BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: Southwest Credit Systems, L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In early XXXX of 2018, I ported my number over from XXXX to XXXX XXXX XXXX. I had already received my bill from XXXX for the month of XXXX. Once I ported the number over I contacted XXXX for an updated bill because my invoice was for the entire month of XXXX. I ported my phone number over in the early part of XXXX which would mean I did not owe the entire invoice that they had sent me. On three separate occasions I contacted them to send me an updated bill. The next thing I know, in XXXX of 2018, I get a collection letter from XXXX XXXX XXXX with whom I disputed the debt in writing. I thought the issue was resolved and attempted to contact XXXX again as I was trying to use the phone I had with them for my daughter. I found out once again that they were claiming the balance for the full invoice was still owed and they would not release the phone, even though it was paid for in full, and they were holding it hostage for the payment of the invoice. In XX/XX/2018, I got another collection letter from XXXX XXXX XXXX. Then again in XX/XX/2018, another letter came from Southwest Credit. It would appear that XXXX outsourced a disputed account two more times without validating the amount owed as requested or sending an updated invoice, which was also requested. I do not owe this entire invoice. I only owe a portion of it. I can not contact anyone at XXXX and Southwest credit has not validated the debt even though I have requested it in writing. 
Southwest credit has again reported this to my credit bureau. I am at a loss for words for the strong arm tactics of XXXX  XXXX and their collection agencies trying to force payment of an amount that is not owed. 
All I want is an updated invoice showing the date my service with them ended and I will gladly pay for what I used and no more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized card use, had PIN written on card, claims were denied due to me not maintaining the private PIN number, was further denied even after explaining that consumer negligence does not increase liability,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company, PHH Mortgage, failed to pay my property taxes in XXXX even though my escrow balance had the funds to cover it. I did not learn of this until XXXX when I was filing my taxes. I tried contact them many, many times to remedy, and ended up paying the property myself, including late fees. Every time I contacted I kept being told that it was being contracted through a third party and I needed to be patient. I was never informed anywhere along the way of this status, or if my mortgage company needed anything from me. 
PHH is now refusing to reimburse me for the late fees. I've since closed my escrow account with them so I never have to go through this stress again. That is thousands of dollars of my money that PHH held onto for months.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo would hold deposits for days, they charged unnecessary fees.

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2021 I sent a letter regarding the inaccurate payment history on my credit report. To this day over 60 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been over 60 days so they should be deleted promptly. I demand these account to be updated or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data.

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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received this card without my agreement. My store credit card was moved to a comenity credit card without notification or consent. I didn't want to cancel the card as I didn't want to hurt my credit. Needless to say I have never used this card and it has never left my house I was recently sent a notice that my payment was due. When I looked into it, I discovered a long list of fraudulent transactions on my card. This seems impossible because ( as I said earlier ) I have never used this card. So it seems the company couldn't keep my information secure. Something that I think should also be looked into. 

I called on Wednesday, XX/XX/XXXX and tried to dispute the charges but was put on hold for over 40 minutes before I gave up. I then tried messaging them under my account on their website. This was also on XX/XX/XXXX. I asked that they remove the charges and cancel my card immediately. I also informed them if I didn't receive a response by the end of the week that I would file complaints. They have yet to answer me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Excessive calls after I told them when I would pay for the period. They call first thing in the morning, sometimes multiple times during the day, and at night by the end of the business day. Far more than an appropriate amount of phone calls even if I am late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My miles are suddenly gone from my account XXXX Monday XX/XX/XXXX I had an XXXX XXXX trip in my shopping cart I had applied all miles from my account ( XXXX ) This trip XXXX to XXXX was for our XXXX wedding anniversary as well as my wife 's birthday ( both are on XX/XX/XXXX ) I have spent the last 6 months planning this special trip I had a room at the " XXXX '' as well as a XXXX XXXX from XXXX all with XXXX XXXX was going to finalize Tuesday XX/XX/XXXX. I logged in Tuesday XX/XX/XXXX I noticed all my miles gone, I looked for the XXXX XXXX trip but I could not find it anywhere. In a panic I called XXXX I was transferred to the " fraud desk '' I spent the next 3 hours on the phone with " XXXX XXXX '' I was made to close my XXXX linked with this email and open another, XXXX XXXX kept stating it is my responsibility to keep my account secure she stated that on XX/XX/XXXX my email address was changed and I was informed via email I NEVER received any email I asked for her to resend she stated it was not possible If my email is compromised, how come only this account is affected? How do we know that this is not related to XXXX  XXXX XXXX in XXXX or the more recent XXXX XXXX XXXX? 

I have been affected negatively in the following : I can not use my preferred email for XXXX I have been put through 3 hours of wasted time with XXXX XXXX XXXX, I was informed I had to file a police report which I did with XXXX XXXX Sheriff XXXX XXXX Case # XXXX. 
I can not book our XXXX anniversary trip due to no miles. The police report takes 10 business days before I can get a copy. 

I asked pleaded with XXXX XXXX XXXX to connect me with her supervisor as I felt this needed to be escalated XXXX XXXX said she would pass this to her supervisor to date I have heard nothing. 

I feel with the " changes '' being implemented that something has happened behind the scenes Why no emails? 
Why no names in username Why no account # for username I understand about 2 step authentication it is now being used it would solve XXXX XXXX of all unauthorized attempted logins. 

I want to state this I am VERY careful with my data I use a random generated password on all my accounts that I change every 90-120 days THIS WAS NOT DUE TO NEGLIGENCE ON ANY LEVEL FROM MY END

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: 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 FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX  Balance Owed : {$5100.00} XXXX XXXX XXXX  Balance Owed : {$610.00} CHILDSUPPORT XXXX Balance Owed : {$40000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed XXXX {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$590.00} 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
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-01-11
Company: Upstart Holdings, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
According to XXXX XXXX I had good odds of getting my car loan refinanced with a company called upstart. On XX/XX/2023 after a soft pull I was given a quote and they asked to do a hard pull at that point. What they didn't tell me was they had mileage and usage limitations. I wasted my time and damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: U.S. BANCORP
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: Account status incorrect

Complaint:
During the Cares Act in 2020 I was Flagged Late on my credit report for the Months of XXXX and XXXX although I still made my payments. From my understand Banks and creditors were not suppose to report late payments during that period. I was affected tremendously by COVID-19 with my work and health all at once. I reached out to my creditor and they failed to listen to my request of removing the late payments on my credit 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 2023-11-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: MO
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:
Today is XX/XX/XXXX. I have been disputing these inquiries since at least XX/XX/XXXX. I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to Equifax they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX,  XXXX XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: ACIMA CREDIT, LLC
State: UT
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: Their investigation did not fix an error on your report

Complaint:
Acima Lenders located in Utah. Has put in my Experian account that I have a loan or a merchandise between range {$4000.00} which I Absolutely Do not Have Any Product of Thiers. I need to Buy a new car and it's affecting my credit with the lenders. XXXX XXXXXXXX XXXX XXXX Thank you for your Time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Resurgent Capital Services L.P.
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: Was not notified of investigation status or results

Complaint:
Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which XXXX, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a capital one card in XX/XX/2021 I used it for XXXX send a XXXX payment in for more to do XXXX suddenly my card was blocked for fraud I sent in copy of dl s.s. card and bank statements they still have not activated my card nor show where I paid XXXX on my payment but they have reported to my credit for non payment and my credit score has dropped over 100 points I made contact today and they said I need to send them my actual s.s. card I advised I would be filing a complaint after they refused to let me speak with a supervisor I refuse to send a payment till my card is not locked and activated and they fix my credit report that they have messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I tried to log in to my Amazon Store Card Synchrony Bank and access my account but I was forced to agree to some online terms. There was nothing else clickable on their site to continue to my account except " agree ''. Then I was locked out of my account due to " we are having technical difficulties please try again later ''. This went on for weeks. I could not access my account online at all and I needed my balance to pay the card. The account worked fine the months before. Customer service wanted my to alter my computer settings to log in and I refused. No other financial institution that I do business with does this. Finally I was allowed to know my balance and the card was paid but I still have no access to statements, fees, alerts, settings, or balances! The same issues constantly happen when I try to log in, I am forced to click " agree '' then I get the same error stating THEY are having technical difficulties not me on my end.

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