BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. On Wed XX/XX/XXXX I was notified via email by my XXXX XXXX XXXX alert that there was an account past due payment. Upon further inquiry into the report, it was revealed that a credit card was fraudulently taken out in my name and charges were made without my knowledge. I did not make the charges. Below is the following information in the notification : It looks like a lender has marked one of your accounts as delinquent. This happens when an account is more than 30 days past due. 

Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX. 

INFORMATION FOUND Lender : COMENITYCAPITALXXXX Current balance : {$1100.00} Status : Past due 30 days On the same day, XX/XX/XXXX, I then contacted XXXX credit to notify them of fraud. A notice was added to my account and cross reported to the other credit bureaus, I was informed to file a report with FTC.gov I contacted COMENITYCAPITAL/XXXX XXXX  and notified them that there was a fraudulent card and charges in my name. I was advised to call the fraud department at ( XXXX ) XXXX. I called the number advised and was on hold for more than two hours with no response from an agent. I made numerous attempts to reach an agent in the fraud department with no avail. 

I am seeking resolution of this issue so that I will not be held responsible for these fraudulent activities to my account due to identity theft. I ask that the delinquent and fraudulent charges are blocked to correct my credit report. I did not take out this line or credit and am not responsible for any of the reported charges to this credit account. 

I reported the theft of my identity to XXXX credit bureau. I plan to follow up with the appropriate authorities with hopes that this matter is resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
the credit bureasus stated my account was properly investigated but how is that possible if my my balances are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without written instruction Also the credit bureaus took more then 30 days to complete my investigation. XXXX XXXX XXXX XXXXXXXX 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

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 2023-11-09
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I have never authorized any of this misleading information to be placed on my credit report. Also spoke to both Progressive and receivable management and they both are declaring they did not get any authorization from any authorized user to project any of this Information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
<<<<<<<<<<<<<NOTICE OF INTENT TO SUE>>>>>>>>>>>> Please be advised that within the next several weeks the undersigned intends to initiate a civil lawsuit against Citibank arising out of a matter within the jurisdiction of the District Court for XXXX XXXX XXXX county. 

Citibank has BREACHED its FIDUCIARY DUTY, and as a result, the undersigned intends to SUE, and Citibank is on NOTICE of that intent. 

Specifically, pursuant to page 28 of the Citibank Client Manual, the undersigned specifically notified Citibank, in writing, that the undersigned DID NOT agree for Citibank to pay any check presented to Citibank for payment more than six months after its date ( a stale-dated check ), even if the presentment occurred after the expiration of a stop payment order. 

Further, the undersigned also notified Citibank, in writing, that the undersigned did not agree that Citibank would not be required to identify stale dated checks or to seek my permission to pay them. To the contrary, the undersigned advised Citibank, in writing, that the Bank MAY NO pay but shall REJECT any checks which is presented to it for payment more six months after its date ( a stale-dated check ), on ANY of my checking accounts, including, but more specifically, the checking account ending in XXXX. Citibank was specifically instructed to identify any stale dated check or seek my written permission to pay any stale dated check. Citibank was advised that if it failed to follow the above specific directive or instructions, that it shall be LIABLE for the face value of the stale dated check including, but not limited to, any damages and attorney fees incurred. Citibank was on notice that this SHALL supersede any and all terms purportedly agreed to or contained on page 28 of the Citibank Client Manual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Lockhart, Morris & Montgomery Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with LOCKHART MORRIS & MO SAFE HOME SECURITY Original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was charged for three different theme parks in one day, in California I live in Texas. They were not authorized transactions. I contacted the bank as soon as I seen them, they said I would have to wait till they clear to dispute them. I was refund for two and one fell off. A week or so later they put one charge for XXXX XXXX back on my account over-drafting it once again. Their reasoning was they had no proof it was fraudulent. I am out that money and they say that things arent looking good and it is probably not going to be reimbursed. So now I am out all that money for someone I dont even know to go on vacation. Their system should have caught it, seeing that anytime I go out of town and purchase something they lock my card. Also to add they canceled the wrong card the first time we called, not the one with the fraudulently activity. Prosperity Bank of Texas does not care about protecting their bankers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received the attached letter datedXX/XX/XXXX from XXXX in which they stated they would close my account and mail me the remaining funds. I deposited {$50.00} in this account when I opened it. 10 business days was last XXXX XX/XX/XXXX and it has been 1 week without any update from the company as to my requests to provide a closing statement or return my funds. The funds have also not been returned to the originating institution.

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 2023-10-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In trying to resolve my foreclosure with SPS, an appeal of my request for mortgage assistance denial was emailed to the relationship XXXX and to XXXX  the SPS XXXX XXXX  on XX/XX/22. A representative from XXXX emailed a reply directing me to call SPS  and speak to a relationship XXXX. On XX/XX/22 I called SPS  at XXXX am. XXXX answered the call but released it ( claiming no one was on the line ) and a second call was made at XXXX am. XXXX answered this call and we immediately asked for a supervisor. Rather than getting a supervisor she attempted to ascertain what was needed and proceeded to provide erroneous information. She put the call on hold numerous times saying that she was looking into the account. She determined that a reply to the appeal would be available on XX/XX/22 after XXXX days. When it was pointed out that XX/XX/22 is more than XXXX days from the appeal submission, she said it would be received by XX/XX/22. Each time she was asked for a supervisor, the call was put silent hold. XXXX checked the line after extended periods but never provided any additional information. Finally, after XXXX hours on the telephone there was no response from XXXX who abandoned the call. The written decision on my appeal was delivered by mail the same afternoon. XXXX not only provided incorrect information, but refused to escalate the call as requested. 
In the denial to the assistance review decision dated XX/XX/22, SPS wrote You indicated you have a lump sum to apply to your account. Contact SPS  to discuss if options are available. I responded with another appeal indicating the amount I can pay. No relationship XXXX explained why my proposed payment of {$50000.00} was insufficient or what amount would be satisfactory. The written response to my proposal said You also requested assistance and want to use funds for a down payment. Please contact SPS  to discuss if options are available. Although SPS  has this language in the communications, it isnt following through by making authorized personnel that are qualified accessible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX pays donors with debit card issued by Bank of America. Bank of America charges {$1.00} cash withdrawal fee from Bank of Americas own ATM and only allows waiving 1 fee per month. They can not charge fees for cash withdrawal from their own ATM.

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 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Never really looked into my credit til my wallet went missing and to my surprise I saw accounts that I have no idea about and I'm demanding that these accounts be removed immediately from my report, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Please honor my request or support your reporting with signed contracts and any other physical documentation that will substantiate these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: ACIMA CREDIT, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Me and my spouse acquired this property of my dead uncle about 8 months after he passed.wemoved in around late XXXX cleaned up had utility on in my name and started fixing up the places little after two months we started getting notes on the door stating we're not supposed to be there. I also had please in my name so afterwards we were getting harrassed by people coming to the door posting notices. Notices we responded to pretaing on how to fix his my uncle 's mortgage. He was not that much behind hed passed so Bill 's started to pill.Meanwhile I had to start going to court and after a while of going to court with affidavits declarations and documents pertaing my stay we still got kicked out. They arrested me on probable cause I was in for a month when I get out all my belongings everything I ever owned even my registered dog was gone disposed. I had still leaves in the house and all my property was still in there there was no certified documented thru courtsnotice or nothing informing me of a kickout or throwing my belongings away pursuant to NRS.  Meanwhile the case is still open. They say XXXX XXXX XXXX was the trustee while along I'm having civilian who say she worked for XXXX XXXX  ( XXXX ) come to my house call police and I literally watch them when I got kicked out start cutting wood and board up my place along with them take several of my work tools money and property. My house was also my home business registered with the state of Nevada. Companies involved Innovative real estate strategies XXXX XXXXXXXX XXXX XXXX  dba XXXXXXXX XXXX  not individually but trustee for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX, IL 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX 12. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WI XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, WI 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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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:
Was told by agent he can help me with looking to fix some things on my credit report I told him I don't want to run an inquiry at this time at this point he was already running my credit profile

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 2022-12-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check written on a Citizen Bank checking account for {$200.00} was stolen washed and cashed for {$6300.00}. I reported it to the bank as soon as I got my statement on XX/XX/22. I also reported it to the Police and the Postal Inspectors. The bank sent me a XXXX XXXX which I filled out and returned on XX/XX/22, the same day I received it. Citizens Bank claim number XXXX. They sent me a letter dated XX/XX/22 that they have reached out to the originating bank ( I was told it is a XXXX XXXX ). On XX/XX/22 I contacted Citizen Bank and was told that they had not received a response from XXXX XXXX and that there was no deadline for them to do so. This is a huge amount of money for me as I am a XXXX XXXX citizen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: OK
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:
XXXX took way over 30 days to complete certified mail dispute. Then when they finally sent me a response they stated that everything wS verified. I received no proof of verification. All disputed its by law have to be deleted due to their investigation taking longer than 30 days. I'm unsure how they can pretend to be unaware of the laws they must follow. I am submitting my complaint here to try to get them to follow the laws Consumers have rights for a reason and I will not allow mine to be violated. I demand the deletion of all disputed items due to the fact that no investigation took place and it took more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief