affected me terribly. However, I think that the majority of people depend on their loan service to be consistent and ethical. Students take out tons of debt to try and better themselves and then are punished for doing so by these firms. Firms like Nelnet are taking advantage of students without consequence and they will continue to do so until they are held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX, A CELL PHONE ACCOUNT WAS OPENED ON XXXX XXXXTHIS ACCOUNT IS REPORTING ON MY EXPERIAN ACCOUNT INCORRECTLY . THIS ACCOUNT DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I send this complain to inform the XXXX credit bureau that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2023, I paid for several purchases with a debit card. The transactions seemed to have disappeared for several days after that point. On XX/XX/XXXX, I look at my account and see that I was assessed XXXX, XXXX dollar OD FEES to my account. Looking at the account, which was never in the negatives at any point during this 5 day period, all of my transactions starting with a {$3000.00} deposit were reordered to make it appear as though I was in the negatives as of XX/XX/XXXX which I was not. PNC consistently makes excuses as to why my debit card transactions disappear, this time claiming they verify purchases if they are items being shipped. Before that, they blamed the merchant saying they would do this, which is simply false. I would like PNC to refund me the approximate {$100.00} that they took from my account due to their reordering of my transactions. I am tired of hearing things about backend processes and phony claims of verification of debit charges that take days. These are fraudulent activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I submitted IDR documentation, including my XXXX tax return, to the Pennsylvania Higher Education Assistance Agency ( PHEAA ) to recertify loans in repayment status in order to remain in the same IDR plan I have been in for the past 4-5 years. The loans were being recertified in XX/XX/XXXX so I submitted this paperwork with ample time for processing. I graduated XXXX school in XX/XX/XXXX and have new federal loans that are in a grace period through XX/XX/XXXX. When I submitted documentation in XX/XX/XXXX for recertification of my active loans, this documentation was applied to the grace period loans, not the loans coming due for recertification in XXXX. I called in XXXX and was told this would be fixed. XXXX came, and the problem was not fixed. My loans entered the standard repayment plan and increased by approximately {$200.00} overnight. I paid the standard repayment amount due to avoid late status and submitted a new IDR application with the same XXXX tax return in XXXX. Today ( XX/XX/XXXX ), I received an email stating that my IDR application was 'on hold ' because it had AGAIN been applied to the loans in grace period and not the loans in active repayment that the IDR application was meant for. I called and spoke to someone who told me it is 'standard practice for loans to kick back into standard repayment before the IDR can be processed. ' Having paid on these loans for years I knew this statement was inaccurate and she could not answer my question when I asked her why my IDR application submitted in XXXX was not applied to the loans with the earliest recertification deadline, and if this was indeed Pennsylvania Higher Education Assistance Agency policy. She put me on hold and came back to tell me that she sent a request for problem to be reviewed but I would not hear anything for 7-10 business days. In the meantime, my IDR application which was originally submitted in XX/XX/XXXX, will surely not be processed in time for my XXXX payment, leaving me with a {$650.00} bill, {$200.00} higher than it would be under my chosen IDR repayment plan. It seems even the best preparation can not insulate borrowers from the mismanagement of PHEAA. Again, PHEAA has demonstrated their extreme incompetence, or, alternately, what may be predatory servicing practices in order to capitalize accrued interest at will. This is not the first time PHEAA has processed my loans incorrectly leaving me at a monetary loss and providing a monetary gain for themselves. I do not believe that these are harmless mishaps, or 'glitches ' in their processing system, but rather, purposeful, deceitful loan servicing practices that escape regulatory mandates set by Congress . I believe that PHEAA is utilizing loopholes in legislation meant to regulate their actions in order to profit off of student loan borrowers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
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: Their investigation did not fix an error on your report

Complaint:
After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. Experian failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.

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