BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On Friday XX/XX/XXXX, I received a credit card I never applied for. It's the XXXX XXXX XXXX XXXX, provided through Comenity Bank in XXXX, Ohio. Its the actual CARD with the account number, and not a credit card offer. Its slate grey with XXXX XXXX logo on it. It doesnt specify if its XXXX XXXX XXXX or etc. But the attached letter does say it has a {$250.00} starting limit. I also received a couple e-mails from my credit monitoring service saying this account was opened a couple days ago, so I know its real and its now impacting my credit reports. The problem is I was never the one who applied for this card. 

My credit monitoring also looks like someone was trying to apply for an XXXX XXXX card in XX/XX/XXXX, also through Comenity. 

Well I have a vile stepmother whos originally from Ohio, and Im sure she still has friends there. She was HIGHLY likely involved in a credit card theft that occurred after my father died from XXXX in XXXX, among other crimes, and I know for a fact she has access to my social security number from my fathers paperwork. I cant say for sure exactly what she did because theres so much insane backstabbing and silence within my family. I find all of this deeply disturbing, IF theres any kind of connection between the family nonsense and these fraudulent credit card applications in Ohio. She would be in her early 70s now. She currently lives in XXXX XXXX from the last I heard ( several years ago ). 

Im submitting this report through the PA Attorney General and the CFPB. Im not complaining Comenity themselves necessarily did anything wrong. But someone, somewhere is doing some scary, not-nice things with my identity and it needs to be stopped. Im also in the process of trying to call Comenity XXXX XXXX fraud department at XXXX but the automated call service is telling me the department is currently closed and I should try again later. Probably because its Saturday ( XX/XX/XXXX ), but it doesnt give me a time I should call back. I DO NOT want to try calling the card activation number on the welcome letter, because this is not something I legitimately applied for!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
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:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: CURO Intermediate Holdings
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent this company an affidavit of truth stating how they violated me according to the laws of the FDCPA. I also sent them an invoice as they are liable to remedy me and they have not paid the invoice nor have they rebutted the affidavit, meaning they have accepted it as true so my invoice for {$11000.00} is valid and will be paid. Thanks for nothing, court documents on the way. I can't wait!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX Car payment is due however I was out of the country due to a death in the family. During the time I was gone I received multiple text messages to my telephone. I receive text and telephone calls multiple times per day. No bill in the mail. 
XXXX Your XXXX payment is now 4 days past due and we don't have anything scheduled! 
XX/XX/XXXX You are 5 days delinquent. 
XX/XX/XXXX account past due XX/XX/XXXX Contact Prestige to get your XXXX payment scheduled ... 
XX/XX/XXXX XX/XX/XXXX Your account is now in active collections. we must have your arrangement secured immediately. The longer you wait to pay the more money you are adding to the loan ... 
XX/XX/XXXX Prestige is a second change lender. 
XX/XX/XXXX Is there a problem ... 
XX/XX/XXXX We are running into a pretty substantial problem ... 
XX/XX/XXXX If there is a problem or you need help with arrangement or a reduced payment ... 
XX/XX/XXXX You have options including a reduced payment ... 
XX/XX/XXXX I would rather keep this between you and I but collections efforts continue unless I can show that we are working .... 
XX/XX/XXXX sorry but if you aren't going to make these payments I can not help ... 
XX/XX/XXXX I am sorry but if you aren't going to make these payments ... I can not help this is your transportation and should be a priority .... 
XX/XX/XXXX Normally your account is paid by now ... 
XX/XX/XXXX I you are struggling I have options ... 
XX/XX/XXXX You have put this off until the very last day and now we only have a few hours to resolve the delinquency. 
XXXX Effective today your contract with Prestige has been forwarded to XXXX in Collections due to non payment .... 
I returned to the US on XXXX when I went through my mail I did not find a billing statement. Also I have been making payments of {$370.00} monthly for years but my balance is higher that the original balance. I think Prestige is stealing from customers and they threaten instead of allowing clients to pay off their vehicles. The more they threaten the more they charge and the accounts never get paid off until they repo the cars making them more money. Its a horrible unethical company and I wish I never purchased a vehicle through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2021-04-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed bankruptcy and this loan was included and they are adding remarks to my credit report that the loan was sold to another debtor

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 2023-01-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: NV
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 created an account with Equifax to view my credit report and credit score. I can see my report ok, but Equifax requires you to agree to their terms to view your score. When reading the terms it says you can opt out of certain data that Equifax shares with its affiliates and non-affiliates, and tells you to click on the privacy notice. When doing that the website takes you to their privacy notice : XXXX XXXX XXXX  In the privacy notice it says if you want to " limit our sharing '' you can go online, or call XXXX. I called, and was sent to XXXX. I talked to XXXX ; he didn't understand what I am trying to do, and said he can't view the privacy notice that I am looking at. Finally he muted himself and wouldn't respond as I tried to explain. I called the number back and talked to another person, a lady, and had the same experience. I finally asked, repeatedly, to talk to a supervisor, and she finally connected me over. I talked to XXXX, and XXXX said they didn't have the ability to do what I'm asking, nor could they access the privacy notice. I told XXXX that I would file a complaint with CFPB, and XXXX said ok. 

I want Equifax to limit the sharing of my personal information so I can see my free credit score. Equifax is not doing that, and is violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, my Amazon Store Card ending in **** was hacked, and fraudulent purchases never made or authorized by me, in the amount of {$XX/XX/XXXX}, were charged to my account. I received notifications from Amazon that these items -- including cubit zirconium wedding rings, baseball caps, gardening supplies and kitchen supplies -- were being shipped XXXX on XX/XX/2019 ) and delivered to my address. None of these items, however, was ever received by me, except for one small, light package ( which I assume was the wedding rings ), which I returned to sender, unopened. 

Numerous attempts have been made with the credit card company, Synchony Bank, to resolve this issue -- but to no avail. Several times the charges have been removed from my account -- only to be put back once again after Synchony denied my claim. I have provided to Synchony all of the documentation I have. ( I will provide all of this documentation to you as well, along with this complaint. ) I don't know what else to do, and so I am reaching out to the CFPB in the hopes that you can help me resolve this matter.

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 2022-12-14
Company: DISCOVER BANK
State: CA
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:
The complaint is not necessarily against Discover, but rather against the XXXX and XXXX and the way that credit card disputes are handled by these two merchants and my credit card. 

I returned a multitude of barbies to XXXX after having purchased many of them approximate in early to XXXX. I changed my mind about re selling Barbies on an individual level when my order of two ( 2 ) 2020 Day of the Dead Barbies, which retailed at close to {$1500.00} and I purchased for {$31.00} was cancelled. When this happened, I realized the potential for a great return had just been squashed and I returned Barbies to both XXXX and XXXX. 

Well, to date, and just recently, after many months, some of those unrefunded barbies which were returned months ago have been credited. But now XXXX has blocked my account, contending that Discover reported " unauthorized charges, '' and Discover, as well as XXXX where other merchandise was purchased, but also unrefunded, are referring some disputes to their FRAUD department. FRAUD!? Why? Unreturned and unrefunded charges merit a FRAUD referral? 

Due to this so called, " unauthorized transactions or charges '' XXXX has blocked or frozen my account and I can not access it to 1 ) review their contentions that both Discover and XXXX credited my account for some returned items, and 2 ) I need to confirm how many more items continue being unrefunded and unaccounted for. 

I want Discover to CREDIT all of my charges for items which were ALREADY RETURNED TO XXXX and which have NOT BEEN CREDITED, and I want XXXX to UNBLOCK MY ACCOUNT. As XXXX contends that Discover advised them of " unauthorized transactions, '' which is untrue and disingenuous, SOMEONE HAS TO TELL XXXX TO UNBLOCK MY ACCOUNT! And according to XXXX they blocked it because of what Discover reported! 

Unblock my XXXX account, CREDIT all of my returned merchandise and update my new telephone number to XXXX XXXX XXXX. 

thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My phone was stolen on the evening of the XX/XX/2021 and they loged into my wells Fargo Bank AP and did five transfer using XXXX totaling XXXX Dollar 's and they won't refund my money I have a police report that I sent to them along with a receipt for the new phone I had to buy still nothing was done

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 2018-02-13
Company: EQUIFAX, INC.
State: IN
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:
We are still at it. Another proof of Equifax operating in a Vacuum without Laws. Notice the Addressee on the Envelope : STIII / AGAIN. 

Hey Imbecile, here is our proof we no longer identify you as someone else. We will no longer gather information not in your name or disseminate wrong illegal information. Believe us verbally as we demand you do this! It is just OUR Policy to address any correspondence to you in other than your name. As you accept this Mail as yours, we are authorized to collect data and disseminate information as you are accepting the fact you are AKA. I AM NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: McNeil & Meyers Asset Management Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My wife and I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX with the final distribution signed by the judge on XXXX ( attachments provided ). One of  the creditors listed was XXXX XXXX. The debt owed to that company was discharged with our other debts on XX/XX/XXXX. Fast forward to XXXX when we tried to refinance our home and found an adverse credit mark on our credit from a company called : MCNEIL & MEYERS RECEIVABLES MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX. According to our credit reports, the debt was placed for collection on XX/XX/XXXX. This date is 6 months after our bankruptcy was discharged and nearly a month after the final distribution. We had opened no new account with XXXX XXXX. I contacted McNeil & Meyers and sent a copy of the bankruptcy discharge paperwork showing XXXX XXXX had been included in our XXXX bankruptcy. They refused to take it off our credit report and said they could only comment it as a bankruptcy. We then disputed the debt through XX/XX/XXXX and XX/XX/XXXX ( XX/XX/XXXXdid not show it ).  This what we received fromXX/XX/XXXX which is how we started the dispute : Direct Dispute Past Dispute XX/XX/XXXX Completed MCNEILMYERS Reported on XX/XX/XXXX {$0.00} Item Results Result : Deleted - XX/XX/XXXXhas deleted the account or record from your XX/XX/XXXX credit report. 

Dispute Reasons Accuracy : This account is not a collection or charge-off. 
This account is included in bankruptcy. 
Dispute Results From XX/XX/XXXX XX/XX/XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. 

I just got a message today about a new adverse mark on my credit report and this same debt collector has entered this same incorrect information on my and my ex-wife 's credit reports, showing that it was closed on XX/XX/XXXX and our account updated on XX/XX/XXXX. My ex-wife checked her report and it is back on hers as well. 

My wife and I have since divorced and both of us are getting ready to buy new homes and this will obviously affect our ability to do so or to get a better interest rate. I want this entry removed from my credit and this company advised to stop adding it to my credit. It was not a charge off, it was discharged in bankruptcy and this company knows full well that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt as I know I owe your company no money and no debt it owed or has been fulfilled in full, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. If this can not be provided ASAP, please deleted these accounts from all 3 credit bureaus immediately. Please also provide a letter on your company letterhead stating that this account will be delete, and upload to CFPB portal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: IL
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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation