BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XXXX we received a letter from XXXX XXXXXXXX XXXX informing us ( not asking ) that they were discontinuing their affiliation with XXXX XXXX XXXX card and " sending " our XXXX XXXX card to a new bank. Comenity Bank. The new card form Comenity was promised to arrive by XX/XX/XXXX because the XXXX XXXX XXXXXXXX card would no longer work as of XX/XX/XXXX. It did not arrive by either date NOR by XX/XX/XXXX when I returned home having been away without either card. Not only that but we no longer have ANY access to the account we had with XXXX XXXX XXXX including statements, history or other. The running balance we had was to be transferred to the new card and we would pay that bill when it arrived. On XX/XX/XXXX I called since the card was not here now 5 days past promised date and was told they would send it by mail 7-10 days. That could well put it past my due date for payment since I will have a balance SO I demanded it be sent by XXXX or XXXX  for faster service since they left me with NO card. I was told I would have it in 24-48 hours. I have also used the chat feature on their website with no success since they want an account number. It is now XX/XX/XXXX NO CARD! I can not create an account to pay my bill and cancel the card because I HAVE NO CARD! We are worried about your good credit history and how this will ruin it. We're also worried about fraudulent activity, missing payments and being stuck without access to credit and this account. 

And where pray tell is the FIRST card they say they sent. ... lost in the mail with the ability for someone else to use it? Did they not send it?. I can't even check to see if there is fraud because again I HAVE NO CARD or account number. In my call of XX/XX/XXXX I asked for an account number so I could create an account and was told they could not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled my credit report with XXXX and XXXX and saw that reported me as a collection account. I immediately disputed this information with XXXX and XXXX. I unaware of this collection account and paid XXXX directly. I have written letters to DCI on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. They responded by updating the pay date to the date that I paid XXXX. I have asked for verification of this debt and the disclosures sent to me under FCRA but to no avail - I have received no response. They are in violation of the FCRA because they will not verify this debt or provide proof of disclosures. 

I have requested an investigation by DCI but to no avail - they have not answered me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I AM AWAITING A RESPONSE FROM ALL XXXX CREDIT BUREAUS. I have contacted Herbert P Sears Co at XXXX XXXX XXXX XXXX CA XXXX the collection agency for the Original Creditor : XXXX at XXXX XXXX XXXX XXXX XXXX, California XXXX, both by Certified Mailing on XXXX XXXX, XXXX regarding account # XXXX. 
HP Sears, to this date, has failed to submit a response to me. 
This account is not mine. I had FULL Benefits Medi-cal at the time I and my family ever had service done with XXXX XXXX and since XXXX when HP Sears have said these debts were incurred, I had XXXX. These are not my debts and HP Sears refuses to show me proof that these debts are mine. I know this is a common practice for HP Sears via XXXX to ignore any and all " Dispute Letters '' from any and all consumers, as I have come across many consumers with the same false reporting tactics that HP Sears has filed with all XXXX reporting agencies. I also am aware that this is a common practice for this company to not comply with FTC, FDCPA and FCRA. These companies just do NOT care. 
Please see the letter attached to HP Sears. I kindly requested proof of payment showing late payments, how it was made ( form of payment ) and when it was paid on. HP Sears never wrote me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: M&T BANK CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
TRANSACTIONS, NONE. I did this XX/XX/XXXX after M & T bank beat me for {$80.00} on a technicality. Despite having definitively placing my account in a no overdraft protection status. M & T has once again paid something on my account and are attempting to justify charging me nsf fees for the overdraft by claiming this as a recurring payment versus a one time payment. Which it is n't and never has been. I pay this manually based on the months that I want the service, if you notice on the account for this vendor, it 's paid on different dates of the months that I use the service. When I placed my account in a status of declining overdraft protection, M & T bank did n't tell me I needed to specify transaction types in which I wanted no overdraft protection. No overdraft means no overdraft, does n't matter the type of transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: IN
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, 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 2022-05-17
Company: Experian Information Solutions Inc.
State: PA
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:
I have brought it to the attention of Experian that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Experian has ignored my previous request to update my utilization to 0 % and 0 balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.

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 2015-06-03
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I transferred money using Moneygram on XXXX XXXX using debit card to send it to an XXXX bank ( debit card to bank account is Moneygram 's fastest transfer apparently ). My money was deducted but it wasnt delivered. On XXXX XXXX, i called them ( Please Note : I CALLED THEM ) and since then I have been struggling to get the refund from them. Their rep actually told me that she doesnt know why the money didnt go through and that the " system doesnt show ''. Then she forwarded my call to a dept which kept dropping my calls. After XXXX calls, finally I could connect and i was told point blank that the transaction must be cancelled ( ps : nobody still knows the reason but they were generously guessing ). Not for once they tried to set things right by actually trying to complete the remit. I was forced to cancel the transaction out of no options and since then they have been saying XXXX days return policy. By my calculation today is XXXX day ( or XXXX business day ). By their calculation it is XXXX business day post cancellation ( they actually debated with me on the business day count!!! ). I have n't received my refund. Till now I have called them atleast XXXX times and emailed them XXXX times. If I push them hard for the refund, I can sense rudeness in their tone and they predictably drop the call midway. 
Bottom-line, they have successfully held-back my money for 17 days ( and continuing ) despite my repeated requests. The family urgency which prompted me to send money to begin with couldnt be helped by me. 
I have used many remit services over years and this is the only company which actually collected SSN number by making it sound like a government requirement. I am extremely angry for giving it to them. A quick XXXX search yielded exactly similar stories which is even more worrying. Somebody should actually look into this company. The only reason I went with them was becoz I saw this name in XXXX and I assumed it might not be a scam company afterall. 
I complained to XXXX and MoneyGram hasnt responded to XXXX 's first notice. Second notice was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My son found a car on XXXX and contacted a lady by the name of XXXX XXXX and we were sent pictures of car. We then contacted her again and decided to buy the car. She is in the service and we informed that the military would be sending the car to us because she was going XXXX again. The money was transferred to an XXXX agent in Tennessee and once the money was received we contacted them again. We have not heard from them since nor will they return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found incorrect info on my credit reports and been trying to get it corrected for along time, but its still there. Please help

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 2022-10-08
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: Information is missing that should be on the report

Complaint:
Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX  card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. 

I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History.

I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!

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 2020-08-07
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reached out to Experian Credit Bureau by mail and by phone. Explaining to them that this account on my credit report are inaccurate. Such as follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, and 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 2016-11-24
Company: Apex Resolution Group LLC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Apex resolutions out of XXXX NY, called me for the first time on a rotor dial call, said they were seeking out employment verification and would pursue collections on my bank accounts. Have it all recorded.No fdcpa required announcement of a debt collector or identification of the company calling. Just threats on the very first call

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

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 2022-05-17
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do not have my debit card as I have never used it and my account online does not display the full account number. I called at XXXX XXXX  and someone named XXXX was rude and snickered at me when I asked for help. He told me he does not have to help me, does not have to identify himself and was the rudest most unprofessional customer service agent o have ever encountered in my LIFE. He is obviously going nowhere fast but thats not my problem. He refused to give me information to anyone o could complain to or help me with my account because I cant verify but how can I verify if Ive never used my account debit card and only used online banking with blacked our information? I went my call listened to by a manager or supervisor. I have the end of it recorded and will be releasing it on social media in 2 weeks if I do not hear from someone. I have a XXXX XXXX XXXX XXXX so you had better believe it will get shares, clicks, and lots of visibility.

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 2015-07-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone else 's address, misspelled my old address and someone else apply for cell phone account. This cause my hard inquiries to increase, need to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: SYNCHRONY FINANCIAL
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:
Creditors reporting I am deceased and old accounts still showing on my credit report. I would call the credit bureau to resolve the issue. They would say they would but when I would apply for credit I would get denied than later receive a letter stating I am deceased. I now have many inquiries that are affecting my credit score even more. This issue is preventing me from establishing good 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 2022-05-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries on my credit report are unauthorized 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 XX/XX/2021 These inquiries are unauthorized XXXX have written consent with my signature

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 2017-01-20
Company: Diversified Consultants, Inc.
State: AZ
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:
XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One XXXX  Credit card is charging me interest where I paid the balance in full. My payment day is on XXXX of each month. I paid my balance in full ( $ XXXX {$66.00} ) = {$2200.00} on XX/XX/2022. For convenience I'm attaching screenshot and bills from the month of XXXX and XXXX. I payed in full so that I will not get interest charged. 
The problem started on XX/XX/2022, when I use this card to buy a {$2200.00} airline ticket. Capital one billing cycle ends on XXXX of each month, I should not be seeing any interest on XX/XX/XXXX billing. Capital One charged interest on that month. I felt I was dodged. I have not paid the balance in full that month thought since I am paying interest I will pay in full on the next billing cycle. So, when I paid in full on XX/XX/XXXX, Capital One assessed interest. 
I called Capital One customer care but it is a shame that they outsourced the costumer care. The representative could not help me and stated the interest charge is right. I asked where the call center is located, and the representative said it is in XXXX. 
It is always a bad experience for me with Capital One. My other cards shows my credit score at least XXXX higher than capital one is showing. About an year ago I used to get frequent vehicle financing offer from Capital One. Their rate was 16-23 % APR. Which is unacceptable. I never accepted the offer. Also I have got financed from another credit company for much much less APR. Since all Credit info can be shared by Credit institutions, I guess I made Capital one angry. Which I feel they are showing in their monthly bill. Please help. Very Respectfully -XXXX  XXXX

Company response to consumer: Closed with monetary relief