BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX/Comenity Bank I have a statement that shows New balance - {$15.00} due by XX/XX/XXXX. I paid that balance stated on XX/XX/XXXX and XX/XX/XXXX, my account was now paid in full. I then closed my account. Today I received a bill for {$2.00}, it is what they 're calling a trailing fee, that was charged to my account on XX/XX/XXXX. I called them, makes no sense, they wo n't take the fee off. This is soooo wrong!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: MD
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:
XXXX has a collection account on my report I have no knowledge of. I have had the same carrier the last 6 years and its not XXXX. I contacted them and they dont even have my social or ID / its my name similar thats it - they are reporting false information and its not my account -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I tried several times reaching out to direct express about this fraudulent transactions XX/XX/2020 XXXX XXXX XXXX, XXXX, PA ATM CASH WITHDRAWAL {$700.00} XXXX XXXX, CA CASH PURCHASE {$780.00} still have not received any funds back from any provisional credit this results in my bills being paid rent is due i need my money now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them 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 2020-09-07
Company: EQUIFAX, INC.
State: CA
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:
I have sent in letters over 65 days ago to this bureau and they are disregarding a regular consumer dispute. They have caused me to have emotional stress due to their continued lack of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: NV
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:
They are posting inaccurate information on my credit reports. I was NEVER late!!! They are saying I was 30 days late and it is not true. They have admitted that they were wrong and sent me a refund check for the late fee. I have been going round and round with them for almost 10 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
All student loans were discharged by Veterans XXXX XXXX  discharge XXXX 2015. Navient refuses to remove debt and late reporting on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: MoneyLion Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan was paid XX/XX/2019 to XXXX XXXX XXXX, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: NV
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:
i have tried several times with Equifax and each time they have come back claiming that it is being reported accurate and this item is being reported like its a credit account but it is a judgement from court i would your help to have this item to be reported correctly. 


Equifax Account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and ic system ate reporting information on my credit file that does not belong 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 2020-09-08
Company: Wilber and Associates, P.C.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They threatened to have my license suspended and told me they were an attorney with a law firm. They threatened and coarse me to give them a credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Self Financial Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: GOLDMAN SACHS BANK USA
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: Credit inquiries on your report that you don't recognize

Complaint:
dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts

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 2018-09-24
Company: PRESTIGE FINANCIAL SERVICES INC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX it shows that my balance on my Auto Loan increased {$270.00} between XX/XX/18 and XX/XX/18. It went from {$17000.00} to {$18000.00}. I pay at least 14 days early every month and my interest rate has dropped due to good payment history. I was not offered a reason for the increase. This caused my credit score to drop XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months include that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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: Information belongs to someone else

Complaint:
They have SEVERAL addresses in Texas and I have NEVER EVER lived in Texas. They also have my ex-husband 's current address as MINE and again I HAVE NEVER LIVED THERE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I originally opened a credit account with Capital One Bank. During that time, I made regularly scheduled payments with automatic bill pay for this account. My payment history was exceptional, so I received a credit increase. However, the account was closed shortly after I made a full payment on the balance. The only remnants of an account is this collection placed by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of 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 2019-02-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that were opened fraudulently.

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 2018-04-05
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Dear Sirs I would truly like your help. In the year XX/XX/XXXX I filed for Bankruptcy. The judge told me in my first hearing that I was not to pay any bills going forward. The court, trustee and attorney fees took priority etc. I had a check from a PAY DAY loan and I asked about that as well and was told that NOTHING was to be paid. 

I was discharged in Bankruptcy Court on XX/XX/XXXX. From the beginning I notified every creditor that I had filed Bankruptcy including the Pay Day Loan people. 

XXXX XXXX continues to try to debit the money from the check the last being this week causing me overdraft fees of almost {$30.00} I am the sole support for my XXXX XXXX   daughter and XXXX grandchildren under the age of XXXX years old. The fees are devastating and should XXXX XXXX be able to take that {$300.00} now after almost two years it would be devastating and put me in a homeless situation. 

Please advise me as to what I can do to stop this terrorizing from this VENDOR. 

Best regards, XXXX ( XXXX ) XXXX Each time a man stands up for an ideal, or acts to improve the lot of others, or strikes out against injustice, he sends forth a tiny ripple of hope, and those ripples build a current which can sweep down the mightiest walls of oppression and resistance. XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX <XXXX> To : XXXX <XXXX> Sent : Wednesday, XX/XX/XXXX, XXXX XXXX PDT Subject : XXXX XXXX Fw : Important ACH Notice Good evening, I just sent an email to your company concerning my account. I filed for BANKRUPCTY mid to late XX/XX/XXXX and my BANKRUPTCY was cleared in XX/XX/XXXX. It included the checks written to your company however you are still trying to take the money out of my account which is causing me overdraft fees as you can this is the latest. I never EVER authorized auto deduction from my account. Why are you continuing to try to ROB my account of monies cleared through my BANKRUPTCY almost two years later and causing me stress, anguish and money I do not have. 

XX/XX/XXXX IMPORTANT ACH Overdraft Notice PHONE INQUIRIES TO : XXXX XXXX ( XXXX ) Account : XXXX Transactions posted on : XX/XX/XXXX Dear XXXX XXXX XXXX , The following ACH debit items were returned : Description Item # Amount Reason XXXX XXXX ( EDI PYMNTS ) XXXX {$300.00} NSF The following fees were charged to your account : Amount Type {$29.00} RETURNS 1 @ {$29.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Acccont information is being reported incorrectly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I don't even know where to begin with how upsetting this current situation. Not only have they been effect in dropping my credit score, they have also proven that even after 5 years of loyalty and never missing a payment they could care less. For those looking to join Capital One, don't waste your time communicating with the lower level staff. I have recored conversations of over 6 different employees who do not even know how to calculate the bill cycle date. So if you need any clarity regarding you account good luck, because they managers do not no either. They only reason we were able to determine the correct way to calculate the new dates, was by looking at my past credit statement. Im sure your thinking what do does that do me right. But wait it gets better. If your looking for transparency your in the wrong place. With my knew experience I get this over whelming feeling that they are intentionally trying to target you. I prove that point my simply pointing out their app.The only thing the app is good for mining your data and providing useless information. Case and point why provide only the statement date that's past an don't the current one?! They only provide information regarding your due dates and if you are familiar with trying to improve your financial worthiness you would know that your STATEMENT-DATEs are the most important dates to look out for. So with that being said, Capital One is only trying to manipulate a certain level of economy status. Why else change formatting of statement dates from concert to floating dates, and leaving the method of communicating these new terms through a 5 sentence paragraph that can easily be misinterpreted based on your perception of how and when to count from the due date.!!! These people are con artist. If I leave you with one thing I would say READ YOUR STATEMENTS AND IF YOU SEE SOMETHING FUNNY. CALL ASK FOR A MANAGER, RECORD THE CONVERSATION AND GET READY FOR THEM TOO DO NOTHING. They can mislead you and leave you with a sorry. If you miss anything on them they can charge XXXX $ and report you to the credit. Everyone is screaming about taxes in politics but no one is taking about regulating and saving us from these corrupt cooperate giants. I DARE ALL OF YOU IF YOU HAVE A CAPITAL ONE CARD TO CALL THEIR SERVICE RECORD YOUR CONVERSATION AND POST THE AMOUNT OF TEIR EMPLOYEES THAT DO NOT EVEN KNOW HOW TO CALCULATE OR ARTICULATE HOW TO DETERMINE THE CYCLE END DATE. I have 6. Lets see how high we can get!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit reports from XXXX, XXXX and TranUnion in XXXX as usual and have not received them

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 2019-02-23
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I have submitted a few complaints on serves trying to fix my life after Identity theft, these operations I put my whole life in to would not stop people from accessing my accounts, I have a few questions that really concern me, I was selling on XXXX my kids where young I closed my Auction House in Colorado of 7 years, went online XXXX was new payment where mailed and Paypal came along, I said how cool is that email money so I signed up and opted in to the stock options don't the 10 % of my sales went to it all was great fast payments, then they started with Holding money taking money out of account making other bills bounce and you could not do a thing. Anyway a few years later they did something I'm still trying to figure out those options disappeared and there was purchase % that u got back just like all card do. What happend to my stock options?? Now for the main thing I'm working with FTC following my recovery process and PP called them 8 mo 6 mo 4 mo, and also when it went on in XXXX of 2016 my primary email XXXX was having hackers taking it over I lost control of it so I switched to a XXXX I also moved in with my GF I change it all on PP. Any way The hackers crashed my site on XXXX 15000+ 100 % top rated. I told them to help me and it was not me doing all that bad service, The crooks were changing my shipping address and my ship out times and passwords it was a nightmare PP put dual security I thought good did not help one bit. The text with the code would bounce out before I could read it, So their bright idea was to lock me out. They left everything selling, I would see it sell and customers would pay so I would shop it out, Then I was contacted by a long-time customer asked what's wrong? I said what do you mean. He said he received a letter XXXX they sent it to all my customers I'm taking thousands the letter stated that I was selling outside of XXXX as parameters which I was not it's not true!! then all the customers started returning the products they didn't come to my address they went elsewhere? XXXX? I moved my address was updated to XXXX customers called me and said they were starting a return and not sending the product back and they got to keep {$520.00}. XXXX XXXX nothing I could do I closed I disconnected Paypal and left my balance in the +, I'm supposed to be protected I know all about online safety after 25 years. So I heard. im 4000 or more in the red they were selling on my account after I closed, I made police reports and begged for help I just lost my only source of income and Every time I called in it was 4 hours and no help. I lost everything I had built. Now they help can't get a 1099-k 8 months ago and asked every time still sending it to XXXX I told them where I live, people calling in pretending to be me and getting my money and things Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am trying to refinance my mortgage and Factual Data/XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2018 I sent debt validation to XXXX XXXX, they did not respond. alleged amount {$380.00}. 
On XX/XX/2018 I sent a dispute letter to the Credit Bureaus, EQUIFAX, XXXX, and XXXX, and they did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, INC.
State: GA
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:
These accounts were previously deleted from my credit report as reported on Consumerfinance.gov website, Equifax has reinserted these fraudulent accounts and this has caused harm to my credit standing. Im asking to have these accounts removed as previously reported to the CFPB. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief