BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-23
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Often the programming within the bank 's website requires me to reset or reestablish my online banking password. Unfortunately, due to this four times I have had to either go into a store or wait until I was able to establish the account details accordingly. I have received four late fees but Victoria 's Secret Comenity Bank has only refunded me one of the four late fees assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XX/XX/XXXX XXXX XXXX  apply Pulled my credit report I didnt apply for this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Halsted Financial Services, LLC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by Halsted Financial Services, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called Halsted Financial Services. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with Halsted they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for committing identity theft. I have never given CREDITORS BUREAU ASSOCIATES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDITORS BUREAU ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDITORS BUREAU ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and CREDITORS BUREAU ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. 
Account # : xxxxx XXXX, xxxxx XXXX, xxxxx XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: EQUIFAX, INC.
State: NC
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 dispute on XX/XX/2023 pertaining to files XXXX XXXX and XXXX XXXX XXXX on my credit report. I did not receive the complete results back until XXXX XX/XX/2023. The confirmation number for the dispute is XXXX. The Equifax dispute page verifies the submission and completion datesXXXX XXXX XXXX  and XXXX XXXX  both came back with Equifax deciding to modify and update each record on my report. This violates FCRA because both accounts were already verified as accurate previously. They sent the documents I provided of inaccuracies being reported on my file supporting my dispute to the credit and in return allowed the creditor to submit updates/modifications based on my documentation proving that the creditor has knowingly reported and verified false/inaccurate data. Equifax is supposed to enforce the FCRA not cater to the creditors. The creditors by law must report truthful and accurate data to the bureaus. Furthermore, the fact that 30 days had passed meant the record must be removed from my file again per FCRA. This is a glaring example of how Equifax violates the law and cares nothing about ethics. Creditors put money in their pockets, not people like me, so that is who they favor. So, I had to submit yet another dispute on both items that are supposedly being investigated. I have provided the documents below to support this complaint. I am not providing documents for them to give to creditors to further their collusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
Hey i have a problem. My account keeps having these loans on my account that I didnt take out and the times and dates they said I did is inaccurate. Its been more than 7 yrs and this XXXX is still on my report and I am requesting these student loans to come off my credit. I will keep writing letters and sending messages and emails and reaching out to the fbi and making a police report. I just want to be able to handle this responsibility. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was sued in 2003 by Weltman Weinberg & Reis. I was never served any documentation requiring that I appear in court. Resultantly they obtained a default judgement against me. The lawfirm is aware that I was never served and instead of with drawing the judgement they continue to attempt to collect. The case is in the XXXX XXXX XXXX XXXX XXXX, Ohio. Case No. XXXX. Please help me I have exhausted every avenue known to me. I am at a loss with regard to how to successful right this wrong and I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: FlexShopper, Inc
State: NC
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:
Company called Flex shopper is constantly charging my credit card unauthorized charges and I keep having to call my bank to dispute. Their reason is that my account is past due. I make payments and did not authorize this company to take payments off of my card automatically. I also requested my card be deleted from their files. I was advised my card information was deleted but this was not factual.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Experian Information Solutions Inc.
State: NY
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:
Inaccurate information on my experian credit report, it's not showing on XXXX  nor XXXX, I have two accounts that are not mine and needs to be deleted

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 2020-09-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I read about deferring a payment with Bank of America due to Covid 19, I had had XXXX XXXX XXXX and asked if that would apply. I was told yes and was told all by phone that they would just tack the payment on at the end of my mortgage and that it WOULD NOT, effect my credit. Well that was a complete lie because they are now saying that I owe that payment now and it was in fact sent to the credit bureau. I have explained their mistake and they refuse to budge. I never would have deferred if I knew this to be the reality. Hoping you can help. Thank you in advance

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 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying my student loans on time always for years and one of my loans has gone down {$10.00}. I was never offered any assistance with how to manage loans or income dependent payments. I was also wrongfully listed as in forbearance against my will. I called in asking how to lower my interest rate and the representative said to have it reviewed I can not be current in my payments and she stopped my auto debit which I have had in check for 8 years now. I received notification that my loans were in forbearance and called immediately and no one was able to help. Finally one department said they needed to deposit {$1.00} to deactivate my auto debit. It was an awful experience and I was promised everything was resolved and I was never in forbearance. Fast forward a few months I call to release my brother a cosignor and was told I could not because of the forbearance listed on my account. I explained the situation and no one has any notes of anything. I would love for any phone calls to be reviewed to see the error that was made as they imposed this forbearance on my account that was never requested. I have been paying as much as possible since 2009 and the loans do not move. The interest I pay is through the roof and I receive practically nothing back at income taxes because I am XXXX and have no deductions to claim. Anytime I ask for assistance from Navient they have no options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XXXX of 2013, When i was pregnant and still a tourist in this country a doctors office that was supposed to do a ultrasound on my belly. My husband at the time was the financial responsible for everything and yet i still got charged hundreds of dollars for something not executed. 
Fast forward, 7 years later im sill being accused to own {$710.00} for that clinic. The collector refused to provide me the proof of the paperwork for that XXXX XXXX and failured to pursuit my ex husband and as in today i noticed my credit report got affected with that {$710.00} 7years old ultrasound. I lost 46 points and it feels like after 7years they should not be harassing me anymore. Im trying to find a way to report this collector/ clinic

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: WELLS FARGO & COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There is a charge appearing on my credit card for {$60.00}. I filed a dispute via the Wells Fargo website on XX/XX/20 as I believe this was paid with another form of payment. Nothing was done with the dispute after a week or two, so I called Wells Fargo and spoke with a dispute specialist who told me they required documentation and would issue me a provisional credit in the meantime. I informed the agent that I uploaded the requested document right while we were on the phone and she said she would review it. In the meantime, I would have the credit. Now, it is XX/XX/20 and I just received a letter from Wells Fargo stating that they need me to RESUBMIT THE SAME INFORMATION I ALREADY UPLOADED. Further, the provisional credit I was promised during my call was never applied, so now my card has a balance when it should be reporting to my credit as a {$0.00} balance. Wells Fargo has failed to handle my claim properly and lied when the said they would issue a provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
My home foreclosed in XXXX of 2010 with BofA. BofA had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with BofA to be sure. Last year, after four years of the debt not being pursued, BofA sold the debt to XXXX XXXX XXXX, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
Experian and XXXX  should not be reporting a collection/charge in the amount of {$610.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account originated with XXXX. This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-09-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please see attached word document. This letter was sent to Navient. It shows evidence that Navient reported " On Time '' payment history for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX student loan accounts. However, Navient removed the " On Time '' status for each of these months recently and has not provided an explanation. See attached PDF document for response. Navient 's response does not acknowledge my question and is diverting to a different topic regarding " Negative '' payment history. This is in regards to reporting " No Data '' for the months listed above, not " Negative '' payment history. Perhaps their customer service person can not understand English? Obviously, this organization has 30 violations ( 5 accounts x 6 months payment history ) of the Fair Credit Reporting Act, regardless of their stance, since they are modifying historical account information on an on-going basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 convergent account XXXX XXXX # XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX has violated my rights. 



In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX  XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX has violated my rights. 

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX-XXXXXXXXXXXXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account US DIST CT Bankruptcy XXXXXXXX XXXX # XXXX has violated my rights. 


In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX 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 written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive reported to all 3 bureaus and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( transunion and XXXX ) after transunion deleted it first! Account was reported closed XX/XX/2021

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 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One Bank has ignored my requests to validate their account. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XXXX, and XX/XX/XXXX Capital One Bank received a notices from me and they have not responded to any request. 

Capital One Bank has failed to respond to several requests of validation. This account has updated each time to the 3 major credit bureaus.

Capital One is also reporting multiple addresses to each credit bureau making communication even more difficult. This account has also charged-off two times ; with no current updates. 

Capital One is NOT a HOLDER IN DUE COURSE and this is why they have not responded. 

Neither XXXX nor XXXX provided validation of ant sort. I will update reports also if need be to further prove that these companies are ignoring my letters This account was also sold to a third party debt collector.

Company response to consumer: Closed with non-monetary relief