BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX attempt to open credit card account using my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: EQUIFAX, 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 at the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC. 1681. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX # XXXX and 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 : It also states a consumer reporting agency can not furnished my account without my written instructions.

15 U. 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 credit reporting act.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: GOLDMAN SACHS BANK USA
State: CA
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 want to pay my installment balance on my Apple Card. I cant. Im told no interest is accrued but I still want to XXXX out my balance. This will allow my credit report to show XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Greetings, I have repeadley inquired as to the reason WHY my Master card ending in  XXXX  has not been removed. The account has been closed and inactive for more than 2 years. I need a response as the WHY the online profile can not delete this info.

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 2022-12-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX XXXX, XXXX, I tried to access my credit card information through the online system. I was not able to access my account with my current password and username. In addition, a new feature appeared on the website requiring me to fulfil a two-factor authentication. I called the credit card company that day, and I spoke with a customer rep who informed me that many people are having problems accessing their accounts online. I was informed a new IT update had been installed and was not allowing customers to log in with current passwords and usernames. I also informed this person that when prompted to enter a two-factor authentication, which provided a code to my email on file, was never delivered. At that time, I was told to check all spam areas, but there was not code sent to my email on file. I was told that an IT person would contact me on a specific date, which did not happen. I did receive a call on XX/XX/XXXX ( 6 days later ) regarding this issue. This customer rep left a message and I called back. I informed this person of the issues I was having and was instructed to use a different browser to log in, which I did while I had this individual on the phone. No browser allowed me to login to my account with current password or username. I was told that my government email might be the issue ; however, I told the rep that I have never had issues not receiving emails with my government email account. And, on XX/XX/XXXX, I received a marketing email from the credit card company. I was told that an issue ticket was created on behalf detailing the problem and issue would be resolved. As of today XX/XX/2022, I still can not access my XXXX  XXXX  credit card account online and no one has called to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
US Auto Sales was a company that misled consumers and this company is no longer operable. This company seemingly had gone out of business overnight leaving customers scrambling and also confused. I am perturbed, and befuddled, and now am in need of a car.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XXXXXXXX XXXX Important dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - vehicle turned in via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received saying vehicle has not been turned in XXXX - letter sent via certified mail to XXXX XXXX XXXX debt owed and that I had turned in the car to XXXX XXXX Have XXXX XXXX XXXX XXXX this point who says they do not have the vehicle XXXX - letter of past due as of XXXX for {$16000.00} XXXX - show up to XXXX XXXX and they miraculously find the vehicle in repairs due to battery issue, at this point I think fraud might be part of this ; unhelpful until I called the police to report the vehicle stolen and they buy the car from me then XXXXXXXX XXXX XXXX XXXXXXXX XXXX who says they are unsure if they can help, but get someone in sales to say this all checks out, call XXXX XXXX and am told that head sales guy will call me back to get it sorted ; he calls back later that day with email to send all documents and timeline to XXXX - send email that gets kicked back, though it says can take XXXX XXXX to deliver XXXX - reach out to head XXXX XXXX who has yet to respond

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 2022-12-22
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have multiple accounts linked with my account that I am unaware of and want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I signed up for XXXX XXXX I signed up for only 6 months to help my cousin that worked for the company at the time. I was then contacted by another representative to verify everything including membership and I made sure that I made it very clear that I only wanted 6 months of insurance for my truck because once the 6 months were up, I was being added to my husband 's insurance. Once the 6 months were up, I received a call from XXXX asking me if I wanted to do another 6 months or 1 year with the company and how expensive it was. I declined immediately! I kept my roadside assistance but the insurance was done after 6 months. I never signed up to have car insurance with XXXX for an year. So they kept threatening me to put it on my credit like it was a credit card or like I used services that I never used. I've paid for the 6 months of insurance I had and that was it. They are definitely coming after me fraudulently for a balance that I do not owe on top of adding extra charges to the original amount. I'm not responsible for whatever the representative messed up on. Please do remove this from my report please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I purchased an online coding training service from a company called XXXX, the amount I paid is XXXX USD. The service is a one-year subscription for any course offered on their website. 

I started XXXX XXXX XXXX Interview : Patterns for Coding Questions course shortly after the purchase. I was halfway through the course and was suddenly notified that the course will no longer be available, instead, I was introduced to another course that was supposed to be a replacement. 

Worried that I will lose any further progress on the old course, I switched to the new course even though the old one is not yet expired. The new course : XXXX XXXX XXXX XXXX in XXXX has multiple issues. 

To start with, the descriptions of course are not always clear. 

Another issue is with the online submission tool, this thing is buggy, and lacks debug function. I have to do all my code offline. 

The last issue is on the discussion function for any of the solutions, I was expecting some forum where I can discuss things with other learners, while the ask a question section is usually clean, and no one seems to be asking any questions. 

For the above reasons, I contacted XXXX XXXX to cancel my subscription on XX/XX/2022. The company refutes my request on the second day, saying it does not meet its refund policy. 

On XX/XX/2022, I talked to Chase, the credit card company that issued the card that I used for this purchase. I requested for a dispute on the purchase because I am not satisfied with the services I received. However, Chase replied that any service purchase, at the moment when the service has been used, does not qualify for a dispute. Therefore they can not start the dispute process for me on the purchase I made. 

The service I received is a one-year subscription for any course XXXX offered, the actual usage for me is XXXX courses, none of them completed. The total time I spent on the website is less than XXXX months, much shorter than XXXX year. I think I should be qualified for a refund, and Chase shall not refuse to start the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a copy of my credit report regarding XXXXXXXX XXXX XXXX XXXX XXXX  and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/XXXX  which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary. 
Please send correspondence via mail regarding the changes.

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 2022-08-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I signed up to not have overdrafts processed and Truist has been allowing overdraft fees anyway. I physically signed up in their app and advised them to not allow anything to be processed that I dont have funds for. I called and they told me its at their discretion and thats a lie. I declined overdrafts and it needs to be adhered 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 2022-08-27
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
a girl i didint know well asked to use my account too transfer money from her account to mine. she didnt have i.d so i said it was ok she transfered money too my account she couldnt wait for the bank to open on monday so she asked if i could send the money to one of her friends i said yes. she sent more money too mu account and wanted me too pull the money and give it too her so i did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Wells Fargo been with them since XX/XX/2004. Last 3 yrs escrow has been an average of {$2500.00}. A year. This year they dropped it down to {$1400.00}. Then asked us to pay {$2200.00}. Because of there estimated mistake. Our house payment went up over {$300.00}. Until payed up.

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 2022-08-29
Company: Flexible Finance, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Flex is a company that pays people rent in halves. I was charged XXXX by the company without my authorization and my rent was not even paid by Flex. Already struggling with my bills, Flex set me back even further. I immediately disputed the charge with my bank and after about a week the dispute was approved and I was refunded. Now, Flex is claiming I owe another {$400.00} and if it is not paid promptly it will be sent to collections and reported on my credit. 

I never authorized Flex to attempt to pay my rent, take money from me, or anything of the sort. I have emailed Flex numerous times trying to get this resolved to no avail and they do not have a phone number. I have been scammed and money has been stolen from me and now Flex is trying to take more and threatening to make my credit look bad and I feel as though I am a victim of minor identity theft as I never authorized this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: United Funding Logistics, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I signed up for this service based on seeing some videos on XXXX and reviewing customer feedback. 

By XX/XX/XXXX I had had my initial consultation with the agency. Upon the time the call was set to start no one reached out. XXXX, a supervisor who is no longer with the company for deleting data and defrauding customers per the CEO, was let go and has charges pressed against him. 

XXXX never submitted my data, deleted my data, and every time I called in over the last 90 days I was told to just call back and they would review it and set up another consultation. I was lied to every step of the way. 

Last week, I called in to file a complaint with the company, and spoke to the Director XXXX, who promised me that my data was submitted and they had it in their systems, and would scan it and email it over to me the following morning. He never did. 

I ended up writing XXXX on XXXX and XXXX to explain the situation. He was able to call me the next day and express his deepest apologies for the absolutely horrible service, advised me on the ongoing charges and why he fired XXXX. He promised to make things right and personally handle my claim. He advised he would follow up the next day, and never did. I called in, and was told he would call me the following day. He never did. I sent several emails to him, no reply. On friday, XX/XX/XXXX I was told I would get a phone call from him today, I advised I would be filing a lawsuit and passing this on to my Attorney XXXX XXXX. He followed up again over XXXX to advise he would be in contact with me on Monday, today XX/XX/XXXX. He never called. 

I called in to speak with him and got XXXX, the XXXX who told me to file a lawsuit. 

This company needs to be investigated for fraud and mishandling of personal information. Will be filing a complaint with the Texas AG as well. 

XXXX, you had every chance to make this right, and I am sorry you didn't follow through with your word. I told you several times I did not want to go this route.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the past two days, Comenity Bank has called me 4 times within 60 seconds. They do not leave a message. On one instance, I had answered and told them to only contact me by mail - to which they then hung up on me. They have not respected my request. They are harassing me. The number that keeps calling me is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: RFNA, LP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Im not sure on the date the loan was processed but I did get a loan with Republic Finance and the total pay back was XXXX.Im not even sure how I qualified and the lady that closed my loan never asked me about collateral, never tried to update anything, except a paystub. The lady then told me upon signing my paperwork ( and I'm not sure why she would make this remark ) but that they dont take single mothers to court for non payment. After losing my job they of course started to contact my references and told my mother they were going to take action against me. Ive worked in collections and I know that is something you never tell anyone. I know there is no way I qualified for that loan with the income to debt ratio I had and was told they made the loan to meet quota.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: MOHELA
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: Account status incorrect

Complaint:
Account balance is XXXX or {$0.00}. Credit reporting needs to be updated to reflect this amount as PAID IN FULL or XXXX BALANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reporting double accounts credit reporting agency did not verify that is trying to be collected under 2 different accounts Not reporting accounts being sold nor reporting account XXXX balance once sold. Last date of payment untrue. Will not provide proof of any verification of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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:
I asked the credit bureaus to do a thorough report. After doing that I still found inaccuracies on my report through my own thorough research. This is for XXXX XXXX XXXX In accordance with the fair credit reporting act 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 : 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