BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Bread Financial Holdings, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX  XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX  XXXX/ XXXX  and also under XXXX  XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX  or XXXX XXXX/ XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA Federal Savings Bank repeatedly credits debits first on the date that a direct deposit arrives. The bank credits the larger debits first, draining available funds, returns other debits causing fees, then credits the direct deposit to collect their fees. 

USAA has done this several times. I have contacted them, and I was told there was nothing that could be done. This is an unfair practice done simply to squeeze fees out of the consumer. There was a pending direct deposit the same day for more than enough to cover any debit, so there was no reason to return any debit, let alone stack up fees. 

USAA has done this most recently to me on XX/XX/XXXX and XX/XX/XXXX. It has also happened to my spouse. While we have set up overdraft protection and in some cases the debits were covered and not returned, USAA returned a debit for {$1.00} on XX/XX/XXXX, when a transfer of {$30.00} was made that same day. I know other veterans that use USAA have had this issue as well. Please investigate this unfair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Fifth Third Bank blocked me from accessing my checking account and fund in the account since XXXX XXXX XXXX The account had a balance of {$15000.00} at that time. Fifth Third Bank claimed to have closed this checking account on XX/XX/XXXX. However, Fifth Third Bank did not send the account balance of {$15000.00} to me and has not provided all information detailed this account closing claim and its related balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023, I received an alert from a credit monitoring service that there has been a change to my credit profile. When I logged onto the service website, I saw alerts on all three of my consumer reporting agencies that a new collection account had been added to my reports. Upon further research, I saw that the following companies were on my respective reports : XXXX : CCS Collections XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection Service XXXX XXXX XXXX XXXX, MA XXXX XXXX : Credit Collection SVCS XXXX XXXX XXXX XXXX, MA XXXX I have had no contact with this company and I've received no debt collection notices in writing or otherwise. Also, the different names and addresses attached to each report seem suspicious and this issue has caused great harm to my consumer profile and slandered my character.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information in my file. This information does not relate to any transaction that I have made. 

The items listed below and on the attached copy of the report I filed with FTC. ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). 

Experian will not remove fraudulent XXXX credit card account and address. 
I mailed one copy of a government issued identification card. 
One copy of a utility bill. 
My full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past XXXX years Federal Trade Commission letter Police 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 explanation
Consumer complaint received 2017-06-28
Company: Leading Edge Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At leas t three times  a day, I receive a robo call from this phone number stating I owe a debt. Initially I contacted the phone number back and was told I owe a debt - they would not tell me who the debt was with and demanded me to pay it over the phone. I told them I did not owe any debt and to mail me whatever they were referring to. I have never received anything in the mail - but the calls continue every day - multiple times and at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019-Loan was transferred over to loancare. Called to make sure everything was set and that my winter XX/XX/2019taxes would be paid. They assured me they would be. 

XX/XX/2019- I received delinquency letter that my winter taxes were not paid. I have called & emailed multiple times to get this resolved and its been over a month and its end of XX/XX/XXXX now. I dont know what else to do. I also emailed them a copy of my current summer taxes with updated number and still no response.

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 2018-02-20
Company: Experian Information Solutions Inc.
State: MS
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:
XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2020-01-31
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/19 I went to Raymour & Flanigan. I exchanged a defective chair and purchased 2 more chairs. The difference was {$490.00}. I said to put it on my already open finance account with them. I had a {$1600.00} credit limit available. The sales person mistakenly put thru the total amount for both chairs and did not apply the credit for the defective chair. I received a call from credit asking if I wanted my limit increased, I said no because it is not necessary. I clearly told them do not run my credit. 
They did, apparently by mistake. I reported this immediately as I received notification from XXXX  that my credit had been run. I called the store and their credit department a number of times and expressed my concerns and that they had to fix this. I never authorized my credit being run. To fix this they removed my credit report from their system, but they failed to notify XXXX  of their error, so the inquiry is still there. 
I am trying to refinance a house and can not have any inquiries until this closes. Now I have to cancel that, lost the locked in interest rate and lose the money I have paid up front. 
I called XXXX, they were no help. They said the dispute has to come from Raymour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: GOLDMAN SACHS BANK USA
State: CA
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:
For the months of XXXX to XX/XX/2022, my payments in full for all current charges were made via XXXX XXXX online bill pay. The money left my account and XXXX XXXX says was successfully received by Marcus by Goldman Sachs. However, the payments were never applied to my account. Several wasted hours on the phone with uncooperative, uncaring, uninpowered, robot call center employees got me NOWHERE! They have been charging interest, late fees, and may be negatively reporting on me because of issues which are 100 % their mistakes. That they are unwilling and unable to resolve. Additionally, I was repeatedly told all calls were being recorded. I asked for copies of the call. No recordings have been received. 

Furthermore, their paper statements AND Web site are the worst quality, with the least amount of features of any credit credit card company I have ever done business with. 

Do NOT open any accounts with Marcus by Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX Debit card transaction {$81.00} {$1600.00} A. XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT RESOLVE CREDIT OF {$81.00} I AM DUE FOR XXXX. I AM DUE A CREDIT OF XXXX CHARGED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
During my Edd XXXX claim it took BofA over 4 months to issue a card ... .they made me go to a check cashing thru XXXX XXXX to get money and charged me for this ... .I had money they appliedto card that I had no access to for over 4 months in 2021 ... .it 's their records ... ..I was made to go thru a check cashing using XXXX XXXX 3 times ... XXXXwith fees ... .I lost my home and was living in my vehicle because of this problem caused by BofA. 
Why did it take over 4 months to get a card They would not let me go into the bank with Identification. Why????

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 2022-09-09
Company: EQUIFAX, INC.
State: AR
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:
Reporting act XXXX  DATE : XX/XX/XXXX, XXXX/XXXX  DATE : XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XX/XX/XXXX, US SM BUS ADMIN date : XX/XX/XXXX, XXXX XXXX Date XXXX XX/XX/XXXX, XXXX XXXX  Date XX/XX/XXXX & XX/XX/XXXX, also XXXX  XXXX acct # XXXX, XXXX acct # XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 Section 602 A States 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. 

these accounts and inquires where fraud and not consented by me and should be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CA
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:
I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX  XXXX XXXX XXXX  XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX  XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021

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 2017-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a XXXX party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX  straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX XXXX which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my XXXX XXXX XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX  now.with no 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 2022-09-09
Company: EQUIFAX, INC.
State: MD
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion continues to report a bankruptcy on my credit report that has not been verified. I have repeatedly disputed the error with Transunion who continues to report the bankruptcy as accurate even though their source XXXX has not been able to verify a bankruptcy and has such removed the error as of XX/XX/2022. I disputed the error with Transunion on XX/XX/2022 and Transunion emailed me on XX/XX/2022 that the account has been verified as accurate, which is unethical practices because Transunion did not look into this investigation and just auto replied. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) I am asking for a Fair Credit Report and for the error to be removed immediately as it affects my ability to establish credit worthiness.

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