BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-23
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My XXXX XXXX XXXX  was bought out by another company. The company is Selene Finance. I was never notified. I went to go pay my bill and saw the loan was removed due to  release on XX/XX/2018. I had to call XXXX to ask why this had happened. It took me about half hour to get through to them due to high call volume. They informed me that my loan had been sold to Selene and gave me their number. I asked why I had not been notified and she just said I am sorry you were not notified. 
I called Selene after being on hold for about twenty minutes. The rep. asked for my info and after getting it told me that this phone call was an attempt to collect a Debt. I told him that my account was not delinquent and he said yes that is true. He gave me my account number so that I would be able to complete my online account. I asked him why I was not notified since the first payment would be due on XX/XX/XXXX. He said that I would be receiving a packet in the mail very soon and then I could mail in my payment. I asked why I was not notified sooner, he had no answer. 
If I had waited for them to get me this info by mail and then mail it in, the payment would have been late. I completed the online account with Selene and scheduled a payment for XX/XX/XXXX. I see on the XXXX  that many people have gone through this with not being notified and then having late payments. Also it seems that this company has a problem with posting payments on time and others going in to foreclosure due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a XXXX  back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email XXXX  customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.

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 2023-08-21
Company: Spring Oaks Capital, LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: NY
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 submitted a dispute letter regarding inaccuracies on my report on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't receive a response. To my knowledge the company has 30 to 45 days to respond to my dispute. They are in violation of the fair credit reporting act. These inaccuracies are  drastically effecting my credit score. 
I understand we are in difficult times but these inaccuracies must be corrected. Thank you and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYBANK/VICTORIASSECRET failed to give me proper validation of this debt. 

I mailed COMENITYBANK/VICTORIASSECRET a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an account that has the same account number and has been reported 2 times on my credit report account number # XXXX has credit limit of XXXX and reports again for XXXX and has 2 different open dates I sent letters to Experian, XXXX  and XXXX   and they still said that I was verified, but it wrong because I the open dates also the card limit

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 2021-08-10
Company: Square Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was issued a refund thru cash app by a merchant XX/XX/2021 but never received the refund. It was 4 refunds {$25.00}, {$25.00}, {$15.00}, and {$25.00}. It is XX/XX/2021 and I still have not gotten my money or any reasonable solution or date of when my funds will go back into my account. I have contacted them every day in every way possible and they will not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The credit card promised the following : ( Apply for credit card on XX/XX/2023 ) Earn {$100.00} Cash Back after spending {$500.00} with the XXXX XXXX XXXX XXXX Credit Card, outside of the XXXX, within the first 90 days of account opening. Paid as a statement credit. 

Within 90 days i fulfilled the terms to receive the credit. ( by XX/XX/2023 ) I have NOT received the statement credit AND I have called numerous times to request the statement credit with no success ( XXXX, XXXX, XXXX, XXXX ). I have also filed a dispute with the credit card but have not reached resolution. 

I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was directed to this website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
On or about XX/XX/XXXX a purchase was made with XXXX. Unfortunately an item was missing from the shopping bag that I was charged for and I called and spoke with XXXX who offered no assistance. Furthermore, a gift card was to be provided and the receipt was ripped in half thereby invalidating the gift card. I then disputed the charge with the credit card company. Initially they dispute the charge but then received a non-responsive answer from the merchant and reversed the charge on me on or about XX/XX/XXXX. This is despite them simultaneous sending me a letter from one XXXX XXXX asking me if I wanted to continue the dispute. They should have, at minimum, waited for me to answer before reversing the charge on me. Of course, they should have investigated the self-serving answer from the merchant. Once I received correspondence from XXXX I immediately called her more than a dozen times. But her phone kept ringing busy. I filled out the paperwork to dispute the charge and faxed it but only received a message from what sounded like XXXX but she does not speak English well. I then called back repeatedly, including today, at her extension, only to receive more busy signals. I am dismayed that Chase would handle my dispute in such a poor manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: KY
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 am writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on X/XX/2017 via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job ASAP.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting Act, XXXX XXXX {$3000.00} # XXXX, XXXX XXXX {$600.00} # XXXX has violated my rights. 15 U.S.C. 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: PA
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 have derogatory information on my three credit bureaus from XXXX, Equifax and XXXX  that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the debt collector I.Q. data on XX/XX/2020 to request information on this debt that is over 3 years old. I requested in writing the information and haven't received it and its been over 30 days. I was told by a supervisor that he refused to send the information to me and that it didn't matter, I just needed to pay it. There was also obscene language used against me by two different people and my personal information was asked without my permission to obtain it for some kind of loan process that sounded fraudulent.

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 2018-04-12
Company: Experian Information Solutions 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:
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2021-10-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/2021, I went into Navy FCU to deposit a check. It was my initial oversight not recognizing this check was for my business not my person. The Navy staff failed to do his job by double checking everything and deposited the check into my personal account. The check was cleared and funds were made available. On Wednesday, XX/XX/2021, I went into the branch to withdraw funds and was there for 75 minutes because there it was discovered it was a business check. The account was restricted and I was not able to access any funds. This causes me financial distress because I missed a business deal. I am in the pre-planning of filing a lawsuit for damages.

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 2023-06-07
Company: EQUIFAX, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA FEDERAL SAVINGS Bank reporting to the 3 credit bureaus as a derogatory mark on there I aske that this be remove balance of {$20000.00} is a negative report on my credit reports AND HAVE SENT SEVERAL LETTERS TO AGENCY ALL COME BACK RETURN TO SENDER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: MONEY SOURCE, INC., THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the transfer of my home loan to new lender, the Escrow amounts were partially transferred and the new lender asking to pay penalty because of shortage in funds.

So why the customer is responsible for the shortage of funds, which was not done by customer.

And I have already paid the Escrow as part of taxes and insurance, but the statement is misguiding and even Customer Representatives are not FULLY aware of it and simply hung up on me, instead to explain where the Escrow balance funds are gone.

I was so frustrated with calls and not understanding why the customer is responsible for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602A States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an 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