BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX of XXXX, I received a bill from Comenity bank XXXX XXXX for {$80.00}. Because I paid this bill late by mistake, I was assessed a late fee of XXXX I called them some time in XXXX to ask them if as a one time courtesy, they could remove the late fee. The customer representative then told me that she would cut the late fee in half, which would leave me a balance of XXXX}. I paid the {XXXX} through my bank immediately and never received any other statement from them. 

On XX/XX/XXXX, almost a year later, I received a letter from Comenity asking for {$120.00} without any explanation for that balance. They closed my account and turned it over to XXXX XXXX XXXX. They waited almost a year before contacting me, turned my account over to XXXX agency. I havent received any other statement since XXXX of last year. 

If I understand well they never gave me that half credit for the {$29.00} late fee added in XXXX of XXXX. Instead they have been adding late fees after late fees on the about {$14.00} balance for XX/XX/XXXX. I have not received any bill from them since XXXX of XXXX. This is ridiculous and pure theft. This bank has a D rating with the better business bureau. They are downgrading my credit score which was over 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i am getting threatening lattes from collection agency and a Law office i do n't know who is these debts are not mine not my account i am not paying some body, s debts that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Sale of account

Complaint:
On XX/XX/XXXX16 I shopped at an XXXX store wherein I had a large purchase. During the checkout process, the cashier said that if I applied for a store credit card, I would save 15 % off my transaction and I really should do it based on how much money I was spending. I said " No thank you, my husband will kill me if I opened a credit card, I will pass. '' The cashier said that I had the option to fill out the application but I do not have to submit it. This obviously sounded too good to be true but she ensured that she would n't be submitting any app since I declined and I would be using my card for the purchase. I took it as an employee thing where they just need to show filled out applications to show that they were offering it to customers. At the end of my transaction I again confirmed that I was not submitting any application and I was assured that I was n't. I swiped my card, signed for the transaction as I was told and went on my way. I did not realized that I was lied to about this until later receiving a card in the mail. I immediately contacted the credit card company on XX/XX/XXXX16 and explained what happened. I was told by the representative that they would close the card AND DELETE THE ACCOUNT OFF MY CREDIT REPORT. I explained that I did need to return some items ; therefore, the rep instructed me to return them on the account and then contact them back to proceed with closing the account and removing it from my report. I went to the store the same day and made the return as I was instructed. A few days later I contacted the company back to proceed. This is when the associates became rude and combative stating that I agreed to terms and signed for them. This is untrue as I was told I was signing for my purchase on my card and I was n't submitting anything! So essentially, it 's not safe for me to shop at old navy unless I use cash only because I would have no way of knowing what I am signing for because the reps selling the credit card lie. I escalated my concerns with the credit card company and they advised they would investigate this but it would take 60 days. I just received a letter in the mail stating the card will remain on my credit file as I agreed to open it. This is again false. I am confident in my rights as a consumer and very familiar with the laws. I know that per FCRA a financial institution is not required to report an account, but if they do then they must report accurately. Therefore, there is no reason why they will not remove the account that I never even authorized to be opened in the first place. Especially after I was told by their company that they would delete it originally. Why is this call not being reviewed and why are they not holding themselves accountable?

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: Affirm Holdings, Inc
State: IL
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:
In accordance with the fair credit Reporting act XXXX acct XXXX has violated my rights. 
15 USC1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can't furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: TX
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:
On credit reports of all three agencies. Disputed once for incorrect information. Tried to dispute again with a different reason : account too old to be on credit report. XXXX XXXX XXXX  XXXX. Opened XX/XX/XXXX. Last reported and closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Convergent Resources, Inc.
State: AZ
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:
The following debt for XXXX was paid in XX/XX/XXXX not only sid i pay XXXX but i also paid the Oringal collection company XXXX XXXX dollars. After the debt was removed it was resold to convergent outsourcing what appears to be in XX/XX/XXXX. This item was removed from my report over 6 months ago and is now on my XXXX report. This debt has been paid and documentation was provided to XXXX. This item should have not been sold and should not be on my credit reports at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX- Amount : XXXX According to 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 states that 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 2022-08-28
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and US Bankruptcy Court have 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 15 U.S.C 1681b : Permissible purposes of consumer reports

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: NC
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 XXXXXXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2015-10-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery systems keeps putting a collection on my credit bureaus for a debt with XXXX XXXX, says I owe {$260.00}. Have disputed twice with XXXX  and they have removed twice due to invalid acct. Midwest keeps putting it back on, now its on XXXX  also. Have once again disputed with both. Called Midwest and asked for proof of debt since I haven't used checks in years ( im assuming this is a payday advance place ) and they refuse to provide proof of acct. plus the dates change every time they put it back on, now it says first reported XX/XX/2020. My bank will prove that a check has NEVER been submitted for payment for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Waypoint Resource Group, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have had a collection account added to my credit report again for an account that was paid in full for XXXX XXXX. The collection agency is waypoint resource group. The account was paid in full and all equipment was returned and I have verified this with XXXX XXXX in the past. It is unfair that they continue to attempt to collect a debt that is not owed, and extremely unfair and unethical that they continue damaging my credit. The assumed debt owed is for {$310.00} and was opened as a collection again on XX/XX/2021. I have disputed this account yet it comes back verified which is totally false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My interest rates changed and monthly payments are now over {$1000.00} per month. I am a XXXX and can not afford this monthly payment. First phone call-XXXX XXXX : I spoke with XXXX and XXXX. I was told that I do not qualify for any repayment plans because of my co-signers. I have no other options but to pay an amount that I simply do not have access to. I have never missed a payment in the past and was told after three incomplete payments they will turn my over to a collections agency. I was later told that I may qualify for the co-signer release program. The woman I was speaking with submitted the paperwork for the co-signer release program and explained that all I would need to do was sign the form and return it. <P/>Second phone call- XXXX XXXX : I spoke with XXXX . I was told that no paperwork had been started for the co-signer release program and was again told that I have no options but to pay $ 1000+ per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I provided Equifax with police reports proving identity theft as well as an out out Court settlement with  XXXX  Bank  (  also known as  XXXX  ) where they agreed to remove all  XXXX  Bank accounts from my report. Equifax has partially complied with removal, then reinserted information. Furthermore, they continue to report fraudulent, illegal credit inquiries that do not fall under fair use. These must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capitol One : Breach of Contract and Racial Discrimination. 

I submitted my identity documents on 11 separate occasions. I waited the 7-10 business days and heard nothing. 

I called and they first denied I sent them anything, then I recited the case numbers I had and they said that case is closed and I have to start over. 

Excuse me!? I uploaded front and back of my ID on XX/XX/XXXX. I called on XX/XX/XXXX ; well within the 7-10 business days! 

That's a breach of contract! 

But that case is " closed ''!? I also mailed copies, including yet another full color set on Wednesday, XX/XX/XXXX. I have sent several. 

Again, I was still well within the 7-10 businesses days for review. A review that has not happened and now I'm told will not happen since I called and effectively started the verification process over again by doing so! 

So, if I inquire about this again within the next few days, they will cancel on case and start the clock on another, and possibly give me XXXX answers within the 7-10 business days. Do you see the circular pattern of illegality occuring here? 

So while I was APPROVED of a {$10000.00} credit limit, they are refusing to release it claiming everything from " fraud '' to " we can't read your id '', then it was " your license is expired '', now it's " we didn't receive anything '' and " we have to start the verification process over again '' to me AND are refusing to allow me to see my credit score, and they are clearly using discriminatory business practices as part of the process. 

On another note : XXXX XXXX XXXX approved me for a loan USING THE VERY SAME ID PICS I SENT TO CAPITAL ONE! This process took only four days start to finish. I have even paid off my current Capital One credit cards with this loan I was approved for, using the aforementioned ID! 

I have sent my ID PICS as jpegs, fax, and in the mail. REPEATEDLY. 

Capitol One 's computer system will NOT allow me to send a CLEAR front pic ; the file would be too large. I told them this 6 times and in writing. And they still insist I use this method, even as they IGNORE the other methods, like mailing copies, that they suggest for me to do, and I have done. 

Again, Capitol One is engaged in flagrant XXXX discrimination and breach of contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: UNITED COMMUNITY BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off our loan XX/XX/XXXX at United Community Bank in GA ( which I believe was sold to XX/XX/XXXX- XXXX XXXX on XXXX our escrow refund of {$1200.00} was supposedly mailed to us. We moved out of state and never received it. 
I updated our address at the bank in XXXX. I called XXXX talked to a person by the name of XXXX she stated she would have it re-issued. On XXXX at XXXX I called again spoke to XXXX she stated she couldnt do anything until 30 days - asked if I could call back after XXXX. Keep in mind its not an easy process to keep calling back. I called back XX/XX/XXXX at XXXX spoke with XXXX after about 15 mins I realized she wasnt much help, I asked to speak to a Supervisor. When she transferred me she sent me to the loss draft department instead of the supervisor line.. each time I have to repeat my information and reverify myself at this point, Ive been on the phone for over a hour. I was then transferred back and specifically ask the man to not blind transfer me to let them know what my issue is, so I dont have to repeat everything again. Well that didnt happen a supervisor XXXX answered stated she was going to escalate my issue XXXX via a form ) and request them to overnight the funds. As of XX/XX/XXXX at XXXX XXXX  I have not heard from anyone. I would like my funds overnighted to me ASAP. 
This is completely unacceptable and a very poor customer experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$1400.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2017-06-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2016-01-29
Company: Pinnacle Credit Services, LLC
State: SC
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:
XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. 
This charge off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

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