BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-30
Company: Bread Financial Holdings, Inc.
State: VA
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:
FYI to CFPB ONLY : I am still being harrassed by XXXX XXXX XXXX  in XXXX for disputed issues on a XXXX  in late XXXX thru XXXX. 

XXXX XXXX ignored my dispute and complaints of my acct being frauldulent handle and they refused to address issues. DURING disputes bank : BANK actively sent acct thru credit bureau WHILE i was actively disputing acct in XXXX ... .30/60/90 days and a Hit on my credit report in XXXX, THEN showed for non-payment on false/disputed acct. 

How can a bank make their own rules and harass consumers at will? 

FYI, i will keep you posted on situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.

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 2018-07-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
1 ) It appears that a credit card has been fraudulently opened in my name with " XXXX XXXX / XXXX XXXX '', which may have a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX.

2 ) I have never heard of XXXX XXXX / XXXX XXXX, I have not applied for any credit cards in years, I knew nothing about this and did not authorize it.

3 ) I disputed this via XXXX as fraudulently opened / not mine.

4 ) XXXX XXXX / XXXX XXXX '' has denied that it's fraudulent but rather responded that the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2018-08-08
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I get paid on the XXXX. 
yesterday my account had a check for XXXX, and it caused my account to overdraft. 
I got paid, still the check bouced, and I am going to be penalized because of the bank, over 80 in overdraft fees. One by the bank, other by the company that deposite the electronic transfer. 

I was abligated to open a new account due to concerns about identity theft, but it was handled badly, and y new account have no protection for overdraft. The bank did not rstore the services under a new account number, hense the This is the second time this happens, Additionally,

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 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
On XX/XX/XXXX of 2017 I received a hard inquiry from Capital One, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from Capital One in connection with this request ( as I already have one and do not desire anymore at this current time. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: Financial Credit Network Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this on XXXX in XXXX of XXXX asking for a debt valadation letter to prove I owe this debt with the orginal signed copy! Because I do not and is a hipaa violation my medical information was sold. The medicad number was not on file but it was corrected and paid after the fact! 

The dispute for the account with ACCELERATED RECIEVABLES that starts with XXXX has been removed from your credit report. 

Source : XXXX  Date Collections ACCELERATED RECIEVABLE has flagged your account as Collections. 

XXXX XXXX XXXX  ACCELERATED RECIEVABLE has flagged your account as Collections on XXXX XXXX XXXX 

Source : XXXX Company : ACCELERATED RECIEVABLE Address : XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It is not my debt. It was addressed to the same name but the wrong middle initial and the wrong address I was sent numerous letters. Upon receipt of each I called the company and denied debt and pointed out the errors. They promised to do so but have persisted in collection efforts On the last call I additionally pointed out that the debt according to the information in their letter was incurred in 2014 and was now past the Nevada Statue of Limitations. 
I believe that these repeated efforts to collect a disclaimed debt are an attempt to browbeat me into paying " go away '' money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from XXXX. Today XX/XX/XXXX, at XXXX est I get a call asking for XXXX and saying I have a XXXX loan from XXXX from Indiana . This is incorrect. I never took out a loan. I told them if they have my number, they have my address to mail an itemized bill to me. He repeats an Indiana address that is not mine. I told him he has the wrong person, to which he gets annoyed and says " I gave you the information bc you said yes ''. I tell him that I never said Yes. Asked him to repeat the name and I hear a name XXXX. I think? I said that is the wrong person. He claims he will put me on a no call list but I'm not sure. He seemed like he was trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Navy federal credit union has not provided me strict proof of contract, my identity was stolen and and bank account information was taking without my knowledge. Navy federal has not provided a strict Proof of contract and they must ceist and desist any and all of collection efforts immediately. If they transfer this account to an attorney without providing proof of contract he or she will be immediately reported to the state bar association and professional liability fund for code of ethics violations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Both XXXX and TransUnion report an account that is over the statue of limitations. The XXXX XXXX XXXX the first time it was disputed they both sent in information indicating the account first became late in XX/XX/2011 then when additional information was requested, they started to report different dates the account was delinquent. Every response/report received has different information and it makes no sense. Also my mortgage with XXXX XXXX XXXX was modified under the govt relief act and part of that process is that they were not suppose to report late payments during the process yet the two bureaus are still reporting them.

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 2020-06-04
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am trying to purchase a home and had to apply for a home mortgage. I was turned down by the lending company I applied to because someone used my identity to fraudulently open a XXXX XXXX account which is now with the collection agency LJ Ross. I am unable to purchase my home until this fraudulent account is removed from my credit report. I filed an Identity Theft Report with the FTC which is signed and attached to this complaint along with validation of my identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
navient wont change borrower to co signer happened when sallie Mae was the loaner they denied request also papers were filed electronically and the names were put in the wrong place daughter XXXX was to be borrower and me the father XXXX was to be co signer but companies refused to change it because money was sent to college I want to retire in a year from fire dept and dont want my name on this loan that should have been in my daughters name how hard can it be to change it she has been making the payments herself since grad school but they have consistently refused to alter the paperwork!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company purchased a debt that was not verified by a previous company and was ultimately removed from my credit as I am unaware of such debt. I sent a letter to the company on XX/XX/18 after receiving a notice on XX/XX/18. The company was asked to provide several tenets of proof and sent a bill without the additional evidence on XX/XX/18. Instead of allowing me to investigate, the company then added the charges to my credit as a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
1. My deceased husband 's property that he owned with his parents who are also deceased was foreclosed on XXXX XXXX 2016. According to the court records the foreclosure process was filed on the same date as when the paper work was supposedly served to my deceased husband. However, my husband was never served as he was hospitalized prior to his death during this time frame. 
2. Prior to his death, my husband, and our son tried multiple times to resolve the debt, but were mis-led by the debt collector on how to resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive been having issues with a new policy that apparently Capital One has instituted regarding crediting payments to my credit card I hold with them. I actually do most of my banking with Capital One which is why it is even more baffling. My habit ( which hasnt changed since Ive gotten the card - there is no new behaviors ) is to make my day to day purchases with my Capitol One Quiksilver Mastercard and pay them off as the pending charges come through- which I monitor through the app. The app is a Capitol One product which links all the accounts I hold with them together. It was a seamless process- to pay my card and to pay my car loan. In the last month Ive had to call them 2-3 times regarding issues for my accounts being flagged. No fraud was committed or reported. 
Right now I have a XXXX balance on my credit card - I actually believe that once it all clears up they will owe me XXXX dollars or so. Today I was on the phone with them to try to fix this issue- they are holding two of my payments for 26 days to guarantee the funds? How is that possible or even legal? Honestly at this point I want to zero out my account and cancel due to this new policy. The only reason I have a XXXX credit line with them is that they are holding the payments. As I had pointed out to them via the phone call, XXXX and XXXX - checks clear in 5-7 business days. I pay them directly from a Capital One account to a Capital one account yet there is some reason my funds are in question? They also claim that there is no way / or that no person has the authority to release this hold- which I find baffling. In doing this they are creating a tangle of financial problems for me- as I have to shift any accounts associated this card to other places. 
The only explanation they give me is that there is a new policy in place. 

Also its not for all payments - its Just random ones they pick and choose to flag. There have been other payments made an accepted after the first hold was placed. If there is a problem it should be with all payments not just one here or there that foul up the whole system. That problem should be able to be addressed and corrected- not just shuffled off. 
I spoke with them today on XX/XX/2020 @ XXXX am - then also contacted them via XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is for a HELOC which became due in XXXX. However, the company had sent me a misleading letter in XXXX, telling me that the term would expire in one year, meaning XXXX of 2015. Even though I have requested them to stop calling me every day, and sent them a certified letter to that effect, they continue to harass me with a robotic call every day at XXXX. Our situation has not changed - we are trying to refinance our house in order to pay off the HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection with XXXX and now i have a collection on my credit report from a different company for the something that i already paid. I've tried to remove the item from my credit report but not had success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have accounts that have late payment activity that is not correct, my account was never late.

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 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX XXXX  XXXX {$530.00}

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 2021-02-21
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, My names is XXXX XXXX. I purchased a clothing set from XXXX XXXX a figure on XXXX. I sent the money via cash app and was never sent the items I purchased. I the seller for my item where I was ignored and blocked. I contacted cash app where I sent the money, no one offered to help. I contacted my bank no offered to help. XXXX XXXX has a recorded of scamming fans on XXXX. I think her account should be XXXX.

Company response to consumer: Closed with explanation