BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The comenity website has been down for a week and they wont answer their phone to make a payment. My payment was due today and I couldnt make it on time because of their system being down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XXXX XXXX XXXX XXXX 2022 my mortgage was transferred without my knowledge from XXXX XXXX XXXX XXXX XXXX California to Fay Servicing in Chicago. I then recieved a letter from Fay Servicing dated XX/XX/2022 which contained my XX/XX/2022 mortgage check for {$1000.00}, which was of course made out to XXXX XXXXXXXX XXXX, since I was never notified about the transfer. 
So I immediately sent Fay Servicing a new check for my XX/XX/2022 mortgage made out to Fay Servicing plus an additional check for my XX/XX/2022 mortgage payment, both of which they have declined to credit to me or even acknowledge in any way. I did ask them when I sent the payments to please send me a Fay Servicing account number and have not heard from them at all, one month later. 
Am elderly and this is causing me terrible stress to the point that it is making me physically ill. 
Would so much appreciate any help you can provide me with this. I know it is illegal for them to reject my mortgage payments and now I am getting ready to send them the check for XXXX 's payment. Not sure what to do at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX sent a certified letter to Equifax on XX/XX/XXXX with the tracking number " XXXX XXXX XXXX XXXX XXXX XXXX ''. It was received and signed for by Equifax on XX/XX/XXXX. They have completely ignore my request to remove the following inquires requested from my consumer report. It has been well over 30 days since they received my dispute and by federal law they must remove the following inquiries requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Aldous & Associates, PLLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Aldous & Associates, P.L.L.C. is lying about not reporting to the credit bureaus when they already have. 

I called and asked about settling when their client earlier offered me a settlement offer when I was hurt badly from an accident I wasn't at fault for. 

They refused to do anything settlement wise and hung up on me when I reminded them they were not the debt owners and I would attempt to negotiate with the original creditor due to their practices. 

I attached the proof of them reporting in XXXX and lying and said they haven't XX/XX/XXXX. 

They also lied about the frequency of emails when they told me they tried numerous times to reach out. I received 1 prior email ( proof of that is also attached. ) I was hurt and am finishing settling a car accident insurance case, I'm doing the best I can and I don't appreciate being lied to when making an effort to make efforts to settle due to my XXXX. 

I am also attatching proof of me attempting to work out a repayment plan with the original creditor today for a settlement price higher then the one offered in XXXX due to the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to make a payment for my Sony XXXX XXXXard issued by Comenity Bank for the last week. The website is down and the customer service phone number are not responding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I went to XXXX for a free consultation on my teeth to possibly purchased some invisalign from this particular dentist located in New York who has also an office at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. During the consultation with a salesperson who took photos and information on my behalf I was told that I could get a loan for {$1800.00} from XXXX a company who gives loans to purchase their products. I was reassured that I was not under any obligation until I would get my teeth 's evaluation. A few weeks later I got their results and I was told that invisalign would not make a difference on my teeth. Obviously I decided NOT to purchase the product and in fact I never ordered it nor did I ever received it. 
Nevertheless XXXX and XXXX fraudulently made a loan ( see the many bad reviews on XXXX ) which I did not authorized. I called them multiple times and tried to send emails but it could not reach them. I did not want their loan. I never authorized it. I did not want their product after the consultation nor did I received the product, regardless I have a loan with XXXX showing on my credit report as a thirty day late from that loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
When contacted, they refused to take negative mark off debt even though it has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I ordered a phone from XXXX. I was told the phone would have either a XXXX or XXXX day ship, but it took longer than that. I reached out multiple times to XXXX and spoke to multiple representatives. In the beginning I was told my order did not ship out yet, then that it just shipped, and lastly that they couldnt find my order at all. After hearing all of this I was frustrated and decided do cancel the entire order. I called XXXX & was told that the order was already shipped and told to contact XXXX. When I called XXXX, they stated that they havent received my order at all. I then spoke to XXXX  again and they gave me the run around. I was then told that the order was canceled and I had nothing to worry about. XXXX went by and I noticed XXXX XXXX tried to take different amounts of money from my account at different times. I visited my local XXXX and they called the collection agency and tried to get everything disputed. Before I left I was told by the XXXX experts that everything was handled and that the debt would be disputed and removed from my credit report. That never happened. I went back a little while later and did the whole process over with XXXX The agency told the experts that they did in fact dispute my claim but they put it back on my credit report due to phone usage & the phone account being used. Again I told both XXXX and the agency that I did not receive the phone, it was NEVER delivered to my home, due to me canceling it. I told them that when I spoke to the representatives I was told my order was successfully cancelled. I told them again and again that I do not have possession of the phone or any of XXXX equipment. Im not the individual that used nor opened the account etc. The XXXX representatives even stated to the agency that they have no active account in my name, and that its obvious Im not the one using the device or the account. The {$560.00} was then removed from my credit report for about a couple of months, & it is now back. I just want to get this handled. This has been going on for way too long.

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting 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:
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-11-29
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: Information belongs to someone else

Complaint:
I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
When I purchase my used Toyota XXXX they add Gap insurance and maintenance warranty without my knowledge as soon as I know I cancel all the Gap and warranty but still I am paying interest on the canceled {$9000.00} gap and maintenance warrantys and as of todays date they didnt credit my account for the cancelled services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX again over the weekend on the XXXX XXXX and spoke to XXXX and I sent a letter attach with the response again from the courts XXXX and XXXX refuse to supply me in writing the name and address of the persons reporting the public records and also stated tgat they don't have too but for states that they are suppose to so again I tried and I ask is anyone u can speak with thats higher than consumer affairs each advise me no I even ask for ceo they refused

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 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my bill on the due date, XX/XX/XXXX at XXXX pm on the due date- but Capitol One didnt post the payment until XX/XX/XXXX causing me to be charged a late fee of {$40.00}. 
I have asked to have the late fee removed but their computers wont allow that to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-29
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got unauthorized charge {$250.00} on XX/XX/XXXX from XXXX and {$190.00} XX/XX/XXXX from XXXX XXXX I called zelle company, they can not do anything for me and ask me to call bank. The bank ask me to call zell. I want to get my money back because I got fraud. This is my first time to get fraud and zell company should help people to pull money back. 

Under Regulation E, zelle should help client to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was a victim of fraud on Friday XX/XX/2022. A company who I thought was XXXX XXXX had reached out to me via text message. I looked up the company and saw it had a good reputation. So I filled out the application and gave them a call. They told me that they did not give out loans to people with a credit score less than 700, so I figured it was over. But they said they could put an influx of money into my account. I told them no, but they did it anyway in the amount of {$3200.00}. They wanted me to send the cash back, which I was able to send them {$1500.00} back via XXXX XXXX XXXX. That is when I realized I was being scammed. I called USAA to report it and they were great. Until they denied my fraud claim and also cancelled the check which put my account in the negative {$3200.00}. They took my entire paycheck and left me unable to pay my rent and my bills. I was able to use the left over {$1700.00} from the scan to pay but I still had to pay another {$200.00} after that. USAA left me high and dry and with no way to survive monetarily. They have done nothing up to this point even though Ive been calling. It has gotten to the point where I have had to borrow money from family and friends and I stopped banking with them and got an account at another bank. I do not know what else to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXXwestlake financial scv, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-04-25
Company: EQUIFAX, INC.
State: GA
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 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 2022-06-27
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Bank unauthorized inquiry not authorized by 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 non-monetary relief
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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:
My credit score is being incorrectly affected at all three of the credit rating agencies by an issue that happened with XXXX that was a mistake on XXXX  part. I have contact all three of the agencies about this and have not received a response. I have submitted a dispute online for each of the three credit agencies with not response. This is adversely affecting my ability to get a loan. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate the immediate action done by the Credit Bureaus to remove some of the fraudulent accounts and information that have been reported on my Credit file. However, I noticed that there are still fraudulent accounts and information that are reporting on my Credit file. I have read that under the Fair Credit reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus are still reporting the disputed accounts without properly verifying the disputed accounts. I am submitting this account to request the Credit Reporting Agencies to remove the disputed accounts and information that are still reporting on my Credit File. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX Owed : {$55000.00} XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation