BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: Selene Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage. The servicer is Selene Finance. I filed a bankruptcy a few years ago and received plan confirmation back in XXXX. I made the payments to mortgage servicer as told from bankruptcy court. I have received no statements to this date. My payments have been made on time and every month until the mortgage company started sending the payments back. During this time I received loan modifications and in XXXX a notice of change of servicer. In XXXX, my daughter looked into why they keep sending this information. The mortgage company had increased my payments without sending a notice or sending a statement anytime during this period. I still have yet to receive statements except one sent to my bankruptcy attorney in XX/XX/XXXX. Now the mortgage company is saying I owe close to {$21000.00} and have been sending my payments back. I also have documentation that the payments were sent and up to date until they changed the payment amount without any notification to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.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 2016-06-08
Company: Reliant Capital Solutions, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm being charge a amount of {$1900.00} for some storage fees of a vehicle that I sold in 2007. A car that has not been in my possession for over 8 years. 


They claim that I owe the debt because I was the last register owner. I asked them how can that be if I never received any license fees, registration, smog requirements or any paperwork from the DMV stating that I own the vehicle, The Debt collector then stated that I must of never finished register process of the vehicle and that 's why I am responsible. I told them that the truck was under my name and I had it for 3 years and when I sold it I turned in my release of liability paper work to the DMV. There fore I should not be responsible for this debt. 

I did not sign or agree on any agreement for the yard which should make me free of this debt.

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 2023-01-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from Comenity Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with ComenityXXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, Comenity has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that Comenity has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, Comenity was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and Comenity would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of Comenity XXXX XXXX XXXX 

I have previously complained about Comenity XXXX XXXX  who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for Comenity, and they have XXXX complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account was put on hold around XX/XX/XXXX due to some sort of " suspected fraud ''. I had called us bank about it and after talking to a few bankers they said I had to talk to the electronic fraud person in charge of overseeing my account. After 3 days in a row of trying to contact this person, and leaving him a message, I called again and the banker I talked to said that he still wasn't in and that they would have somebody else look at my account. After being put on hold the person said that my account would be closed and I would receive a check in the mail in 5-7 business days. I asked when they were going to send it and they said right now. Fast forward to XX/XX/XXXX, after waiting for my check in the mail for 12 days I called again and they told me that they never closed my account. After waiting on the phone for like another 2 hours they finally said they would close my account and send me a check in the mail. The problem is it will now be at least 3 weeks total without having access to my money. All of my accounts have now acquired late fees due to the fact that they said they had already sent out my money.

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
CAPITALONE AND XXXX ARE INCOLLUSION WITH VIOLATING DODD FRANK ACT TITLE X AND FCRA 15 U.S.C. Section 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 reviewed a copy of my credit report and show inaccurate information shown. This creditor XXXX XXXX is showing a late payment listed on XX/XX/2020. I sent in a dispute to advised I have never been late on this account. I also contacting creditor and creditor stated that they will update account to show on time payment. I still as of yet have not received and update or a credit report showing the updated result.

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 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Im a victim of identity theft someone got my information and ran up my accounts I did contact the companies and they did removed the negatives items of my report but now theyre back on 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 2018-10-01
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe the NATIONAL CREDIT ADJUSTERS charges they keep claiming I need to pay to them or someone else. It's so frustrating and it's also affecting my credit history. I just paid my Student Loans and that is showing that I'm a very responsible person to make my payments on time if they are mine to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX has my account with a past due balance of XXXX and the account has been settled. The Credit union show my account closed and settled, but wo n't take the past due {$940.00} off the credit report. The balance should show zero, just as all my creditors show. Please help asap.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When looking over my report I went through and found some discrepancies on my report. Experian and XXXX XXXX are reporting 11 Charge offs on my report also as well as dates of payments negative reports and balances. I have requested validation of the account countless times, and have only received e-oscar verification from experian. I also I have also contacted XXXX to validate account and was told the account was sold to XXXX XXXX. When I sent a letter to validated with XXXX I was told the account was back with the original creditor XXXX. I have looked at my report countless times and nothing shows this account to be accurate, true or that it my account. This error and Item in question on my report made by all parties involved including Experian is on my repoert.

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 2017-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19
Company: JPMORGAN CHASE & CO.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a letter from XXXX XXXX XXXX XXXX stating that I owe them {$4200.00} for a Providian bank credit card. I was involved in a class action lawsuit that erased this debt and I received a payment from Providian.This was in the XXXX. Even if this is mine from Providian it is well beyond the statutes of limitations, and made invalid because of the deceptive practices employed by Providian Bank, So with that said I believe this is a violation of the FCRA or at the least a violation of Oregon State Unlawful Debt Collections Practices act. In order for a collection agency to collect debts from an Oregon resident the company must be registered and licensed by the state of Oregon, which this company does not posses, Therefore XXXX XXXX XXXX XXXX is not entitled to to collect OR attempt to collect ANY debt from myself.This action alone can result in severe statutory penalties by the state of Oregon.If this company has reported this to any credit reporting agency, this could constitute fraud on the collection agency 's part under both federal and state laws. This has been on my credit report in the distant past but has been removed due to the class action suit. This item has been bought and sold many times over the years and I am sure it is just cobbled information packaged to appear that it is a new debt by this company or and others. If they continue with this, then I am very happy to see them in court here in XXXX County Oregon. I do not believe that anything this company professes to hold can stand up to the scrutiny of a court room. This attempt is illegal on many front 's and I am tired of desperate companies trying to scam me and I am prepared to see them in a court room, in fact I ask for it. In short this company is in violation of both federal and state laws and I want this to cease. I am writing a letter to my state AG and the state of NV 's AG as well. I have looked this company up and they have an XXXX rating with the XXXX and there is at least XXXX complaints on rip off report, this company is an obvious scammer. On XXXX notes, concerning them, there is pages of complaints about this company and their attempts at scamming people across the nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Netspend Corporation
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX XXXX 2015 my significant other passed away, he was a secondary card holder on my account as is my niece, I am the primary card holder. On XXXX XXXX 2015, Netspend who has my prepaid card sent me an email stating not to use my card until I call them and when I spoke to a CSR he said risk management closed my account due to a secondary card holder 's death. When I tried to explain that I was the primary, I was told that risk management closed it and it was n't reversible. I made a complaint with the XXXX and Netspend responded with " anytime there is a death with a primary or secondary card holder the account is closed '' per their terms yet I could not find anything about death of card holders except that the XXXX card holder is responsible for the XXXX card holder card use. The CSR told me they could order a new card and account number but they ca n't reopen my account. I asked to speak to risk management and was put on hold, the CSR came back on the line again to tell me that they could open me a new account etc. I tried to explain to him that my payroll checks and my significant others checks still go to that account ( I 'm entitled to payments from his various holdings as his beneficiary ) again I was told they could open a new account for me and because of this my checks from his accounts have been put on hold for verification. After I contacted XXXX and the company contacted them I received a phone call from a XXXX XXXX and he left a message stating he was in the office until XXXX CST I retuned his call at XXXX CST time and he was not in his office, then I emailed him and told him and the XXXX that I would be contacting you, he has not called or emailed since I first emailed and called him.I do n't feel that they should have closed my account and at best they should have contacted me so that I may explain why his name was n't remove from my account, but know they closed it then contacted me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-16
Company: Experian Information Solutions Inc.
State: NC
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXXXXXX Balance Owed : {$5.00} ; XXXXM XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX Balnace : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$70.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX, XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired onXXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.

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 2017-10-06
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 status incorrect

Complaint:
This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Upon using my XXXX/Commenity bank card, I was offered an interest free program if paid off before a certain amount of months. However, Commenity still charged me interest every month. 5 months later I contact commenity and was informed that they woud fix the error with the program that commenity entered me into after supplying them with the necessary documents to prove my claim. 9 months later they still have not fixed the error. They are refusing to give me what they promised. I had a customer service representative call and speak to me and a nasty manner saying things like "you can tell me the truth you don't have the money". I was told by a customer service representative "It doesn't matter what we say we were going to do, we are not honoring the no interest program for you." This is not fair. If I wasn't told my purchase would be interest free I wouldn't have used the card. Even though they stated they would fix the error, they don't feel like they have to follow through.

Company response to consumer: Closed with monetary relief