BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$2000.00} XXXX  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 2022-12-01
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had this card for several years and pay my balance in full every month.In the last three months they started charging interest claiming that you must pay the entire balance in full, whatever they have on the statement, regardless of whether you made a return to the store before the end of the statement period. The topper is that you must the pay interest the next three months until you get back in their good graces!! This is regardless of whether you paid in full and on time.

Then you have a credit balance which they will return to you within the next couple of months! 
My credit score is in the 800s and I have never heard of anything so ridiculous before. 
I have spoken to two layers of management and their comment is Comenity gets paid first regardless of whether you owe them that money or not. XXXX, XXXX etc. do not do this. You can pay exactly what you owe. 
I had a credit before the end of the billing cycle and I checked my balance on line and paid in excess of the amount due and that wasnt good enough, I had to pay the amount on the statement regardless of whether I owed it or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!

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 2021-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I set up a XXXX $ a week payment arrangement .. I was able to pay XXXX XX/XX/2021 and should have been good for months from this point on The collection department has called 5 to 10 times a day since stating I'm late I called to find out what happened to my payment arrangement and they told me it was void cuz I paid to much and that's not how it works .. I was repeatedly interrupted when asking I asked several times for a supervisor and was passed off to another non supervisor who would not give there info so I can file a complaint. I called back asking for a corporate number I was given 2 numbers that directly brought me back to collections.. I've asked them for covid help and got nothing I've asked for supervisors got another collection agent. They have lied to many times setting up promises of hope then without notice canceled my payment plan

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 2022-12-01
Company: Experian Information Solutions Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
This company is stealing and selling my information please help me get my information correct please. Ive called them numerous of times and they refuse to help me out they saying Im In debt {$5000.00} when I paid off my loan this is unacceptable I can even get a loan from a bank.

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 2021-07-28
Company: EQUIFAX, 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:
File a dispute with XXXX, in XX/XX/XXXX and XX/XX/XXXX. I have 2 accounts that show status date XX/XX/XXXX and XX/XX/XXXX XXXX  did not investigate nor the companies I will upload the proof of my report on each account. Ordinal status dates from when account was open. I want these 2 accounts deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I would like to report about fraud items in my credit report. I do not recognize these accounts and my personal data was used by someone. please delete asap

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 2023-04-13
Company: CITIBANK, N.A.
State: IL
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 balance transfer

Complaint:
I had a balance transfer # XXXX expiring on XX/XX/XXXX for {$3900.00}. Which would then go to 19.49 % on XX/XX/XXXX per their transfer agreement. So on XX/XX/XXXX I paid {$400000.00} to roll over to XX/XX/XXXX per their new offer. Somehow their system did not apply the payment to the XX/XX/XXXX balance at 19.49 % but reduced my other open balance transfer due XX/XX/XXXX which was {$4000.00} on XX/XX/XXXX to {$1200.00} which was at 0.99 % already! and instead of creating a new balance due for around {$4000.00} due XX/XX/XXXX it only shows for {$2200.00} at 0 %. I have called many times since around XXXX and talked to various customer service people that are clueless.I even went in person to a Citibank branch in XXXX XXXX and they got me on a special line to repeat it all again. That person at least credit me the 19 % charges for the month of XXXX of {$64.00} but nothing yet on the other months : XXXX $ {$44.00} ; XXXX {$68.00} and XXXX {$59.00}! Last time I called Citi XXXX weeks ago they said would be fixed in about a week! That would have been last week! I need all those amounts credited and my balance transfer to be due on XX/XX/XXXX for {$4000.00} at 0 % and the screwed up one due XX/XX/XXXX for about {$4000.00} at .99 % asap!

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 2021-07-27
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a loan with Sun Trust Bank, now called Truist Bank. I started working with XXXX XXXX XXXX. I was told to stop paying and they would negotiate with Truist Bank on the loan. After a couple of years of default, I never received anything in the mail from them. I assumed they were working with XXXX XXXX XXXX. The next thing I knew, I had a received some paperwork from the courthouse in the mail. They had supposedly sued me and when I didn't respond in 30 days, they tried to get a judgement from the court. I was never served. Thankfully, the court dismissed the case. I'm working with the lawyers that contract with XXXX on a resolution but because it got so far they are asking for a ridiculous amount of money they know I cant pay. I'm upset with XXXX XXXX XXXX for allowing it to get to this point. I was under the impression they were negotiating with them. Furthermore, when I asked if I can try to settle on my own, they advised against it. And second, I believe Truist Bank is being unethical. They know they did not serve me and still tried to get a settlement from the court since I didn't appear even though I was never served. The attorney on this case are XXXX XXXX in XXXX, Arizona. I'm frustrated because I feel I'm being taken advantage of in this matter. I believe the law firm is trying to see if they can get away with it even though I was never served. XXXX XXXX is trying to wash their hands of it as well.

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 2022-04-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, my COINBASE account got hacked i lost {$2300.00} from coinbase investment and {$1500.00} from my bank account that was linked to my coinbase account ... all i got left from my portfolio was {$0.00}. i never get help form coinbase, they even end up locked my account ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TD BANK US HOLDING COMPANY
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:
FRCA Violation name
XXXX XXXX  FRCA Violation loan
TD AUTO FINANCE
FRCA Violation collection
XXXX
FRCA Violation loan
XXXX XXXX XXXX  FRCA Violation enquiries
XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Bank XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry: XX/XX/XXXX
Finance/Personal
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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.

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 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 explanation
Consumer complaint received 2018-09-19
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After finding a collections account on my credit report, I contacted XXXX XXXX, who had reported me to Receivables Performance ( filing a separate complaint about them ) for {$350.00}. I have never heard of this company or had an account with them. Initially XXXX said there was no account with my name when I called them XX/XX/21 at XXXX. They told me to file a police report and email that and my photo ID to them at XXXX. This seemed odd to me. I called again XX/XX/21 and asked how they could have reported me to collections if there was no account in my name. Then they found an account with my first name and my last name spelled XXXX instead of correctly as XXXX. They wouldn't give me any additional information about this account, but instead told me I needed to contact the collections agency to get the account number, address and date of bill from them. The collections agency says to leave voicemail, but then has a full voicemail box, so I couldn't leave a message. When I asked to speak to supervisor I was told there weren't any as company was under bankruptcy.

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 2020-01-30
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-06-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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