BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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:
Starting on XX/XX/XXXX, I received several small debits from ( XXXX XXXX ) and ( XXXX ). I do not have an XXXX Account. A phone number was listed next to the transaction : ( XXXX ) XXXX When you call that number, you can not speak to anyone and it directs you to the real XXXX billing. 
After doing a web search of this number, I saw that many others were scammed by this scheme going back to XXXX. 
Conclusion : Someone created a " Phony '' XXXX company and has somehow been able to find people 's debit cards. 
I use Citizens Bank. 
This is my 3rd debit card scam this year. I have other scams from fake XXXX account charges and XXXX XXXX. My banks have reimbursed me for these scams. We need a pro-active investigation into these scams. I had notified the XXXX XXXX fraud team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My 2 store credit cards ( Express, Victoria 's Secret ) through Comenity have been inaccessible for almost 1 solid week now. When you go to their websites, you are unable to log in to view ANYTHING or make a payment. Nothing, absolutely nothing. If you call, their recordings say they can't do anything/closed/unable to assist/etc.

I have balances on both cards. But I don't know WHAT those balances are and have no way to make payments. My due dates are XX/XX/XXXX. 

When you reach out to them on social media for assistance, they say they're in a scheduled maintenance period and sorry for the inconvenience. They did not notify ANYONE of this so-called scheduled maintenance. NO ONE. And when you ask when it will be back, they don't give you any info. If you ask if they will be waiving late fees, etc, they don't answer. I have seen others say Comenity has reported them to the credit bureau for overdue payments during this.

This is unacceptable, unprofessional, and WRONG. I have a beautiful credit score and history that is going to get violated because of this. I just want answers from them! I want to know when I will have access again! They're lying and hiding information. I am so stressed out! A WEEK!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I sent a letter of validation and the company has not responded. They claim they are collecting on behalf of the federal government but have not send me any documentation they are authorized to collect on this XXXX XXXX. The account number they provided is not the same as my XXXX XXXX. They recently sent me an " offer in compromise letter asking me to list all my bank accounts and financial assets. The " Consumer debtor financial '' document This document is very similar to XXXX Form 770 but it is not an official government. It is very misleading an implies that I am dealing with the US government but instead a private debt collector. I am not going to send sensitive financial information to a company that has not shown me they have any written authority over my account

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 2022-06-07
Company: EQUIFAX, INC.
State: FL
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

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 2022-11-30
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Immediately after noticing fraudulent charges on my cash card covered by FDIC and regulation e Laws, I reported my card lost or stolen and filed disputes with Square Inc. both were denied within XXXX day and I filed a XXXX claim for that too be denied too even with the clear evidence I provided from the merchant and police report. Also breaking FDIC banking laws I asked for documents and never were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a collection reporting through Comenity Bank which was unknown to me but I took care of it after seeing it on my credit file, a while later I applied for something and again there it was still saying I owed, I have disputed it, sent a letter in the mail to the company. To date I have received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13
Company: USCB Corporation
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CALLS DURING ODD HOURS, SEVERAL TIMES PER DAY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Transunion and XXXX refuse to remove missing or late payments on closed accounts in addition to not removing the information on a closed account they are unwilling to take off report information such as late payments on closed accounts written off accounts charged off accounts from creditors it is very unlikely that four things are occurring and being reported on my credit the account can not be past due charged off written off and late payments from 5 years ago.In accordance with the fair credit Reporting act XXXX Account 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 an 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. 
540In accordance with the fair credit Reporting act XXXX 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX XXXX in your letter dated XX/XX/XXXX you state " community loan servicing will stop stop accepting mortgage payments after XX/XX/XXXX " is that a false statement? 

XXXX XXXX Community Loan servicing makes money when they service these types of loans a couple of months after XXXX XXXX issuance of a check for {$2200.00} you abruptly transferred this mortgage to another servicer tell me the original date that you started preparation to transfer this mortgage on XX/XX/XXXX Additionally starting XXXX of XXXX you backed into approximately XXXX mortgage payments going back XXXX  months where did you get the {$840.00} to make those XXXX mortgage payments Show me the transaction history from XX/XX/XXXX through XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-09-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Unauthorized fraudulent accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-06-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I over drafted my account but made a deposit of to bring the account back to date the very next day. I made a deposits of {$1200.00} plus more from XXXX thru XXXX. In those deposits {$400.00} was taken in overdraft fees, and my account is still overdrawn because of this. I have contacted your bank multiple times asking to just reject transactions when I don't have the funds instead of letting them go through. I have gone through the process of taking overdraft protection off my account in you're still taking these fees. These fees are predatory, your institution knows that there's n funds in the account and is letting them go through to be able to charge these fees. It is absolutely ridiculous that during a recession, and covid times you're taking advantage of your consumers. From 2020 until today, this bank has charged me over {$900.00} in overdraft fees. If this is not rectified I plan on taking legal action.

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 2022-06-28
Company: Hilco Receivables LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a XXXX XXXXXXXX veteran who had dealings with USA Discounters. They went out of business and I found an article that there was a lawsuit which offer their military customers a debt forgiveness of their account. My wife and I started an account with them in XXXX  while I was XXXX in XXXX while on XXXX XXXX. 
For the past few years I have dealing with the law law firm XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX who threaten to put a lien against me and my wife unless I pay over {$20000.00} for what's owed on the USA Discounters account and legal fees. I need to know am I protected from under the lawsuit?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ON XX/XX/2022, I TRIED TO MAKE MY ONLINE CC PAYMENT TO XXXX CREDIT CARD WHICH IS SERVICED BY COMENITY BANK. BUT, I KEPT GETTING AN ERROR MESSAGE OF " We are currently undergoing a planned system update that has taken longer than expected. We are working to restore service as quickly as possible, and your account information will remain secure through this update. We apologize for any inconvenience caused by this disruption. '' SO I TRIED AGAIN ON XX/XX/2022, AND THE SYSTEM IS STILL DOWN. MY PAYMENT WILL BE LATE. I WANT TO MAKE SURE THIS DOES NOT AFFECT MY CREDIT SCORE, NOR SHOULD I BE CHARGED A LATE FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer report and I noticed that it XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX is reporting my experience with your company. The line of credit or experience that I have with these companies is characterized as utilization and is being reported on my consumer report. Your company is illegally reporting this experience ( utilization ) on my consumer report. Your company is in clear violation of the law. Pursuant to 15 U.S. Code 1681a - Definitions ; rules of construction : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states that transactions or experiences between the consumer ( ME ) and the person ( YOU ) making the report SHOULD NOT BE INCLUDED on my Consumer Report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) that is making the report. Congress clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not to be included on the consumer reports. You have violated the FCRA 15 U.S. Code 1681a 2A ( i ) by reporting this transaction or experience ( utilization ) on my credit reports which Congress clearly states IS NOT included on my Consumer Reports. You have 10 calendar days to delete all utilization of the above accounts from my consumer report. Failure to respond with deletion of the above utilization will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent non-compliance 3. Civil liability 4. Mental anguish 5. Violation of Fair Credit Reporting Act 15 U.S. Code 1681and 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have looked over all three of my credit reports and noticed I have a few Fruad accounts and inquiries on all three of my credit report reports.

Company response to consumer: Closed with non-monetary relief