BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: Bread Financial Holdings, Inc.
State: TN
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 has been XXXX credit cards opened in my name that was not me dating back from 2014. They are all listed as charged off. I've disputed these accounts with the credit card companies, filled out affidavits for multiple companies. Ive also disputed these accounts with XXXX XXXX, XXXX, XXXX, and XXXX and need these to be removed from my credit report. There are credit cards opened for XXXX, Target who refused to acknowledge my dispute, XXXX, multiple from XXXX XXXX, XXXXXXXX XXXX Comenity BankXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and multiple from XXXX XXXX. Dating ranges from XXXX. All opened under my name, assuming by my ex wife without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Veros Credit, LLC
State: GA
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 want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ENCORE CAPITAL GROUP 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:
I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character.

Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805.

In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer.

Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent.

As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SECURITY FINANCE CORP
State: GA
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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Midland Credit Management has engaged in a series of retaliatory and derogatory measures ( Account in Dispute ) status updates with all three credit reporting bureaus in order to avoid regulatory compliance requirements. Moreover, there is no record of this debt on the Midland Credit Management website ; XXXX is the account and {$560.00} is the purported amount. In the spirit of fairness, and irrespective of how I have been treated, I am willing to negotiate a payment for deletion of this record, and the amount I believe is fair is 30 % of the original amount of {$560.00}, given that I am NOT admitting to ownership yet feel this is the only recourse I have to remove it since MCM will not remove it anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
Ive filed several disputes and complaints and asked the company to take it off my credit report my request have been and still to this day ignored

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 2023-07-20
Company: William D. Meeker Enterprises, 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: Information belongs to someone else

Complaint:
It is reported on my credit report a hard inquiry from CIC Credit in XXXX TN. I have never signed up or received any services from this company. I have only found out about this recently based on a review of my credit report. This inquiry is notated from XX/XX/2023. It looks like a mortgage was being applied for in my name and I have no recollection I applied for a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I set up forbearance with Navient and was approved through XX/XX/2022 through XX/XX/2022 and set up an interest only payment plan that I have been paying and never missed a payment. This brought my account current and put those months in good standing ( I have paperwork from Navient ). However, Navient reported the month of XXXX as missed and it dropped my credit score tremendously. I've reached out to Navient Credit Reporting department ( in which you can only respond via mail and their customer support department has no clue on the response ) and tried to handle directly with the company and they sent the letter saying they wont change. Next step was me writing this complaint. If this doesn't work I will go to small claims court and sue them for pain and suffering, taking advantage of DISADVANTAGED ( person of XXXX from low income area ) customer right after XXXX lifted the Student loan payment pause. The negative information has caused me to get higher interest rates on my credit card and drop my credit utilization with my lenders. Please note that Navient has updated the status and reported correctly with only XXXX. Navient hasn't reported correctly on XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Just about every single time I go to use my credit card my bank keeps flagging it and harassing me constantly and continually to verify hundreds upon hundreds of transactions. Example for today Wednesday XX/XX/XXXX I go to my work and pick up my check for XXXX and at about XXXX when submitting my check for mobile depot, received a message says the bank has up till XXXX to verify the check. Well at exactly XXXX received the following email from ( XXXX ) my Bank : Dear XXXX XXXX XXXX XXXX Item Reference # XXXX ( $ {$9000.00} ) has been deleted from Deposit Reference # XXXX for the following reason : We are unable to accept this check for deposit at this time. Please contact us for additional information at XXXX or XXXX. 

Then they LOGGED ME OUT OF MY ACCOUNT AND LOCKED IT. ( Both in the App and online banking portal ) I called and was on the phone over an hour while they said looks like our system flagged it because it got the coordinates wrong ( always an excuse ) going up the chain to the head manager who then said we will mark your account with a permanent XXXX so all departs will know your proper area you are in. Well here it is XXXX I go to wholes and bam another XXXX and now how to verify a whole big list of transactions. Now this cost me even more time and money because the store closed at XXXX and I could no longer go inside. 

This has been going on for the last 6 months and will take this complaint up as high and wide as have to go in order for this to stop even if have to take it to the treasury department or the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As of XX/XX/XXXX my accounts have been locked unable to close access any payment method for fifth third credit card or any withdrawals from savings account which holds {$1500.00}. I owe XXXX or nothing have paid off any loans always in good standing. Fifth third made a check available in my savings account before it cleared and then dispersed monies to me thinking that there were funds available. I then notified them that there were not that the check didn't clear. Brought the account in good standing that day. They still refuse to release my funds from my checking account it's been over 30 days now they're breaking federal laws and they're also refusing to let me close my savings account and credit card account. I have no access to anything with fifth third and they're holding {$1500.00} of funds for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Complete Credit Solutions, Inc.
State: PA
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:
Hello, I have been disputing this from my credit reports for years!! The XXXX  account was opened fraudulently. I have shared my FTC. report with this company numerous of times, stating that my identity was stolen and they will not delete it off my credit report. I also asked them for a wet signature with my name and all the could show me was a computer generated signature! This is hindering me from getting safe and stable housing. I have been disputing this for years, it has cost me jobs and find a home due to this matter. I have sent supporting documents to show that the account was open fraudulently. Im also in the process of 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 2023-07-20
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated calls since XXXX 2022, and they were occurring once a month. I spoke with the company in early XXXX, told them the debts they cited ( originating from " XXXX XXXX XXXX '' ) were not mine ( the debt had shown up out of the blue on my credit report twice, which I contested and had removed immediately ), explaining that I had insurance that would have covered or at least informed me of any outstanding balances at the time the charges would have taken place, as well as having no hospital visits occur in that time frame. I ultimately told them to provide written proof as they refused to accept that as an answer. 
I received a letter two weeks later with a post office stamp originating from Florida on the envelope ( the company states it's located in XXXX, Ga ). The letter had no formal letterhead, contained typos, and used language like, " We have tried to contact you numerous times to help you, why have you not reached back out to us? Why are you avoiding us? '' as well as the cited amount included being larger than what had been stated on the phone. 
I disregarded the letter and tossed it as it was blatantly fraudulent, and refused to interact further. 
Since then, the calls have increased to multiple times a month.

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 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Mortgage loan company pulled a hard credit check without our consent. Company being uncooperative. 
Date : XX/XX/2022 Company : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Once I was notified that I had an outstanding balance in the mail, I called the XXXX number given on the bill. I called numerous numbers and spoke with different people, from XX/XX/2023 till now. 
The only advice given to me was for me to release my personal information to them and to charge me additional money for reporting Fraud, and also to tell me how to pay for a bill on a card that I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: NEW YORK COMMUNITY BANCORP 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: Their investigation did not fix an error on your report

Complaint:
I've made several attempts to the consumer agency to have the issue resolved, XX/XX/XXXX was the last time i contacted the consumer agency regarding this matter. 
Flagstar Bank Payment reverse for XXXX Please reverse payments for XXXX for the months of 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 2023-07-27
Company: Resurgent Capital Services L.P.
State: NY
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 is inaccurate information on my consumer report, the collection by resurgent receivables been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Westcreek Financial
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:
XX/XX/2023 I got a {$600.00} loan from Koalifi West Creek Financial. With the loan about XXXX points were deducted from my XXXX credit score The loan was paid on time in good standing. I only received XXXX points back to my XXXX credit score after the Koalifi West Creek Financial loan account was paid/closed XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Resurgent Capital Services L.P.
State: UT
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:
XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's LVNV/Resurgent when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received an email saying there was a login attempt from my Chime account from XXXX XXXX. Problem is, I have no recollection of ever opening a chime account. Later received an email with a direct deposit form. I immediately called Chime and asked them about this account, but they wanted too many personal details for an account I did not open. I told them this account was opened fraudulently. Since I would not provide detailed info, they told me to email XXXX to continue the request. They then asked me for ID and social security and to upload to a non existent link. Again, I'm not going to provide information to a company I did not reach out to to open this account. Received another email telling me to contact them through the email associated with my account. I did, but I also don't have a Chime account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: OPORTUN FINANCIAL CORPORATION
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of. 

I have never done business with your company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I saw that there's a class action lawsuit for people who had checking accounts with Wells Fargo up til XXXX & i had an account in XXXX & wanted to see if I qualified for anything. I do remember the bank charging me fees of all sorts during that time

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 2023-07-21
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
RE : Synchrony XXXX ending in XXXX. This bank had my mailing address wrong on my account resulting in no statement received. Specifically they listing my unit number as # XXXX when it is actually # XXXX. On XX/XX/XXXX I was charged a late fee of XXXX and on XX/XX/XXXX I was charged interest of XXXX. On XXXX I phoned the bank and spoke to XXXX. XXXX assured me that the fees would be reversed. At that time I made a phone payment to bring my balance to XXXX. On my next statement NO fees were reversed and instead I was charged another late fee of XXXX and interest of 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 monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: VA
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:
I have some inquiries from unknown companies that show up on my credit report. Please remove these asap

Company response to consumer: Closed with explanation