BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-15
Company: Alabama Housing Finance Authority
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint ID # XXXX on XX/XX/2019 against XXXX, which is a division of Alabama Housing Finance Authority. 

Not only has neither company responded to my submission, I have since been locked out of accessing my account online. There has been no communication to notify me of any changes made that might require my attention. An attempt to login shows the notification " The user name and password combination you entered does not match our records. Please try again ''. 

I attempted to create a new online account using my account information, and I bet the message saying " the information does not match our records on file ''. 

Attempts to update my password result in the same type of message, saying the information doesn't match their records. 

Given that my original complaint was in regard to being charged a late fee due to an apparent change in their policy, I'm furious this payment will be late because they've locked me out of online access. I'll be calling them tomorrow, and if it isn't settled, there will be another complaint filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am demanding the deletion of the account PORTFOLIO RC XXXX from my credit report due to FCRA and FDCPA violations. I contacted the original creditor, and they were not able to verify this account. I will attach the response from XXXXXXXX XXXX admitting that they have no record of the account or proof that I am the alleged debt owner. I have already submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you still proceed to report this account. Under the provisions of the FDCPA, it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FDCPA. I kindly request the immediate removal of this account from my credit report within the next 30 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was notified that I my Apple Card from Goldman Sachs card that I had {$1900.00} balance. That news was a shock to me because I did not use that card. I have received the first notification about strange charge on Apple Card on XX/XX/XXXXXXXX  ; I had a XXXX XXXX charge of {$5700.00}. I do not eat pizza. I contacted via text Apple Card, Goldman Sachs bank, and reported that the charge was a fraud. I requested to close that card or change the number on it, at least. I though the issue was resolved, when all of the sudden, I got in XXXX of XXXX  a notice of having an Apple Card bill of {$1900.00}. I contacted Goldman Sachs again, reported the fraud via phone and text, looked into charges, and reported them as fraud in more detail via text. I had charges from XXXX XXXX, dated XX/XX/XXXX. I am an XXXX XXXX XXXX, I do not just pick up and travel on whim as any time I leave my duty station ( I am stationed at XXXX XXXX , VA, since XXXX XX/XX/XXXXXXXX  and reported for duty on XXXX XX/XX/XXXXXXXX  ), I must have an approved leave. I did not travel on XX/XX/XXXXXXXX  On the same day of XX/XX/XXXXXXXX  I had two charges for {$550.00} what looks like XXXX XXXX, daily cash charge of {$47.00}, a charge of {$720.00} for XXXX XXXX, and some fees accrued from those charges I reported the identify fraud on-line after talking to Goldman Sachs representatives several times, mailed the hard copy of the report. Still, Goldman Sachs reported me as I were delinquent on payments. I get calls from some debt collectors. It is unacceptable. I want Apple Gard card to be closed and debt to be removed from credit agencies. Goldman Sachs abused my trust and harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently applied for credit and upon a pull of my consumer credit report was denied due to a charge off which is listed in error. XXXXXXXX XXXX a former creditor of mine continues to report an old account on my report despite the account being written off as bad debt. Since the count is written off as a loss it counts as a write-off for the bank and as ordinary income for me ; however, the bank has not provided me with a form 1099C so that I may file taxes against this additional income. Instead that continue to report the account as charged off on a monthly basis ( which is inaccurate as well because it was only charged off one time and therefore should only be reported once ) they also report it as having a past due balance which is all inaccurate because the balance should be XXXX since they have forfeited their right to collect the debt as a charge off. Given the above, this item should be deleted from my report as it is inaccurate. I have made attempts to request a 1099C from the bank and have not gotten a response ; however, the fact still remains that with or without that form this entire item is inaccurate for the reasons stated above. Deletion from the three major credit bureaus is hereby requested.

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 2022-03-08
Company: TD BANK US HOLDING COMPANY
State: OH
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 rewards from credit card

Complaint:
This is in response the banks statement according to complaint CFPB # XXXX & XXXX I was locked out of my account and lived in a state where there was no TD branch available. I called on XXXX XXXX to gain access to my account. However, the agent told me my only solution was to go to a branch and he can not help me. I also couldn't change my address for billing since I was in Ohio and TD doesn't operate there. Not only until I called XX/XX/2022 was I informed I could mail a notarized statement with 2 proofs of verification. I have not done that yet as my account has already been closed. 

Furthermore, I had more than enough rewards at the time of my account closing ( I believe {$300.00} in rewards ) to pay off my balance in full. Not only was I unable to use my rewards because of account blockage, but I was not informed or suggested that this would be a way to pay off my balance. 

While I understand I was partially at fault, the burdensome process of regaining access to my account made it very difficult to check my balance and get updates on what has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity is purposely misleading and lying to the consumer about Terms of closing a account, the obligations, and create gaps to ensure that the consumer will have to pay more even after account is closed. It small amounts that they charge. But over the total consumer population size. It drastically most likely brings more money in. 

In XXXX. I paid the full amount to close the account out. Comenity said there was nothing left to do. 

XXXX I got an email from Comenity XXXX XXXX that I owed a late fee. Already this contradicts what they said to me in XXXX XXXX 

I called the rep after seeing this email. The rep said she was waving the fee and nothing further needed to be done. ( But when I called in XXXX there was not record of this ) Now in XXXX i get another email This time the amount has gone up. They also charged me interest fee. on top of this XXXX dollar fee plus late fee on top of this late fee. I mean when an account is closed it is closed. And they have lied on multiple steps. Researching on the web this has been a thing the XXXX XXXX has done to many other consumers. 

Also if you pay the amount due by the date and time, which they say they honor. It is nor processed. They will apply the orginal amount and top the interest amount of that. 

It is really seriously evil credit card tactics. And definitively need to be investigated. 

It is really petty theft that in turn is completely taking advantage of consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: BARCLAYS BANK DELAWARE
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:
The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.

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 2023-10-25
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SPRING OAKS CAPITAL LLC Is Reporting on my XXXX report an account which shows as act XXXX with a balance of a balance of {$540.00} I have no knowledge of this account, I have dispute and requested a proper verification and validation, as of the fair credit act the company has not complied. 

I request a immediate removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
LVNV FUNDING, LLC has sued me and got a judgment against me without me being notified in the 1st place of the lawsuit. It does not state who my original debt is with. I do not recognize this debt or the amount ( {$1200.00} ). Their lawyer, XXXX XXXX XXXX XXXX, are demanding personal information that I should not hand over until I know exactly what debt this is and the detail of the debt or proper notice of trying to collect the debt. 
This is improper practice and this company has a long history of unethical practices and having their lawyers harass people. They are behind their lawyers bullying and threats of judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account number : 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 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 2023-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have an issue with the class action lawsuit that was filed with Capital One. I spoke to a representative who stated that they sent documents to my home regarding the class action. I told them I never received such thing. They advised me that there is nothing they can do. How can I be a part of a lawsuit when I don't get proper documents and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/2021. The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There was two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Saturn Systems, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Despite multiple notifications to XXXX regarding the constant reporting of an incorrect amount owed by SATURN SYSTEMS - XXXX, the issue persists. I have repeatedly informed XXXX that I have never made direct payments to SATURN SYSTEMS. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that XXXX is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.

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 2023-10-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, we used a AAA Comenity Bank Visa card to pay for a large medical bill, which was approved. 

On XX/XX/XXXX, I logged into our account online and changed the automatic payment amount from " Statement Balance '' to " Minimum '' to allow us to move money from other accounts to pay the balance at a later date. 

When initially setting up the automatic payments, there was a warning that setting it up could take 1 to 2 billing cycles, but there was no clear warning about making changes once autopay was setup. 

On XX/XX/XXXX, AAA Comenity Bank withdrew the full statement balance of {$12000.00} from our bank account instead of the minimum payment I had requested, overdrawing our accounts on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX couldn't stop the transfer and Comenity Bank couldn't either. The representative from Comenity suggested having the bank refuse payment, which would return the funds to our account but incur a {$28.00} fee. I was told that a second attempt to withdraw the funds would happen that same day but our bank would not process the payment. 

The Comenity Bank representative instructed me to contact them on XX/XX/XXXX to make a partial payment instead after the funds were returned. 

On XX/XX/XXXX, I terminated ALL automatic payments for Comenity Bank and received confirmation via email. 

On XX/XX/XXXX, Comenity Bank withdrew {$12000.00} from our bank again in spite of our telephone conversations and my online activity to prevent it. This time, there were fund necessary to cover the transfer, but those funds were earmarked for other payments. 

On XX/XX/XXXX, I contacted Comenity Bank to have the transfer cancelled as I withdrew my consent and was told that because of the amount, returning the funds would take 5 days electronically. 

I asked to speak with a supervisor who told me that she would NOT return the payment unless I had the bank fax Comenity Bank confirmation of the payment on their letterhead even though they showed the funds already in their accounts. They then said that the returned payment would take 21 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation