BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Bread Financial Holdings, Inc.
State: FL
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:
My account with Comenity has always been on minimum balance autopay since it was opened in XXXX of XXXX. I decided to switch my account to maximum balance autopay on XX/XX/XXXX. After processing this transaction online through Comenity, I received an email confirmation. However, Comenity failed to process auto payments for XXXX and XXXX. I reached out to Comenity on XXXX XXXX and expressed concerns about the failed autopayments, late fees, and the negative results of what would now be my credit score. Comenity waived the late fees, and I was told to reach out to the credit bureaus myself. I asked to speak with someone in their credit department to assist me with a letter stating the situation but was unsuccessful. 

I have attached the email confirmation of my autopay request. My account with Comenity has always been paid, and now with failed autopayments that Comenity did not see through and I'm left to spend time and energy in order to write disputes to XXXX, XXXX, XXXX and CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX Owed {$540.00} ; XXXX XXXX XXXX Balance Owed {$150.00} ; XXXX Balance Owed {$0.00} ; XXXX XXXX XXXX BalanceOwed {$110.00} ; XXXX XXXX XXXXXXXX Balance Owed {$380.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed {$690.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
incorrect information such as addresses and jobs

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 2023-09-18
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There was an inquiry that came up on my XXXX credit report describing an XXXX XXXX XXXX XXXX account that XXXX different collection agencies have tried to collect on. I have disputed this claim on XXXX and XXXX and am currently working on filing a dispute with XXXX XXXX. The claim was successfully disputed on XXXX, but not on XXXX or XXXX XXXX. I have called both collection agencies ( XXXX and I.C. System Inc ) several times and sent in a fraud packet that was apparently never received. The account that is in question was opened for an XXXX XXXX XXXX XXXX account. I have never opened an XXXX XXXX XXXX account and am still in fact on my parent 's mobile plan through a family plan account. The collectors ' agencies continue to say that this is my account because it was opened with my name and social security number, but the account has a different email address which is also not mine. This person has an email address : XXXX, or something to that effect, and a XXXX XXXX XXXX in XXXX XXXX Ohio. They have continued to use this email and address to open fraudulent accounts under my name and social in the past and continue to do so now. I recently opened a high yield savings account through XXXX XXXX and this person change the username and password to the account within a week of my opening it. I then had to get XXXX XXXX XXXX to cancel the account and reopen a new account with my correct information and delete the XXXX email that was connected to this account without my authorization. I could see through my XXXX XXXX account settings that this person added their email address to my account and had their phone attached to my account as well, which was some type of XXXX phone. This email address has also shown up in my personal XXXX XXXX XXXX bank account along with the XXXX XXXX address. I have since hardened my online account by subscribing to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Somehow this person is still able to access my accounts and open accounts using my name and social security number.

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 2023-06-27
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I authorized this company to take a payment off of my debit card on Saturday, XXXX, XXXX, 2023 in the amount of {$140.00}. This amount came out of my account that same day. They then proceeded to send me an email and text message telling me my payment failed when they took the money out of my account. The phone numbers they have listed do not work and you can not speak to anyone. Ive tried to email them and they have refused to respond. The company preceded to send me and my mother messages threatening to send us to court for the money they already received from me. My mother went online to process the same payment that they took from me and they charged her double which was {$290.00}. They credited her double payment but never credited my payment that came from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A Hard Inquiry appeared on my credit report on XX/XX/2022 from Citizens Bank. I called them the very next day and spoke to someone in the fraud department. They ran my social security number into their system and didn't find any new applications or cards in my name. They said I could write a letter and they will investigate further. I also disputed the inquiry twice with XXXX and both times their report was that it was a truthful inquiry. I called XXXX myself a couple days later and asked them what information they were receiving from Citizens Bank that made them think it was truthful but they only said they would send me a copy of my credit report. So they weren't very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. 

\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for Bank of America was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. 

Thank you for your time in the above matters.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Your company sent me a letter stating that the information on my credit report is accurate. When the Fair Credit Reporting Act ( FCRA ) states that 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. 

XXXX XXXX XXXXXXXX XXXX has failed to investigate this billing error in the amount of {$940.00} which inaccurate information has been furnish to my consumer report. Your company has furnished my nonpublic personal information to the credit reporting agencies which is experiences and transactions between me and your financial institution. I never gave you consent to furnish any information about me to a third party company, Also I never gave the CRAs consent as well to furnish any info. Which is identity theft. your company is committing racketeering activity, Which XXXX and the Credit reporting agencies are knowingly using extortion to collect on a unlawful debt. ( 18 U.S code 894 ).

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 2016-04-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Dear CFPB, In a previous complaint to you XXXX XXXX about Nationstar mortgage ( see attachment ) I respond to their requirements and submitted all the documents needed on XXXX XXXX. XXXX XXXX ( point of contact, See attachments ) acknowledge that the documents received and she sent it to the loan modification department. But today XXXX/XXXX/2016, I spoke to nation star employee XXXX - XXXX and he said NO DOCUMENTS WAS RECEIVED. A TRUSTEE SALE DATE POSTED ON MY FRONT DOOR FOR XXXX/XXXX/2016 WHILE I AM IN AN ACTIVE LOAN MODIFICATION. This is not right or fair, this is wrong, please kindly help me resolve this matter. My point of contact XXXX XXXX or the loan modification department has not me since I have submitted my loan documents XXXX/XXXX/2016. On XXXX/XXXX/2016 a trustee sale date was posted on my front door. Please Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: GreenSky, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018, I called and made a complaint to GreenSky about the late posting of my payment, sent on time ( I have proof ). I received a form letter dated XX/XX/2018. To date the issue has never been resolved, I have called consistently every month, and most recently spoke with a manager named XXXX. Who in turn did not solve the issue. By GreenSky posting my payment late each month they debit a late charge, I call, they remove. Recently I sent a check # XXXX in the amount of {$100.00} mailed on XX/XX/2018. At the end of XX/XX/2018, I called a total of 4 times. Because my credit is important I then mailed a check in the same amount Certified Mail, Return Receipt on XX/XX/2018. Today the RR has not been returned. So I have 2 payments sitting in AXXXX XXXX and not posted to my account. I just received another invoice. They refuse to find out where the checks are and the manager said, " they go to a lockbox and we have a lot of customers. '' Well, most businesses ; payments go to a lockbox and all of my creditors ' cash within 5 days of receiving. I spent {$6.00} just to send Certified Mail, so it is costing me more. The other issue is the billing increasing payment interest contrary to our signed agreement. I really need assistance. I wish to have my payments posted in a timely manner, Customer Service responses other than giving me the run-around. I sent an email to corporate to the attention of XXXX XXXX, CEO no response.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I want the company to remove the fraudulent inquiries in 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 2022-06-11
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid 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:
My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I submitted a complaint with CFPB to contact Sequium Asset Solutions. I never received written documentation of my debt or how to pay or my rights. According to the complaint, Sequim updated my contact information, but they never sent me any information via US mail. They also provided a number in which I contacted numerous times and left messages. The company refuses to work toward a resolution of my debt or getting this removed from my credit. I require WRITTEN documentation via US mail before I'm willing to pay the debt. Sequim has my information and can easily send it to me and I will pay the debt. They have not done so and it has been over a month at this point and is why I'm filling an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX, XXXX, and Equifax are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Someone applied for a Capital One Credit Card in my name two different times. Once in XX/XX/2023 and in XX/XX/2023. They also applied at XXXX XXXX in XX/XX/2023. Neither of these companies will let me have a copy of the application. I think the fraudulent person is using my information on the application, but put their address in the billing section of the application. If Capital One and XXXX XXXX would give me a copy, I could press charges on the fraudulent person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IN
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 am Filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed, Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband contacted this company to request more information about the debt they are collecting, since we never received any collection notice is not easy to pay the bill without knowledge what is it for. 

He spoke with a representative named " XXXX '', he explained he wanted to pay if bill but is very unfair that we never had the chance to pay it or dispute it before it goes to collections, she said I paid {$25.00} dollars in the past, but paid it because the collector pushed and threated ME very bad to make payments. He explained I want to pay the bill but I wanted to request a validation of debt, She claims that they mailed some validation on XX/XX/2020, and do not have a mail returned, He clarified we have some problems with the mailboxes and some mail just disappears, so I was asking for a validation by email, fax or mail but I was wondering to know what I was paying for. 

The representative very unprofessional said she won't send a new validation just because they mailed once but my husband already explained we didn't received. 

Asked for a manager but she ended disconnecting the call. 

I am just asking for a validation of debt because this collections is coming from a checking account and is very confusing for me to know what the bank is collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State I have the right to privacy.

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 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