BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
- I use credit reporting services including XXXX, XXXX XXXX and XXXX, all of which reported on XX/XX/XXXX that the company had closed my account. 

- I never received ANY notification or email or mail about this from the company/bank itself. 

- I have never been late on any payments on the {$6000.00} limit XXXX  visa credit card issued by Comenity Bank, and my credit utilization has never been above 12 %. 

- I had a credit inquiry by XXXX just before the comenity credit card was closed. 

- Upon calling the customer service, they first told me they'd refer me to the XXXX XXXX agency that informed them of the change in my credit report when I asked them the reason for my account closure. I asked them if the reporting agency made the decision on closing the account, and they simply hung up. 

- I called back a second time, and this time they transferred me to a phone line for a different company altogether. 

- This company is predatory in its promotional practices and entices users with rewards programs, while not providing any necessary communication or explanations for their outsourced customer service which doesn't seem to have anything beyond XXXX lines of script.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of XXXX. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )

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 2022-02-11
Company: I.C. System, 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:
I am an identity theft victim.

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 2023-04-27
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business and have business accounts at a separate bank. On XXXX my business account had some unexpected transactions pop up that were going to make my business accounts overdrawn. I wrote checks for the exact amounts needed from my personal Wells Fargo account to keep the business account from going negative. My personal account at Wells Fargo has a Line of Credit attached to the account to cover any overdrafts should they occur. However, before the overdrafts occurred my business had an influx of deposits so on XXXX I wrote checks back to the Wells Fargo Account for the exact amounts to cover the checks to avoid any potential overdrafts. Because of this, I ended up NOT having to use the Wells Fargo Line of Credit. My Wells Fargo account currently has a positive balance, but today I was sent an email without warning or explanation that they are closing my accounts. Ive tried to contact someone who has any insight so I can explain the situation but havent been able to discuss this issue with anyone. I even called this evening and was put on hold by a lady for 45 minutes after she transferred me only to have their automated system tell me they were no longer accepting calls. Ive been with Wells Fargo since XXXX. Im very upset as I can not access my accounts and have checks that are written and now I have no idea if theyll be paid or kicked back. Any help would be greatly appreciated. 
Thank you.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 2021-07-09
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : PROG MGT SYS Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MA
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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681. Section 602 A 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 1681c. ( a ) ( 5 ) Section States : No consumer agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

Account Name : XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX .... 


XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXX SVCS Account number XXXX .... 


XXXX XXXX XXXXXXXX Account number XXXX .... 

XXXX XXXX XXXX Account number XXXX ... 

XXXX Account number XXXX .... 


Account name XXXX XXXX Account number XXXX ... 

XXXX XXXX Account number XXXX .... 

XXXX Account number XXXX .... 

XXXX XXXX Account number XXXX 

US DEPT OF EDXXXX Account number 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 2023-02-04
Company: CITIBANK, N.A.
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: Was not notified of investigation status or results

Complaint:
I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of XXXX and it still has not been reflected in my credit reports from XXXX and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within XXXX  days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the XXXX code.

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 2022-03-02
Company: Bread Financial Holdings, Inc.
State: PA
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:
Comenity Bank The account was paid in full in XXXX ( online ). Apparently, there were residual finance charges of a few dollars that were added after I paid the account in full and was unaware of these finance charges. When I became aware, I paid them. They have DESTROYED my perfect payment history by reporting historical 30 days late for XX/XX/2022. Technically, no payment was late and it is illegal to report late payments on residual finance charges. I have asked them to update and remove the 30 day late reference which they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been with Nationstar Mortgage for over 2 years. Our original loan was a principal/interest loan, when it was sold ( previously to XXXX ) it changed to include an escrow account. 2 mortgage companies later, we are at Nationstar Mortgage. Last XXXX, we were hit with an unusually high electric bill as well as having an accident in our RV. I fell behind 2 months on our payments. We tried to modify. On our 3rd trial payment, I realized that our 2nd trial payment was returned. So, I tried to reapply at their suggestion. These 3 trial payments were put to the back end of our loan, not the past due months, therefore by this time, it looked like e ere 4 months behind. In the meantime, they decided that we " make too much money '' and could therefore afford our original payments and denied the 2nd application. By the time we got things figured out, they required me to make 9 of said-12 late payments, draining our entire savings. I think this should have caught us up but it did n't. Anyway, I kept us at 2 months behind by continuing to make a payment each month since I could not afford to pay extra to catch up, hoping to catch up with my husband 's XXXX bonus. I missed a payment deadline by 1 day and now they will no longer accept my payments unless I can come up with 3 payments. They will not work with us in any other way. Because of all of this, our credit is shot and because of that, can not modify or refinance with anyone. At least when we were still with XXXX, they were willing to work with us when they added on the escrow acct, Nationstar is beyond not helpful. Oh, and my " account specialist '' is never at her phone, at least 3 times has told me that she had n't received emails because she left early, and seems to know less about my account than the other customer service reps in the call center. Another thing is that when I sign on to my account, I get a big msg " due to XXXX, our interest rates have gone down. Ask how we can lower your payment '', they told me we make enough money and do n't need our interest rate lowered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023, I received an alert to XXXX account about a new collection inquiry on my credit file. The collection account that is illegally reporting on behalf of the FCRA law with invalid debt, is Southwest Credit Systems with the original creditor, XXXX XXXX which is on behalf of Spectrum internet services. Since XXXX is the wifi provider for my household as of today, I called XXXX the day the collection was reported, to confirm my XXXX balance and good status with the company. Spectrum did confirm on the phone call, that it was a mistake on their end and stated they would send a dispute form to Southwest Credit System on behalf of the collection and request a dispute to the credit bureaus. I also informed Southwest Credit Systems as well as the credit bureaus, about our conversation pertaining this issue and requested a dispute through my end as well. Unfortunately once again, my credit file is not being taken seriously with the invalidation to this debt so I am kindly requesting a deep dive investigation with the help of making sure everything on my credit report is properly correct. I would like to get this taken care of as soon as possible since it is pertaining a debt that does not exist between XXXX and I, that is affecting my credit report and credit goals. Thank you for your help in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts : Radius global XX/XX/XXXX {$160.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and account are in violation of 15 usc 1692g under section 5 ( b ). The account and inquiries are a result of fraud and identity theft and by law must be removed since they can not be legally validated. As the consumer and original creditor I do not validate or own these fraudulent items on my credit report. I have contacted XXXX  about reporting these items on my credit report and they were vague and dismissive.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance : {$62000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00}

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 2023-05-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: VA
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 to the fair credit reporting act acts by experian is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX 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 2021-07-09
Company: Experian Information Solutions Inc.
State: GA
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:
I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : 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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I never received any investigation results regarding these accounts I disputed several times : XXXX Account # : XXXX | XXXX/XXXX Account # : XXXX | XXXX/XXXX  Account # : XXXX | XXXX  Account # XXXX XXXX | XXXX XXXX Account # XXXX XXXX | Chapter XXXX Bankruptcy Reference # : 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 2020-08-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for over a month to apply for a 6-month mortgage forbearance plan ( as allowed under the Federal Cares Act ) with Lakeview Loan Servicing c/o XXXX. If you go to their website to apply, it doesn't matter if you are on a mobile device OR hard wired laptop OR desktop computer, it will not actually let you apply for a forbearance. When you submit, it says " CRITICAL ERROR ''. Clearly, with just a handful of items they ask you to fill out, there is no critical error and no reason that this would be happening. It is impossible to actually apply for a forbearance online with them. 

My wife has not been working for almost an entire year. She was recently on Washington State Paid family leave due to the birth of our daughter, and she was slated to go back to work about the exact time that the COVID mess started. She has now been out of work since XXXX and is obtaining minimal unemployment at this point. I truly do have a hardship related to the COVID pandemic and Lakeview Loan Servicing is not allowing me to apply for a forbearance as allowed  with XXXX XXXX loans via the federal CARES act.

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