BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX XXXX  I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments. 

Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested. 

I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( XXXX  ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Made by your company XXXX ( XXXX  ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,

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 2022-11-15
Company: HW Holding, Inc
State: CO
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 debt is for an apartment we lived in. The complex sent us a detailed bill and we agreed with half of the amount they showed we owed. The other half are for items/problems that do not exist. We took pictures and move out videos so we have proof. However, the complex has not been interested in our proof and still have the amount on our credit report as a collection acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: SC
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 am disputing all of the inaccurate information that I found on my credit report. These accounts are not verified and no method of verification was provided to me. Please remove all inaccuracies because it is a defamation to my reputation.

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 2022-11-15
Company: Experian Information Solutions 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:
Hello i am trying to get the credit reporting companies to stop reporting false information on my reports.The three major reporting companies all show multiple errors on my reports.I have repeatedly asked to have the items verified that are incorrect and i am just been runaround for over a year now.I have sent certified notorized letters demanding proof of verification as they are under a legal obligation to do so.I have been lied to by all three companies.I have been told that im not giving them adequite time to XXXX have by law 30 days and i have been disputing the same errors for well over a XXXXXXXX received no responce from any one of the companies with the certified letters sent the first of XXXX XXXX alone violates the laws governing their right to report unverified iXXXX can you say its been verified when you all show accoubts that were never late yet you show derogatory payment XXXX  of these accounts are over XXXX years old and have had XXXX balances for XXXX or XXXX  years but yet you show it as derogatory with numerous missed payments and you show the last reported date as like XXXX XXXX is that possible on an account that has been paid off since XXXX all have notified me that you verified this information.But you have not or you would see you are in violation and reporting false information that is hurting my ability to XXXX look at the XXXX credit all three companies have been showing it as XXXX for XXXX years or so and i have repeatedly disputed this XXXX show it as a 60 month term.If you look at your own report you will see that i have had that account for 22 years, Also it is current and no past due balance is XXXX again false information that you repeatedly claimed to have XXXX a company called XXXX XXXX has repeatedly had hard pulls on my credit that i have not ever XXXX have never had any loans with them other then one of my credit cards is through their company and XXXX XXXX  uses them for offering loans that i never asked for.They show over XXXX hard pulls on my report with them alone.How can this happen if you are following the XXXX Texas staute of limitation on debt is XXXX years but you have multiple XXXX year items reported on my XXXX is it possible that you actually verified the information like you have repeatedly stated to XXXX  am ghoing to contact an attorney and sue for the numerous damages that are being caused by your false reporting of unverified XXXX will be my last attempt to handle this XXXX it is not done correctly with actual verified information and all others removed i will be forced to file a lawsuit and seek compensation for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
I have been trying to dispute all of the inquiries that are reporting on my credit file but it seems to me that they tell me they dont want to removal the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Fay Servicing started paying my property taxes in XX/XX/2022 and when I called several times in XXXX and XXXX and asked why Fay all of the sudden started paying my property taxes ( after 16 years of me reliably paying them on my own ), I was told by their customer service representatives XXXX XXXX, XXXX XXXX, and several other representatives that Fay Servicing had received a delinquency notice from XXXX XXXX XXXX XXXX XXXX that asked Fay to pay my taxes. I asked every one of these customer service representatives to send me a copy of this letter/notice claiming I was delinquent. 
I followed up with this request several times in writing on XX/XX/2022, XX/XX/2022, as well as XX/XX/2022, however, I have not received a copy of the notice/letter Fay claimed to have received from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX other taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: EQUIFAX, INC.
State: OH
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 a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
They're not accurate not even close. Please delete/remove the following : 1.XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXX XXXX # XXXX Never done Business with this company please delete/remove. XXXX & XXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Upon moving to XXXX  alone, I decided to get a dog. I located a french bulldog breeder on XXXX and " reserved '' XXXX of their puppies on XXXX XX/XX/2022 for {$350.00}. I requested a couple weeks to move into my new place then I would pick up the puppy. We corresponded regularly, sent pictures and videos and kept in communication regarding timelines and health of the puppy. Once the " puppy package '' was completed, the breeder requested another {$350.00} which I sent on XXXX XX/XX/XXXX. The day before I was to pick up the puppy, the breeder requested the final payment of {$700.00}, which I paid on XXXX XX/XX/2022. The next day after work, I drove to the address in XXXX, XXXX  provided by the breeder. I arrived at the location around XXXX, and the person at the house informed me there was no puppy there. I reached out to the breeder to confirm address and was immediately blocked. During my drive back home, I contacted my bank ( USAA ) to file a dispute for all three of the XXXX transfers. Yesterday, XXXX XX/XX/2022, my bank informed me they had reviewed the policies and regulations and decided in favor of seller. XXXX holds the money sender liable even if the seller does not provide the goods as promised. There is no buyer protection when using XXXX. USAA requested the external institution of the seller return funds, and they declined. As of today XXXX XX/XX/2022, I have requested the documented used to decide in the favor of the puppy scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: AFNI INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
I made a purchase and change my mind. I contacted XXXX to no avail. I chatted, emailed on numerous occasions. All unanswered with a final one that gave some glimmer of hope- they confirmed the request to cancel was in the cancellation window and even offered ways to have my funds returned. When it was time to confirm the funds were to go back to my card, they said there was some kind of issue and that it would be escalated, and I would hear from them in the next 7 days. I never did. I opened a dispute and explained and sent PROOF of the many attempts I had made, confirmation of being in the cancelation window and being asked how I wanted my funds back. That proves I was correct. BUT Capital One sided with the XXXX and closed the investigation, I even spoke to a supervisor. She told me to send more emails to " build my case ''. I did so for absolutely nothing. Case closed. What in the world do I need them to dispute anything if they are not investing but rather taking the word of the merchant? The merchant that has so many complaints against them? They do not have a number to speak to anyone. I wonder why!! I spent hours trying to cancel. This is horrible and crazy!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2022 XXXX ;. Frost Bank account ending... XXXX Frost 's banking records indicate that an account was opened in my name on XX/XX/2022. 

I have received several emails and letters regarding fraudulent activity. From Social security, to XXXX accounts to checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: GreenSky, LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I try to open an acct and it want let me says they can't verify my identity I look on XXXX and there's a bunch of inquiries thT I didn't do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Check fraud was reported to Ally Banks loss prevention team on XX/XX/22, when it was discovered that a check I had written to a local business was stolen and cashed without endorsement. Since then, Ally has failed to give me regular updates on the investigation, and I was informed today that the investigator has not yet reached out to XXXX XXXX XXXX, where the check was fraudulently cashed on XX/XX/22. I have made multiple calls to Ally over the past two weeks, and have not been given satisfactory answers in regards to the investigation.

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 2022-11-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have debt that I am willing to pay but XXXX will not work with me for a payment that will not hurt my current rent and ablities to care for my daughter. I have called mulitpule times to speak to someone about lowering the payments with no call backs.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XXXX revived a letter by mail where they inform me that I'm behind on my mortgage. I call and after 5 hours of waiting I showed them that they were wrong in XXXX XXXX XXXX my payment was XXXX. 
on XXXX we send payment and to the end of same month we send payment for XXXX the PHH company when they receive the payment and find out was short XXXX they decide to apply my payment to my principal with out authorization of of me or my wife. no call no email from PHH Mortgage and now they want late fees they report to the credit company 's. I spoke with the scalation team name XXXX employee # XXXX they told me they going to try to fixed. and after got another letter on XXXX where the try to charge me another XXXX for escrow same thing call and to today no respond from them. 
the problem with the company all the call go to XXXX over there no idea how or who can fixed. 
My NamXXXX XXXX XXXX XXXX # XXXX. I need help they need to they need to return the charges and fix my credit

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 2022-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The Bureaus did not respond to my request for the removal of an inaccurate account in my credit file. My account with CAPITAL ONE is displaying damaging and erroneous information. I have sent requests to the bureaus but I didn't receive any letter and according to FCRA 's law, if the bureaus does not respond to any of my request after 30 days, the account must be deleted or removed from my account.

Company response to consumer: Closed with non-monetary relief