BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-19
Company: Bread Financial Holdings, Inc.
State: MO
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:
In XXXX of XXXX, XXXX XXXX XXXX Filed a Power of Attorney for me with Comenity Bank for my XXXX account. I had additional accounts with Comenity Bank, which included : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX applied the XXXX to all accounts and refused to accept my payments to them. After months of going around in circles, I finally realized what had happened. XXXX wrote a revocation of the XXXX for the remaining accounts and sent it to Comenity. I also sent a written request with Comenity requesting that they do the same. Comenity refused to honor my request and then sent matter to XXXX XXXX XXXX. Comenity is inaccurately reporting to all XXXX bureaus. They are reporting me as having revolving accounts and also sent to collections for the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They can not report me both ways. It is illegal and killing my credit. This is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent 2 certified letters to Hunter Warfield asking for " Validation '' of the {$780.00} debt they claim I owe. They did not respond to the first letter I sent in XXXX XXXX. I then followed up with another certified letter on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a letter stating they had sent me verification and had no duty to send me any additional information again. 

I am sending another letter tomorrow, XXXX XXXX XXXX requesting the verification ; however, they are clearly in violation of the Fair Credit Reporting Act. I am asking them to DELETE the account immediately. This is NOT my debt and they can not prove that it is.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Miller, Stark, Klein and Associates
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
someone keeps calling from XXXX saying they have complaints about me. they are using my previous married name ( which i have not used since 1987 ). So clearly scam they leave a message since i have the number blocked telling me to call another number, which belongs to Miller Stark Klein and associates please make this stop. I do n't have any complaints, my debts are up to date and they keep calling every 2 days. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NJ XXXX I sent a letter to ( XXXX, XXXX ) regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove the item from my credit report. I demand this account be deleted from my XXXX and Equifax or I will file ligation due to stress I've been caused. My information was also impacted by the Equifax and XXXX data breach and may have gotten to the hands of the wrong person..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: SC
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:
I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXXXXXX XXXX XXXX ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXXXXXX XXXX XXXX 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on 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 explanation
Consumer complaint received 2017-10-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a secured card with Citibank, during the application process, I never supplied a security word, when I received my card and called to try to activate it, they asked me to validate my identity using this security word I never setup, then they said to provide them with a phone number linked to my name, I did just that and they still refused to give me access to my account, then they asked for a relative phone number, I provided that and again they told me it is an unverified number. I offered to provide my SSN, driver license, address, a list of relatives they can call to confirm who I am, but they refused so I asked to close my account and they said they can not and refuse to do so until the account gets verified, so they are pretty much stealing my money and telling me that I cant have it back.

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 2019-07-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do no recognize to following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used a prepaid bluebird Amex card that I use for my some purchases or to pay bills to merchants I do not trust. I add funds to this account through linking my bank atm debit card linked to my XXXX XXXX checking account. Bluebird is telling me XXXX XXXX denied transaction transfers, yet XXXX XXXX checking was debited and transactions were paid to bluebird, yet my bluebird account was not credited for all the transactions. Plus, within the past month, every time I open the bluebird app, a different three digits appears in the user name spot. Its always three digits but always three different digits every time I open the app. These three digits are a mix of numbers and/or letters ( some of the digits are strange and not even on any of my phone keyboards. One such example of this is one of those three digits was an elongated /p/ where the straight line continues up above the circled area ). I called bluebird and transferred me to claim specialist and she gave me an email to send the screenshots I started taking. However, despite going over the email with her to make sure I wrote it correctly, it bounced back, informing me there is no such email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-05-03
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # 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 w : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2019-07-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My car was in the flood of Hurricane Harvey on XX/XX/XXXX. 2017 Santander Consumer U.S.A. Want 's me to pay them {$600.00}, But {$600.00} was paid towards the settlement amount of XXXX Now they went me to pay them all of XXXX in full. I sent a letter to the CEO of Santander U.S.A telling him about the flood in XXXX XXXX Texas on XXXX XXXX. But they keep calling me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, 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:
I am a victim of the Equifax breach. I found out on Equifax XXXX I have already had issue with a false XXXX debit card filing under a womans name. 

I want to enter arbitration with XXXX with credit monitoring and such. This seems like tip of iceberg. NOW i have finally got my credit score better..I face ID theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are significant problems with the way Equifax operates. First, Equifax 's website prevents you from obtaining a copy of your credit report. I had to try over 5 times to access the site and it kept telling me in a pop up that my information did not match their records. I did not have this problem when obtaining my credit reports from XXXX or XXXX. Then, after I finally reviewed my report, Equifax made it almost impossible to file a dispute. Again, I had to attempt access to their site over 7 times. When I got to the dispute part, the dispute page was so limited that I was unable to register all of my disputes. I had to file XXXX disputes. And still, it did not give me an option to inform the agency that there were many unauthorized inquiries into my credit. It does n't end there. When I heard from Equifax by email that they have addressed my dispute, the link to access the resolution kept on telling me that my information is wrong and therefore I ca n't access their resolution of my disputes. This is Equifax 's way of denying you the information you have a right to have. Today, I tried over XXXX times to access the resolution report. I did NOT put in my information incorrectly XXXX times. I am still unable to access the report and Equifax says that it is not going to be available too long. Equifax should be denied providing credit reporting services. Please investigate this ; others MUST have the same complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My XXXX report lists a collection from XXXX, with no information, and no other account showing as a write off or collection as it 's source. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: Universal Account Servicing, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2019, I called Universal Account Servicing regarding the final payment on my account which should be {$230.00}, but is {$420.00}. The representative I spoke with XXXX was uninformed, rude, and not very customer friendly. After reviewing my account, she stated that Aging had been applied to my account to make it current, but I was still responsible for maintaining payments. Over the course of three years, whenever I paid late or missed a payment, I paid the late fees in addition to doubling or tripling payments to bring the account current. So, I should not get to my last payment and have a balance nearly double what I owe. I asked XXXX if I could speak with a supervisor or manager to have the additional fees waived and was told that neither was available. This is standard procedure with this business when a customer asks to speak with a higher up and is apparently an accepted practice, neither was XXXX able to give me corporate contact information. This Aging thing seems to be a way for this business to apply additional funds and needs to be removed from my balance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: VA
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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I called Capital One to close one of my savings accounts. I requested that the existing balance be transferred to my checking account. As part of the account closing process I was required to consent to Capital One reopening the account if there were any outstanding transactions. The customer service representative confirmed all of my data and there was no indication there would be any issue closing the savings account. On XX/XX/XXXX I was notified that a transaction in my checking account was declined. That is when I discovered that my checking account was closed instead of my savings account and the balance of my checking account had been transferred to my savings account instead. I immediately called Capital One to have this error corrected. The first customer service representative said there was nothing they could do. I was then transferred to someone else who explained that they would need to investigate my issue, review the recording of my call and the customer service representative 's notes, to verify that the error was Capital One 's and not mine. I was informed that this process would take up to 20 days. I was advised that if the error was Capital One 's that my account would be reopened. On XX/XX/XXXX XXXX received a follow-up email saying that Capital One had reviewed the issue and informed the customer service representative 's manager of the error. The email said that an account could not be reopened once closed. This is obviously a lie, since I was forced to acknowledge that Capital One would be allowed to reopen the account if they deemed it necessary. I replied to the email, and called the number on the email several times, indicating that this response was insufficient and unsatisfactory, and requesting additional follow-up. As of XX/XX/XXXX I have received no response to my repeated attempts to have this matter resolved. I am still dealing with the expense and inconvenience of my primary checking account being closed unexpectedly. That Capital One would acknowledge that closing the wrong account was their error, but do absolutely nothing to correct the error is unacceptable. I want my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
U.S. Bank is holding a settlement deposit of XXXX for 10-days from my personal account. They won't tell me why but, it has caused extreme hardship. 
The deposit shows complete but, the funds only show XXXX. I have tried to get them to tell me why and release the funds. They said even though it's shows " complete '' they will continue to hold my money. 

A Manager said he'd call back and never did. 
The branch is not open for calls. I have an additional businesses account and have been a customer for a very long time. Why are they keeping me from my money? 
It says " completed '' but they are withholding it from my balance. 

I would like this investigated. 
It is clear this a deceptive practice. 

Attached is proof it is not pending anymore. 
Also attached, proof it is complete.

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 2019-07-20
Company: EQUIFAX, INC.
State: NJ
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 sent 4 dispute letters to all 3 credit bureaus ( Equifax, XXXX, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans Union 's call centers are closed on weekends and evenings. They only allow consumers to report discrepancies between their TU 's regional working hours with unfair regard for consumer location and schedules for work. Unfair to he most vulnerable and the least sophisticated 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