BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-24
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-02
Company: Experian Information Solutions Inc.
State: IN
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 ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!

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 2017-10-24
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX XXXX, 2017, I submitted a payment voucher to my loan servicer, XXXX, from my XXXX educational award, in the amount of {$280.00}. On XXXX XXXX, 2017, the request was received by XXXX XXXX. I was informed it would take 7 to 10  days to be processed. I have called on 3 occasions this month to confirm this payment. 

This morning, XXXX XXXX, 2017, I called XXXX since the payment has not posted. I dealt with an extremely unhelpful employee named XXXX, who did not provide me with any explanation, other than to say it was still being processed. I was informed that my options, should the payment not be processed were, 1 ) request a forbearance, or 2 ) make an additional payment. This is completely unacceptable. I do not wish to use a month of forbearance when I have already submitted a valid payment, and I do not wish to make an additional payment when I have already submitted one payment for this month. 

This is the 2nd time I have had to file a complaint due to XXXX XXXX not promptly processing my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 explanation
Consumer complaint received 2022-04-30
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX stating I owed {$1700.00} for a XXXX from an account that was opened in my name. I don't own a XXXX, and I never opened an XXXX XXXX account. Now, the account has been turned over to collections to a company called Sequim Assets Solutions, LLC. And they sent a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent out XXXX letters to Experian this first was investigate an account that was in error on XX/XX/XXXX. Got a response by email that no changes where made and the account was verified. So i sent a follow up letter requesting the method of verification on XX/XX/XXXX. I did not get a method of verification only that it has been verified and no changes where made.

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 2017-10-24
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I enrolled in Netspend prepaid card service. I had my paycheck direct deposited on XXXX/XXXX/XXXX. I called to see what my options were as I had not received the actual card yet. I was told I was limited to ACH transactions until my card arrived ( still waiting for my card ). So I have no access to my money whatsoever until that day comes. But I had bills to pay, so according to the netspend website i sibmitted bills for payment via ach. Following netspend instructions for ACH payment. They charged me a {$5.00} " service fee '' then rejected my auto loan payment as well as my cable bill payment. How is it fair to that they can debit my account for a service fee, but i cant use my own money to pay my bills? What is the service im being charged for? To have my payments denied?

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 2022-04-30
Company: Experian Information Solutions Inc.
State: CA
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, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXXXXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went to Pnc bank XXXX XXXX, Pa on XXXX/XXXX/XXXX for a personal loan and it was handled without any problems. I then ask XXXX XXXX about a lease payoff. She called XXXX XXXX XXXX for gross payoff amount and received {$23000.00} which was good until XXXX/XXXX/XXXX. That was also the date of my next lease payment. She then received hard copies via fax of everything that was needed to satisfy the payoff for XXXX to release the title to Pnc. So far everything went well. I was told the Pnc check ( XXXX ) was sent via XXXX XXXX to the address specified by XXXX. I waited @ XXXX week and called XXXX to see if they received and processed the check and was told they did not receive it. XXXX was calling me everday sometimes multiple times a day asking about a credit card that I signed up. I told they did not get the check and her answer was it sometimes takes 10 days. I waited called XXXX 2 more times and received same answer, no check. Told XXXX again and she did nothing except ask me about credit card activation and useage. Finally on XXXX/XXXX/XXXX my lease payment was due and lease payoff quote expires I called XXXX early and found that tbey never received Pnc 's check. I called XXXX and told her again XXXX 4 times ) that the check was never received by XXXX. She apparently did nothing that day and waited till XXXX/XXXX/XXXX to call them. Now the quote had expired and when she got the payoff quote it was now {$25000.00}! I have already received a loan from Pnc for {$23000.00}. There is a difference of {$1600.00}. XXXX says that its not their fault and will not honor original quote number and Pnc says its not their fault because they did nothing wrong. I am paying {$420.00} to Pnc and {$320.00} to XXXX. My daughter got married on XXXX/XXXX/XXXX and di not have that " extra '' money. Pnc quit trying to help and will not even call me back with their results. I believe the fault is Pnc due the unwillingness of XXXX to follow up on loan. Pnc reissued another check for {$23000.00} and XXXX cashed it. I need help. Someone or both need to step up for their mistakes or complacency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: OK
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:
Had a XXXX  XXXX in 2013 that was XXXX. Disputed with Experian to remove it has been more than 7 years. Experian refused to remove it. Tried to dispute again and Experian will not allow me to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: EQUIFAX, INC.
State: AK
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My family members aswell as the people involved in a XXXX XXXX lawsuit filed and won by me for the death of my wife in a car accident aswell as being related with situation that I was XXXX for for 15 years and discharged, has been stealing my identity and committing fraud in my life with financial accounts and it involves multiple accounts and transactions pertaining to false arrest warrants for me being served and resubmitted aswell as mortgage fraud in my credentials and life policies that were to come to me being adjusted illegally and fraudulent transactions made to cash value in and it all shows up on my consumer report and I have filed with irs and all committed companies but need assistance in furthering things to do in order to bring this to justice because they are stealing my financial assistance from government, filed student loans in my name and received the money for them already and this should be on upcoming credit accounts and I need a full reversal of all transactions that have been made that have not been 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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-  TransUnion and   XXXX   Additionall y ; m y report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was  XXXX . However,  XXXX  still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies, Transunion and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!

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 2022-04-30
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called AFNI has been calling my phone and my husband 's phone several times per day and I have asked them verbally, via email, and with a cease and desist letter to stop contacting me via phone. They still continue to call my phone several times a day, 7 days per week. They are rude and unprofessional. This debt they are harassing me about was one that was done in my name by someone else and until I can get it legally settled, they are not getting anything. They are ignoring my cease and desist and I am fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
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: 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I opened a secured credit card account with XXXX XXXX and made my initial deposit of {$300.00} to secure the balance on my card. XXXX has closed my account. On my credit report is states that my last payment was XXXX XXXX, XXXX. Since then my account has been closed. I no longer continued to use the card. XXXX has continued to report that I have a balance on my account. I have spoken with representative several times about this account inquiring as to why before XXXX charged my account continued interested and then later over the limit fees was my deposit not applied to my account to balance as stated in the original agreement. They were notified to close to the account and use the secured to pay off my balance but instead they continued collection activities on this account and is now reporting that I still owe a balance and that the account is written off. How do I 1. Have a balance on a card that was secured with a deposit. 2. How are the credit bureaus still allowed my many attempts to have this account removed since they choose to not to update it appropriately because it is showing along with bad payment history as opposed to paying the balance which was below the {$300.00} at the time and then just closing my account. It closed the account showing that my credit utilization was at 152.00 %.

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 2017-10-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within XXXX  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.

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 2017-10-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.

Company response to consumer: Closed with non-monetary relief