BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received communication from Comenity bank regarding unauthorized charges on my account statement. I was told I could call and speak with someone and I have called several times and have never been able to speak with anyone. 
Now they have closed down their credit card departments since they no longer offer their credit cards and I can not speak to anyone about my account nor login to review my account since no one has access. 

I made a purchase back in XXXX of XXXX for {$570.00} and was charged on my Wayfarer credit card for that amount which increased my balance. It was on a deferred interest plan, which I understood if I didn't pay that {$570.00} in full by the end of the 12-month plan, I would be charged interest. 
After reviewing my account I did see I was charged {$130.00} in XX/XX/XXXX since I hadn't paid off that whole amount by that time. This increased my balance. I completely understand that part of it. But then I was charged an additional {$360.00} for the same purchase I made in XXXX of XXXX for {$570.00}. 
And this {$360.00} also increased my balance. This means that Wayfair charged me {$570.00} for purchase and then not only charged me an additional {$130.00} in interest but in addition charged me another {$360.00} a year later. 

Wayfairer still has refused to explain to me what that additional {$360.00} is for. How is it possible that I purchase something for {$570.00} and a year later they are making me pay {$1000.00} for the same invoice? 

I need a detailed explanation of why they are making me pay double the the amount I originally owed for that specific item. 

They have made it impossible for me to speak with anyone or even look at my account now- which is completely illegal. I should have access to my account to review their " charges '' and interest. 

This company is terribly unprofessional and they lie. 

I am attaching everything you need to review this whole dispute. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: TN
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 am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CHECK INTO CASH INC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked them not to call my work twice now in writing. They have called my work 4 times within the last 5 minutes. The number they are calling from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?

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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$1400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted XXXXXXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from 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 explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

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 2016-05-04
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE

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 2016-08-31
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: Carter-Young, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please remove this debt from my credit report. It 's not mine at all. It belongs to a relative not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification on XXXX/XXXX/XXXX. It was denied on XXXX/XXXX/XXXX because OneWest said that there was no material change in circumstances, which is not true. Previously I had applied for a loan modification with OneWest. The last time was on XXXX/XXXX/XXXX. At that time my income was {$5800.00}. Now my income is {$4800.00} which constitutes a material change in circumstances. According to the Homeowner Bill of Rights, OneWest must give me 30 days to appeal the decision. OneWest is refusing to allow me to appeal and is going to move forward with the foreclosure which is set for Friday, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2020 XXXX  received a letter from me informing them to update my personal information. They have yet to do so.as this information is not deliverable or reportable per FCRA. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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  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 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 explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to 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
Consumer complaint received 2020-03-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back. I contacted not to Long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I bought a car from XXXX for around XXXX, after 2 years, i realized the car was not the car i bought on paper it was a XXXX model and the paper work was a XXXX model. After having to have the transmission replaced, and it failing again, front axles wheel bearings and other problems we called santandar to have them pick the car up on a voluntary repossession, and have n't received any paper work since then.We really need this issue resolved and removed from our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Western Mercantile located in XXXX XXXX, Oregon XX/XX/2021. The phone representative told me I have 3 unpaid accounts with XXXX XXXX Hospital. I said ok how much? She told me I owed {$1000.00}. So I gave her my debit card information and paid in full. Which the funds were immediately taken from my checking account. I asked for a receipt and detailed invoice including account numbers and a receipt for funds paid. She refused. I then asked to speak to her manager. I got the owner instead. The owner stated to me she couldn't send me a receipt because the funds need to process. Huh? It was directly taken out of my account while on the phone. I asked for a receipt on letter head. If she can just type that out and mail it to me. She refused. She told me that it was against their company policy to mail receipt and invoices. I am going to dispute payment with my bank. This business is a scam. They didn't even offer me a dispute resolution. Just took my money and refused to give me a receipt. After I told her she was practicing her collection business illegally. She said you can send me a self addressed stamped envelope. She would get it to me if she had the information. Which wouldn't be available till 10 business days. I told her you stole my money on false pretenses. Asking for a detailed receipt of payment on 3 separate accounts is not unreasonable. She refused yelled at me and hung up. This business needs to be shut down. I was litterly robbed. Just robbed and treated like junk. All I did was ask for a detailed invoice and receipt of money paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing a recent copy of my credit report, I noticed that I had an unauthorized inquiry listed by Synchrony Bank for Amazon.  Knowing that I had not applied for credit through either company, I immediately sent a letter to Synchrony Bank on XX/XX/2020 and informed them of the error. I told them that I had not interacted with either Synchrony Bank or Amazon in applying for credit and I requested that they remove the fraudulent inquiry. I received a letter back dated XX/XX/2020 in response to my request. They stated that the inquiry was a result of an application for credit. They further stated that they follow the law and it is their obligation to accurately report customers credit related information to the bureaus. Therein lies the problem : they are not following the law, and they most definitely are not accurately reporting my information to the bureaus. I specifically let them know that I did not apply for credit. I do not know who did, if in fact anybody, but I did not. They are falsely and maliciously reporting inaccurate negative information to the credit bureaus, causing me great distress. They are in violation of FCRA laws, among others.

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 2021-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX/XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX/XXXX  XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX/XXXX  XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

Company response to consumer: Closed with explanation