BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-14
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NY
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  Account 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 non-monetary relief
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
We charged to our account cabinets for our home on XX/XX/XXXX. The cabinets arrived heavily damaged and not as described. Original Charge was for XXXX. After countless emails and calls with the vendor they promised to credit us for the issue and replace the damages. We want back and forth for weeks and they never followed up on there promise that we have in writing in an email. We turned to BOA to file a dispute for an items not as described. We started our investigation with BOA and provided them all the details. We only disputed XXXX of the charge to cover the damages and the issues with the merchant. BOA at first denied our claim saying we provided the incorrect information. We called then back at once and wen over the information they requested. The rep said they made a mistake and the claim was reopen again. Fast forward 1 month and we got a denial letter again from BOA. This time they stated they needed a complete part list of the damages. We provided that to them within 24 hours. A full detailed list on what parts were damaged. They would not accept pictures to prove the damage. The claim was open again. Fast forward to XX/XX/XXXX and the claim was closed for a third time. I was on the phone for over an hour until I got transferred to a rep in Florida who handles these cases. She told me she would send me the documentation but we lost the claim with Visa and I need to take the merchant to small claims. I asked the case to be forwarded to the executive team and she also refused. On the phone she claimed there was nothing I could do and they lost. I am very disappointed with Bank of America. I feel they let me down and my claim from day one was not handled properly. Low level reps who handle these claims made incorrect decision 's. On a letter dated XX/XX/XXXX From Bank of America the letter stated the reason we lost the claim was We Didnt Receive specific Cancellation information or Documentation that was requested. They also claim we did not contact the merchant to attempt a return of the merchandise or request that it be picked up and that is a 100 % False. We requested that info several times and the Merchant denied our requests to return. We also have in writing the merchant agreeing to compensation for all the problems. We want the entire case reviewed from step one. We feel BOA handled the claim incorrectly and did not represent us in good faith to get the matter resolved, We spend thousands on this card because we thought we were protected for matters like this and BOA did nothing but let us down. Please advise on what can be done. We will attach our letters to BOA regarding this claim.

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 2020-03-30
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: Information belongs to someone else

Complaint:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.

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 2020-04-20
Company: CITIBANK, N.A.
State: DE
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 charge on XX/XX/XXXX for {$1100.00} for a vacation rental. I disputed the transaction on XX/XX/XXXX as I never received the service. I submitted all materials requested on XX/XX/XXXX via email, and received a confirmation email. 

I called in on XX/XX/XXXX to confirm all required materials were received and was assured they were, and was informed that the charge would be credited before the statement closing date. I asked if there were time limits I needed to worry about, and was told that the dispute was initiated on time but that processing can take several days. 

I called in again on XXXX XXXX as I received a systemic email from Citi disputes area, advising that I had not provided the requested documents. On that call XXXX XX/XX/XXXX ) I confirmed with the representative that all materials were received and that I did not need to provide anything else. I requested and spoke with a manager on the same call XXXX XX/XX/XXXX XXXX and spoke with XXXX ( account supervisor ). XXXX again confirmed that all materials were received, and that the charge would be credited, and that I can ignore the emails sent by Citi as they were still processing the dispute. I was assured that Citi had everything they needed and that I just needed to wait for Citi to request the funds from the merchant 's bank and apply the credit to my card. I was told by the manager XXXX XXXX XXXX that he would expedite this request and reduce the time frame from 7-10d down to 3-5 days, and that I should expect to see the credit in 3-5 business days. The manager XXXX XXXX XXXX also submitted a request that I be contacted by phone, with my callback number included. I never heard back, and on XX/XX/XXXX ( a month later ), I received a letter from Citi advising that too much time had passed and that the dispute was closed. 

I have tried calling the disputes department multiple times and am told in the IVR that the department is open from XXXX - XXXX Monday through Friday. I call during those hours, and get an automated message that the department is closed.

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 2020-03-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need Equifax to release my credit report to a mortgage broker asap. However, they refuse to either temporarily thaw the freeze I placed on my CR 11 years ago or give me a 4 digit PIN to give my lender in a timely manner. They needed a week to mail me an access code for their online service which did not work. Now they need me to fax more identification again, even though it has been less than a year since I mailed them the same ID so they could mail me a free credit report ( which I received last XXXX ). They say they need 10 business days to process this redundant info, and then I will need to call them to see if they received it to request a thaw. I called them several times today to inquire about the process. The reps I spoke with couldn't help or cut me off, and I didn't get answers to questions like how I could do this online ( for speed and security purposes ) and if there was a way to know if and when the freeze had been lifted. The last time I called I waited for 2 hours and 20 minutes before I had to hang up. That was after being on the phone with them first for 45 minutes, and then almost 2 hours when a rep said he would put me on hold to " check if he could find the ID 's I sent to them last year '' but after 15 minutes on hold the line went dead and no one called me back! 
The only reason they could give me for why I had to keep reconfirming everything on paper ( by snail mail ) despite having the same name, address, DL, SS #, verification codes, etc for more than a decade was that they didn't keep my records! This is unacceptable. It shouldn't take weeks and weeks to get my credit report to a specific lender during a financial crisis. Nor should it take multiple phone calls and hours and hours on hold trying to get answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The issues I have with Equifax and XXXX is that they failed to properly investigate an account that is on my file ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Department of ED, XXXX XXXX XXXX ). I was told by a representative that they do not have to follow the law and had no resolution to these fraudulent accounts. I asked for copies of the documents they used to verify these fraudulent accounts but to no avail. They refuse to obey the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 
1. US Bank issued a Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
The required information was provided by myself and my broker within the specified time limit. 
2. US Bank required more information / documentation XX/XX/XXXX. 
The extra required information was provided by myself and my broker within the specified time limit. 
3. US Bank issued another Loan Estimate on XX/XX/XXXX - 15 year@3.875 ( rate not locked ), contingent on customer-supplied documentation within 10 days. 
Some of the items on their list had already been supplied, however everything on the list was submitted or resubmitted by myself or my broker within time limits. 
4. US Bank issued a definitive Loan Estimate XX/XX/XXXX - 15 year@3.875 ( rate locked ). They required NO further information at that time. 
5. 0n XX/XX/XXXX, my mortgage broker notified me that US Bank was backing off on its contracted offer. 
a. He believes that the bank determined it to be high cost due to their own guaranteed rate lock. 
b. Furthermore, he received a list of several more unusual documents and forms that the bank was now demanding. 
c. He asked to file for an extension on the rate lock, but the bank refused. 
6. At this point there are some inappropriate legal issues that US Bank seems to be ignoring in the interest of profits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a a letter from Equifax dated XXXX/XXXX/15 advising me that they will not block my information at this time. I provided affidavit of fraud, police report, driver licenses, social security card, and a bill. Even with all this proof Equifax is still addressing me as XXXX XXXX XXXX and that is not legally documented anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I called Carrington Mortgage to see what is my pay off balance since my last payment would be on XX/XX/XXXX @ {$240.00} which would mean in 13 months the total would be {$3400.00} and they gave me an amount that is much more than what is should be. {$9400.00}. The company told me that I had a loan consolidation that I had taken out from the company that they purchased the loan from. I asked them to send me the paperwork but they never did. I contacted XXXX  XXXX XXXX, who sent paperwork that said I have never consolidated a loan and forwarded Carrington a copy on XX/XX/XXXX. XX/XX/XXXX is a dated letter that I received with the original loan papers and a letter of apology with a promise indicating that they would straighten it out for me and send me the correct amount. They still have not corrected my loan pay off, it's reading the same larger amount. Trying to reach them by phone is very difficult at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Conn's, 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 accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX billed my old card and I recently moved from XXXX to XXXX and they never got into with me to let me know that my final bill was in collections. Now I 'm recently in the middle of a mortgage loan and they advise me that XXXX was on my credit report so I called and paid the final bill, they will not remove it from my credit and I owe them nothing now. I also requested a XXXX balance letter and I have not received it yet. This is a big issue and they will not resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: OK
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX 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 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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/XXXX I made a deposit of {$500.00} to XXXX XXXX XXXX for a cruise that I was to take this summer. This deposit was made via a travel agent, XXXX XXXX and it was made with a XXXX XXXX. In XXXX of this year, XXXX. I reached out to the travel agent to cancel that cruise, the agent submitted a request to have the refund processed and that refund was processed on XX/XX/XXXX by XXXX XXXX in XXXX transactions of {$250.00} each to the original form of payment. In the following days, I monitored my credit card to check for the refund which never hit the account. After review on my end I realized that the XXXX XXXX  XXXX  originally used to make the deposit in XXXX of XXXX changed from XXXX XXXX  to Capital One Bank in XX/XX/XXXX and I was issued a new card with a new account number. When I contacted my credit card, now issued by Capital One Bank, they have no record of the refund. I then contacted the original bank that issued the visa, Comenity and they have no record of the old account at all which I can't understand. I spent over XXXX hours speaking with different reps, supervisors, etc to no success. The travel agent also escalated the issue to XXXX XXXX XXXX Research dept who confirmed the refund was accepted by the credit card and provided XXXX reference numbers for each of the {$250.00} refund. At this point, I don't know who else to call and no one can give me definitive answers as to the {$500.00} refund. I don't understand how the XXXX issued to me, even upon changing banks can not help or somehow connect the accounts. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: KS
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:
In accordance with the Fair Credit Reporting Act this creditor XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ( a ) creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Creditor did not provide options to opt-out of reporting.

Obvious violations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2020 someone accessed my account without my knowledge and attempted to send themselves money through XXXX with the name XXXX XXXX. On Sunday XX/XX/2020 I called USAA and informed them, they told me that my account had been compromised and that they fixed it. Later that day my account was once again compromised and a deposit of {$2000.00} was made. The person was named XXXX XXXX, they sent themselves {$330.00} through XXXX once more. The moment I realized someone was in my account I called USAA in tears. The created a fraud claim and told me to call back on Monday XX/XX/2020 at XXXX my time for an update. I called today Monday XX/XX/2020 and was informed that the fraud department found that it wasnt fraud. I was then told to create a dispute because the person on the line didnt understand how it wasnt fraud. I was then on the phone with USAA for an hour and a half being transferred by multiple people just to be told that they will open yet another fraud claim as well as a dispute. Before this my account had {$140.00} my account now has - {$190.00} that I can not afford due to being laid off cause of COVID-19. They told me it would take YET ANOTHER 1-2 business days to figure out what has been happening. USAA has been no help throughout this and has put me through more emotional damage and trouble than the initial experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: U.S. BANCORP
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I just got a letter stating that First Merchant Bank Cardmember Service has closed out my account without my permission or without notifying me first by phone. When I called them as soon as I got the letter I found out they called the wrong phone number. 

I have attached the letter I have received.

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