BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: MN
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 tried to log onto my account online for over a week now to check my account and ensure that I have a payment scheduled for the due date. For this entire time the site has been down. There is a current note on the site that reads, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' Please tell me how someone is supposed to verify that a payment has been schedule. Or tell me how someone is supposed to pay when they can not access the site. 

There is an option on the site to " Pay Faster Without Signing In ''. I tied to log in via that link with my information and it did not work. 

This seems like the company is trying to make it harder for people to pay their bill in hopes that they miss a payment so they can charge late fees and interest. This needs to be resolved. There has been nothing but problems every since this new company took over this credit card and it really seems like some shady business practices. 

Fix the issues and do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: FL
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:
Community Bank website continues to be down not allowing us to access our account, make payments, or review charges. Additionally, the card is being declined every where except BJ 's stores. They phone number takes you to a recording but no answers from anyone, no representative to discuss the issue with. Yesterday, the recording indicated the service centers were closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System Correspondence XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Account on XXXX & XXXX credit reports in dispute Creditor Contact Details : IC Systems Balance Reported : {$1500.00} Most recent file identification number from XXXX XXXX XXXX Account Number from XXXX XXXX Since XX/XX/19 I have written proof of IC Systems refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to IC Systems. I also requested IC Systems contract as I know this company purchased that debt that's already been written off and was attempted collect it from me illegitimately. I have not now, nor have I ever done business with IC Systems thus no contract has ever been provided. For them to mark this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX and their roles in allowing you to furnish this information without my written consent against my continued efforts to remove them from my account. I demand that IC Systems not only remove this from my report but I also demand that IC Systems pay me what is owed to me according to the law. I have actual damages, there are {$1000.00} violations attached to each time it was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms & calls that have been presented to me over the past years in support of your wrongdoing. It all stems from the false misrepresentation of IC Systems on my consumer report. I am due justice and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for {$20000.00} and you will not have to pay attorney fees or we can add my consumer lawyer to this situation and under the FCRA you will pay him as a result. Your choice. I have dealt with this harassment for long enough. For far too long my character has been defamed by comments left by IC Systems on my report against my efforts to resolve the situation outside of FEDERAL court. I expect a settlement offer within 10 days of this notice or further legal action will be initiated. I have enclosed two pieces of evidence that prove just how long I have been fighting and the type of response and willful non-compliance I was getting from IC Systems in response to my disputes with each XXXX XXXX XXXX, credit reporting agencies. 
Regards, 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 2022-06-28
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Thursday XX/XX/XXXX I was scam by a tutor. How I met this person was through XXXX. He claims to be a tutor and offer up services including help with essays, assignment, tests etc. I contact these individual by the name XXXX. I contact about needing help to pass a test. He first charged me XXXX, but I later told him no and I give him XXXX. I trust him because He even post me his testimony and reviews he got for working with other students. After I pay He did assistance me on the but didnt follow up truthfully of the agreement. on the day of the test there was issue and I couldnt take the time in that hour. I contact him about this issue and that I need to reschedule my exam and he told me that it will be a XXXX reschedule fee to give him. I did a I scheduled that test for a different time that say. Still it was given me issues and I had to canceled the test again.The programmer was having issue with me taking the test online and wanted me to take it at a test center. I contact him about refund my money and he said no. The services were no refundable and that I was scared. Its funny to me that he said this because previous he told me that he will return me if I didnt get a A or B. The money that I transfer was through Zelle  with XXXX. I contact XXXX  to see if they can reversed the transaction and they said no because they have no recovery rights to do so. I contact Zelle and they said that there nothing that they could do even though I file a dispute to XXXX  about the transaction and XXXX  telling me the Zelle decline my dispute. I want my money back. I was scared heavily and Zelle isnt doing nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: CA
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 the following XXXX Accounts listed below, have 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. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/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 DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/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 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have not been able to get any answers from Bank of America regarding a loan modification for my home. My last trial payment was XX/XX/2020. Bank of America are liars because the supervisors and managers. I can't get an update and its hard as XXXX to get a live voice. It take 3-4 hours being on the phone just to get a live voice and no supervisors nor managers will keep their word by returning phone calls.

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 2017-09-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I sent written disputes out but also wanted to advise and request for help. There was just a tax lien added on my personal credit file stating I owe the IRS 130k which is 120 % inaccurate. I want this inaccurate information removed off of my credit file ASAP. How does the credit agencies obtain there information? Do they verify such inaccurate information with the IRS? How can the a credit reporting agency add information to a consumers credit file without validating it first? I do not owe anything to the IRS and that is CONFIRMED.

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 2022-06-28
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was reported to my Experian credit report and it do not belong to me XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance XXXX. I have files a dispute with Experian however they have not properly investigated it and contacting to report to my credit.

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 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to the company, I sent a FTC fraud report, police report and all supporting documents to have these incorrect accounts removed but it is still reflecting on my account. This company is ignoring my attempts and documents that have been sent. 

This has caused me a great amount of stress and depress. 

Incorrect / fraudulent accounts : 1.XXXX XXXX 2 XXXX XXXX XXXX  3. 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 2022-07-28
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL
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: Problem getting your free annual credit report

Complaint:
The complaint regards the NCTUE or National Consumer Telecom & Utilities Exchange. I have recently been a victim of identity theft and on my XXXX credit reports, there are many inquiries from telecommunication companies and cable companies like XXXX, XXXX XXXXXXXX and more. I need to receive my NCTUE report in order to see if a fraudulent account has been opened in my name. After calling more than 15 times I can not get my report I am entitled to. I have never received an NCTUE report ever in the past, so I have not already used my 1 per year. I have also requested a report through the mailing process with no luck and no response. 

I KNOW I am entitled to a report, and NCTUE is making it impossible for me to receive the report I am entitled to and thus affecting my ability to protect my identity, my earnings, my credit worthiness, and more. 

Thank you CFPB for keeping the consumer in mind, I believe that y'all will address this situation appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-28
Company: American First Finance, Inc.
State: MO
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 or around XX/XX/2022, I purchased a cabinet from XXXX XXXX  in XXXX, Mo. The rep offered a payment plan that would not use my credit if I paid off my balance in 90 days. The process involved verification of a bank account only. I paid off my balance in one month. Now I find that the purchase has been reported as a XXXX on my credit report lowering my credit score. I contacted both the store and American First Finance to ask that the XXXX be removed from my credit report ... XXXXthey refused. 
I feel they are actively deceiving consumers to get them to apply for credit they may or not need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 I got service done to my car by XXXX XXXX because my vehicle was overheating. After {$1000.00} worth of repairs my mechanic told me my vehicle was running great and was ready for pick up. On XX/XX/22 I went paid the mechanic for all the repairs and all the extra parts and recommendations that he made. After driving away from the mechanics XXXX min later my vehicle overheated once again and i had to be towed back to the shop. He then goes to tell me that I have a cracked head gasket and possible engine problems. Never was this said too me Prior. The mechanic supposable did all this work to my car but never fixed it at the end I had to sell the car to carbrain as a non working vehicle for parts. The mechanic wrongfully diagnosed my car charged me {$1000.00} for parts that were not needed to be changed he also did an oil change for me for a car that was not even running to milk me for more money cause he told me he had fixed the overheating issue which was not the case! I contacted Td bank to file a dispute with the mechanic and submitted all my paperwork. Td bank gave me provisional credit for {$1000.00}. A month goes by and I then see that Td bank reversed my credit and my bank was now negative. When i called the bank to find out why they reversed my claim they stated I did not give them enough information and that they tried to reach me by phone call. I submitted all the info and Td never reached out too me never received a phone call no voicemail either which they said they left. Also they never even sent me paper work in the mail about my case still waiting its been over a month. I then filed complaints multiple times and Td eventually tells me there is nothing they can do because the merchant already declined the refund. Td had all my paperwork and this was clearly fraud I even have texts that the merchant was going to compensate me but that was after i had already received my provisional credit. I would like the bank to give me back the money that they owe me and stop telling me that there is nothing they can do about it. This was clearly a scam/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my monthly statement and noticed the Escrow Account monies being held by Bank of America was twice as high. 

I spoke to someone named XXXX who explained that even though the amount needed to cover taxes and insurance is much less than what is being held in escrow that Bank of America policy is not to refund that money until next year. 

So With inflation the highest its been in XXXX years. Gas prices food and everything Bank of America is going to hold unneeded customers money until next year. There are excess funds in the escrow but customers have to wait for XXXX months????

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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
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:
The problem is with Comenity Bank ( now part of Bread XXXX XXXX XXXX Comenity is the bank that issued my Sony credit card ( a XXXX  card ). Comenitys site is down and their phone lines are off ( the recording said the company lines were closed due to unforeseen circumstances. ) This has been the case since at least XX/XX/XXXX when I first went to pay my bill online. Its now XX/XX/XXXX and my bill is due today and they are providing no way to pay it. I have an XXXX credit rating and dont want to lose that. Comenity is now saying this was a planned shutdown but I never received advanced notice and its been going on for days. Concerned Ill get a late fee / interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XXXX XXXX, I got an email about suspicions activity going around in my account. So I contacted wells fargo to dispute the transactions. The next day I saw that someone did a wire transfer without my authorization and linked a XXXX XXXX  card with my debit card which I never did. I lost about XXXX dollars and I claim to wells fargo about fraud activity going on I waited for weeks for all the claims I have submitted but I was denied and they believed that I did the transaction or someone I know did the transaction. I told them all the time that this was not me because if it was me I would not be contacting them or making my XXXX complaint under the CFPB. I never installed XXXX XXXX  or never went towards those locations and I want them to investigate the atm withdrawals that happened because if they can check who took out money they qould know because this was not me. I am furious because they have not helped me and also told me to go to the bank and talk to a banker only to tell me that they cant do anything. I have already file a police report as well to get to the bottom of this.

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 2022-06-07
Company: CREDIT ACCEPTANCE CORPORATION
State: CT
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:
Company over the phone agreed to consider this matter resolved and settled in full if I paid {$1700.00}. Incorrect information still appearing on credit report.

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