BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: Resurgent Capital Services L.P.
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: Old information reappears or never goes away

Complaint:
XXXX XXXX has placed information on my credit report without sending me a dunning notice or validating the alleged debt when requested. I have sent two letters via XXXX with signature confirmation ( Tracking : XXXX & XXXX ) indicating that no communication what-so-ever was received from XXXX before the unvalidated information was placed on my reports. XXXX does not respond, nor have they corrected my credit report. Please note : From XXXX The management of purchased assets is outsourced to a third-party specializing in the management of these types of consumer assets, Resurgent Capital Services LP ( Resurgent ). Resurgent is a manager and servicer of domestic and international consumer debt portfolios for credit grantors and debt buyers, including XXXX, and performs these services on their behalf. Resurgent, a licensed debt collector, may perform these activities directly, or in most cases, will outsource the recovery activities to other, independent, specialized, licensed collection agencies.
This is why the complaint is addressed to Resurgent Capital Services LP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unprofessional and needs to be resolved ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX, and XXXX XXXX have all resolved my current debt and I have the checks that was cashed. I sent proof to all the credit bureaus and they will not remove it. I also will attached the checks as well.

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 2019-02-21
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company uses robo calls and they call at least once a day often 2 or 3  times, no one in my household knows what they want as none of us are behind on anything the number is my house number but they also have my cell number which I have blocked -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a KingSize XXXX and XXXX store card by Comenity Bank. My forst order I placed showed up as the wrong size, so I initiated a return online and returned the merchandise for a refund. I didn't want to pay the {$170.00}, since I was receiving a full refund, so I waited until the return was credited to my account. The refund came after the statement date, and they only refunded {$150.00} No one can tell me where the other {$23.00} is and why it hasn't been refunded to me. I then placed another order in the amount of {$100.00}. 
My new statement came out XX/XX/2021. On XX/XX/2021, I received 5 calls from 3 different numbers ( XXXX, XXXX and XXXX ) that all came back to Comenity bank. The calls were " dead air '', just silent on the other end and they hung up about 10 seconds after I answered them. On Sunday, XXXX, I received 5 more, The first at exactly XXXX, the rest all before XXXX. All of these were dead air as well, and they were from XXXX, XXXX and XXXX all of these numbers are shown as coming back to Comenity bank. I called the XXXX number for customer service on the card, ( XXXX ), and was told there was no one that could help me until XXXX Monday thru Friday. This is pure and simple harassment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XX/XX/XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.

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 2021-02-21
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Over a year ago, my TD Bank card was closed out. I had contacted support about this issue - since my autopay was never set up correctly despite being aware it was, I had my card charged off and cancelled. I now have multiple late marks on my credit report. I had paid it off by phone immediately upon learning about the issue, but unfortunately it was too late. 

Unfortunately due to unintuitive tools and no communication from TD, I have this mark on my report. I would like to remedy this. I would like to know what can be done, if a relationship can be re-established or if these marks can be taken off my report. I am sorry for the account being late, but also to my knowledge there was a full autopay on the account. 

The agent expressed a lot of sorrow and very much could tell this was not my fault or due to financial hardship. She tried to do what she could, but due to limited tools on her end, was unable to assist beyond making sure my account got paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: The Bureaus, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report on XX/XX/XXXX, I noticed information for THE BUREAUS in the amount of {$830.00}. They agency reported the debt to my credit report on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX left a lengthy message about an acquaintance asking us to have them call back re : a debt owed. They shared enough info in a phone message that we knew it was a collections call. XXXX XXXX has never used our phone or lived with us- is not a relative. XXXX violated collection laws by sharing this information in a phone message. XXXX @ XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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:
I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$780.00}

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 2021-02-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Home Depot credit card account. 
11 purchases not made by me. All at the XXXX, XXXX Home Depot store where I have never been. 
All fraud. 

XXXX {$970.00} XXXX {$1100.00} XXXX {$990.00} XXXX {$890.00} XXXX {$990.00} XXXX {$980.00} XXXX {$990.00} XXXX {$1900.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1100.00} Again these are all fraudulent charges. I have disputed this with Home Depot to no avail. I filed a police report with the XXXX Illinois Police department. They are investigating. I don't know what else I can do but I am not paying for things I did not buy. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I opened both checking and savings accounts with Fifth Third bank. When I tried to close them, transferring the funds to two external banks, I was charged a XXXX dollar fee for transferring the funds to one of them. When I called the bank and asked for an explanation, I was told I was notified of the fee. I had not been. When I asked why I was only charged the fee on one transfer, they told me that was my fault but refused to explain why or how the fees are determined. When I asked to have the rest of the funds transferred, they refused. They, instead, mailed an illegible and crookedly photocopied form. I mailed it and wait for the funds to be delivered via check. 

My parents each opened and then subsequently closed accounts with Fifth Third bank. Upon attempting to close the accounts, they faced more trouble than I have. XXXX XXXX only allows ACH of {$2000.00} per transaction, now, and charges XXXX dollars per transfer. 

When I asked to speak to someone in the bank about " Unfair and Deceptive Practices '' since they refused to send or point me to their schedule of fees, have repeatedly given contradictory answers regarding the process to close the accounts and get our money, etc., I was told they don't have a department to handle that type of complaint but that a manager would call me back. It's now been a week with no call. 

I feel they lie to get new accounts, lie about their fees, and then delay people when they attempt to take their money back and close their accounts. 

Please investigate as I'm sure my parents and I aren't the only victims of repeated {$3.00} fees with no consistent explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately : XXXX XXXX XXXX Balance {$2600.00} XXXX  XXXX XXXX XXXX Balance : {$1300.00} The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-02-02
Company: CORELOGIC 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:
XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : Credco XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX  ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, 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 2021-03-29
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am writing this letter in regards to a bill that I received in the mail from Credence Resource Management in the amount of {$990.00} that was already paid by my insurance in XXXX and I do not owe this debt. Please do not contact me again and try to collect on debt that I do not owe. 

Call documented : XX/XX/XXXX at XXXX : XXXX Spoke with XXXX and provided insurance info. She disclosed that it may take 30-45 days to update the invoice and receive updated bill, and my insurance XXXX XXXX XXXX XXXX will cover the bill. 
Confirmed on XX/XX/XXXX with XXXX XXXX XXXX XXXX that this claim was resolved and paid in the amount of $ XXXXClaim # is XXXX Account # : XXXX Status of account : PAID IN XX/XX/XXXX Thank you, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid amount to original creditor ( XXXX ) XXXX stated that it would be a pay for delete from my report if the amount was paid in full. They also confirmed that the collections account would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a Fraudulent company named XXXX, their representative ( a woman online ) reached out to me and advised me to invest in them. 

I transferred my Funds via my Coinbase account to this Scam Company, i was not being cautious since I had thought that the website was legitimate, since nothing raised a flag that deemed it suspicious. 

I had initially invested a lot of money and after that they accused me of Money Laundering since I had placed so many orders. The scammers tried to make me pay a penalty of 9 % XXXX USD, but I had realized it was a scam and did not fall for it. I lost XXXX USD.

Company response to consumer: Closed with explanation