BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-03
Company: Bread Financial Holdings, Inc.
State: MD
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:
My XXXX XXXX credit card statement was mailed on XX/XX/2022, and received at my home on XX/XX/2022. The statement indicated a balance within my authorized limit which I desire to completely pay off to avoid interest charges. The due date to make the payment is XX/XX/2022. I usually conduct a telephonic transaction to pay the credit card bill by authorizing a direct debit from my bank account. I have done this successfully for over the past twelve months with no complications. I have been trying to make the payment telephonically for the past week, but the payment was not processed successfully. The recording stated that a problem prevented the process from be performed and that I would be transferred to a customer service representative for an additional {$9.00} fee, but anothers recording stated no customer service personnel were available and I should call back later. I have also tried to contact Commenity Bank directly, but he a separate recording repeats the statement to call back later, then immediately disconnects. I am concerned that the Commenity Bank is preventing payments from being processed to impose higher credit fees or to force customers to use a customer service representative which requires an additional {$9.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: OH
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 ordered a copy of my report XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$15000.00}

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 2022-06-08
Company: Experian Information Solutions Inc.
State: IL
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:
Unknown Inquires on my credit report that I did not make or give permission for. 


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 2022-12-03
Company: Maximus Education, LLC dba Aidvantage
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:
AidVantage XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} AidVantage acquired my student loans from XXXX XXXXXXXX XXXX on XXXX XXXX, and reported 6 late payment for each loan in XXXX. XXXX XXXXXXXX XXXX never reported any late payments nor was I ever late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: MI
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:
MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. SOME INQUIRIES ARE FROM CREDITORS I ALREADY HAVE CREDIT WITH, AS AN ATTEMPT TO HAVE THE CARDS MAILED TO A DIFFRENT ADDRESS. ( THESE INQUIRIES ARE REPORTING ON MY CREDIT PROFILE FROM ATTEMPTED FRAUD TO GET CARS, AND GOODS IN MY NAME ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX OF XXXX XX/XX/XXXX ) ( XXXX XXXX NA ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX XXXX ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/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 2022-07-03
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI , INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending collection notices in the amount of {$280.00}. The collection has been reported as pasted due balance. i do not know this company. i have never done any business with this company. this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair credit reporting Act, National Credit Adjusters, ( Account number XXXX ), XXXX XXXX XXXX, ( Account number XXXX ), XXXX XXXXXXXX XXXX XXXX  ( Account number XXXX ), XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX  XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX XXXX XXXX Account number XXXX ), XXXX XXXX XXXX ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), XXXX, ( Account number XXXX ), Has violated my rights. 

15 usc 1681 section 602 ( A ). States I have the right to privacy. 

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an 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 2022-07-03
Company: EQUIFAX, INC.
State: GA
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:
CFPB complaints on complaint numbers ; XXXX XXXX EQUIFAX-XXXX These XXXX Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
CFPB complaints on complaint numbers ; XXXX XXXX XXXX These 3 Credit Reporting Agencies are are now in violation of 15 U.S. Code 1681c-2 - Block of information resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 days after the receipt by such agency of- Companies says that they never recieved a FTC report when a copy is obviously attached to and submitted to the complaints.

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 2022-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/XXXX I redeemed my miles for cards for a total of {$570.00} based on Capital One venture rewards program. On approximately XX/XX/XXXX I closed my account. I never received my gift cards in the mail. Capital one rep confirmed they were undeliverable and they would submit a case to have them reissued. I never heard back, after calling back the following month XXXX, a capital one representative tried to issue me a check for my rewards for {$160.00} acting as if that would resolve the issue. When the purpose of my call was to get the status of the reissue of my gift cards. She acted surprised and escalated the case. I finally heard back from capital one in regards to my issue, they now want to issue me {$180.00} cash rewards in lieu of the gift cards which totaled {$570.00}. These practices are deceiving. I redeemed my gift cards prior to closing the account. Its not rocket science to be able to reissue what was done at the time of redemption. Capital one rewards program is a complete scam. The customer service act like they dont know what they are doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-03
Company: Winklevoss Exchange LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Gemini restricted my account so I reached out to support via email and they asked me to upload a picture of my Id which I used to verify my Gemini account and also a selfie to verify my identity which I did and I was told my case was being escalated. It has been a week now and my account is still restricted. Ive reached out numerous amount of time to get this fixed and Ive yet to receive a response form Gemini, this is very inconvenient I have thousands of dollars in my account not able to access it is cause financially costing me a lot. This has cause me XXXX cause I can even barely sleep at night knowing I can not do anything with my account knowing it has been restricted by Gemini and they wouldnt help out or let me know any updates. Ticket ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Paypal Holdings, Inc
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: Card was charged for something you did not purchase with the card

Complaint:
Went on PayPal account to find a fraudulent charge ( {$690.00} request by XXXX ). A number on the site was provided to call. When I called this number, ( XXXX - XXXX XXXX ) Unfortunately I gave my SSN and gave the guy access to my computer desktop. He told me to let a {$2000.00} for a gift card go through with my XXXX  account. Through my computer desktop he accessed my email, my PayPal account and my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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 XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-08
Company: DISCOVER BANK
State: OR
Product: Credit 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:
Subject : Formal Complaint Against XXXX ( The Knot ) for Deceptive Practices and Breach of Contract To Whom It May Concern at the XXXX XXXX XXXX XXXX, I am writing to lodge a formal complaint against XXXX, also operating under the name " The Knot, '' for their fraudulent business practices, breach of contract, and lack of redress for affected consumers. I urge you to investigate this business, as I believe their actions not only violate consumer rights but XXXX also be indicative of a larger pattern of deceptive practices, warranting regulatory action. 

Deceptive XXXX XXXX and XXXX : I entered into a contract with XXXX based on explicit promises, which included obtaining an average of XXXX legitimate clients per month and support from an account XXXX. These commitments proved to be entirely false, leaving me in a precarious financial situation. 

Failure to Deliver Promised Services : The only leads XXXX provided were fraudulent or scam-oriented, effectively negating the supposed benefit of their service. This can be seen as a blatant breach of contract and potentially a violation of the Uniform Commercial Code ( UCC ) related to the implied warranty of merchantability. 

Lack of Customer Support and Transparency : My designated account XXXX vanished without notification. I was later informed that she had left the company, yet XXXX did nothing to reallocate resources or support, leaving my account unattended. 

Widespread Consumer Complaints : I have attached letters from the Better Business Bureau that indicate I am not the only victim of XXXX 's fraudulent practices. There appears to be a systemic issue wherein the company locks customers into contracts they have no intention or capacity to fulfill, further supporting my claim that their business practices are deceptive by nature. 

Unresponsiveness to Redress : Multiple attempts to contact XXXX and resolve these issues proved futile. This unresponsiveness reveals a clear absence of a redress mechanism, reinforcing their breach of good faith and fair dealing under contract law. 

I request that the XXXX XXXX XXXX XXXX : Conduct a thorough investigation into XXXX business practices. 
Hold them accountable for the fraudulent activities and breaches of contract. 
Consider levying fines or sanctions as appropriate. 
Alert potential consumers to these deceptive practices. 
Thank you for your prompt attention to this matter. I am available to provide any additional documentation or testimony as needed to support this investigation. Given the severe impact this situation has had on me and apparently many others, I am eager to see substantive action taken. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just August 30 days behind and not paid in full, until XXXX? 

Then in XX/XX/XXXX again it shows Target, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both Target who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not Target. I have sent in a Dispute every month ever since. 

I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at Target prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. 

Any investigation you can do I would be grateful. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: LA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00}

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 2022-07-29
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is fixed. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}

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 non-monetary relief
Consumer complaint received 2022-12-03
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Call Aidvantage on XXXX XXXXXXXX XXXX to request refund on student loan payments. Request was submitted. Advised could take up to XXXX weeks for money to be refunded. Called back in XXXX and XXXX to check status. Advised still processing. Called back XX/XX/XXXX and was told Aidvantage had finished processing on XX/XX/XXXX and forwarded it Federal Student Aid which then has to be sent to the Treasury. Advised it would take up to another 8 to 12 weeks and refund would be mailed not direct deposit. Which means I have to wait approximately 6 months for my money to be refunded.

Company response to consumer: Closed with explanation