BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
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: Problem getting a working replacement card

Complaint:
On XX/XX/2020, I went to XXXX XXXX in XXXX XXXX, CA. I was asked if I wanted to apply for a XXXX XXXX Credit Card. The salesperson told me they have a store credit card that would allow me to use the credit card anywhere. I asked 5 times if I applied for their card and if I got approved I would be able to use the card at any store other than XXXX  XXXX. The lady checked with her colleague and they both responded yes. I was approved for the card. I was given a temporary receipt showing I was approved and expect the card in 7 to 10 days. I said thank you. From XX/XX/XXXX to XX/XX/XXXX, I have not received the new card. Let customer service tell it they would put in a request to send out another card. Then I was told because of the billing cycle, they couldn't send me out a card. I would have to call back in 30 days or mail confidential info to verify my identity. I called back again and was told the account was shut out by their rep. I was told the account was reopened and I will get a new card. I called back again and was told the system wouldn't allow them to send out a card to me. I was asked to verify my address. I did. They told me on their end they didn't have my apt number and that was the problem. It's funny how they added the apt number without me being required to send in documentation proving my identity but couldn't mail my card out. I asked to speak to a supervisor and they put a senior account rep on the phone. He did a absolutely nothing. He just wanted to get me off of the phone. He said mail the confidential info in or wait almost 6 months to call in for another card. He informed me that the card was just a regular store charge account and not a visa as promised. 
I was not able to reach an agreement with Comenity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They have been charging me monthly fees and I deposit more than the amount required

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: DISCOVER BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I submitted a complaint that was closed unexpectedly. I received a letter saying it was closed because the CFPB believed it may have been submitted by someone else. It was not. I am resubmitting my complaint for consideration. 

On XX/XX/2022, Discover Bank restricted access to the XXXX payment service to all customers who enrolled after XX/XX/2022, which includes myself. They did so with no notice and the method by which they set up this restriction immediately blocked my ability to use the XXXX service with any financial institution. I also have accounts with XXXX XXXX  and XXXX  XXXX and immediately after Discover 's actions I was no longer able to use the XXXX payment service through any of them. Having access to XXXX is more than a simple convenience, as I have signed a lease agreement for my home in which XXXX is the agreed upon payment method. I immediately contacted both XXXX XXXX  and Discover Bank to attempt to resolve the issue. Discover Bank said they are not offering XXXX at this time and insisted ( wrongly ) that their actions would not cause problems at other institutions and also insisted that I work with my other banks to resolve the issue their. So, I immediately began working with XXXX to find a resolution. Several customer support tickets were entered on my behalf after various phone calls. On XX/XX/XXXX a ticket was entered that was escalated to an internal team and I was advised I'd receive a solution in 5 business days. I have continued to follow up on a regular basis and am told that the company is still doing research on the issue and has no updates. I find myself in a situation where Discover advises I contact Ally, Ally advises I contact XXXX, and XXXX insists these issues must be handled through the bank. All the while, being put in a situation where I am denied access to a service by no fault of my own based on an arbitrary date of enrollment at a particular company. It is also affecting my ability to meet the agreement made with my landlord to make payments through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: OH
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 XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Ok XX/XX/XXXX I had someone scan me out of {$200.00} through cash app. When I found out I went to my personal bank and they got my money back to me. I had money coming through Cashapp afterwards with no problem. Recently on XX/XX/XXXX I had someone send me money through Cashapp and Cashapp took the money. They stated I owed them money which I'm not understand how would I owe them money. I went back and forth though support and they stated to call my bank. My bank stated why would they tell me to call them. Cashapp refuse to give me the money that was sent and states I still owe them {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( ARS ) account resolution svs is not licensed to collect debt in the state of Florida

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 2015-04-20
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I ran my credit report through TransUnion on XXXX XXXX, XXXX and noticed that my XXXX XXXX XXXX was scheduled to be removed from my credit report on or around XXXX XXXX. I ran my credit report again on XXXX XXXX, XXXX and notice that the date of the removal changed from XXXX XXXX to XXXX XXXX. I disputed this discrepancy online and through customer service and bought it to their attention that they re-aged my account which is illegal. I waited until I receive their official investigative results in which they kept the XXXX XXXX date of removal. I spoke to XXXX XXXX who could n't explain why the date of removal was changed. I was then directed to XXXX Bank in which I had the WORST experience I could ever recall in my adult life! The representative told me the information was correct on my credit report, that the information from my XXXX report was incorrect and that there was nothing I could do about it. I am attaching proof of credit report ran on XXXX XXXX and on XXXX XXXX to show the discrepancy. I also plan on filing a complaint with the Attorney General because they should not go unpunished.

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 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I checked my credit report on transunion and had An unauthorized hard inquiry from XXXX XXXX on XXXX XXXX, 2015. 
Their address and phone number is : XXXX, MN 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 2022-10-12
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for assistance by XXXX for 18 months. But, my mortgage and property insurance have yet to be paid since I have been approved back in XX/XX/2022. This is due to the mortgage vendor changing to Fay Servicing , LLC. I have already called and emailed HAF multiple times, but there been no changes or updates for 4+ weeks.I 'm unsure to why the property insurance is not getting paid. I submitted the correct info for that document.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: OK
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:
XX/XX/2022 : I need to remove associated names from my credit report that I've not ever used to apply for anything. 

My legal and actual name is XXXX XXXX XXXX which is the actual and precise spelling. 

I need for the associated name identification numbers 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 and XXXX XXXX XXXX removed from my credit report immediately to avoid any confusion or identity theft situations to remain based off of my recent credit report received and a ongoing issue of my mail missing or confusion of who I am when attempting to get basic local issues resolved versus whoever all else is or maybe attempting to act as me based off of associated name errors on my recent credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
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 am writing to dispute the following information on my consumer report regarding the inquires listed below I don't recall authorizing and I understand that you shouldn't be allowed to share any of my personal information with any creditors If I didn't authorize it. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXH

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 2016-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i have been contacting Transunion for over a month trying to get inaccurate information deleted from my files. I checked my credit on XXXX XXXX, 2016 on the XXXX site and had a total of XXXX hard inquires removed from my report. I checked back on the XXXX site on XXXX XXXX, 2016 and all XXXX hard inquires were placed back onto my account without anyone notifying me about the reinsertion letter as required by fcra section 611. I 've made numerous calls ever sinced this matter occurred. And could n't get help from anyone. I requested several times to be transfered to the fraud department or an US reprensentative. Keep getting the run around. Many of them had nasty attitudes. Many said they knew of the situation, but oh well. Take it as a loss. Said to file a complaint because they were n't going to help me, and hung up. This happened several times.

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 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.

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 2016-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
My email gets flooded with loan offers saying Im approved or pre approved then Ill apply and then I get denied this has messed up my credit I lost my job due to COVID pandemic I need help please dates from XX/XX/XXXX till XX/XX/XXXX I have pictures or all these companies that gives me fake offers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX 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 2021-03-12
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2021 I contacted Equifax dispute department now the week before I contacted XXXX dispute department and pointed the problem out and the United States Department of Education student loan acct was removed. As I spoke with the lady and told her the acct one is being reported on when the government suspended all student loan activity due to Covid last year. This actual acct hasn't had any activity since XXXXwhich is ten years ago and should be removed which it was from XXXX but, Equifax will not put forth the proper due diligence in the matter. I continuously am given the run around. The information isn't accurate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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