BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To Whom it may concern, In XX/XX/2022 i moved from XXXX  to XXXX. On XX/XX/2022, I received a call from my bank asking if i authorize 3 transactions on my saving and checking accounts. My answer was NO! While I was on the phone with my bank, at the same time I was logging into my account and finding that all my money had been gone. The Crime was happening while I was on the phone with the bank representative. There were 3 unauthorized transactions happening when I said I DO NOT authorize any actions on my accounts. Money was moved from my saving into my checking account and cashed out with a teller and ATM machines. That exact moment I put claims of a fraud, I have all the reference numbers. The amounts were {$1500.00}, {$5500.00} and {$9500.00}. Location of the branch was detected so as a teller number n the numbers of the ATMs. I contacted county police in the state I was in and in the state fraud was committed. Reports were made. I visited the brach of my bank and with the help of a manager many applicable forms and letters of explanations were submitted. I received letters with denial to return stolen money. Many calls n disputes to a fraud departement were made and they honored 2 amounts and the largest one I am still fighting for. The bank failed by authorizing the actions I DID NOT authorize, no ID was asked at the time of money being taken out, no investigations were happening, no police was taking actions and to resolve this crime, checking the branch where the crime was committed. 
It has been a year. Please I appreciate any guidance and help. Thank u!

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 2019-07-31
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been unable to resolve my issues with COMENITY BANK/COMENITY CAPITAL BANK and due to my unsuccessful attempts to have all my accounts held by both COMENITY BANK and COMENITY CAPITAL BANK closed, I am submitting a formal request to have all accounts associated with my social security number to be closed upon receipt of this complaint. I have submitted a previous request for immediate account closures for any accounts serviced by either COMENITY BANK or COMENITY CAPITAL BANK that no action has been taken on as of yet. This is a follow up to that request mailed to Comenity Bank XXXX XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
account due to fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX all reports have been sent over

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This creditor was reporting an account with all 3 credit bureaus using my personal information without my authorization. I disputed the account with 3 bureaus and the creditor under the same UCC Law. After the results were complete the account was deleted from XXXX but was updated as verified with XXXX and XXXX XXXX. I asked the creditor to delete that account from the other 2 bureaus as well because clearly there was inaccurate information being reported from this one account. I followed up with another dispute only for the company not to delete the items. Pursuant to 15 usc1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( a ) Reporting information with actual knowledge of errors ( b ) Reporting information after notice and confirmation of errors this company is in violation if several laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX-XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXXXXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 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.

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 2019-07-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Can not dispute credit report online via Equifax : https : /XXXX System security questionnaire reports incorrect responses despite me having all credentials readily available and being well aware of what is on my credit. This, in turn, blocks you from making any disputes online. This has been happening for at least three years in which the majority the time that I try to access the system I am denied access. Most recently on XX/XX/2019. If, according to Equifax, you inputted incorrect information in this questionnaire. Even more agitating is that you get locked out without any notification or second attempts. I have tried a day later to three days later with the same result before I can try again. This is unacceptable. 


It seems this has been a fraudulent practice implemented to push consumers into buying their credit products which have its own credit dispute system. 

There are two other options to dispute. Snail mail is not an option in 2019 ; it's ridiculous. Especially for time-sensitive issues that can take months to rectify. Requesting dispute by phone has not ever ended in me successfully completing a dispute. The representatives speak poor English and do not seem to comprehend clearly. it most likely ends up with them inputting incorrect information but that is speculation. 

There is something wrong with the systems code or database. Nothing a person could see without looking at the source code. It seems to happen when the questionnaire presents questions that do not apply to you and you choose 'none of the above. '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.

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 2020-04-28
Company: NRA Group, 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:
After reviewing the credit report, the National RecoveryXXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: LA
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 sent a letter on XX/XX/XXXX to UPDATE ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to UPDATE any ITEMS or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, and XXXX & I am including it again. Below the Innacurate Items. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-10-01
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is in reference to # XXXX by XXXX XXXX XXXX , XXXX, XXXX XXXX, CA XXXX. I first was contacted by telephone on XX/XX/XXXX from associate Mr. XXXX XXXX ( XXXX, ext XXXX ) in an attempt to collect a debt reportedly purchased from PayPay Inc for approximately {$650.00}. This was the first contacted and first time I was made aware of such a claim. I requested a written statement of the disputed balance ( amount owed ), verification of the debit, name of creditor, and origin of the claimed debt to the mailing address which they declined to perform. I then asked for an emailed copy of this information which they declined to perform. They stated I needed to log-in to a company portal to view this information, but in doing so may waive my consumer rights. I have formally requested to dispute the amount and have mailed a written request mailed XX/XX/XXXX. 

Secondly, this is an attempt to collect an invalid debt. I reviewed prior transactions with PayPal, Inc and have no current or prior outstanding balance. I also in the entirety of my account had purchases in sum not exceeding {$100.00}. I contacted PayPal Holdings, Inc by phone on XX/XX/XXXX at approximately XXXX XXXX  with Mr. XXXX and Mr. XXXX ( # XXXX ). According to the PayPay Holdings, Inc records they confirm that the account is current with XXXX balance and no active collections in process. They further confirmed there has not been a balance outstanding on the account and stated no attempt was initiated by PayPay Holdings, Inc to collect on a balance. 

Third, in confirmation using the government ability to review my credit report, there are no current charges or claims listing outstanding or debts in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Resurgent Capital Services L.P.
State: GA
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 no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
# 1 the Biggest issue is I just finished a bankruptcy for 5 years to keep my house. I have paid my mortgage payments over {$110000.00} for the last 5 years. I have paid my bankruptcy court. When the bankruptcy was over their attorney sent a letter stating I was behind since XX/XX/23 and owed {$14000.00} more then what I have on all my mortgage statement. They never put it in my plan and never showed me on my statements that I owed this money or I would have made sure it was paid. Now they will force me into another bankruptcy when discharged any day now because they will try and foreclose on my house. They were very sneaky and I think Unethical in how they handled my mortgage. Never could get info because in a bankruptcy. Couldn't pay on line made you call in. It was a fiasco from the very beginning its been very difficult I have many letters. 

# 2 - They are not showing my last payment of {$3600.00} on XX/XX/2023 and they still haven't put it so I can understand it on my bank statement? It doesn't show I paid {$3600.00} and in the past when I made a big payment it would show up as I paid it on that day? 
Also, they send out my bank statements sometimes the beginning of the month sometimes the middle to end of the month and it is always a guessing game if they will show what I paid and when and what charges they are putting on my account. 

# 3 If I called for help they would tell me to contact their attorney which I am sure cost money.

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 2022-05-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The credit companies are not complying with their own policies in a timely manner. I disputed these items on XX/XX/2022 and I have not gotten any response from the credit bureaus about this issue. I want the items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: Experian Information Solutions Inc.
State: NC
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 entered into an agreement with XXXX XXXX XXXX for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through XXXX XXXX XXXX for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a XXXX XXXX XXXX credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave XXXX XXXX XXXX permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.

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 2020-04-28
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I'm XXXX. I live in a hotel. I was able to got a car due to my bad credit.. I purchased a XXXX XXXX XXXX  XXXX XX/XX/XXXX. The loan is from Creditacceptance. I started driving for XXXX/ XXXX to get myself together. I accepted the terms of {$360.00} a month for 60 months. They loan interest rate of 23 percent. The total I would have to pay back was XXXX total. 
For the entire year I paid it. I was also told by the dealership that after a year I can call and negotiate my loan to get the interest lowered. I called the loan company and they said no they can not. I am still paying it. 
As of today XX/XX/XXXX, if I wanted to buy the car outright I would pay {$11000.00}. My car has dropped in valve fast because of the mileage from driving from XXXX/ XXXX. The value if I wanted to trade it i think when I check was around {$2200.00}. Which would leave me owing {$9200.00}. The other problem the car had 2 recalls. I took to the dealership they said it was fix and 5 days later the problem is still occurring. They said I need to buy a new engine and there nothing more they can do. This recall is the reason why my car was smoking and oil was leaking coolant leaking. I guess XXXX do not want to take responsibility for the problem they created. I contacted XXXX, ALSO XXXX MANUFACTURE. SO I CANT DRIVE BECAUSE IM AFRAID MY CAR WILL OVERHEAT AND SMOKE AND I HAVE THIS LOAN TO PAY. PLEASE 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 explanation