BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: R.M. Galicia, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection company never sent me a notice that they had the account as required within five days of them receiving the alleged debt. I found out the amount by pulling my credit report two YEARS later. On XX/XX/XXXX I was seen at the emergency room of XXXX XXXX XXXX in XXXX XXXX, CA. I never received an invoice from XXXX. They turned my account over to Progressive Management Systems for collection. XXXX XXXX NEVER sent me anything, just reported my account to the three collection agencies. On XX/XX/XXXX I sent a payment for delete letter, which has been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
Please Delete the following fraudulent accounts that's attached to this Identity Theft affidavit I am a victim of identity theft and has reported it to the federal trade commission, according to the FCRA 15 USC 1591inaccurate Information can not be reported on my credit file. Please delete the Fraudulent accounts as soon as possible to correct my credit report. 
Account Name : XXXX Account Number : XXXX Balance : {$2500.00} Dated openXXXX

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 2022-09-06
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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

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 2022-08-05
Company: Kriya Capital, LLC
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:
RE : XXXX On XX/XX/XXXX, I wrote to XXXX requesting an investigation into an item I believed was inaccurate. The item was removed and recently reappeared and re-aged with a current date. 

This collection agency reports a debt from XXXX as being opened on XX/XX/XXXX. 
CREDENCE RESOURCE MANAGEMENT, Account Number : XXXX. 

This is untrue and the account was re-aged. XXXX has not removed this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
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: Confusing or misleading advertising about the credit card

Complaint:
My name is XXXX XXXX I've been with credit karma since XX/XX/202, and i think I was deceived to apply for credit card through credit karma and I think it was im being mislead to apply for credit card and also preapproved for loans.i feel like they are giving me false information and I'm filing for emotional trauma and stress

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Solidifi US, Inc.
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, Solidifi XXXX XXXX emailed us a check for {$350.00}. On XX/XX/XXXX, we contacted to advise them we can not cash the check as it is made to " The XXXX XXXX XXXX Joint Revocable Living Trust '' and we do not have any accounts titled this way. When we spoke with XXXX XXXX of Solidify on XX/XX/XXXX. She asked that XXXX and I send her an email with this request on XX/XX/XXXX which we did. However, on XX/XX/XXXX she asked us to do this again. I emailed her again with this request. I attached the copy of our request of XX/XX/XXXX. Refinancing with XXXX and having Solidifi as our title company has been a total nightmare! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX ( Original Creditor : XXXX ) XXXXBalance Owed : {$150.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX BalanceOwed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXXBalance Owed : {$700.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2019-04-19
Company: WELLS FARGO & COMPANY
State: FL
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:
Greetings, I called Wells Fargo this morning as soon as I got back from my cruise due to several charges that they charged me on my debit card that was on file with XXXX XXXX. I told the agent that those charges on my account was not authorized by me and they had no authority of charging my account for entertainment services that I did not authorized. I played in the casino without my card and I took a picture so they can see that my card was not inserted in the machine and that it is wrong and fraudulent from casino to charge me. I was not the only individual that went and complained to the casino. When I went to guest services they said that they have nothing to do with the casino and that I need to pay them the balance which was {$310.00}, so I gave them {$400.00} cash and my balance with them was XXXX with a credit of {$85.00} Then yesterday XX/XX/2019 when I opened my app I noticed that I have a balance of {$1200.00} so I went back to the guest service desk to ask what happened so they sent me again to the casino, when I got there I showed them the only money I ever took was from my own winning and I enclosed a receipt for you to see. They told me that the money is just on hold and that there will be no issue. 
So this morning I called Wells Fargo ASAP and filed a dispute and the first agent was very nice to help to resolved this issue then she transferred me to a lady at the dispute department by the name of XXXX that started to listen to my issues and then started to tell me that the bank can refund me the money however that they are going to reverse it again because XXXX is going to deny the charges. I have been with Wells Fargo for more than 4 years and never an issue beside one time when one of their agent was very rude towards me and my mother at a branch and the branch manger resolved the issue by bringing me in. So I now I feel that Wells Fargo should protect me as a customer and a military individual and fixed this issue and help me get back my money as they can see the money was deposited by the military to pay my wifes school and my trip was paid for everything by the military travel.

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: WELLS FARGO & COMPANY
State: WY
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:
Wells Fargo XXXX XXXX XXXX has not reported to credit bureaus for 90 days. I have three accounts that show deliquent that are actually current. I have attempted to resolve this with WF XXXX several times and was told it was fixed and is current. I had a hard pull on my credit report to attempt to get financed for a home loan and was denied because of these false claims that my account is delinquent. I was advised by the mortgage lender to file a complaint if WF XXXX could not repair the credit report immediately. I was told by WF XXXX that someone will be contacting me within ten business days. Meanwhile, the home I was going to buy is under contract with another purchaser, I am on the hook for {$240.00} for attempting to have a Rapid report performed on my credit, which should reflect the changes I was told had been made. I also damaged my credit even further having a useless hard pull on my credit.

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 2023-06-24
Company: Experian Information Solutions Inc.
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:
The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed 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 explanation
Consumer complaint received 2019-12-02
Company: Bread Financial Holdings, Inc.
State: MO
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:
Hello - I contacted Commenity Credit about my XXXX MC card on XX/XX/2019 via email to report fraud usage on my account. On XX/XX/2019 my purse was lost and my XXXX credit card was in my wallet. All of my personal information including my driver 's license and social security card were in my wallet. My cellphone was also in my purse. I immediately reported to my other creditors that my purse was lost, but did not report to Commenity because I had not activated the XXXX card. I had only used the XXXX account one time when it was initially opened in the store. I received a response back to contact the fraud services department and i did so opening a fraud claim. While speaking with the representative, he was not really paying attention to what i was saying and later i actually received two cards in the mail because he ordered a new card twice. If you listen to the call recording you will understand what i mean. I also received two fraud affidavits in the mail. I did fill out and return the fraud affidavit to Commenity as requested. I only contacted Commenity when i did because i saw the account balance show up on my credit report and knew i had not made the purchase. Commenity sent me a generic letter and advised they had completed a review and found no evidence of fraud. I contacted them back by email on XX/XX/2019 and was told to contact the fraud department to open a claim again. When i asked for evidence of their investigation, their response was to contact the fraud department to open a claim, which i already did and they told me they found no evidence of fraud.I have now replaced my cellphone and am getting call after call after call. today i received 5 and yesterday i received 6. Last week i received a call from a local collection agency and i advised them as i have advised Commenity that the charges were made without my permission and i do not know the person who made the charges. I now have received an update on my credit bureau that the account is reporting past due and has been closed. This is negatively impacting my credit because Commenity has failed to resolve the issue. I should not have to go to so much trouble to get a creditor to do the right thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Discover account number XXXX XXXX XXXX XXXX I was denied an extension of my own consumer credit under my own open end consumer credit. 
This is adverse action pursuant to 15 USC 1681 ( a ) ( k ) ( 1 ), and 15 USC 1691 ( d ) ( 6 ), UCC 8-105//UCC 8-502

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2019-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was reconciling my bank account today XX/XX/2019 and found that I found charges of {$4.00} on XX/XX/2019, {$19.00} on XX/XX/2019 and {$19.00} on XX/XX/2019 from EQUIFAX. I had no idea what these charges were for so I called EQUIFAX and spoke with XXXX or XXXX in customer service. She stated that I signed up for a credit monitoring plan for an introductory of {$4.00} and {$19.00} thereafter. I told I did no such thing and that I only signed up with XXXX   not EQUIFAX. She said they will cancel my account and my last day will be XX/XX/XXXX. I disputed that and said I did not give permission to be enrolled in this plan, it was done without my knowledge and without my consent and I wanted it cancelled as if never in effect and I want my funds back. She transferred me to her supervisor XXXX and he stated that because the security questions were answered correctly, which consisted of my name, phone number, email and my dogs name, that he would not authorize the refund. I told him I was going to file a complaint because I never authorized these charges and I confirmed this call center is not in the United States which is of great concern for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a set a quilt set on Wayfair.com and was used the Comenity credit card. After I received and didn't like the color of the product, I returned the full set and paid {$12.00} return shipping fee. 

I should have any more balance but they kept saying I owe them something and accumulate late fee and asking for payment. I refuse to pay for something that I have successfully returned and paid return shipping fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; US DEPT ED XXXXBalance Owed : {$4000.00} ; US DEPT ED XXXX Balance Owed : {$3000.00} ; XXXX XXXXBalance Owed : {$6400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ; XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 2018-05-21
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have lived in our house since we built it in XX/XX/XXXX. We have paid off a second mortgage in full, paid property taxes and homeowners insurance on time and in full with no escrow account. We have NEVER been late or missed a mortgage payment. Since OCWEN became our mortgage servicer, we have encountered nothing but problems. 

On or about XX/XX/XXXX I received a call from OCWEN stating that they were offering a service to mortgage holders in good standing who have owned their home for over 15 years. They were going to pay the taxes and insurance for calendar XXXX and apply those payments to the back of our mortgage. When I asked what the catch was, I was told there would be no catch, this was a company marketing effort to enhance good will with our customers. 

While I was HIGHLY suspicious, and should have know better based on my earlier problems with OCWEN, I agreed to the promotion. 

As I expected, OCWEN did not do as they promised. Our taxes were due on XX/XX/XXXX and were not paid. I called OCWEN and was told that tax payments were paid in bulk and there are times when the county doesn't apply the payments in a timely manner. I was told to " rest easy '' as the taxes had been paid. 

On XX/XX/XXXX I called the XXXX County Tax Office and was told that the taxes had not been paid. I again called OCWEN and was told that they had been processed. 

OCWEN finally paid the taxes on XX/XX/XXXX. Penalties and interest were assessed as the taxes were paid 145 days late. I again called OCWEN and was told that it was a clerical mistake at XXXX County and that the original payment had been returned. I called XXXX County and was told that the only payment associated with my property was received on XX/XX/XXXX. 

I've been fighting with OCWEN over this " good will '' marketing plan ever since. They stopped applying my mortgage payments to the loan and started applying them to the past due balance. They now say that I am in default and are attempting to foreclose. 

I am requesting any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation