BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called Comenity 's fraud dept on XX/XX/23 at XXXX to report fraud on my store card for Express with Comenity Bank XXXX I asked if I could close the store card OR if I could freeze/hold the card to ensure fraud charges don't happen in the future. The rep said I could freeze/hold the store card and call if I want to use it, so I decided to do that. 

I was placed on a hold then the rep came back changing the policy stating I had to close the card and reapply, no freeze/hold is available to me. Now my online account no longer exists and I can not track the resolution of the fraud on my card. This will also lower my credit score being forced to close the card. I have never experienced fraud on any of my accounts and Comenity 's practice, forcing me to close the account and blocking me from viewing the account, plus damaging my credit score is so unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It dates back to 2018, my XXXX insurance was active with XXXX XXXX. I got a XXXX injury, and I was taken to a nearby hospital using XXXX XXXX XXXX. 
I never checked my credit History until recently, when I noticed a collection by XXXX XXXX XXXX XXXX XXXX worth {$5000.00} by the Original Creditor- XXXX XXXX XXXX. 
I contacted the Collection agency and they lied to me that my insurance refused to cover Ambulance expenses and threatened me to pay all amount and when I told them that I would like to talk with XXXX first, collection agency personnel insisted that it is not going to be helpful and I should pay them right now to get rid of collection. They were trying to just rip me off. 

Next day, I communicated with XXXX XXXX and asked them about my coverage for 2018 Ambulance charges and I came to know that, they never received a bill from XXXX XXXX. I asked XXXX XXXX but they told me that claim was sent. So, I put a three-way call between the XXXX claim XXXX department and XXXX XXXX and XXXX parties agreed that there was negligence and XXXX XXXX never sent them a claim, recently that claim was sent and my insurance covered all the amount leaving behind just {$100.00} copay. 

This collection agency, XXXX XXXX XXXX XXXX harassed me on phone call, when I told them about all negligence by Ambulance and XXXX and settlement with them, they were not ready to listen and argued with me and threatened me to pay the {$5000.00} which I do not owe ( as I have already settled issue with original creditor ) and It was never my fault, that they didn't send a claim to my insurance. 
This collection agency is deteriorating my Credit since XXXX years and I do not owe them anything as it was not my fault at all. 
You can call XXXX XXXX to know more about this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
the better business bureau referred me to CFPB because the problem goes back to  XXXX .   XXXX    refuse to correct my credit report and score, my  credit score  was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late,  XXXX  reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report for  ten  years, I contacted the credit grantor and they said they would report the credit file to  XXXX  but to date, my score has not changed.   I want  XXXX  to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my  credit score,  I need help!

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 2023-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior XXXX certifies under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original creditor is Comenity Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX. The amount is {$2300.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX. No additional information could be provided. I disputed this collection with XXXX. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I currently have a Comenity Bank account that was opened in XXXX that I am in good standings with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Dynamic Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by XXXX XXXX XXXX XXXX ) who states that her supervisor is XXXX XXXX from Dynamic Recovery Solution. XXXX called me from XXXX. She stated " is this XXXX XXXX? '' to which I said " yes ''. She then asked if she could " verify either my address or my last 4 or the social '' to which I said " sure ''. My expectation was that I would provide my PII ( Personally Identifiable Information ) to her, however, she began rattling off my old addresses without confirming who I was. According to https : //www.consumerfinance.gov/ they are allowed to " ask '' for this information but I see nothing that states that they can start " providing '' my PII to an individual who is not validated. In this case, I am one of two XXXX XXXX ( s ) who could be receiving this call, as my father, retired XXXX XXXX XXXX XXXX ASP is also a XXXX XXXX XXXX I asked to speak with a supervisor but was told they " were busy '' and was not given the chance to discuss this further. The company is listed at toll free XXXX. The agent verified that the call was being recorded from her end. My PII was put at risk because this company is not following standard procedures for protecting consumer information. My associate XXXX XXXX was here to witness this interaction by speakerphone if you need any follow up statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On   XX/XX/XXXX   I went to Citizens Bank to open up a HELOC. I was clear with the bank representative at the time that I just wanted to open up a HELOC and was already doing the rest of my banking at another bank. I did not want to open any additional accounts.     The bank representative said he could do a few things to help reduce my interest rate, which included :  1. Opening a checking account 2. Opening a savings account 3.  Making an initial withdrawal from my HELOC and then immediately depositing it back At the time I was hesitant as the bank representative did not seem completely knowledgable, as if they were new to the job.     They proceeded to open the checking and savings account and then withdrew {$25000.00} and immediately depositing it back. I again reiterated that i do not want to do any banking with Citizens and said I was not going to use these accounts at all and did not want to pay any fees for these accounts.     I am almost  XXXX  y ears old  and have never paid a bank fee in my life. It is a fundamental concept for me to not pay any bank fees.     The bank representative stated that the checking fee did have a monthly fee but that if I deposited {$1000.00} into the account it would meet the minimum to avoid the fee. So I reluctantly deposited the {$1000.00}.     4 years later, in   XX/XX/XXXX ,  I received a letter that my account was overdrawn. I called the bank and they explained that I was assessed a {$20.00} fee per month for 4 years.     I complained the bank and had series of frustrating interactions that had several inconsistencies, with bank representatives telling me one thing at the branch and another on the phone. I explained the situation and they ended up refunding me {$280.00} of the {$1000.00}. I have since closed all my accounts, including the HELOC.     I feel that Citizens Bank opened fraudulent accounts that I did not want and mislead me with the description of the bank fees. This seems very similar to the    XXXX   XXXX     incident where several accounts were opened for people to hit some sort of quota or bonus for the branch. Furthermore, the immediate withdrawal and deposit of {$25000.00} by the bank representative further shows some manipulative transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: WA
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:
The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; XXXX, Experian and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single one of these dispute letters. I received no response from XXXX, Experian or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the XXXX, Experian and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.

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 2023-02-02
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: GOLDMAN SACHS BANK USA
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Apple Card from Goldman Sachs is restricted and has XXXX balance and have been this way for over 60 days. No communication from them at all about resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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 recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$210.00} and XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}

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 2023-11-18
Company: Universal Fidelity LP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received this collection notice from these crooks and have no idea who they are and want them to stop contacting me!! This is my official CEASE AND DESIST letter to them as they all lie and say they never received it if it is mailed!! Please give this to them and make them stop contacting me. I will NOT be paying them!!! If I hear from them again I will contact my lawyer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A )
and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened an account and received donations due to the fact that my mother passed away. Haven't been able to contact anyone and Ive been waiting for 5 weeks. Making a complaint to the Consumer Financial Protection Bureau and a complaint to the VA General Attorneys Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent out disputes for the creditors to send verification of the debt that they are saying I owe multiple times the last letter was sent out on XX/XX/XXXX  in which they responded with just a statement of the bill and none of the other items I've been asking for months now. ive asked these creditors to send me the following : 1. the amout of the debt claimed 2. the name of the original creditor 3. verification that they were assigned or have the legal authority to collect this debt.

4. A copy of any original agreements or contracts baring my signatures etc.

Sending me just a statement of the bill is not proper verification and WILL NOT suffice.

I need more details about what they are saying I owe so that I can make an informed decision or for these accounts to be permanently deleted from my credit reports immediately if they can not send me proper verification.

Company response to consumer: Closed with explanation