BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
company is currently reporting a negative listing to the three major credit bureaus ( XXXX, Trans Union, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate

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 2023-02-26
Company: Bread Financial Holdings, Inc.
State: FL
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:
Back in XXXX of XXXX, I received an alert from the credit bureau XXXX that I got an inquiry from ComenityXXXX XXXX At the time I was at work and knew there was something wrong. I immediately disputed this inquiry with XXXX and put a credit freeze on my accounts. Then I called Comenity customer care to find out how this happen, and why is there a credit card opened in my name at a place I do not shop at. Their customer care rep said they will place my account in the investigation for the {$470.00} that was spent on this fraudulent account. It was then they told me that someone made an in-store purchase in XXXX, PA. But I lived in Florida and did not leave the state that month. Two months later, I still receive statements for this credit card I did not open. I called back to find out why, and they said the first time was only a fraudulent charge dispute, not a fraudulent account. And then proceeded to make excuses as to why that occurred. Finally said they will investigate and told me I will not be responsible for any charges that occurred while they are investigating. XX/XX/XXXX, I finally got some reply in the mail from them and their result was that my dispute was not found and lacked support. Great so what evidence did they have of me opening this said account and making said purchases in PA when I was in FL? I beg to differ on this resolution. To add insult to injury they also included a letter stating that if I am having trouble making payments, they can help. Help me pay for a fraudulent charge on a fake account? Please use common sense, would you in my shoes accept that? Comenity Capital Bank, have a human being who is close or near to a supervisor/manager role call me and discuss what evidence you require to prove I did not create this account nor did I make the purchases. Please reach the data breach letter from XXXX  that I believe is how my information got leaked but I never gave my information out to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 and I my identity was stolen at a car dealership in New Jersey. The dealership is XXXX XXXX XXXX in XXXX, New Jersey. The fraud was used at XXXX  XXXX XXXX and several other banks. I have yet to have this issue cleared off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: ACIMA CREDIT, LLC
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had received an in mail preapproved offer to apply for Citizens credit card. Offer was to spend {$500.00} after the approval and I would receive {$200.00} back. 

As directed in the offer, I used the invitation code to apply for the credit card and was approved in XX/XX/2023. I also satisfied the offer terms to spend {$500.00} within a month or so. It is XXXX now and I still haven't received my bonus of {$200.00}. 

Upon contacting the bank in regards to this issue, the representative told me that " They are able to see my application approved in XXXX and cross referencing they only had active offer which offers {$150.00} bonus. 

They confirmed that {$150.00} bonus will be applied to my account now and it may take from XXXX weeks to up to XXXX weeks for it to reflect on my account. 

This whole offer is like a fishing scheme as if I didn't contact the bank then they wouldn't be taking any proactive action to apply bonus to my account. In addition, now I am offered {$50.00} less than what was communicated to me during the in mail promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # XXXX, # XXXX, # XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-22
Company: Experian Information Solutions Inc.
State: TX
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:
So i sent a letter off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that i dont want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my Federally Protected Consumer rights.

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 2023-08-09
Company: JPMORGAN CHASE & CO.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Due to change in my finances it has been almost XXXX years since I have incurred an overdraft fees. It has been so long that Chase revised its policy and anything under {$50.00} is not subject to an overdraft fee. Also, they now allow customers to add and transfer money to bring the back to good standing. I was informed by Chase that my account was in the negative and to transfer money to avoid an overdraft fee. I transferred money from my XXXX XXXX account to bring the account back to good standing. Yesterday I was informed once again that my account was at a negative and to deposit money. I had XXXX hours. I have an email dated XX/XX/XXXX at XXXX XXXX stating I still have time to add money to my account, screenshot attached. Over {$800.00} posted at XXXX XXXX on XX/XX/XXXX well within the XXXX hours given. Even though I complied with all of XXXX policies I was still charged {$100.00} in overdraft feeds. XXXX {$34.00} fees. I am requesting the fees be reversed as I did everything necessary to avoid my account going into the negative. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I received a text message to my number XXXX from Sunrise about a debt. I told them that I am refusing to pay the debt, rather than ceasing all debt collection activities and communications, they continued to contact me, see the pictures attached. I understand this is a FDCPA violation and I could sue and receive a settlement for this violation. Instead, I ask that this please be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Paypal Holdings, Inc
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
In XXXX, I discovered about a dozen fraudulent charges on my XXXX that's linked to my Paypal account. I worked with XXXX to remove the charges, many of which were billed to " Paypal XXXX AL. '' In XXXX, I got a notice from Paypal that they'd suspended my account until I reimbursed them {$150.00}. When I spoke with them, they said someone had used my Paypal account as a " guest '' to make the purchases and that XXXX had refunded XXXX {$150.00} too much for one of the fraudulent charges. I verified with XXXX that they'd been refunded the exact amount of the fraudulent charges - no more and no less. But Paypal insisted on me sending them a check for {$150.00} which I did because it was the only way to close out my account with them ( and I wanted to avoid this negatively affecting my credit score ). But I don't feel it was right for them to make me pay because they have bad security on their site that allows criminals to make fraudulent purchases using my account. I was the victim yet I had to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-20
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2022, I saw a suspicious payment on my Lowe 's account through Synchrony Bank. I contacted Synchrony bank and they agreed. Because the credit card used in the fraudulent was non-existence, the payment defaulted. The following XXXX the same situation occurred. Once again I contacted Synchrony Bank. They agreed it was fraudulent and issued me a new Lowe 's card. XXXX days ago I received, in the US mail, a notice from Synchrony Bank that they had closed my account due to XXXX defaulted payments, the XXXX payments above. I contacted Synchrony Bank and was told there was nothing they could do because THE SYSTEM, closes down any account that has a default payment. XXXX questions I asked- was the account delinquent when the fraudulent payments were attempted and was it delinquent now. Answer to both questions was " NO '', because I had made ALL payments on time. So now my credit rating which had been in the XXXX 's will suffer from the SYSTEM action without any human review. So now any credit inquiry will be affected by this erroneous information. I don't accept the " there is nothing we can do '' answer.

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 2023-02-26
Company: National Credit Systems,Inc.
State: OH
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:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : CB XXXX : $ XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, my wife and I were given a move out balance owed by XXXX XXXX XXXX XXXX XXXX. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed {$100.00} and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but only XXXX has given us a fair dispute and removed it from our credit reports, XXXX and XXXX just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.

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 2021-10-29
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a notification from Southwest recovery that there is a debt collection company letting me know I owe a debt of {$1000.00} on my credit report the date of XX/XX/XXXX letting me know that I owe XXXX XXXX XXXX in XXXX, from looking up online, they are a credit card processing company that has nothing to do with me personally. I did not work or own any company that made me liable for this fraudulent charge.

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 2019-11-13
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a conventional mortgage with XXXX XXXX  since XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX  to inquire about the cancellation of my PMI. On XX/XX/XXXX, my loan balance dropped below 78 percent of the original value of the secured property and I was current on my mortgage. The customer service representative told me that they were notified that my mortgage dropped below 78 % and they were processing the removal of my PMI. On XX/XX/XXXX, my mortgage payment withdrawn from my bank account included a fee for PMI. I called on XX/XX/XXXX to inquire about the reason for it not being removed. The customer service representative told me they would have to send me a letter to cancel PMI. On XX/XX/XXXX, I received a letter in the mail giving me 2 options to remove my PMI. In the letter, they state that my loan is current and I have received 0 30 or 60 day delinquencies. It also states that they acknowledge that my current loan to value is 77.60 %.

Option 1 - Obtain a full appraisal ( appraiser picked by XXXX ) for a fee of {$520.00}. If the full appraisal comes in at {$180000.00}, they will cancel my PMI. 
Option 2 - Send in a principal curtailment of {$0.00} in order to reduce my current LTV to 80 % and pay {$120.00} for a certificate of value ( appraiser picked by XXXX ) Neither of these options were in accordance with the Homeowners Protection Act ( HPA ). The HPA requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property ( based solely on the initial amortization schedule in the case of a fixed rate loan or on the amortization schedule then in effect in the case of an adjustable rate loan, irrespective of the outstanding balance ) if the borrower is current. 

My loan is current and below 78 % of the original value. However, nobody at XXXX can explain to me why my PMI has not been cancelled other than to tell me I have to order an appraisal or get a certificate of value. Nobody can explain why they are not operating in accordance with the HPA or why my mortgage is not governed by the HPA.

Company response to consumer: Closed with explanation