BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
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: Their investigation did not fix an error on your report

Complaint:
I have complaint file complaint stating my score is not being calculated properly XXXX  especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need Transunion and XXXX to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by tansunion or 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 2020-09-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On both XX/XX/2020 in the amount of {$150.00} and XX/XX/2020 in the amount of XXXX, I purchased a wedding dress from David 's Bridal. Both dresses were returned. On XX/XX/2020 and XXXX XXXX, 2020, I received notice that both returns were received by David 's Bridal and a credit would issued to my credit card. After not have received a credit, I reached to David 's Bridal on numerous occasion through their online portal. I was told I had to submit my request in writing to Comenity Capital Bank. On XXXX XXXX, 2020, I wrote to Comenity Capital Bank, as I had only received a credit for the XXXX XXXX, 2020 purchase in the amount of {$140.00}, but not the XX/XX/2020 purchase in the amount of {$150.00}. See my letter dated XX/XX/2020 with the supporting documentation attached. 

I received the attached correspondence dated XX/XX/2020 from Comenity Bank indicating they had reviewed my claim and found I was not responsible for the {$150.00} oustanding on my account and an adjustment had been made to my account. See letter dated XXXX20 attached. 

Depsite the above, I continue to receive statements from Davids Bridal indicating that there is a balance due and owing, in additional to late fees and interest. See most recent statement attached hereto. 

I reached out to David 's Bridal several times through their online portal and continue to receive the same response -- to either submit my request in writing or it is still being investigated. In response to same, I submitted the XXXX20 letter indicating they had completed the investigation and I was not responsible, however, I continue to receive the same message. 

On XXXX XXXX, 2020, I reached out via telephone to Comenity Bank who indicated that they have to wait for authorization from David 's Bridal in order to issue the credit even though they have done their investigation and indicated that I am not responsible for the {$150.00} charge. I was told that they would clear the account of any fees and finance charges and hold the account. 

Following my XX/XX/2020 telephone conversation with Comenity Bank, I received the attached corespondence dated XX/XX/2020 indicating that they are " currently researching it '' and they are in need of additional information to complete their review. Which was a total contradiction to what I was told and the correspondence I received. 

I call David 's Bridal they tell me to call Comenity, and when I called Comenity they told it was David 's Bridal responsibility. 

At this point, I am unable to resolve this issue despite the numerous attempts I have made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I had a lease with Ally Financial XXXX XXXX ext XXXX on a XXXX XXXX XXXX account XXXX. I returned the car and the bill me {$4200.00}. I have received an offer from XXXX XXXX XXXX XXXX XXXX account for {$2500.00} that I paid on XX/XX/XXXX. I have call Ally over a month to get a paid in full letter or a delation letter to updated my credit report. I'm in the process of purchase a house for my family and this company and reps they have not update the account nor give me my letter request. Every time that I call they promise the letter by fax or email with no results.

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 2019-09-16
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon looking at my XXXX  Credit Report on XX/XX/XXXX I discovered a negative collection on my account that does not belong to me. I then disputed all of the addresses and phone numbers added to my account and included this collection as a dispute. There was reference on the website to contact the Company to try and resolve this first so I phoned TRANSWORLD SYSTEMS   with the number given on the report, ( XXXX ) XXXX. When I phoned to tell them the collection was not mine, they asked me to verify my SSN so I did and then the person indicated they would submit the information. The address associated with this collection, I have never resided in. I own my home in XXXX and have lived there since XXXX. The dispute came back indicating the information and collection is mine. It is not and I fear the SSN I gave the collection agency was used against me in claiming this collection is mine. The original company XXXX XXXX sent this collection of {$710.00} to collection, and I have never had an account with this energy company. My account along with my accurate address resides with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX on accounts # XXXX and # XXXX are reporting as collections on my credit report. However I never received any kind of notice for these collections nor did I receive my 30 day right to dispute letter. This is a violation of my 30 day right to dispute and should be removed.

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 2018-02-22
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The home is part of an Estate the homeowner passed away.The family did go to Surrogate Court. 

We have submitted the documents to Ocwen Loan Servicing they refuse to talk to us or help us. 

We want to save the homes.This home has a sale date for XX/XX/2018 and we have no idea when it started no was served any of the documents or notices concerning a foreclosure sale. 

Ocwen refuse to speak to us in spite of the fact that we have sent proof to Ocwen from the Surrogate 's Court.

Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : XXXX  or XXXX  or TransUnion I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,

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 2022-08-08
Company: EQUIFAX, 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:
Mailed a letter to XXXXXXXX XXXX by mail on XX/XX/2022 in regards to two Hard Inquiries listed on Credit Reports. 

There is an unauthorized Hard Inquiry from " XXXX '' listed on Equifax Credit Report dated XX/XX/2022, and XX/XX/2022. Spoke with an Equifax representative to dispute on XX/XX/2022. 

Also, there is an unauthorized Hard Inquiry from " XXXX XXXX XXXX '' listed on XXXX Credit Report dated XX/XX/2022. Filed an online dispute on XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud

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 2020-01-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling after hours when returning the call their phone do not answer. please help thank you may God bless you all

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 2020-12-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
my accounts still have not been removed as requested its been longer than 30 days. I requested for them to be removed and blocked and not dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: STERLING JEWELERS, INC.
State: MO
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 have repeatedly time after time have contact kay jewelers stating that I did not own this account and never had account with them. After investigating the account the creditor found that the account did not belong to me. After applying for credit I seen that the account is still being reported to my credit report with derogatory marks. I requesting to get this account removed from my report permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
I have never had any type of credit with nor signed any paperwork with Portfolio Recovery Associates yet they are reporting on my credit report that I owe them {$520.00} which is detrimental to my credit status, inaccurate and untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: PNC Bank N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
ON XX/XX/2019 I WAS TO RECEIVE INTO MY CHECKING {$4000.00} ACH FROM TAX REFUND. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Arena Investors, LP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX of SRA collections left a voice message on my work voice mail regarding an alleged debt i owe. XXXX XXXX left a detailed message on a non private voice mail system which my assitant has access to. Im currently away on business trip and she is checking my messages, this is illegal according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: OH
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:
There are accounts that are reporting when there wasn't consent to allow them to do so. There are things on my report that is not accurate. I asked them to be removed and they refused to remove them. I placed a dispute and as quickly as I disputed the item ( s ) they were " verified ''. They would not tell me how they verified.

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 2018-06-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mailed a check to a creditor, XXXX XXXX. Someone intercepted the mail and deposited the check into Wells Fargo bank. The endorsement was clearly wrong and Wells Fargo should have never accepted the item for deposit. Wells Fargo is conspiring with the thief by failing to return my funds.

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 monetary relief
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i had apply for gm buypower capital one credit card never used it but in XX/XX/XXXX i got my statement and saw a balance contact capital one regarding this and iopen a fraud investigatigation since i never had used my card during all this i was in the process of buying a house so this was affecting my credit since i never used it i never made payment i was advice by capital one that to pay it off since it was the fastest way to fix my credit and once the investigation came to and end they will etheir credit or send me a refund if it wasnt actually fraud so i made the payment in XX/XX/XXXX i made the full payment bringing my account to {$0.00} i wasnt never abe to acces my account since the person who was using my account call capital one and put a security code and request another card capital one would never give me information cause didnt know that code after a while i call capital one to see if my account was still active on XX/XX/XXXX it turn out that i found out i had another balance and my account was charge off and the account was closed and open another fraud investigation soon XX/XX/XXXX this was came in my favor so i ws going to get a refund in 10 to15 days i recieve a letterand also have voice mail saying that after they toldme i need to send statement saying the payment was made and statement if all the information nothing crossout since the account that i made the payment was fro my sister they request her to send a letter wand we did after that i got an voicemail saying she had to call and give a verbal statement saying she gave me permision to used her acount to make the payment after everything they had ask was send and done XX/XX/XXXX they told me i wasnt going to get the refund because i didnt pay this from my bank account and to call the bank and have them do a stop payment that imposible because this payment of {$2700.00} was made in XX/XX/XXXX and its been pay to gm buypower capital one credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize inquiries.

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 2019-03-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management , Inc. collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/2019 for an account number XXXX ( XXXX XXXX ) that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: JTM Capital Management, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
They are threatening me with legal action saying my pay would be garnished and debt would damaged my credit for the next 15 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Best Buy Account # XXXX In short, I purchased a television with an extended warranty. Best Buy was unable to repair the television so they agreed television back and credit my account accordingly. This was never properly done resulting in a credit default. Best Buy has countless notes reflecting our conversation and have since informed me that they are no longer handling this account.

After multiple escalations within the credit department at Best Buy I was assured that the account has been settled. I have recently received communications from CITI stating that my credit has been negativly impacted and I still have an outstanding balance. 

This account has been forwarded to the following two collection agencies : CITI XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Account # XXXX Again, Best Buy has countless recorded conversations confirming that this debt was paid in full. They also have notes reflecting a XXXX balance.

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 2021-05-05
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Follow-up from complaint XXXX. 

Blackhawk Network did not provide a reply that is consistent with the issue raised. More importantly, Blackhawk Network stated that as a one-time courtesy they would be helping me. This is absurd. There is no courtesy involved - I need access to the funds, but the card is not being activated despite all the information being correct.

Blackhawk Network, through its agent is lying to CFPB.

The main reason for this new complaint is that Blackhawk Network, in their reply on XX/XX/2021, stated : The consumer will receive the {$50.00} XXXX Prepaid Card within 15 business days..

15 business days have now passed, and I have not received the card, and I confirmed it has not even been processed yet ( tracking XXXX ). 

This is a serious issue, a financial fraud, so this complaint is also being sent to Attorney General. 

Blackhawk Network license to operate must be revoked.

Company response to consumer: Closed with monetary relief