BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After pulling my credit report, I was made aware of an unauthorized debt appearing on my credit report via Comenity Bank/Victoria Secret in XXXX. Because I did not authorize the debt I contacted Victoria Secret and filed an identity theft affidavit with the Federal Trade Commission.

Comentiy Bank asserted the account was closed because of questionable activity after an identity document was provided by a fraudster which did not match the documentation on file. However, Comenity Bank/Victoria Secret is complicit in the fraud as they refused to remove the account from my credit report. 

In XXXX, I made the identity theft affidavit available to Comenity Bank/Victoria Secret. I also requested removal of the fraudulent account from my credit report. Instead of protecting my information and removing the fraudulent account Comenity Bank/Victoria Secret further compromised my personal identifying information and participated in DECEPTIVE TRADE PRACTICES by selling an account it knew was initiated via fraudulent means to a collection agency, more specifically XXXX XXXX XXXX. As a result, XXXX XXXX XXXX placed the account on my credit report in XXXX. At this point both agencies were violating Fair Credit Reporting Act by simultaneously and erroneously reporting the fraudulent account on my credit report Consequently, after I contacted XXXX XXXX providing them with my FTC identity theft affidavit. As a result, XXXX XXXX removed the fraudulent account from my credit report in XX/XX/XXXX. 

Unfortunately, Comenity Bank has refused to remove the fraudulent account from my credit report. Instead of Comenity Bank contacting the purchaser of the fraudulent debt to verify removal of the fraudulent debt, XXXX, a manager in Comenity Banks Charge Off Department, requested I obtain a letter from XXXX XXXX XXXX verifying removal of the account from my credit report. I obtained the letter and provided it to XXXX with COMENITY BANK/VICTORIA SECRET. 

Subsequently, after receiving proof the account was fraudulent via unmatched identification provided by fraudster prior to the selling of the fraudulent debt, FTC identity theft affidavit and letter from XXXX verifying the account is closed and removed, XXXX as a representative of COMENITY BANK/VICTORIA SECRET has refused to remove the fraudulent account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
This is regarding a VA unemployment benefits Way2Go Debit Card. We received this card for the benefits effective XX/XX/2020 but we have never been able to activate the card using the Way2Go mobile app, XXXX, nor on the number ( XXXX ) we are to call in order to activate the card. Even we we do call the customer service number ( XXXX ) and follow all the instructions provided and inputting our own information ( card number, DOB, SSN, the security code ), the call always tells us that we are unable to verify the information. When we try to speak to the representative, the call tells us to wait in the queue until the next available agent and then after 10-15 minutes the call will time out and say that it failed. It has been almost two months and we haven't been able to use the card. This is for unemployment benefits, it is unacceptable that the card can not be used for this long. We can not even check the balance that is inside of the card. Please try to help up resolve this asap. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
There shows to be a closed/charged off XXXX  account on all 3 credit company reports. I talked to XXXX  back in 2018 up to current about this showing up. I talked to XXXX  they had my address on file to which was an old address and I made a fraud claim. They did nothing. I contacted the credit agencies for further investigation as well as the federal trade commission. This is still showing after I was advised it was handled and to give it 30-45 days to remove months ago. This needs to 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 non-monetary relief
Consumer complaint received 2019-02-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had spoke to one of the workers at a checksmart  letting her know that i would be able to pay on my loan on XX/XX/2019 and it was before the XX/XX/2019. I was expecting my paycheck to be in my account on the XX/XX/2019 but checksmart took my whole paycheck. I'm angry i have rent and other bills to pay on top of that I'm getting my children back so imagine how upset and angry i am.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 at XXXX am XXXX. I received a call from XXXX XXXX that stated he was calling from the pre legal department of XXXX XXXX. XXXX XXXX left me a voice mail requesting to speak with me by first and last name about my file with the company and provided a file number XXXX at phone number XXXX ext. XXXX. I returned the call and XXXX XXXX answered and I identified myself by first and last name and stated that I was returning the call for the message left on my voicemail. At that moment the phone disconnected. I called back and identified myself again by first and last name, stated that the line was disconnected, and stated that I was calling to inquire about the nature of my business with their company. XXXX XXXX was rude and abrasive stated to me that he was going to drop leading proceedings against me and that he has been doing what he has been doing for 31 years. I provided XXXX XXXX the file number and he then stated the name of the party he was trying to reach. I told XXXX XXXX that I am not the person he is trying to reach. XXXX XXXX began talking over me the remainder of call including giving out another person 's social security number. I informed XXXX XXXX that he gave me someone else 's social security number and XXXX XXXX disconnected the call. I called XXXX XXXX again and as soon as he answered I informed him this was not the person he was trying to reach he began talking over me again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I entered into a mortgage agreement with your company for the residence in XXXX XXXX, NC. In this mortgage agreement, I had paid for a newly built home at this address. During the walk through, my husband and I expressed concern to XXXX XXXX regarding the viability of the sod and if the drainage was satisfactory for the back yard. We were told by XXXX XXXX that the sod was dormant and would come up in the spring. He also stated that if we had drainage issues after the homes on our side of the street were finished, that they would likely need to re-grade our yard for proper drainage. 
Unfortunately, after proper and extensive lawn care, the sod has not rooted through no fault of our own and the front yard is completely dead. This was initially brought to XXXX XXXX attention in a warranty request at the end of XXXX. I did not receive communication from XXXX XXXX, so sent another request on XX/XX/XXXX ticket number XXXX regarding the yard issues. XXXX XXXX came to my residence to inspect the yard. I took him to the back yard where the poor drainage could be seen. I explained what XXXX XXXX had told us during our walk through and he told us that we were on a swell so that wouldnt change and there wasnt anything they could do. When I showed him our front yard, he expressed agreement that it was concerning and said that he would get in touch with upper management as landscaping wasnt covered under warranty. I expressed concern that it seemed as though some of the sod that was laid down prior to us closing was actually dead and not dormant. 
After over 5 weeks of communication with XXXX XXXX and his excuses as to the poor quality of my yard, XXXX XXXX informed me that there was nothing that XXXX XXXX could do. I also requested to see a certification that the sod that was laid down was in fact dormant and not dead, but I was told that wouldnt be possible. It is evident that XXXX XXXX does not stand behind the quality of their work. 
I would appreciate it if you could organize to replace the dead sod in the yard as well as correct the drainage in the back yard so that the grass can grow in the areas with excess moisture. I have moss, mushrooms and an abundance of insects in my yard due to the excessive moisture buildup and improper drainage. There are other builders in the area that stand behind their product and have replaced friends poor quality yards with no contest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.

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 2021-04-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
XXXX XXXX is an app in which you buy electronics bags clothes jewelry ShopXXXX ask me to pay thru money gram for the merchandise for lesser price due to shipping delays I feel like I am a victim of fraud I paid they haven't shipped contacted no response XXXX XXXX XXXXXXXX expand_more Reference No. XXXX TRANSACTION STATUS Completed TRANSACTION DATE XXXX XXXX XXXXXXXX TRANSACTION TIME XXXXXXXX XXXX  CDT This transaction has been successfully sent to XXXX XXXX. 
RECEIVER XXXX XXXX RECEIVE AMOUNT XXXX TRY RECEIVE METHOD Cash Pickup SEND AMOUNT XXXX USD PAYMENT METHOD Debit/Credit Card FEES XXXX USD Total Cost : XXXX XXXX Send Again View Receipt Support expand_more Legal Information expand_more Corporate expand_more XXXX MoneyGram. Licensed as a Money Transmitter by the New York State Department of Financial Services. Massachusetts Check Seller License # XXXX, Foreign Transmittal License # XXXX, NMLS # XXXX. Licensed by the Georgia Department of Banking and Finance ; XXXX # XXXX. 

Follow us on : close MoneyGram Logo Your Receiver can now collect these funds at any MoneyGram Location in the expected destination. To find a Location, please check our Locator. You should communicate your Reference Number [ or Bancomer Confirmation Number, as applicable ] to your Receiver to facilitate payment.

MONEYGRAM PAYMENT SYSTEMS, INC. 
XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX moneygram.com MONEYGRAM SEND This transaction is subject to MoneyGram Terms and Conditions. 

Date : XX/XX/XXXX XXXXXXXX XXXX  CDT Sender Information MoneyGram Plus : XXXX Name : XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX United States Receiver Information Name : XXXX XXXX Expected Destination : XXXX Receive Option : Cash Pickup Reference Number : XXXX ( Used by MoneyGram for tracking ) Date Available in Expected Destination : XXXX ( May be available sooner ) Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD Debit Against Card : Mastercard XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Rate : 1 USD = XXXX TRY Receive Amount : XXXX TRY Other Fees : XXXX TRY Other Taxes : XXXX TRY Total Receive Amount : XXXX TRY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions 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:
I was victim of identity theft so I called experienced to dispute some fraudulent activity in my report on XX/XX/2020. I also froze my account at that time. Then on XX/XX/2020 I got an email saying that my email had changed in my account. I was the. Locked out of my account. I replied to the email that was sent and told them I had not changed my email but never received a reply back. I tried calling Experian on XXXX and was told the security questions I gave them were not correct and they could not access my account for three days. Then I was sent to fraud department who said they could not help me with identity information that was membership problem. The person was rude and hung up on me. I called again and spoke to someone else I to clarify information on my credit report but he could not get because someone changed my pin on my membership and freeze. I had to send in a letter. I believe this is an inside job with employees and must be investigated.

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 2020-05-20
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items 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 explanation
Consumer complaint received 2021-01-20
Company: BARCLAYS BANK DELAWARE
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:
Barclays called me to make a payment on my account. The minimal amount was XXXX dollars. I paid XXXX dollars. While I was on the phone with Barclays I saw online my credit card statement was being altered making the minimal to XXXX .Then Barclays charges me XXXX dollars for not making this minimal payment. In addition, Barclays lowers all of my credit lines on all three accounts preventing me form making additional purchases. One account were opened on XX/XX/XXXX with a credit line of XXXX, XXXX dollars. on account ending in XXXX. Barclays lowers to XXXX, XXXX. The second account was opened on XX/XX/XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. Third account opened in XXXX ending in XXXX for XXXX dollars. Barclays lowers to XXXX dollars. This was done to punish me for doing business with them all these years. This was done all at the same time. Barclays charges fees at will. The most shameful part of this whole experience is that Barclays have been doing this to other clients and to their own employees. These employees have told me that they are afraid to speak up for fear of losing their jobs. They go on to say '' We have seen our colleagues purposely change our clients credit card statements just to make them pay more. '' If they like you. They leave you alone. If they don't like you, they punish you.. Lowering these credit lines has maxed out these cards and thus lowering my credit score. As these employees have said. : '' Barclays plays games with our clients credit card statements. You are not the only one who has been hurt by Barclays!!!. '' Please keep in mind that Barclays has been sued before on this. Barclays refuses to correct the credit damage they have caused., Barclays has preventing me to seek additional credit with other creditors because of Barclays negative remarks on my credit file. Barclays has also taken away the benefits associated with these accounts, Barclays refuses to give you bonus points on the purchases I made. Barclays destroyed my Jet Blue Account on account XXXX by taking away my skyway miles and preventing me to purchase air line tickets.,

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 2021-04-08
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: Account status incorrect

Complaint:
This is regarding my XXXX XXXX card. It is currently active and I use it monthly. It reads closed on my credit Report. I have asked both XXXX XXXXXXXX and experian to correct this. Card was never closed on XX/XX/2020. I am trying to qualify to buy a house and need to show more open credit. I also don't want it to appear as a newly opened card that will not help 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 2021-10-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the XXXX time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have an unauthorized inquiry on my consumer file dated XX/XX/2022 from 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 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have called on muliple occasions and talked with upper managment about the issue and just have been givin the run around. I have been told that there are waiting on the company who provided the info and will be resolved within 30days everytime i have called. It has been over 16 months and still no resolution. This has caused me muliple deniles of credit wich has greatly hindered my life. As of today XX/XX/XXXX still nothing when dispute was initiated on 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