BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX, I was charged a returned payment fee of {$30.00} on XX/XX/XXXX even though autopayment had been set up in its system. 
XXXX, They later explained that they denied the autopayment because they do not accept autopayment from a savings account even though they never informed me during any of the steps of autopayment setup. 
XXXX, The autopayment pay-from account was a Bread XXXX/ Comenity account, " a different department '' within the same institution, as their CS representative put it. 
XXXX, There was never any way for me to find out the payment would not be made on time. 
XXXX, They never informed me of the returned payment and the only way I found it out was through my water company whose payment they denied. 
XXXX, On XX/XX/XXXX, when I found out the scheduled payment was not made, I immediately called them and set up autopayment again with a checking account, which I now knew they required, and paid off the entire balance, including the returned payment fee, and including balance not yet due, as they demanded. 
XXXX, On that same phone call, they informed me they filed an escalation to get my returned payment fee back. 
XXXX, I made XXXX phone calls on XX/XX/XXXX to find out what happened to the escalation filed and to explain in detail why I should not be held responsible of the returned payment. 
XXXX, Neither of the representatives would answer any questions about the escalation filing ; they just repeated that the returned payment fee of {$30.00} would not be reimbursed. 
XXXX, On the XX/XX/XXXX phone call, I was also informed that my account would be frozen for 15 days after the entire account balance is paid off. 
XXXX, The payment finally went through on XX/XX/XXXX even though it was paid on XX/XX/XXXX and debited from the pay-from account on XX/XX/XXXX. 
XXXX, Yet, XXXX  days after the payment went through, a representative had to manually unfroze the account after a phone call from me. 
XXXX, I opened this credit account after their aggressive mailed solicitations. 
XXXX, It is a new company and their system is understandably full of problems and errors. But the real problem is that they do not take any responsibility for the defaults of their system and steadfastly refuse to do right by their wronged customers and make them whole. 
XXXX, I just want to get my money back. 
XXXX, After being stonewalled, I told them that I shall be forced to seek help from CFPB, and they coolly and immediately told me : " Go ahead! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through XXXX XXXX XXXX. XXXX XXXX did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.

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 2023-08-16
Company: EQUIFAX, INC.
State: WA
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've been in the process of educating and correcting my credit scores as required by the banks for my new LLC 's business line of credit and loans. Upon deeper investigation with Equifax, I've encountered XXXX unauthorized and/or fraudulent hard inquiries. 

They are : XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-16
Company: ProCollect, Inc.
State: IA
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:
Pro Collect on 3 occasions, within the 30day dispute timeframe, has refused to provide verification of a debt they claim is owed. When the debt was disputed I was advised it was a refusal to pay and that it would be reported to all 3credit bureaus and would indefinitely and significantly impact my credit if not paid in full immediately. When I spoke to a supervisor I was also advised account would be marked as a refusal to pay and it would be updated to all 3credit bureausAnd they do not need to provide verification of this debt and even if it is disputed they will continue to call and collect.

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 2020-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a collection with XXXX  XXXX ( Account number XXXX ) in the amount of {$930.00} for XXXX XXXX XXXX. I provided the proper notice at the end of my lease and had the apartment professionally cleaned. 

Since XX/XX/XXXX, I have been trying to get XXXX  to provide a breakdown of what XXXX claims I owe. They have not provided it. The FCRA provides that a consumer may contact the data provider about a dispute ... that data provider must adhere to the same 30 day time frame for responding or delete the item that the bureaus must adhere to. ( Section 623 FCRA ).

I demand that this item be removed from my file due to a clear violation of both Innovative AND this credit bureau with regard to following the FCRA guidelines.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As of Today XXXX XXXX XXXX XXXX your company needs to delete these accounts below and if your company does not delete these accounts within 3 business days, I will seek legal action for up to {$3000.00}. Your company is committing aggravated identity theft, violating the metro 2 compliance and FCRA. 

Delete these accounts below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have taken action since XXXX, when the total loss happened. The XXXX  XXXX  was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2010 I contacted AES to payoff my student loan and was told by the AES representative that settlement payoff amount was {$6100.00}. I paid that amount and after two years I started receiving monthly statements again from AES and contacted them. The AES agent told me they would review and that I was all set. Another few years passed and once again I started receiving the statements and again I contacted AES. I spoke to this particular agent multiple times with her also telling me the account was paid off. Today again I'm getting statements and now late fees for a remaining balance of {$1600.00} that has since increased to {$2200.00} over the 5 months waiting for action from AES. It was my understanding and still is that this account was paid off in 2010. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account. 

In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder. 

I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ). 

I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money. 

I have all of the details of the incident, a police report, and a subpoena. 

Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had two separate but similar issues with Navient that have resulted in them capitalizing interest on my account and it I worry that these issues appear systematic and designed. 
I am on an IBR plan and have been for the last 8 years. On this plan I have to submit two documents, my taxes and a IBR application, annually to keep my payment plan. In 2016, I submitted both of these documents and was notified shortly after my the expiration of my current loan period that the IBR application I had sent in was the previous years version ( although when I sent it, it was current ). I was informed that my correction was days late and I was left with capitalization. 
This happened again today. I sent in all my annual paper months ago. When I went to make a payment today I noticed my interested had capitalized yesterday. I called and they informed me that the upload of my document was missing a page. I explained that this error was on their end as my file is complete. I informed them that I could upload the file again today. They replied they the capitalized interest will not be changed. 
Both of these document issues resulted in approx {$40000.00} of capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, 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:
Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've disputed this XXXX account several times. This account was not investigated by Transunion, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This XXXX account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from XXXX. I never received any proof and information that was requested that it was in fact ever investigated.

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 2020-06-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called today ( XX/XX/2020 ) to talk to an Equifax representative and informed him that I can not access my account. When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: OH
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 and XXXX  have removed this account due to inaccurate and incomplete information reported with the 3 agencies, which is a violation, but Experian still has refused to remove the account. Please remove remove/delete : 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 2017-09-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
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. 
Experian and XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00}

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