BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-16
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 an account was created with a clothing company, XXXX. This was a charge account through XXXX XXXX. A balance of over {$300.00} was incurred. We have been called at home 3-4 times a day for about a month from XXXX. They appear to be trying to collect the alleged debt. The account was not opened by me or anyone in the household. The account listed an address in a city we have not lived in for over 6 years. XXXX refuses to supply information that would assist us in determining who opened this account, including account number and copies of the application for the account. 

We have never received any bills or written communication from XXXX that would have alerted us to this account. They refuse to discuss this situation, claiming privacy issues. They won't tell us if this was an internet purchase or from a brick and mortar store. 

XXXX refuses to assist in resolving this fraudulant activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
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 am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage ( SPS account XXXX ) was transferred from XXXX XXXX to SPS Servicing. For years, my mortgage has been withdrawn on the XXXX of the month. SPS sent me about a dozen notices- too many in my opinion because it just confuses information that should be given succinctly in one- saying that my ACH would continue. I called to verify that my ACH would continue and was told it would. SPS withdrew my payment on the XXXX instead of the XXXX. This caused undue financial hardship for me, since I was not expecting a large payment to come out of my bank account on the XXXX. 
When I called SPS to rectify the situation, XXXX XXXX said I could change it but that SPS took it out on the same day as the prior servicer. That is not true, and although I had my bank data, she did not care. How many mortgages are pushed forward like this by SPS trying to get better cash flow? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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: Problem with personal statement of dispute

Complaint:
I have 2 Inquiries From XXXX XXXX I never Authorized as well as XXXX  File Number : XXXX Report Date : XX/XX/XXXX Disputed Inquiries are XXXX XXXX XXXX XXXX XXXX Requested On :XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/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 2019-04-23
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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that there are a couple of inaccurate information on my credit report. I was saddened to learn that you somehow verified the disputed item 's, electing to leave them on my report. 


XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX/XXXX  Account # XXXX XXXX/XXXX - Account # XXXX XXXX XXXX- Account # XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have recently credit my credit file. I have noticed several collections accounts on my file that is no accurate and should not be on my report. It also show a dismissal is a bankruptcy that should have not been there due to that it not mine. I have contacted the bureau of several attempts and have gotten no results. My next step will be to contact an attorney due to the history of these accounts hurting my credit. These accounts are stopping me from providing for my family.

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 2020-05-05
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Im trying to activate the card. Set up my account and created answer to a security question. Wrote down the answer exactly as I entered it. I did put a space in the answer but I didnt see any instructions telling me not to do that either. Ive done it on other apps with no problem. The app told me my card was locked and I have been unable to activate it either on the app, online or over the phone. The written documentation sent with the card instructs to do it any of those ways. Since it locked up, I attempted to get assistance from the number provided. It says a live agent will be available as soon as possible but I could not find anyway to get to a link who could help me with my locked card or activate it. It takes you through a series of unrelated links and tells me I will be charged for calling for my balance ( I know my balance, Im not calling to hear it ) and so I wait online for over 1hour and the line hangs up on me, then the over 2hrs until I cant stay up any later. So I check my account that I can log into and it has 3 charges of {$.00} each for something I was asking for ( balance inquiry ) and I still get not the slighted hint that I might get some help. So is two issues instead of one, its not the amount of money charged that bothers me. Its the lack of accurate information, live customer service 24/7 like they advertise on their website and the audacity to charge me for things on an account I cant even use yet. Either the mailed instructs or the phone number are wrong. And I called every number I could locate. I started this at XXXX and started this complaint when I located a link with your address on it after XXXX. Im not the only one going through this with this card company. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

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 2018-06-08
Company: Experian Information Solutions Inc.
State: MA
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 was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, XXXX, and experian ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.

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 2020-07-26
Company: STERLING JEWELERS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was a Jewelry store account in which I had insurance that paid the account if I became unemployed. I was told by the debtor several time that the debt would be removed. I tried several times to remove this debt with the debtor and the credit reporting agencies. This account is over seven years old and should have been removed. This debt is causing a negative impact on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX I had a promotion that was expiring. I didnt receive notice from company they stated in XXXX one month before the expiration of the promotion I went online and requested online billing which I never did. Then in XXXX when I got noticed that my balance have increased through application I use I contact them and I was told they will fix it and send me a copy of the bill and extend it to allow me to pay. I never received. They stated because of Covid. Then now almost four month still same issue and not they say they cant do anything.

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 2018-02-09
Company: Carolina Finance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In the latter part of 2017, I discovered I had a small balance left on an old auto loan I had with a company called Carolina Finance. I contacted them, and worked out a settlement arrangement to resolve the remaining balance. The settlement arrangement we agreed upon was paid on XX/XX/XXXX. XXXX months have now passed, and Carolina Finance has yet to properly update my account on my credit report. I have contested the account three times with XXXX, XXXX, and XXXX XXXX ; and Carolina Finance keeps telling the credit bureaus I have an outstanding balance owed. The account should report a {$0.00} balance owed, as it was paid on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I authorized Citibank to withdraw funds from my XXXX XXXX account ending in XXXX. 

For reasons, no one at Citi has explained, funds were withdrawn from another account at XXXX ending in XXXX. 

Not only is the security of my account compromised, I was assessed an overdraft fee of {$35.00}.

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 2019-04-23
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i am lodging a formal complaint against penn credit corporation. this debt collector has reported derogatory information on my credit reports for a debt to XXXX for {$2000.00} i have never had an account with XXXX ever in my life. ive sent this company debt validation letters in the past they ignore them, but has continued to report on my credit reports every month which is a violation of the fcra, a company must cease collection after debt validation request. i am in the process of purchasing my very first home for my family and this debt on my reports is holding us back. i am requesting penn credit delete this account that doesnt belong to me off of my credit reports immediately. i will be filing XXXX complaints, and attorney general complaints if this account isnt deleted immediately. thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021 I called XXXX & XXXX XXXX, my mother in law received a call stating that they were looking for me and wanted to settle a debt before proceeding with a lawsuit against me, this is was News to me has I had not received any correspondence or phone calls. I immediately called the number and spoke with a young man who was very polite and helpful, I told him I would call him back after I had looked as some options and spoken with someone with a little more expertise, I called back after weighing some options and asked to speak to the previous young man but was sent instead to his manager XXXX XXXX, at first he seemed nice enough to conversarte with, but when I asked for more time to understand what was happening, he became belligerent and condescending, I was trying to explain to him that I had not received any written documentation of what I was being charged for, but speaking with him became very difficult because of his constant interruptions and continued escalations, I requested to speak to a manager at which point he stated that he was as far as I could because his boss didnt deal with someone like me, Essentially being condescending, he then hung up but not before stating that hed see me in court. I called back immediately and asked to speak to anyone but him, I was then transferred back to the original person I had spoken to and was able to resolve the account in a Better way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX debt owed to XXXX XXXX XXXX XXXX that was paid in full to a Collection Agency, but is still being reported by the Collection Agency ( below ), and still appears on all three credit bureaus as, " An Account with a Negative Pay Status ''. The current balance is and has been {$0.00} for over ( 2 ) two years. I have asked the reporting Collection Agency to remove the above reference negative notation, and I have provided them with documentation they've requested, but they have refused to correct or remove the negative reference. Thank you. 

Diversified Consultants XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
HARD INQUIRIES ON TRANSUNION ACCOUNT : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE DELETE UNAUTHORIZED INQUIRES I NEVER APPLIED FOR CREDIT

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 2017-11-29
Company: Experian Information Solutions Inc.
State: PA
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 am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wfds XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now com XXXX XXXX Srng XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Upon checking my credit report on XX/XX/2019 I saw my score has dropped due to a hard inquiry on my report by Capital One credit card that I did NOT do. It was done on XX/XX/2019 in which I did not do nor did I authorize Capital One to run my social security number at all. I have contacted them or tried since XX/XX/2019 by phone and always placed on hold for over 45 mins to one hour each call. I have made 8 calls since XX/XX/2019 at different times of the day. I am requesting that this hard inquiry be taking off my credit report. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF XXXX Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.

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 2018-03-19
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2018, I was applying for a mortgage loan. When I pulled my credit report I saw there was an error reported by XXXX XXXX credit card. XXXX XXXX reported a " Late Payment '' on all three major credit reporting agencies that cause my scores to drop more than XXXX points from XXXX down to XXXX. 
I contacted XXXX XXXX consumer department to find out what happened with the error in reporting. I spoke with a customer representative name XXXX. 
XXXX told me that the late payment was reported due to the fact that they billed me for annual membership fee. However, XXXX XXXX admitted that they never notify me nor send out any statement billing to allow me to pay for that fee. 
I paid for the fee ( payment confirmation # XXXX ) to keep my account status open. In addition, I complaint to XXXX about the reporting errors with the credit reporting agencies. XXXX went on to apologize for that error and told me that he went ahead and sent an update to the XXXX major credit reporting agencies to " remove '' the late payment status. 
However, I just recently order a new credit report to find out if the errors have been remove but those errors are still reporting as 30 days late. I have a recording of our conversation with XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation