BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-19
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2021-06-08
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Received a movie theater gift certificate for {$50.00} from my son who purchased this from Gift Card Mall last XX/XX/XXXX. Since covid restrictions have lessened and movies are open, I tried to use this at XXXX Theaters and they were unable to honor it since it did not have XXXX 's 16 digit activation number and had no idea what this was. I contacted Gift Card Mall XX/XX/XXXX and got the usual runaround one would expect from a scam company. End result after several transfers, Gift Card Mall did not recognize the order number I had, had no record of the order or my son 's name, could not provide any information that could help me and could care less if I reported this incident. They are obviously still in business ripping off unsuspecting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX our mortgage company took out our property tax payment out of our escrow. They were not supposed to since in our closing documents it stated that the title company would be responsible for that. The payment never materialized on our property tax account with the city. After months of calls and emails a city employee discovered a payment of the same amount went to our neighbors ( one number different than our address ). This was a simple mistake by shell point who makes their batch payments through core logic. A property tax representative of shell point said we need to apply for a refund from the city because they do not expect the city to refund them. The city says we can not apply for a refund because its not our property. We paid the taxes with separate savings. So, not only did we not get the benefit of having an escrow account, we also are now missing ~ {$4400.00} from our escrow account. We believe Shellpoint should refund our escrow account and pursue a refund for their mistaken property tax payment. It should not be our burden to resolve their mistake. We have spent hours and hours trying to resolve this issue. We are considering pursuing litigation to be compensated for our efforts and stress. We can not choose our mortgage servicer. At a bare minimum our mortgage servicer should take responsibility for their actions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. I have been living overseas for the past two years. When I returned home this month I attempted to open a domestic checking account and found that I could not because a Bank of America account had been opened in my name without my knowledge. I did not open this account nor did I live at this address this company has on file.

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 2022-08-27
Company: SG and Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Stafford Group has contacted several family members, work, etc. demanding money for a collection account for the entire month of XX/XX/2022. My personal vehicle was brought up as a threatening tactics to try and scare me. Did research on this company and have found several negative reviews of this being a scam company the XXXX has lots of complaints from this company including a website that redirects you to XXXX Validation letter from the company has never been received with break down any debts own.

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 2023-07-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to get a zero down, zero closing cost loan from Bank of America and they said I wasn't eligible because of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm XXXX  American. This must be illegal on so many levels. 

XXXX XXXX XXXXXXXX

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 2019-11-29
Company: SYNCHRONY FINANCIAL
State: UT
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:
" New Issue '' XXXX re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, XXXX  you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again Synchrony when you were sent police report XXXX, the account balance is fraud. Synchrony is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

XXXX  continues to be NON-Compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: EQUIFAX, INC.
State: CO
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 final request about removing fraud account from credit report.Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX Account number XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX and PNC Banks I set up a XXXX account to receive money from an individual buying my piano that was listed on XXXX XXXX. The buyer was " out of town '' and a family member would be picking up the piano. The purchase price was {$1500.00}. This occurred XX/XX/XXXX. I created a XXXX account to complete the financial transaction. The " purchaser '' said they needed to make a {$400.00} payment on top of the {$1500.00} because they received an email from XXXX. I followed the instructions. They tried to get another {$600.00} from me and that is when the alarm went off in my head. I contacted XXXX and PNC bank. I filed a dispute for fraudulent representation. I received a notice XX/XX/XXXX from PNC saying my dispute was resolved as a vaid transfer and my claim was denied. So, I lost {$400.00} to a scammer. I have their email address. Since I sent the money through XXXX, there should be a way to track down the person who lied and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard. 

Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing

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 2023-03-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax continues with their explanation of there not being a bankruptcy on my credit report, however as of XX/XX/2023, I received a copy of my Equifax credit report with XXXX XXXX : Explanation : a bankruptcy is own your credit report. This information is coming from their company and their sources. Then they investigate and their results show that no bankruptcy is showing on my credit report. They are saying one thing but the information that they are dissimilating about my credit shows something totally different. 
Therefore their investigative results still prove to be erroneous. There need to be a more thorough investigation because this misleading information is somewhere in their system. If it were not, it would not show up on the recent credit report that I received. I received a response from them on XXXX XXXX, 2023 and it does not seem that much effort was put into their search.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: SC
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2022-09-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-09-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Midland credit management {$740.00} and {$630.00} XXXX bank {$830.00} XXXX XXXX {$0.00} balance charged off as bad debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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

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 2023-03-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with a representative on more than 2 occasions filed a dispute by letting them know I never authorized any one to run my credit. They submitted a dispute but some how it came back verified and the credit reporting agency never removed the inquiry

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