BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/XXXX - placed order for 4 appliances with AXXXX XXXX XXXX logged in to check on delivery of order to discover that 3 of the 4 items were on backorder, called XXXX XXXX to determine their delivery date. XXXX XXXX  could not tell me when they would be available. I asked to cancel the entire order because I needed all 4 items. 
XXXX XXXX XXXX had still not cancelled the order. XXXX XXXX stated that 1 item had shipped and there would be a charge of XXXX. I provided documentation from XXXX showing them that the item had not shipped ( see pages 4-5 ). 
XX/XX/XXXX - I received a partial refund from XXXX XXXX 
XXXX XXXX field a dispute with XXXX XXXX for the remaining balance. ( pg 3 and page 7 ) XXXX XXXX XXXX  sent a letter saying dispute was under investigation. 
XXXX XXXX XXXX refunded a partial amount leaving a balance of XXXX which I was still in disagreement over. 
XXXX Commenity Bank sent a very vague letter. 
XXXX I called and spoke to Commenity and they stated my dispute had been closed due to the XX/XX/XXXX partial refund. I stated I disagreed with that outcome and am still disputing the XXXX that had been withheld. I was connected to a supervisor who reopened the dispute and asked me to send the XXXX documentation ( pages 4-5 ) as evidence that the item had not shipped and a full refund was due to me. 
XX/XX/XXXX - Received a letter from Comenity saying the dispute was under investigation XXXX Comenity sent another letter stating they could not fulfill my request. 
XXXX Called and spoke to Comenity and explained they reached the wrong conclusion and that because 1 ) XXXX XXXX had not been transparent up front about items being on backorder they caused the order to be cancelled and 2 ) that the item had never shipped in accordance with the XXXX XXXX. I stated I would not pay the bill and that I was totally dissatisfied with how Comenity handled these 2 disputes. I stated I would file a complaint with the CFFB. Comenity then asked if I would talk to another supervisor. I was then placed on a 10 minute hold and connected to a staff person at XXXX XXXX who refused to help me. Comenity Bank was deceitful and did not tell me they were connecting me to XXXX XXXX. Once I found out I explained to them that I thought I was speaking with Comenity and that they were supposed to be acting on my behalf. 

Comenity Bank has acted on behalf of XXXX XXXX in this entire matter and has not represented me in any way. Comenity wants to put money in the hands of XXXX XXXX at the expense of the consumer. XXXX XXXX never told me that my first dispute was not resolved, I only found this out when I phoned them to follow up on the issue. Comenity Bank is not in compliance with federal credit card laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX- Discovered on my credit report that the debt collector, Genesis Credit Management , LLC had reported a {$1600.00} debt to all three credit bureaus. 

Prior to that, I have not spoken to, nor received any mail or communication about this debt from Genesis Credit Management LLC. I was completely unaware that the debt would be turned over to the credit bureaus. I was not given a chance to verify, nor dispute OR been notified that I could dispute the debt. I was completely blind-sided until I saw my credit score. I was also not aware that this debt would be turned over to collections ( Genesis Credit Management ). There was no contact throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: EQUIFAX, 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:
Original Creditor XXXX XXXX removed lates in XX/XX/XXXX, and sent notice to all 3 credit bureaus. Credit report agencies have not remove lates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I disputed this matters but no response from XXXX XXXX, XXXX  or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, INC.
State: MS
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:
HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this account was paid in full and close buy the consumer please removed any negative information from this account. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid or paying as agreed Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments

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 2020-12-03
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I requested a deferred payment due to the pandemic on myXX/XX/XXXXXXXX XXXX with fifth third bank. They informed me I had 6 months until my next payment. I called back today and they informed me its half a payment each month for 6 months. Its showing late on my husbands credit and mine. I made a payment today to get caught up. Can you please update the late status on my credit and my husbands. This pandemic financial options are new to us and confusing. Please help us. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: CITIBANK, N.A.
State: PA
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:
Your company check my credit without my consent to ... meaning improper use of my credit report and I have no account Cbna, XXXX XXXX, 2019 XXXX XXXX, XXXX XXXX 2019 XXXX XXXX, XXXX XXXX 2019 XXXX card, XXXX XXXX, 2019 XXXX XXXX XXXX, XX/XX/ 2019 2019

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 2023-11-02
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Nordstrom/Td Bank {$2200.00} for a credit card I never received due to XXXX XXXX XXXX XXXX XXXX my USPS mail XXXX 
She stated she charged {$5000.00} and Nordstrom credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. 

On camera XXXX XXXX XXXX used it inside Nordstrom XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. 

I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/ I reported a fradulent charge against my bank in the amount of $ XXXX on XXXX The name of the merchant was shown as XXXX XXXX. According to Chase Bank the charge was made with a physical chip-enabled card and after an internal investigation, Chase has refused to reverse to fee. 

My wife has been hospitalized for almost one year and her card was in her purse at our residence all of that time. Nobody had access to her card and it has not been out of the house during that time period. 

I requested and received a phone number for the merchant and spoke to her yesterday afternoon. She indicated that she operates a massage business and her records to not show a charge of {$210.00} on XXXX 

Chase Bank says they have investigated the claim and found that the transaction was processed according to the information provided and was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

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 2021-03-02
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Unbeknownst to me, I received an alert a few days ago from XXXX  monitoring that I have collection activity. My mind was indeed blown as Im currently in the process of purchasing a home. Midland debt collection was listed on my credit report and I have no idea who/what this is for. So of course, I call and tried to piece the puzzle together. Unfortunately they couldnt give me much detail other than the original creditor and the amount owed. I asked for some type of documentation as I dont recall ever applying to this company. They basically repeated the same thing and wasnt helpful. I requested a debt validation letter and they could not provide. I asked for a contract/statement but to no avail. This is extremely frustrating as I have absolutely no idea how this could have happened to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC # XXXX is violating my consumer rights by reporting negatively on my credit report. 

This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida  to collect debt, I've asked accounts to be removed by both credit bureaus and LVNV FUNDING LLC both have failed to removed the erroneous account from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating consumer my rights. 

I'll also be reporting them to the FDCPA as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: Experian Information Solutions Inc.
State: AR
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed out a letter to Experian Consumer Reporting Agency in regards to several accounts that never belonged to me that I noticed on my credit report. It has not been over 60 days I haven't received any correspondence from Experian since my initial dispute. My dispute included accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX. My identity theft report # XXXX was clearly documented outlining specific details regarding my dispute. Since the mail was not returned to me I can only assume Experian has failed to abide by the Fair Credit Reporting Act by not responding within 30 Days of my initial dispute. Instead of responding to this complaint by saying they will initiate a dispute, Experian must comply by removing the accounts in question that are mentioned above from my credit report. This is the law and there should not be any exceptions.

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 2020-04-02
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is Debt Recovery Solutions XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, Debt Recovery Solutions failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) Debt Recovery Solutions failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation Debt Recovery Solutions is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where Debt Recovery Solutions is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. Debt Recovery Solutions has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT PROFILE THAT I NEVER OPEN OR SIGN FOR.

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 2023-11-07
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called to try to have the fees removed. I also called for a payment arrangement. They said my account would close.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Barclays, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

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 2020-04-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I RECEIVED A LETTER IN XXXX REGARDING THE WELLS FARGO CPI CLASS ACTION SUIT. I HAVE A TRACKING NUMBER AND CALLED ONE TIME A MONTH SINCE XXXX AND ALWAYS GET A SCRIPTED RESPONSE FROM THE PERSON THAT ANSWERS. I HAVE NO IDEA WHAT IS GOING ON OR WHEN TO EXPECT ANY ANSWERS. I AM VERY FRUSTRATED AND DON'T KNOW WHAT ELSE TO DO.

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 2023-07-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly Update all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and 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 2017-12-07
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation