BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: Bread Financial Holdings, Inc.
State: PA
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:
On XX/XX/XXXX I authorized the payoff balance of my XXXX XXXX XXXX Credit Card for {$3200.00} in order to close out my account that would then result in a {$0.00} balance. The payoff amount was automatically generated to cover any and all interest charges on the account during the timeframe of the payment. The payment posted on XX/XX/XXXX. Five days later on XX/XX/XXXX my bank account was credited back {$25.00} which was stated to be a credit refund ( attached for reference ). On XX/XX/XXXX I was sent a statement stating that I now owed a balance of {$23.00} for interest charges ( attached for reference ). Immediately after receiving the statement, I called the customer service line to inquire on the recent charges of {$23.00} that were now showing I owed. The customer service rep apologized for the confusion and stated that I did not owe any charges and my account would in fact remain at {$0.00} as it was at the time it was closed out on XX/XX/XXXX. Right after XXXX, I had been taking care of my elderly XXXX who contracted XXXX XXXX and had gotten extremely ill so I will admit that I hadnt been up to date on staying on top of my emails after the XXXX XXXX however to my knowledge my account had been closed out for an entire month after paying off the balance IN FULL back on XX/XX/XXXX. I did not ever think that I would have to worry about later posted fees that would be assumed I now owed? Now, almost 3 months later the balance is STILL showing as owed on-top of multiple late fees acquired which have in fact affected my credit score to decrease. I made one final phone call this afternoon to the customer service line and even requested to deal with a manager level rep who not only informed me that there was nothing they could do about the charges now being owed but also stated there is no history of ever crediting my account for {$25.00} ( which would have covered the later posted interest charges ) when it is clearly stated directly on the statement received on XX/XX/XXXX ( highlighted and attached ). I have not only been lied to twice now but have wrongly been credited back an amount just to acquire another charge at a later time. It seems this was done on purpose for closing my account. This is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: MIDFIRST BANK
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: Account status incorrect

Complaint:
My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$26000.00}, {$6100.00}, {$7600.00}, {$3000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

3. BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -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 non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  The credit bureaus was properly investigated but how that possible when open and end date, account information, address, amount is inaccurate and late date reporting is no accurate This is grounds for removal they have also violate me under XXXX XXXX XXXX  According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy.

According to 15 USC 1681 Section 604A Section 2 No financial institution is supposed to share my information to a third party. I did not give written permission to have the accounts added to my credit report.

According to 15 USC 1666b ( A ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I wrote a letter asking for the payment history to be corrected. XXXX XXXX  refused to correct the payment history please see attached

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 2020-03-03
Company: Resurgence Legal Group, PC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good evening, I am contacting you all to dispute the Avant Account, now handled by Resurgence Legal Group Ref # XXXX. I do not own this account. According to Resurgence, the account was open in XXXX of XXXX and the last payment was made on XX/XX/XXXX. I am not the owner of this account and should not owe {$5700.00} to XXXX XXXX XXXX or XXXX XXXX. Supposedly, I received a court date and was sued by a previous company XXXX sold the account. I currently have a fraud alert on my credit report. My police report number is Deceptive Practice Financial Identity Theft over {$300.00} # XXXX. If you all have any further questions contact me at XXXX. I attached the form I received yesterday XXXX. Thank you. 

Best Regards, XXXX P XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Information belongs to someone else

Complaint:
I have been submitting letter on XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below XXXX XXXX XXXXXXXX XXXX XX/XX/2022 EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

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 2020-03-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My husband and I have both been banking with Wells Fargo for years ; I started a WF online account a couple of years ago. 

Through the years we would occasionally get offers for WF credit cards, which we would automatically dispose of. I recently contacted WF online and requested that I receive no further credit offers from them. They were happy to oblige, and confirmed that they had opted me out. I asked them a couple of days later if that opt-out request would automatically include my husband, as well. They said no, he would have to call or write to them in order for him to opt-out. 

On XX/XX/XXXX, my husband wrote to the address they provided ; about a week later, his opt-out request was returned to us, marked 'box closed, not deliverable as addressed -- unable to forward ' ... ..we are both furious, as this is obviously a false address we were given, not to mention that my husband had enclosed his social security # and account # along with the request. Thank God this envelope did not fall into the wrong hands!!!!!!

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 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My Fiance and I have been having medical issues for the past 45 days where we have had to go see multiple doctors and specialists. Along with medical issues we had to move 30 days ago and we did not receive a bill from the collector with the  XXXX  due date.I received an email on  XXXX / XXXX / 2017  from  XXXX  stating that a 30 day late notice was reported on my credit report and lowered m y credit score  by  XXXX  points. I contacted the creditor at  XXXX  PST this morning  XXXX / XXXX /   2017  and was advised I needed to speak with the collection department. I spoke with a  XXXX  and I advised her of the situation, how I 've been repairing my credit so I can purchase my first home and asked if they would extend me a goodwill courtesy of removing the 30 day late notice. I advised that I would even pay the account in full since the payment was n't missed due to a financial hardship rather I was unaware of the due date. She advised my request would be denied. I feel despite having a reasonable case the creditor is acting unreasonable.

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 2022-02-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The CCB/ULTA account with the account number XXXXwas marked as Charge-off with an identified balance of {$290.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history '' .Reinvestigate the account thoroughly and furnish all documents you will be using for me to confirm. Nonetheless, remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
My mortgage reported that I was 3 months pass due. But I was going through a modification due to the current pandemic and was out on a 3 month trial period to see if I could make the payments on time at a lower amount which I did. My mortgage was lowered to a smaller payment but the mortgage company reported to the credit bureaus that I missed three payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
This account was added to my credit report in 2019. I Went to the police got a police report, Ive contacted XXXX to get the situation resolved, Ive sent the police report to Experian, XXXX XXXX XXXX. It was taken off each credit bureau except for Experian. For over a year Ive sent in multiple police reports, FTC reports, dispute letters and affidavits they are refusing to remove this unauthorized account from my credit report. The account is showing closed but has a passed due balance.

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 2016-07-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We received a loan to purchase a car through Toyota Financial Services. 
- First payment was received by Toyota on XX/XX/XXXX - Shortly thereafter I called to have the payment date extended to the XXXX of each month. The gentleman I was speaking to said we had to sign a form. I told him we were leaving on XX/XX/XXXX and wold not be back until XX/XX/XXXX. He said he would either email it or fax it ( I do not remember which ). 
- The required form did not arrive so several days later I called Toyota and a woman helped me said I did not need to sign a form and that she could change the date. 
- XX/XX/XXXX we received a collection call from Toyota. when I spoke to the person told me not only did we have to sign a form must now pay Toyota {$28.00} or {$29.00} for Toyota to do their job and change our payment date ( first we have been told about this ). Basically I was told " too bad so sad you are now past due and we are not going to the right, ethical or moral thing and change the payment date retroactively. 
- I then made several calls - all of which my phone dropped due to the bad reception. 
- Finally I got through to someone who put me in touch with someone who said they could help - then my phone dropped the call again. 
- When we returned home there was a form from Toyota for us to sign that was mailed after our departure date - of which they had been made aware.. 
- Long story short - I have made repeated calls but still can not get this straight. Each call the holding times have been from 8 to 20 min hold time and when I am put through to a supposed " Resolution Specialist '' one waits another 15 to 30 minutes to speak with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-08
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX, XXXX, and XXXX are violating the FCRA by reporting inaccurate information on my credit reports. The payment history states the wrong first date of delinquencies among various other inaccuracies such as : XXXX XXXX and XX/XX/2020 both report XXXX days late, XXXX- XXXX and XX/XX/2020 both report XXXX  days late, and also XXXX and XX/XX/2020 report XXXX days late. 
XXXX Not reporting XXXX days late at all. 
All credit bureaus are reporting incorrect information. 

According to the FCRA, any inaccurate or incomplete information must be deleted. Please delete NAVY Federal CU charge off account from my credit report immediately. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: NJ
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 ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH 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 2020-03-03
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in 2017, I disputed phone charges on two accounts with XXXX XXXX XXXX and reported them to the California Public Utilities Commission. As the result of the complaint I filed, the matter was referred to XXXX XXXX XXXX XXXX President 's Office. After a number of telephone calls with individuals from this office, XXXX XXXX XXXX agreed to discharge the phone charges in its entirety. The charges remaining in the account XXXX also had been discharged by members of the XXXX XXXX XXXX XXXX President 's office. Both of these XXXX XXXX XXXX accounts have been closed and all remaining charges cleared. 

Notwithstanding, XXXX XXXX XXXX has forwarded this discharged amount to several debt collection agencies, who have contacted me via letter and by phone to collect the amount of what originally had been {$31.00}, and without any basis increased to {$45.00}. This " Franklin Collection Service '' has threatened to blackball my otherwise clean credit. 

It would be an easy thing for me to just pay such a small amount to get rid of these annoying and harrassing debt collectors. But I find the incompetence of XXXX XXXX XXXX and the threats of this collection firm extremely offensive, and would like others placed in similar position from myself from similar tactics by filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone tried to apply for a XXXX  ( XXXX XXXX XXXX XXXX under my name. My husbands ( XXXX ) identity was also stolen this week. We believe they retrieved our social security numbers through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Solutions To Portfolios, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Initially this was a payday loan gone bad. It was sent to debt collector who then sold it to the STP Management Group/TX. XXXX XXXX really has a way with her words and how she has made it up in her mind to get money by any means necessary. I have set up payment arrangements at the end of each month and have made those payments. She insists that because od the upcoming holidays, the end of the month DOES NOT WORK FOR HER!!! And that she will not accept late payments period. What??? Is this lady pocketing the money or what? Are they on some kind of commission for how many they harass and get money from? Is this money really going toward paying off the debt ( which I acknowledge )? Is this a legit debt collection agency? Calling my place of employment really crosses the line ... .I NEED YOUR HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: EQUIFAX, INC.
State: AR
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:
After recently reviewing a copy of my credit report I noticed some accounts being reporting that were opened without my knowledge or consent. I took action by completing a FTC identity theft report and sending it to all three of the major credit bureaus ( XXXX, XXXX, & Equifax ). I also noticed that my personal information being reported was inaccurate which included fraudulent addresses and incorrect date of birth. It has been 30 days and I have yet to hear from the credit bureaus in regards to receiving any verification or correspondence regarding my dispute. I am aware of the Fair Credit Reporting Act and statues 605b, 609, and 611 which has Equifax violated my consumer rights but not providing any verification within the 30 day allotted investigation time. Equifax must remove the four fraudulent accounts in question or face litigation.

Company response to consumer: Closed with explanation