BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: Bread Financial Holdings, Inc.
State: IN
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:
Opened the account XX/XX/XXXX. On XX/XX/XXXX I paid XXXX to Comedity Bank/Victorias Secret . The payment was processed on XXXX XXXX. On XX/XX/XXXX I received a secure message stating my credit limit was being reduced to {$100.00} from {$200.00}. I called and asked why and she said because i was late on payments last year. I told her i havent been late and kept a low balance since XXXX.she agreed. On XX/XX/XXXX XXXX  reported they dropped my limited and reported i had a balance of {$44.00}. This dropped my score. Is this legal because im building my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2016, Shellpoint enacted a foreclosure on " Borrower '' property. 

The foreclosure was rescinded without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : 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 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 2023-06-21
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: Information belongs to someone else

Complaint:
Transunion I have reviewed some information on my credit report that shows an inquiry that I never authorized. Please delete this fraudulent inquiry : XXXX XXXX Thanks for your understanding. I have attached proof if ID and Address, as well as the Police report.

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 2023-01-26
Company: EQUIFAX, INC.
State: AZ
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 would like to have the following account removed from my credit report : Child Support Enforcement There is a balance being reported of {$1100.00}, but I have NEVER been late on any payments. I will enclose the PDF proof of my account and payments. Since child support does not report positive payment history to reporting agencies, the account should not exist on my credit reports at all. 


I have disputed this account multiple times. but the reporting agencies are not actually looking into the validity of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: SYNCHRONY FINANCIAL
State: CO
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:
I have filed several disputes with the Care Credit and they refuse to honor my dispute for a charge nor investigate it further due to the dentist claiming he provided the services although I'm saying he did not render services. I am currently in the process of an open investigation with XXXX against the dentist and have asked them to hold off payment until it is resolved, which they have refused to do as well as review submitted documentation again.

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 monetary relief
Consumer complaint received 2018-05-15
Company: BANK OF THE WEST
State: CA
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:
On XX/XX/17 my credit was ran and I am now showing a hard inquiry on my credit report from this creditor. I did not authorize the creditor to run my credit and I d not have an account with 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 2018-05-15
Company: RICHLAND HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
During the Month of XX/XX/2016, I had a XXXX XXXX done at XXXX XXXX XXXX in XXXX Nevada. The cost of the XXXX per the statement i received was reported as {$1000.00}. Of this amount, {$760.00} was paid by my insurance leaving a balance of {$250.00} which was billed to me as my portion. I called the XXXX XXXX XXXX and told them that I was unable to pay the balance off right away and that, I would like to make payment arrangements. They refused to take payments and as a result, reported me to a collection Agency known as XXXX located at XXXX XXXX Nevada. XXXX intend reported me to the Credit Bureau as owing {$470.00}. I disputed this amount with the credit Bureaus but they said per XXXX record, the amount of {$470.00} was verified to be correct. 
I contacted XXXX and requested the breakdown of the charges and also the reason why they are asking me to pay {$470.00} instead of the {$250.00} bill that was originally sent to me. They have so far refused to give me the breakdown or the reasons why they arrived at {$470.00}. I do not believe I owe {$470.00}. I am willing to pay the {$250.00} but not the {$470.00} they asking me to pay. I do believe they are ripping me off. I am a XXXX years old man in poor health with XXXX and this people are trying to rip me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-01-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or delete the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on an XXXX XXXX card and a XXXX XXXX XXXX XXXX card. The two cards only show on my XXXX XXXX report. They are not showing on my XXXX and Experian reports. XXXX XXXX was contacted this month and they stated that they have been reporting the cards to all three credit bureaus as of XX/XX/2020 and every month thereafter. After contacting XXXX and Experian, they are stating that they have never received the information from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION XXXX MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE XXXX XXXX XXXX IDENTITY THEFT XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent my FTC Letter to the creditors and they still have not removed these items from my credit reports and by law I do know that you can have a account that is reporting as closed charge off with a balance that is due and none of the following accounts have been removed from my credit reports.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had money in my checking account and made a transfer to my wife out of state. Then got emails saying that I owed money for the transfer and then was hit with a overdrawn account. There was more then enough money for the transfers and fees for this. So I let them close the account I never dealt with them again.

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 2018-05-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint:
In XXXX-XXXX of 2017 I was unable to make payments due to being out of work. I was not receiving any income due to a medical leave of absence. I am up to date with all payments and made back payments as well. Please consider removing this from my credit score as I was unable to control hospitalization. I am now trying to purchase a home and due to my low credit score, I am being denied the loan amount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Nationwide Recovery Systems, Ltd
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I found out I owe Nationwide Recovery Systems {$900.00}. I called them XXXX, the number reported on my credit report, I spoke to an agent to settle the debt. I settled for {$540.00} and asked for a letter sent saying the debt was settled. The agent stated yes but only sent me a receipt. I called back spoke to the agent again and he said he cant send me the letter until 30 days. I said I wish to speak to a supervisor but he placed me hold brought on a supervisor who sounded a lot like the original rep. The supervisor said I have to wait the 30 days but if I want it now I have pay the full amount. I explain that was never explained to me, I explain I need that letter but he said pay the full amount and if I keep up this attitude then they wont settle my debt. I stated im going to report them to the CFPB and they said maybe they can do it in 10 days but to call them at XXXX and ask for XXXX XXXX. also he refuse to escalate my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CITIBANK, N.A.
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am under a debt of 3 credit cards amount total to XXXX/- ( XXXX XXXX  , XXXX XXXX and citibank ) i am under financial constraint from last 6 months, although i used to pay minimum amount due every month i get n number of calls without any reasons. i want to stop this calls as i understand the due is very high but i m ready to repay it in installments still i get calls at any time.i am single mother hence it becomes difficult for me to pay the amount on time. pl help 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 2021-10-05
Company: EQUIFAX, INC.
State: NC
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 collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( Equifax XXXX XXXX XXXX & XXXX ) of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Karma, on multiple occasions, has told me I was guaranteed approval for credit card or they would pay me I think it was {$50.00}, and that my credit would not be affected. Neither of those things turned out to be true. I was denied for cards I was pre-approved for, ruining my credit. I was never offered {$50.00} or anything else for that matter. This has happened 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  has repeatedly issued fictitious loans against my Florida property without any appraisals, any regulatory safety measures and has continually misrepresented facts and using government officials, government resources and government employees to aid the fictitious loan schemes. 

The notaries, attorneys and clerks are acting under unlicensed activities and do not have the authority to endorse any loans and fictitious loans without appraisals with repeatedly signing off in my absence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A client reached out to me expressing interest in my rent-to-own property, which required a 20 % down payment to secure the home. After a brief bidding process, we selected the client who submitted the highest bid, which included a down payment and several months ' worth of rent paid upfront. To ensure the safety of the transaction, I requested a certified check for the funds, as it provides a guarantee of available funds. 

Upon receiving the client 's certified check, I deposited it into my bank account. However, to my surprise, Truist bank placed an unexpected hold on the funds. Although the amount was significant, I had encountered larger transactions in the past without facing such delays. Consequently, I did not anticipate that my account would remain on hold for over a year, causing significant disruption to my financial plans. 

Initially, I was informed by the bank that the funds would be released within a week, which prompted me to proceed with signing the contract. Rent payments were made on time during this period, but eventually, I encountered difficulties in communicating with the client 's representative, XXXX. It was then revealed that the client 's husband, who had issued the check, had tragically passed away in the property. 

The check, which is still on hold, poses a challenge as the bank insists on issuing a new check. However, this is not possible since the owner of the original check is deceased. To substantiate my claim as the owner of the property in question, I will attach a news article regarding the incident. Additionally, verifying the ownership of the property can be done by searching the Secretary of State records, which will confirm that the property is owned by the brand name XXXX. 

While this unexpected situation has created difficulties and financial strain, I am hopeful that with proper documentation and evidence, the bank will release the funds, allowing the rent-to-own process to proceed as planned. Due to my understanding from a truist banker the check was put on hold because the check was issues to XXXX XXXX and not XXXX XXXX which both companies I am the owner and might have been some confusion when discussed to but entertainment and not my real estate company XXXX XXXX XXXX how ever I have no way of getting this check reissued and the hold for verification of funds have been well over a year or almost a year to and funds are clear in my account. I am looking for real help on getting this issue resolved as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-01-26
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was refered to you by your attorney Generals office. On XXXX/22 I sent a certified bank check for {$60000.00} from the pnc bank in XXXX XXXX to the pnc bank at XXXX XXXX XXXX in XXXX XXXX Florida to account # XXXX in the account name XXXX XXXX a XXXX XXXX XXXX. I now know it was a scam as he is in trouble with the authorities in Florida. I am told he wants to return the money to me as he was never able to withdraw the funds in the first place. He can not contact the bank as I am told he is XXXX XXXX XXXX???. I have tried on numerious attempts to see if this is true with PNC bank but they will not give me any information. All I am asking is my money still in the account at PNC bank? so mabey I can get it back or is the account holder not telling the truth. I am a roofer and that is a lot of money to me, if I have a chance to get it back it would be nice?? /, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation