BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX XXXX XXXX and work very limited, part-time hours as a XXXX XXXX XXXX XXXX. During the 14 months I had my XXXX XXXX XXXX credit card, I made purchases totaling {$360.00} and made payments from part-time jobs totaling {$420.00}. I had a balance of {$240.00} ... ALL of which were late fees and interest from when I was XXXX  in XX/XX/XXXX and in and out of the hospital/unable to work through XX/XX/XXXX. I was not even able to communicate much of this time as I was on XXXX XXXX medication and endured 5 XXXX. I was diagnosed with XXXX  XXXX, more commonly known as XXXX-XXXX XXXX. I am very lucky to be alive, but dealing with many issues as I had to withdraw from XXXX XXXX University and move home to my parents ' house. I was not receiving any of my mail at all as I was not even coherent enough to change my address with the US Post Office. I have called XXXX several times and some of the late fees were removed from my account and I was given a fax number for XXXX XXXX XXXX customer service to explain my situation. I have tried numerous times to fax them all of my documentation of my XXXX, but their fax number does not seem to be working correctly. I can fax anywhere else with no trouble, but these will not go through. To avoid further fees and interest, I paid the balance of {$240.00} on XXXX XXXX. I feel that this should be refunded to me as it is all interest and late charges from a time period in which I was clearly unable to work, communicate with XXXX or pay. I have had to get a loan to pay some of my debts from my XXXX and these fees and interest are adding to the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX?, XXXX my VA loan was processing with myself and partner. Loan adviser noted that partner had a collection. We knew about it, have been disputing it for years ... hosp bill. I contacted the collection agency to try and take care of bill. I offered half of what the bill was..being nice knowing that we weren't responsible for it. The man said no, hung up. A couple weeks later we decided to continue the loan process anyways, wouldn't affect it. A day before the inspection/appraisal, after months of getting our loan together, the bill was on my credit report. I called them very angry and they said they have proof of a marriage lic for me and partner. We are NOT married. I lost my loan. I sent them a letter stating remove it or else. It's still there and I can't move forward with a new house until its removed. I have nothing to do with this bill. I have contacted a lawyer. This company is fraud ... XXXX XXXX was the contact at the business.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: MN
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:
There's a comment on my XXXX account with Experian that should not be on my account. It states : " Account was in dispute-now resolved-reported by subscriber Account previously in dispute - now resolved, reported by data furnisher ( To be used for FCRA or FCBA disputes ) ''. This account was never disputed by consumer. I don't understand why this comment is on my credit file and XXXX account. I've reached out to XXXX, and they stated they did not authorize this comment. Nor did me the consumer authorize this comment to be on my credit 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : TU : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law

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 2017-07-03
Company: WELLS FARGO & COMPANY
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   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 2019-11-19
Company: SYNCHRONY FINANCIAL
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2021-12-06
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is annoying because my I would not have been able to obtain credit if my score was low and now because I have several cards open I am being penalized although they all are paid on time. This is ridiculous my score have dropped from XXXX to XXXX. This makes no sense at all. I want my score fixed at there earliest convenience. Thank you so much. I feel this is more that just unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions 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:
I'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must 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 2021-02-16
Company: Optima Recovery Services LLC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Optima reported a mark on my credit file for a bill that was paid directly to the original creditor prior to a mark on my credit. This mark should be removed. 

I had an invoice that was originally with Tennessee XXXX Clinics in the amount of {$990.00}. The only people I have ever paid or given money to for the bill was Tennessee XXXX Clinic. When I paid the bill, there was no mark or mention on my credit file regarding a collection. I had not been contacted by mail or by phone by Optima. After the invoice was paid, the next month I received a mark on my credit from Optima for the collection. It shows open and closed at the same time, for the month of XX/XX/XXXX. They reported it as a paid collection. I have attempted to resolve this with them multiple times. I have shown proof that the invoice was paid to Tennessee XXXX  directly ( which Tennessee XXXX said they would verify ). They agree that no funds were paid to them for my account. However they refuse to remove the credit mark on my credit. The only answer I receive is that they will show it as paid. The issue is Optima was never my servicing provider for a collection. All transactions were completed with Tennessee XXXX prior to a collection with Optima. 

I filed an official complaint with the XXXX  after they would not reply to my requests for correction. The XXXX was not able to get them to reply either. ( see below for XXXX file, case # XXXX ) I would like to have the mark removed from all three of my credit files. The account needs to be removed in its entirety with out any penalty. 

Complaint filed against : Business Info NAME : Optima Recovery Systems ACCREDITED BUSINESS : NO CONTACT : Mr. XXXX XXXX ADDRESS : XXXX, PHONE : XXXX XXXX FAX : -- None -- Website : XXXX Complaint status : Activity Date Activity Description XX/XX/XXXX Case Closed - UNANSWERED XX/XX/XXXX Inform Business - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer No Response from Business XX/XX/XXXX No Response Received from Business on 2nd Notice XX/XX/XXXX Second Notice to Business XX/XX/XXXX No Response to First Notice to Business XX/XX/XXXX Inform Business of Complaint XX/XX/XXXX Send Acknowledgement to Consumer XX/XX/XXXX Complaint Validated by XXXX Operator XX/XX/XXXX Complaint Received by 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 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : TRANSUNION - XXXX XX/XX/2020 - XXXX XXXX XX/XX/2020 - XXXX XXXXXX/XX/2020 Complaints were filed with the credit reporting agencies along with Identity Theft Reports and other relevant documentation, but the information remains on my credit report ( s ).

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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 4 accounts showing on my Transunion credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are Fraudulent accounts. Second, Transunion is reporting one of the 4 Fraudulent accounts as Open when it has been Charged Off. Per the information from XXXX, the 4 accounts were charged off XXXX. Third, Transunion is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. Each creditor signs a contract with Transunion where the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Transunion are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Transunion is allowing this violation of the FCRA an FTC to happen. This is  Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Transunion has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.

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 2019-11-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/XXXX, I made a purchase from XXXX in the amount of {$280.00}. There is a 30-day money-back guarantee on the purchase. 

On XX/XX/XXXX, the glasses were returned to XXXX via priority mail flat rate box. 

On XX/XX/XXXX, the package was delivered to XXXX, and signed for by XXXX XXXX at XXXX. 

The glasses were returned, and XXXX did not refund my money. I opened a dispute with Citicards. On Saturday, XX/XX/XXXX, Citicards advised me that the dispute was resolved in the merchant 's favor, and the credit they previously issued me was being reversed. Citi did not tell me why. I have since called Citicards 3 times, emailed them proof of the return, and faxed proof of the return - they not only refuse to help me, but every single time I call them, they advise me that they can not speak to me because of some fraud warning on my account. I then get transferred to the fraud department who advised me that there is no fraud warning on my account! This has happened multiple times, and because of this fraud warning that doesn't exist, they will not reopen the dispute.

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 2017-09-26
Company: Performant Financial Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I became aware that several credit and checking accounts were opened in my name without my approval, consent or knowledge. From 2016 until present I have not applied for or opened any new checking or savings accounts whatsover with any bank. I bank with XXXX XXXX XXXX which I opened in person in New York. Every other bank account and inquiry on my ChexSystems and XXXX XXXX XXXX report is a result of fraud. I did not even live at the addresses that were given to ChexSystems or XXXX XXXX XXXX. I am attaching a copy of my photo ID, birth certificate and my current lease showing where I actually lived during this time of identity theft. The only account that is actually mine is with 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 2017-09-26
Company: Miller, Stark, Klein and Associates
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
These people call from many different numbers, but the one I get the most is XXXX. The message says " we have several complaints filed against you '' and that " your cooperation is required. '' -- - essentially meaning I have to pay what they are requesting and do what they demand. They do not say they are trying to collect a debt, but it seems to be what they are threatening. I have no outstanding debt, so this is a scam. They seem like they are trying to threaten old people into turning over money. Many sites talk about these same dishonest tactics. They just called me 2 hours ago and XXXX XXXX from this number. They may have tried to use other numbers but left no messages. 

I even blocked them but they continue to leave messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, I visited a XXXX and we were going to apply for credit but when she told me it was XXXX i declined anyways fast forward I have a inquiry on my account from Synchrony Bank and I attempted to remove it because it wasnt authorized. I decided not to submit.

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 2021-12-06
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021. I have disputed multiple times to XXXX that XXXX Public records that are bankruptcy didnt belong to me. Theyve informed me to contact XXXX XXXX the reporting agency to speak with them. XXXX XXXX investigated and removed the public records that theyre reported to XXXX XXXX They also sent documents with proof that credits were deleted. I provided the document received to XXXX and even sent a certified mail and they refused to update 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 explanation
Consumer complaint received 2021-07-18
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I C System at XXXX XXXX XXXX XXXX XXXX, MN. XXXX has been sending me collection notices in the amount of {$430.00}. The collection has been reported as past due. I do not know this company. i have never done business with this company. this company does not have a contact with my signature.

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