BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Bread Financial Holdings, 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:
Someone had submitted multiple fraudulent applications with COMENITY/VICTORIA SECRET that resulted in several credit inquiries ( all of which were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). These unauthorized and fraudulent activities had already been reported to the 3 credit bureaus and had already begun to negatively impact my credit reports and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
Company: Synovus Bank
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First Progress Account # XXXX is currently violating FCPA 15 USC 1681s-2- Resposibilities of Furnisher of information to consumer reporting agencies. DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. I have directly requested validation of Debt regarding First Progress Account Number XXXX via USPS Certified Mail XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX. First Progress Did Not Validate this debt in pursuant of the FCPA. I mailed the letters in pursuant of the ADMINISTRATIVE PROCEDURE ACT.. In addition First Progress has reported different payment history to XXXX than XXXX. On XXXX credit report is shows " No Data Available ''. On XXXX there are codes and figures in payment history. Futhermore the IRS states " Cancelled Debt '' as " gross income '' ( see enclosed IRS publication on Cancelled Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: ID Analytics, Inc.
State: NY
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 XXXXXXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed two claims with my bank ( Bank of America ) one was for XXXX and the other was for XXXX I went on vacation and came back home and checked my online banking app to see XXXX cash and XXXX transactions that were not made by me I called the bank to resolve this and file a complaint they paid me my first refund of XXXX I believe and still to this day have not gave my XXXX refund back yet its been XXXX business days this is ridiculous I should have to worry about my money being stolen from my bank which is supposed to protect my money. I have kids and a car to pay of and rent to pay

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 2021-05-05
Company: Experian Information Solutions Inc.
State: CT
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:
When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XX/XX/XXXX I received XXXX 's credit card in the mail at my XXXX address, account ending # XXXX. I reported identity theft to XXXX 's - XXXX XXXX XXXX. XXXX 's processed claim to close card. I received letter dated XX/XX/XXXX to my previous address in XXXX XXXX, IL XXXX that I had applied for XXXX 's credit card - XXXX  XXXX XXXX Ref ending # XXXX. I contacted XX/XX/XXXX to report identity theft. I received another letter dated XX/XX/XXXX to my previous XXXX XXXX address that I had applied for XXXX XXXX XXXX credit card -XXXX XXXX Ref # ending XXXX. I contacted XXXX XXXX on XX/XX/XXXX to report identity theft. XX/XX/XXXX Called XXXX XXXX to report identity theft on XXXX XXXX XXXX credit card inquire ref # ending XXXX. XX/XX/XXXX pulled credit report, submitted fraud alerts with all 3 credit agencies, submitted Police Report and Identity Theft Report to Federal Trade Commission. XX/XX/XXXX Submitted extended fraud alerts via mail request and mailed dispute requests to credit card companies and credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I enrolled in XXXX XXXX XXXX, CA campus in XXXX and during enrollment I was paying a private loan from a lender named Genesis Lending Services XXXX I completely paid them off years ago in XXXX. I am now aware that there has been a lawsuit, and I want to receive a reimbursement of some sort. I never worked in the field after completing classes. I am overwhelmed of all the fraud they have caused. I tried reaching them now, and I can not find any information. I threw all my old receipts away unfortunately, yet I recall struggling at the time to pay them off, I am more mature now and as I am learning to take care of my finances, the past has haunted me, and I wish to collect something for there fraud.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: NV
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 began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both XXXX XXXX and Experian of this- several times in fact. Despite providing FTC Identity Theft Affividavits in addition to police reports ( yes, plural ), XXXX XXXX has not stopped reporting the address to Experian. Experian, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to Experian by XXXX XXXX XXXX XXXX and Experian continues to list the address on my credit file.

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 2017-09-05
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017 when i checked my email and logged onto my account with navient student loans it showed that i was behind at least one month. When i checked the payment history i was current with all monthly payments. Yet, i received an email saying i am behind on my payments and will be charged double. Also, my monthly payments increased from {$350.00} per month to {$530.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: U.S. BANCORP
State: CA
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:
us bank is reporting inaccurate information on my credit reports. they need to take the responsibility and remove the late / delinquency from my credits since it was their error and must come off.

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 2017-06-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was an independent contractor for this company. I discontinued my relationship because they didn't offer what was advertised and demonstrated misleading, and in my opinion, unsound contractual/managerial tactics. In addition, the marketing platform they provided via XXXX Search misinterpreted my services and was suggestive in nature. I sent an e-mail to their marketing department to remove my name from XXXX XXXX, but it was not completely done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted the mortgage company because I noticed there was no payment made on my property taxes. The company followed up and stated for me to send them my bill and they would take care of it. I followed up on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX will no resolve in my property tax payment. Then, onXX/XX/XXXX, the company transferred my loan to a different service provider. Not paying off the property taxes and the late fees that have been incurred. The service provider is Shellpointe Mortgage Servicing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
Late open : XXXX  XXXX XXXX Balance : {$140.00} XXXX ; XXXX Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} Late close : XXXX XXXX XXXX Balance : {$0.00} XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
While out of state for graduate school, I experienced financial hardship due to the pandemic. Therefore, I entered into forbearance beginning XX/XX/XXXX. During the active forbearance period, Quicken Loans sent a company to my home to " secure '' it around XX/XX/XXXX. During this securement process, the company damaged my property. Now, Quicken Loans has made me financially responsible for almost {$3000.00} in fees related to the securement and takes no culpability for sending a company to my home that damaged my property. Additionally, they provided no explanation or receipts for how the fees were attained nor did they try to mitigate the financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CURO Intermediate Holdings
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:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citi has failed to honor the terms and conditions of a deposit account marketing offer they sent me via email. I accepted the offer and completed the required activities, including depositing {$15000.00} in a new account ending in XXXX on XXXX XXXX, 2021, and leaving it in the account for the last 6.5 months. 

In addition, Citi has failed to update my Social Security number ( to rectify their mistake ) even though I've sent the proper documentation. 

I have reached out to Citi and received conflicting information on numerous occasions as well as complete lack of followup and/or caring. 

I consider Citi 's actions to be bait and switch and subject to UDAAP regulations. They are effectively holding my funds hostage and not paying the marketing offer amount ( {$400.00} ) nor any interest. Please assist. 

Thank you, 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 2021-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had been getting fradulant charges from " XXXX XXXX '' for small amounts. {$4.00} here, {$9.00} there, {$0.00} here, for months and months. These charges were not actually from XXXX ( which is why I let them slide for so long ). I do actually have several recurring charges so that's why they went unoticed. It wasn't until I got like XXXX charges from XXXX XXXX  XXXX each charge that i began questisoning and called the number on my statement. I even got texts from wells fargo stating, is this a verified charge? several times and i said it was not. so wells fargo knew and never blocked these charges. anyway over time i have gotten charged over {$500.00} and they have the nerve to mail me saying they completed an investigation, and that these were fradulant charges, but they can only reimburse within 60 days of when the fradualant activity began. which is only {$53.00} out of over {$500.00}. they are saying i notified them on XXXX but i had notified them when i noticed the charges. also, i called and asked if i had to cancel and get a new card. the lady told me no, all i have to do is have her block " XXXX '' and they wont be able to charge my card. the NEXT day, i had over {$200.00} worth of charges. Wells Fargo is already in trouble for scamming people and being fraduaulant and as soon as this complaint goes through I'm moving to a new bank. They said there is nothing they can do and to consider my case closed. Please help me get my money back. 

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 non-monetary relief
Consumer complaint received 2022-09-07
Company: GLOBAL PAYMENTS DIRECT INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022, I received mails forwarded from my old address XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX to my current address XXXXXXXX XXXX XXXX, XXXX, CA XXXX from Global Payment Checks Services attempting to collect a debt of {$500.00} made on XX/XX/2022 and another {$500.00} on XX/XX/2022 at XXXX XXXX XXXX in XXXX, CA due to both linked to my " frozen account '' ending in XXXX. 

I was recently a victim of identity theft- for which I have already filed two separate CFPB complaints against XXXX XXXX XXXX XXXX for the XXXX  account # XXXX ( CFPB ID XXXX ) and the XXXX account # XXXX ( CFPB ID ID XXXX ). I also filed police reports on both of these incidents. 

In both of these incidents, XXXX has responded confirming that the impersonator was indeed allowed to make withdrawals from my accounts using my stolen driver 's license ( that still has a valid date ). XXXX has refunded my funds for both instances. 

I have attempted to called Global Payments Check Services multiple times explaining that I am a victim of identity theft and these transactions were made on my account ending in XXXX, which I froze myself to prevent further unauthorized withdrawals/transactions. However, Global Payments Check Services did not seem to believe me. On XX/XX/2022, I have submitted to them my declaration of fraud and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
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:
After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MORTGAGE XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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: Account status incorrect

Complaint:
On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   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 2019-12-02
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Navy Federal Credit Union began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX . XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both Navy Federal and XXXX  of this- several times in fact. Despite providing FTC  Identity Theft Affividavits in addition to police reports ( yes, plural ), Navy Federal has not stopped reporting the address to XXXX. XXXX, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to XXXX  by Navy Federal Credit Union and XXXX continues to list the address on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation