BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: BANKMOBILE TECHNOLOGIES, INC
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Customers Bank, Member FDIC, the bank behind the XXXX XXXX product placed undue hardship on heirs to bank account holders, effectively precluding access to much needed funds as the time of death of the account holder. A well known standard practice among banking institutions in the United States is to permit account holders to designate a beneficiary of the account upon the passing of the account holder. Every human being dies. The death rate is 100 %. Yet Customers Bank allows no appointment of a beneficiary, effectively allowing the bank to keep funds for its own use during the potentially extensive probate process. When a person dies, there will be fees necessary to handle the final arrangements for the body as well as for immediate needs, such as the care of dependents. It is the stated policy " We would request copies of the death certificate, a copy of the Notice of Appointment of Executor/Executrix or the appropriate documents if there is no estate, and a copy of their unexpired government-issued ID to assist us in this endeavor. '' These create unnecessary delays that would not occur if Customers Bank permitted the designation of a beneficiary in advance of the death of the account holder. Customers Bank has a self-dealing incentive to hamper access to these funds given that upon the death of the account holder, the earned interest rate will drop from 4 % to 2.5 % because the account holder can not continue to perform 10 debit-card transactions per month necessary to earn the 4 % interest rate. This windfall to the bank, in the form of higher spread during the months necessary to obtain court appointment of an executor, is unconscionable misconduct by Customers Bank. 

When a beneficiary is appointed for a bank account - at any bank other than Customers Bank - the funds move immediately to the beneficiary who can use those funds to meet the needs of the estate or any dependents. When the funds are withheld, as Customers Bank intends, these funds benefit Customers Bank and not the heirs of the decedent.

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 2023-02-11
Company: W&A Intermediate Co., LLC
State: CA
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:
As my family was looking to buy a house in XXXX california - due to job changes, and our house already leased out coming up in XXXX, my credit score dropped by XXXX points. I assumed it was from a newly opened account to take care of emergency medical cost. I did not look further into it. I paid that bill off, and no change happened - so I looked closer, and there was one negative item on my report. I have spotless credit and suddenly this unknown company which I had never heard of has a XXXX dollar collection on my XXXX report. I immediately called them and told them I was a victim of severe identity theft. I sent them all of the documents ( police reports FTC affadavit, notarized, letter ). They assured me after a few days passed I neednt worry and it would be removed. It wasnt. I disuputed with the credit agency XXXX, and it was CONFIRMED as valid by the company after promising to remove it. I could not send through another dispute online so XXXX wanted me to send a letter which would make us basically homeless as renters would be taking over our house. I called again and was assured that the compliance dept would handle it They didnt. It was reported again on XX/XX/XXXX with additional interest. Called again was told to email compliance and they would send a letter of deletion. THey did not. I sent all of the documents requested to verify my identity and again the ID Theft which they had received many times throughout the years as it happened twice ( same style of fraud I believe it to be same person ). So we are close to XXXX the item remains on my credit and this company has done nothing they promise to do. My credit I have worked so hard on was devastated by this company, and they keep lying to me. This is having a grave effect on my new job, and health due to stress, as we need to prepare the house for renters and should have selected a home in XXXX XXXX by now, And Wakefield and Associates shows zero concern They also argue that they are not reporting it when I am staring right at the entry on XXXX. My score was XXXX now its like XXXX. I am in dire need of help. Please let this company know about the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Hello, Today on XX/XX/XXXX my credit score dropped for a balance increase with COMENITYBANK/VICTORIASEC. 
I have an ongoing dispute with Comenitybank/victoriasec for an amount I was wrongfully charged. The balance has been increasing for missed payments while the dispute is in progress. I was assured that I would not be reported to credit agencies and to not make any payments during the dispute process as the balance should be zeroed out in the end. I am unsure as to how this has hit my credit as the matter has not been resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: ERC
State: FL
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:
ENHANCED RECOVERY CO L Is a collections agency that has been alleging that a bill from XXXX XXXX XXXX XXXX with a balance of {$520.00} is mine and it is not. I have disputed it multiple times with them as it was an account that belonged to my mother, with the same name and address. I have explained that to them in the past and submitted billing statements from XXXX XXXX XXXX showing that the bills belonged to my mother and that she actually did pay off the remaining balance, but the company continues to place me in collections which negatively impacts my credit. This is unlawful because they continue to place the wrong person in collections for their financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Initial charge on this card was in the amount {$2900.00} clearing the {$2500.00} threshold for 24 month interest free financing according to https : //www.ikea.com/us/en/customer-service/services/finance-options/ My statements are showing 12 month interest free financing and this is incorrect according to all forms of advertising by XXXX and the rate and fee summary provided as part of the agreement with Comenity Bank XXXX 

Comenity Bank has refused to assist claiming the issue can only be cleared by the vendor ( XXXX ) XXXX has refused to assist claiming the issue can only be cleared by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Terrill Outsourcing Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
At XXXX on XXXX XXXX2023 the debt collector called my phone asking me to pay the debt I specifically told him that I was not going to pay the debt I will let it fall off. He then said what type of person pulls out money that they know they can't pay, I can tell you don't know how to pay your debts. I told him please don't get cursed out I had a really good day. He then laughed and stated you don't think I cant handle that, I deal with it all of the time. I told him I'm not cursing out to you but you're being very rude right now I stated I'm not paying it. He then proceeded to hang up in my face. I called back and the same person answered but changed their name. I told him I would like to make a complaint and he said he would and not only did he not make a complaint about the rude staff member but then started to ask me about my debts. I told him I am not paying it. He then started to lecture me stating what would my mother and father think, what type of person does what you did, what would my reputation look like what type of example would my daughter have. I told him that they would not have access to my credit. He asked me why am I not able to pay. I explained to him I ended up losing my job and gave birth and he stated that that's not a good enough excuse to not be able to pay my debts. I told him I was reporting and said yeah go ahead and do that and also tell them that you owe {$2300.00}, go ahead and report it and let them know you owe {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$770.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$970.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$180.00} XX/XX/XXXXXXXX XXXXXXXX XXXXXXXX {$270.00} XX/XX/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 2022-09-22
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX. ) XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX BANK XXXX, XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX, and XXXX  XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-02-25
Company: Experian Information Solutions Inc.
State: KS
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect 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 2023-07-24
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: FL
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 disputed sum items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: MOHELA
State: WA
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:
Applied for XXXX before XX/XX/XXXX to be sure I would be eligible for the temporary program relief. Submitted proof of public service from employers of 10+ years. In XXXX I went in to some sort of repayment, forbearance, deferment or hardship all at the guidance of the loan servicer at the time. Never in default. In XXXX by the guidance of the loan servicer I was directed to consolidate my loans, not understanding or be educated that I would be put back at " XXXX '' in regards to payment counts towardXXXX XXXX. Now I'm told after 10+ years of repayment, forbearance, deferment and economic hardship, I only have 17 qualified payments. Servicers never allowed my forbearance to go 12 months consecutively, and was denied any type of forbearance or deferment when I off work duty to on the job injury for 12 months. Put me on a payment plan that I don't even get credit for even though I was still employed. Therefore it appears none of my forbearance, deferment will apply to my account. This is such a hardship for those who should and do qualify but were mis led with wrong information over and over again, and it appears, still are. Those who do work at public service jobs don't have time to sit on the phone for 5 to 9 hours to talk to someone who has no answers. Paperwork is lost and no indication that real help is on the way. The only thing I can get a clear answer on is what my future payment is and that does not look like relief. This situation is a mess. I expect my country to do what was offered and not make XXXX a hardship in its self.This is such a fight. It should be something good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-10-06
Company: EQUIFAX, INC.
State: OH
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( 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 quickly. XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$510.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 {$240.00} 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