BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I need to pay my credit card but Comenity banks website is down so I can't login or pay off my card. They shut down their phone lines/ services so when you try to call, there's no one there. The website has been down since XX/XX/XXXX. I'm worried that by not being able to login and pay that my bill will go up and my credit score will go down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this company is reporting to the credit bureaus as a colletion account as XX/XX/2022. this is the result of identity theft. i have disputed this account several times have requested validation to no prevail.this company has caused severe damages to my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting 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 disputed an account # XXXX WELLS FARGO BANK on XXXX XX/XX/XXXX  ( Report Number : XXXX ) I told the credit bureaus to " investigate every piece of information '' on the account I have disputed. 

According to the FRCA The term " investigate consumer report '' means a consumer report or a portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible when they did not provide me with contract details. Upon request they failed to provide me the original verified contract between me and wells Fargo, They failed to provide me details about accuracy in the report and continue to report inaccurate information on my credit report which is seriously hurting me. 
If they failed to investigate and failed to provide me with details about the account which I do not believe is mine, how can they blatantly violate FRCA 15 USC 1681 failure to provide information, failure to provide documentation and they are not reporting accurate information on my credit report, when according to the FRCA everything must be 100 % accurate.

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: WELLS FARGO & COMPANY
State: NV
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:
XX/XX/XXXX, {$1000.00}, withdrawal from my checking account, my bank is refusing to refund my money ... fraudulent company ( moving processing company ) i did not authorize this transaction with a scam company, my move date was XX/XX/XXXX, window time XXXX final destination XXXX XXXX, I have several numbers, several names an now the numbers are spam or do not work, I have filed many claims or complaints with the bank, police department, XXXX, Ftc, occ , also called that moving company back, another number another person not willing to cooperate with this situation.. all to be said I have lost everything I had, my belongings, my money... Please help 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank website and customer service not a available for a week. Unable to retrieve account info or make a payment that is now past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: AMERICAN HONDA FINANCE CORP
State: IL
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:
I was checking my credit reports with XXXX and notices my Honda Financial account is NOT on my report again!!!!! This happened last year one time and I had to contact Honda and your office and the credit reporting agencies to fix it!!! They claimed at that time that Honda had been hacked or something!! I need my car payments reported, as I don't have that many loans!!! I have had the loan for XXXX almost XXXX years and need it showing on my reports, all three of them!! The report I am viewing is XXXX so it is not on that one and they need to also make sure it is showing correctly on my XXXX and XXXX reports!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were recently consolidated as XXXXXXXX XXXX and placed under the XXXX repayment plan. Even though everything had already processed and was set up to auto pay on XX/XX/23, MOHELA came along after the fact and placed my account on administrative forbearance, making interest begin to accrue at the higher rate than I had been receiving due to auto pay sign up ( plus, with my XXXX plan, with regular payments I shouldn't be paying interest at all ). I called and spoke to a representative, who assured me the forbearance would be removed. I have since received ANOTHER notice that MOHELA placed my account on ANOTHER administrative forbearance, extending it even further. I sent a message on XX/XX/23 via their online system ( they were closed for veterans day ). I also called on XX/XX/23. The representative assured me that the forbearance would be removed and I would not be responsible for the interest. She assured me I would receive a letter stating that information. To date, I have not received anything and my account remains in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Rent Recovery Solutions
State: GA
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 XXXXXXXX XXXX XXXX XXXX XXXX  Account # # # # # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2023-07-24
Company: CITIBANK, N.A.
State: ID
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:
On XXXX statement, there were charges of {$39.00} and {$4.00} that I had not made, from an entity with which I was unfamiliar. I called the credit card company and was told to call the charging entity. I did and the credits were made in the amount of {$39.00} and {$4.00}. My XXXX statement included another charge for {$39.00} from the same entity. Again, I called the credit card company whose representative closed my account, issued a new new account and assured me the charge would be credited which it was on the XXXX statement. The XXXX statement, however, showed a reversal of the credit, resulting in a charge of {$39.00}. Since then I have made XXXX telephone calls and been assured that the charge would be eliminated which has not happened. I have also sent two letters. Each month finance and late charges are added. Since XX/XX/XXXX, I have received XXXX telephones calls from the company, XXXX on one phone and XXXX on another.

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 2022-11-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted trans union about an incorrect item for child support from the state of Louisiana thats on my credit report because O dont have a child support case in Louisiana . I have two in Texas but the left it on my report showing 155 months plus of missed payments. When my payments are deducted from my paycheck weekly by my employer.I contacted them in XXXX of 2021 and I had no results. I contacted XXXX also and they removed the account 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Law firm XXXX XXXX based out of Texas contacted me on XXXX. Stating that a civil lawsuit will be filed regarding US Bank that was opened in XXXX and closed XXXX. The original amount of the over draft if I remember that far back was {$40.00}. The agent said US Bank is seeking {$3500.00}. The debt is XXXX old. I never made payment on it. The collection agency must have fraudulently made payments as if I was personally making payments to keep debt open over statue limits. I have not been in contact with US Bank or their representatives since XXXX. The debt is old. The over draft amount was {$40.00} and they want {$3500.00}. I went to XXXX municipal court and seen no filings with US Bank. This lawfirm said they sent a courier out to my house. The debt is almost XXXX old because I did not have the bank account opened from XXXX. I believe it was closed the same year of 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 2021-08-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
As stated in my previous complaint, I have disputed a Chapter XXXX bankruptcy reporting on my Experian credit report as well as all of the accounts that were included in that bankruptcy on XXXX and XX/XX/XXXX and now also XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX due to the fact there are multiple inaccuracies and discrepancies being reported which is having a devastating effect on my credit scores and financial well-being. And each time I have disputed this information, Experian has CLAIMED the Chapter XXXX bankruptcy has been verified by XXXX and that the bankruptcy and accounts included in the alleged bankruptcy belong to me AND are reporting 100 % accurately. However, the information that is being reported to each credit bureau is completely different such as the file date and discharge date and no assets or liabilities are reported which is definitely an inaccuracy. And the accounts that were allegedly included in this erroneous bankruptcy are all reporting differently across the credit bureaus. Information such as open date, date of last activity, date of last payment, date of first deficiency, high balance, etc are completely different. Yet, Experian has CHOSEN to continue reporting this information on my file. My confusion is how is Experian in compliance with what is required by The Fair Credit Reporting Act regarding truthfulness and accuracy of ALL information being reported on my credit report, if they have been given ample evidence to the contrary, yet are still reporting this erroneous information? Furthermore, I have provided them with proof that XXXX ( who they claim verifies their bankruptcy reportings ) has no record at all of any bankruptcy listing under my name and social security number ( which I have attached to my complaint ). As you can see under Section 9 of the report, there are NO bankruptcy listing being reported. I disputed this inaccurate information with XXXX and they entirely removed it from my file. Yet, Experian has chosen to continue reporting this inaccurate information further damaging my credit worthiness.

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 2022-11-30
Company: Professional Debt Mediation, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that a collection was sent to my credit report, when I checked my report I saw a collection for Professional Debt Mediation for {$3200.00} from XXXX XXXX XXXX I immediately contacted the apartments to find out about the debt because I once leaves there but moved in XXXX of XXXX I was told that they were under new ownership and that they didn't have any files that far back.. They gave me the old owners information and I made contact with them and was told that they didn't have any paperwork from the apartments because it was turned over to the new owners.. Of course no one could tell me anything.. I called XXXX XXXX to do a follow up dispute still no resolution... I moved into XXXX XXXX XXXX in XXXX of XXXX on a XXXX program through XXXX XXXX XXXX XXXX XXXX 's Section XXXX Program, in XXXX of XXXX there was an incident that happened in which I decided to move out but not before contacting the office and the Section XXXX XXXX XXXX rent was already paid, I had not signed a new lease yet.. Everything was moved out and apartment cleaned before the end of the XXXX In XXXX I received a letter to my forwarded address stating that I owed the apartments {$24.00} for the use of their utilities so I called and in informed them that it was impossible because I forgot to get my own utilities turned off and they weren't off in my name until XX/XX/XXXX and I followed it up with a letter from the utility company and was told to disregard the letter after they received the fax.. The program I was on was a federal program and in order to move you have to have clear balances, no damages, etc or you will lose the assistance.. I make contact with the Section XXXX office today to see if there was anything that they were aware of and just as I already knew the apartments gave me a full clearance, a XXXX balance, etc so being that they were the ones that paid the majority of the rental payments why were they not notified and why would they give me a letter of clearance to move somewhere else.. I am no longer on the program because I gave it up to move back home to care for my ill mother but had I not given it up I would still be able to participate in the program.. I haven't been able to even see what it is that they say I owe from them or Professional Debt Mediation because they are trying to get me to pay for it.. Please contact the XXXX and they can back me on this because this is not my debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Financial Rescue, LLC
State: CA
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program, the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program, we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this, I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this, my husband and I ended up going into bankruptcy so that we can eliminate the debts due to our hardship. It is so unfair that this companies target clients who are in severe hardship and take advantage of them to enrich themselves. Please help us get our money 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 2023-10-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-12
Company: Continental Finance Company, LLC
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The card expired in XXXX of XXXX. I paid the account off on XX/XX/XXXX. I have not applied for another card. The account is closed, however I'm being charged an annual fee of XXXX due on 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 explanation
Consumer complaint received 2022-06-28
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 XXXX XXXX XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c 1681 section 604a section 2 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