BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: Bread Financial Holdings, Inc.
State: CO
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:
I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name Comenity Capital/Seph. I called them inquiring about the charge along with the reporting credit bureau. Comenity said they had no record of me and that there was no further information that they could provide to me. I have never inquired with Comenity, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
About 2 months ago I noticed some fraudulent charges on my checking account from the XXXX store. I never had an XXXX  store account before so I called the bank and explained what happened. The gentleman on the phone and I came to the conclusion my card number had been stolen and he said he would work on getting my money back. He ordered me a new card after cancelling my old one and I moved on with my day. About a week or so later I noticed the money was back in my account for almost {$200.00} and accepted the fact they fixed the issue. 

I noticed today when checking my account I was {$170.00} in the negative on that same checking account and noticed they all said miscellaneous charge and so I called the bank to ask whats up. The woman I spoke to talked to her manager and they realized it was because when the investigation had concluded they deemed most of the charges not fraudulent they took the money back. They had sent me a letter about a week or so ago it but when I read it I didn't really understand what it was explaining other than 'investigation concluded no further action needed ' and just put it in with all my other mail and forgot about it. The woman explained there was nothing they could do the charges are valid. I explained again I do not have an XXXX store account and she said there was nothing they can do. I then explained how this made me upset and that I was cancelling my accounts tomorrow and banking somewhere else. She then told me to have a great night and thank you for banking with us and abruptly hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper recently purchased my mortgage from XXXX and they have owned my mortgage for 3 weeks. In that time they have auto debited my checking account 4 times, withdrawing an entire mortgage payment each time. I tried to contact them via their secure message center, their customer service phone number and their social media page and did not get a reply, let alone a resolution. My account was overdrawn by over {$4000.00} and I had nothing but a credit card for groceries, a car payment, bills and daily expenditures. They finally made a statement on social media that their payment vendor had an issue. Still no resolution. Still no direct contact. Still no refund and there isnt a thing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2022 XX/XX/2022 identity theft scamer got my social security number and I use the card and the company restricted told me to dupite of my credit report and call credit bureau did not work and the company rejected my payment and reject my work program and company told they did not work with 3rd person because of frustration account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 I sent written communication to Macys/Dsnb dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Macys/Dsnb dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Macys/Dsnb sent me a letter stating that the information appearing on my credit report was correct. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Macys/Dsnb communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Macys/Dsnb t to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account.  Macys/Dsnb provided none of the above. Macys/Dsnb continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Macys/Dsnb has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Macys/Dsnb dated XX/XX/2020, requesting the same information with same results dated XX/XX/2020. The above illegalities were committed via USPS mail.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: SC
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 have several deregatory accounts that are reporting to my credit report inaccurately. I have sent Experian, XXXX, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.

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 2022-03-28
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:
In accordance with the Fair Credit Reporting act JPMCB CARD Account # XXXX XXXXXX, 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. 

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


In accordance with the Fair Credit Reporting acXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please note there is not actual account number listed for this account.

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 2020-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XXXX I made a {$1000.00} principle payment to my HELOC, it got credited and then reversed. Couple weeks later I found it on my statement listed as unapplied funds. I called B of A XXXX on XX/XX/XXXX spoke with someone and was told it would be fixed in about 2 weeks. Case ID XXXX. In late XXXX nothing so I called again. Manager got involved and I was told it posted on XX/XX/XXXX and I should see it in a few days. Now XX/XX/XXXX and nothing. My XXXX statement came and the {$1000.00} unapplied funds no longer shows but it was not posted to my HELOC or back into my checking account. Called again, spoke to a nice man, he said he would contact someone internal in another depsrtment to get help. Now 1 hr and 12 min later I am still on hold. B of A has terrible costomer service in there HELOC department and basically stole my {$1000.00}. 
B of A HELOC Account number : XXXX Account summary Property address XXXX XXXX XXXX XXXX End of draw date XX/XX/XXXX Beginning balance* {$34000.00} Days in billing cycle XXXX Average daily balance {$33000.00} Credit limit {$110000.00} Line of credit principal balance {$29000.00} Fixed-rate option principal balance {$0.00} Total principal balance {$29000.00} Available credit {$82000.00} *This amount includes finance charges and other fees ( if any ) XXXX Payment information Periodic FINANCE CHARGE {$110.00} Principal payment {$0.00} Current period fees and charges {$0.00} Past due amounts {$0.00} Minimum payment due {$110.00} Unapplied funds** - {$1000.00} New balance* {$29000.00} Payment due date XX/XX/XXXX Automatic payment of {$110.00} will be drafted on XX/XX/XXXX **Please see the Other important information section of this statement

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 2019-06-27
Company: Shellpoint Partners, LLC
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Shellpoint Mortgage Servicing is repeatedly claiming that I do not have insurance for my property and threatening to charge me additional fees for not having insurance. 

I and my insurer have communicated with Shellpoint multiple times, but Shellpoint refuses to acknowledge that I have all required insurance in good standing. 

Shellpoint continues to threaten and harass me about extra fees they intend to start charging me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: FL
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:
I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Last reported date : XX/XX/XXXX Last active date : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX 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 2022-01-27
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a letter on XXXX to all 3 credit bureaus a letter letting them know that I was unaware of there collections. it is affecting my credit and by law they have 30 dasy to look into this problem and give a response in which that I not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-11
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: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, DeptedXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is 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 2021-04-26
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: Account information incorrect

Complaint:
I had a HELOC open with XXXX XXXX XXXX. Monthly Automatic payments were setup and made on the XXXX of every month. XXXX XXXX XXXX confirms receipt of those payments having been received and posted to the account, however XXXX is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with XXXX and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 to file a complaint with XXXX, XXXX  and Transunion. I have called placed numerous alerts on my credit profiles. I have explained that there has been fraud on my accounts over and over. I have had fraudulent accounts removed only to have the accounts added back. According to the FCRA, I was to should have been notified, there hasn't been a validation of debit even without numerous disputes asking for verification. I have received nothing. I called and advised of the difficulties this has caused. I have had the same collections removed and added back without proper notification. I am asking that the accounts be removed. I have also enclosed proof of the 3 collections, one collection is a medical bill, this violates HIPPA as there are different laws that state medical information can't be shared, and this is direct violation as it listed the bill as XXXX XXXX, without proof this belonged to me. Next, their is a service listed for XXXX XXXX, under XXXX XXXX, this has been removed twice only to be added back, without notification of attempts to place the debt back on my credit reports, this is direct violation, once it has been removed, there has to communication or writing before this can be placed back, this hasn't been done. I am asking that this be removed once more. I have reached out to each bureau and asked that this be validated and nothing. That is another violation. Just stating updated doesn't validate, there has to be proof. All XXXX agencies use their 30 days to wait only to return validate without proof or actual description other than " agency validate '' This alone would require that the debt be removed. Lastly, according to the FCRA whoever this debt belong to once the original creditor dismissed this debt, it's unfair practice to place this one my credit report, as this hasn't been proven it belongs to me. The collection agencies should have notified me, the law states it must notify me within 30 days before being placed back on again this was not done. The resolution I am seeking is to remove the collection as each agency has violated my consumer fair credit rights. Thank you.

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 2023-08-27
Company: Experian Information Solutions Inc.
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:
XXXX removed the alleged debt from their credit file. Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.

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 2023-03-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Somebody created an fraud account with XXXX XXXX using my name and tried to transfer money, in the amount of {$20000.00}, from my Citibank savings account ending in XXXX to the XXXX checking account ending in XXXX. This was initiated on XX/XX/2023. I called Citibank the same day ( XX/XX/2023 ) and informed the representative I was speaking with that I did not authorize this transaction and that it should be cancelled. The cancellation was then initiated per my request. I received e-mail from Citibank stated that they've stopped payment for this transaction and stop payment request will remain in effect permanently. But in few days this transaction was executed. After investigation Citibank sent me letter where they explained ( using wrong statements ) why they can't return money to my account.

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 2021-04-27
Company: Account Control Technology, Inc.
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've received a letter from Account Control Technology INC. who claims that XXXX has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
President Biden has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.

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 2021-04-27
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXXXX/XX/XXXX failed to bill my insurance. I am on XXXX and under XXXX rules I can not be billed for a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NJ
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, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation