BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: Midwest Recovery Systems
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A false creditor and false account was placed on my creditor was placed on my credit report. It shows as an open account. The creditor shows as XXXX XXXX XXXX and they do not exist. I want to know what this is and who did this, and why was the account opened in my name. I want it taken off my credit report. I do not want to call the Midwest Recovery and give them any of my personal information, I want you to research this and provide me all the background information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I needed to close my cash app account so i transferred the funds to my husband we got the email saying he had received the funds so i permanently closed the account. Shortly after that the payment to my husband failed and i cant login to the closed account. Where did my {$820.00} go?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Kriya Capital, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credence Resources Management a collection agency that purchased the debt from XXXX XXXX XXXX continues to Tarnish credit report and creditworthiness. XXXX  displays debt from company. XXXX had a buyout promotion during the time. XXXX agreed to pay off XXXX XXXX XXXX. Began services with XXXX and XXXX XXXX XXXX were satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of XXXX, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California at the time the charges were made and subsequently a current resident of California for the purposes of the statute. The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account. 
The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$75000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ). 

The company has continued to flagrantly violate the law, most recently filing a fraudulent law suit through their attorney XXXX and XXXX, who are known for their deceptive practice and attempts to obtain default judgments through frivolous lawsuits. 

Commenity is currently being sued in Federal Court in California for these very same deceptive and fraudulent practices. See Gonzales v Commenity attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Outsource Receivables is collecting on a debt I do not owe. I called and spoke with them regarding this debt currently reporting on my credit file, which is how I found out about this debt. Once I validated this debt I immediately paid it. I was not once notified about this debt through phone calls, notifications, or letters. I spoke with a representative and they had my incorrect address. 
Not sending me any letters violates my 30 day right to dispute and I demand they remove this account off my credit. They did not have my correct information and I did not receive my RIGHT to dispute.

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 2021-04-25
Company: Experian Information Solutions 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:
Ive sent multiple FTC reports to XXXX XXXX & Exparian. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my 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 non-monetary relief
Consumer complaint received 2020-10-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BBVA/Compass Bank Checking Account XXXX Fraud Management Department Phone ( XXXX ) XXXX option 2 My checking account was compromised in a fraud attempt on XX/XX/2020. Money was transferred into my account via ACH in the amount of {$7400.00}. 

There was a beginning balance BEFORE the inbound ACH of {$200.00}, which brought the ending balance to {$7600.00}. 

{$2500.00} was withdrawn from the account via check on XX/XX/2020. 

The account was frozen pending investigation on/around XX/XX/XXXX. At this time, my son and I were threatened with bodily harm by the scammers until they gave up. 

There was some communication between myself and the bank 's XXXX  Fraud Management Department, along with a few attempts to RETURN the {$2500.00}. This was successfully done on XX/XX/2020, bringing the balance back to {$7600.00} ( the balance AFTER the ACH posted ). 

On XX/XX/2020, the bank sent the ENTIRE BALANCE, INCLUDING MY {$200.00} via ACH to the original sender of the {$7400.00}. 

I can not find a viable mailing address on the BBVAUSA.com website and calling them goes nowhere. 

Now I get the runaround -- on the rare occasion I actually get ahold of someone in the department. 

This morning ( XXXX XXXX, 2020 ) the rep in XXXX Fraud Management Department informed me that I relinquished the money because I had cashed a check for {$2500.00} ( XX/XX/2020 ), completely ignoring the fact that a. ) the entire {$2500.00} was RETURNED and b. ) the amount they sent was MORE than was RECEIVED by the sender! 

XXXX Fraud Department then provided me with the Dispute Department ( XXXX ) as the only option. I called, spoke with one person and was transferred to another person, who then transferred me BACK to XXXX Fraud Management. There, I ( again ) toiled on hold until I could not wait any longer. 

This is easy accounting! I am filing a complaint because the fraudulent amount was {$7400.00} and they should and sent back {$7400.00}, NOT {$7600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank  credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.

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 2023-05-18
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:
I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has not given me due diligence to receive documents, and to respond to them in a reasonable amount of time. I received my mail today, Thursday XX/XX/XXXX. To my surprise, when I opened the letter, the items were due on the same day, today, XX/XX/XXXX. That gave me exactly 1 day to find all of the documents I needed. The letter from PHH is dated on XX/XX/XXXX, a Thursday, They gave me 14 days to get the document back, including 2 holidays, XXXX and XXXX XXXX 's Day, and weekends. I wonder what date they actually mailed the letter out since it would have been XXXX XXXX. The post office scanned the document to be delivered to me on Monday, XX/XX/XXXX. I received it on Thursday, XX/XX/XXXX. 

I must make a complaint about this because other people are probably being treated the same, and I am certain this is some type of regulation violation. 

Lucky for me, I have a service from the postal office that scans my mail, and dates when they received it, and will be sending it to me. If it weren't for this, I would be accused by the bank that I did not comply with their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: TX
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 received a copy of my credit report and found an account that is a result of fraud. The account is being handled by a collection agency. The original creditor is the XXXX of XXXX. The account was for a utility for a home that I never lived or was associated with. All of the other accounts that were associated with this address have been removed due to fraud. This account is the only account that remains. The account is : XXXX XXXX XXXX with a balance of {$980.00}

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 non-monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: MI
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:
I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion had a computer glitch that caused some inquiries on my report to fall off. TransUnion then decided to readd the inquiries to my credit file ILLEGALLY without giving proper 5 day notice as required by law. I 've contacted TRANSUNION out of good faith to help resolve this matter and to help get the unauthorized illegally added inquiries off the credit file. Having these inquiries on this credit file is creating a harship for me and my rights are totally violated by TransUnion. I 'm asking that you help make TransUnion to stop victimizing me.

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 2021-04-29
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019, a payment was scheduled a day prior to the due date in the amount of {$340.00}. I received a confirmation email at XXXX XXXX stating that the payment will be posted on XX/XX/2019, which is my due date. 

At this time the information reported to bureaus is that the payment is late. There was no late payment made, and all funds were collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
after paying off my amazon store card the company closed my account without any warning I used my account and was in good standing and they just closed my account my credit score took a hit of 14 points I feel this is an unfair practice as COVID-19 is going on and they are closing accounts putting it customers in financial hardship when it comes to credit reporting scores

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 2020-11-18
Company: Experian Information Solutions 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:
I have been trying to work with the 3 credit agencies for 7 months to fix the balances of my mortgage.The credit agencies still reporting XXXX when I only owe XXXX. 
I also try to contact XXXX XXXX numerous times.The 3 credit bureaus and XXXX XXXX XXXX XXXX keeps ignoring my request for last 7 months.

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 2020-05-15
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX  2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: PNC Bank N.A.
State: GA
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:
XXXX XXXX ( XXXX XXXX ) {$250.00} XXXX XXXX XXXX x 2 ( XXXX ga ) {$200.00} & $ XXXX XXXX x 2 {$76.00} & XXXX Withdrawal @ atm XXXX XXXX XXXX XXXX ga XXXX ( XXXX XXXX  ) {$230.00} All took place on XX/XX/18 Stroller rental {$5.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, 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:
Ive sent multiple FTC reports to Equifax XXXX XXXX XXXX. Ive also sent a 605b along with proof of identity. Im a victim of Identity Theft. Its multiple medical bills on my report. Someone used my name to file taxes get medical care and to get apartments. Ive never done business with XXXX XXXX XXXX or the original creditor. Please see attached FTC reports. Per Fcra & 605b All items Fraudulent must be blocked from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX sent a letter that my car loan would be extended until the parts needed to repair the car were received. ( Know XXXX XXXX XXXX and Honda Financial Services both acknowledge that these parts have no date of arrival ) On XX/XX/XXXX and XX/XX/XXXX I was told verbally that I should call every month that I don't have the car and let them know to extend the loan for that month. They said that I was approved for this extension without additional fees or impact on my credit rating/report. 

Every month I have been getting threatening letters to pay the loan in spite of this agreement -noting they will affect my credit. I called Honda Fin'l customer service every time I received these letters and am told " don't worry, it's been approved ''. 

On XX/XX/XXXX I suddenly received a letter that the loan will NOT be extended beyond XXXX and XXXX with full payments starting in XXXX inclusive of XXXX and XXXX interest. 

I spoke, at length, with " XXXX '' in Honda Financial who said that's the best he " can offer '' and he made it clear there was nothing he could do to stand by the original agreement of extending the loan until XXXX can get the car part to the repair shop and I can drive my car. 

Any help in this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that LexisNexis freeze my report, a request for suppression because I'm a victim of identity theft, and I also request that my consumer file be sent to me, and neither has been done.

Company response to consumer: Closed with explanation