BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit 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:
XX/XX/XXXX  : Made online payment for items from XXXX XXXX ( camping accessories for a trip I was planning ) XX/XX/XXXX  : Items show as delivered from XXXX XXXX. There is an link to click for proof of delivery, but nothing populates when link is clicked on. 

XX/XX/XXXX  : Reached out to XXXX XXXX about order not arriving. They told me to contact the shipping company who then told me I needed to contact XXXX XXXX. I filed a claim later that day with Wells Fargo for {$520.00} ( total amount of order ) XX/XX/XXXX  : Wells Fargo denied my claim. Did not update with reason why.

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 2023-10-11
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My original loan was for XXXX XXXX. Im now in collections for Past Due Amount {$14000.00}. I have asked for interest and late fees to be dismissed as well as making a settlement offer. The company is unwilling to help with these requests. My loan amount keeps getting higher and Im unable to catch up. I cant make this loan payment. Its affecting my credit and ability to move in any payment resolution. Theyre sending me to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM EXPERIAN, 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 2019-04-03
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " Rewards XXXX Visa XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a rewards visa. I then received a letter from Commonwealth Financial Systems on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello i was contacted by this company a few months ago claiming that we owed XXXX XXXX money I informed them that we had insurance and give them the insurance info today XX/XX/20 they contacted me saying that insurance denied because it was too late to claim I asked the gentleman why didn't XXXX claim on time he said he didn't have anything to do with that and that he was a collection agency I then told him that while we don't owe this I am willing to pay them XXXX to close this matter he refused although I told him that's all I have and I asked for verification of the debt to be mailed to me and allow me my due process we don't owe this debt and completely deny it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially applied to Loan Depot mtg refi application online. I was contacted via email by XXXX XXXX XXXX on XX/XX/XXXX. She is the most XXXX  double talker. I asked no to pull my credit ( again ) as I already applied online. She said she couldn't ; t quote a rate without my social security number, but I had done it through the portal securely. I advised her that I can get a rate but refused to disclose my PII to her directly. Then I advised her I was not interested in doing business with her or Loan Depot. This is not my first mortgage experience. Several days later, she called again and was ready to process my loan. Again no rate was provided, and she claimed she was on vacation when SHE contacted me and that there was possibly a miscommunication. I refused to get sucked into her XXXX and had already sent Loan Depot and told her that I am no longer interested in proceeding with her or her company and sent a follow-up email to cancel the loan application and delete my application on XX/XX/XXXX. Again she processed my application and kept emailing me to process the loan. Again violating my rights and trying to pull a loan on my behalf without authorization, I researched this character. This was on the Internet ( XXXX  : XXXX ) - I pulled my loan application and spoke to her, but she continued to process the loan. How can she be a mortgage lender with 2 bankruptcies?! She's had more names than XXXX! 

According to the latest records, XXXX XXXX is XXXX years old and was born in XX/XX/XXXX. XXXX XXXXXXXX  phone numbers include ( XXXX XXXX XXXX, ( XXXX ) XXXX. 
XXXX has had 24 addresses and 2 bankruptcies, and XXXX knows how many last names. 
After performing an extensive deep review of XXXX XXXX XXXX records, I discovered that this individual also has 2 bankruptcies, 7 business ownership records, 7 vehicle registrations, 1 job records. To see all of the information, including property records, possible liens, judgments, court records, and much more, click here to unlock the full background report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a construction loan on XXXX by Citizens Bank, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX... then Citizens Bank denied that loan without any explanation. My financial/personal information was disclosed to a private citizen ( who I do not even know ) without my knowledge, consent, permission. Both of these situations were facilitated by XXXX XXXX of Citizens Bank. 

Please see CFPB Case # XXXX... XXXX XXXX, Office of the Chairman, Citizens Bank wrote me an " empty '' 2 page letter and never addressed/resolved my above concerns. She has refused to take my telephone calls even after she supplied her phone number for additional assistance/clarification. 

I want my complaints resolved! I need CFPB 's assistance in this matter. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Media Collections, Inc
State: OR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Explained this was fraud and not my debt. The original person hung up on me. Called back and got a second person. They explained XXXX was the original debtor. I told them it was fraud. They asked I send a copy of the police report to XXXX I did that and the agent then hung up after telling me that I'm angry and they are trying to help. I informed them to let the original creditor know it was fraud and I would pursue further legal representation if account was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-09-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have XXXX XXXX to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2019-04-03
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
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:
On XX/XX/2019 I paid out what I was told was my balance on my 1st Bank of Omaha, {$8800.00}. My payments aren't due until the XXXX of each month. therefore I was " way ahead '' of payment due date. 3 days later I email the company on their web page asking the account be closed permanently. 1st Bank Omaha responded email on XX/XX/2019 informing me the account was closed. Come XX/XX/2019 I get an email from 1st Omaha informing me my account has a {$25.00} balance I am responsible for? I immediately call them. I spoke to the 1st rep who immediately informs me the bank " Does Not '' provide payout amount telephonically to customers, after I try to tell her my account is closed. I ask for a supervisor, who comes on line only to inform me that the {$25.00} balance is interest accured from the XX/XX/2019 to the date of when " THEY '' produced their next statement of XX/XX/2019. I explain on how I tried to get a pay-out from a rep before XX/XX/2019 to no avail, but she had told me the amount on line was amount due. I don't understand how I accrue interest on a closed account ( XX/XX/19 ) with XXXX balance? 1st Bank 's supervisor, simply tells me that if I want my account to dissapear, basically I just need to pay the amount. There was much more spoke, not enough room on page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Bitstamp USA, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an open account with Bitstamp.net and went thru their verification process in XXXX and was approved-I performed several transactions in XXXX but on XXXX XXXX, i tried to deposit more funds and the website said deposits are not available. I contacted them several times to no avail. When i tried to withdraw funds, I received the same message. For over a week, I have been calling and sending emails daily to no avail. As they have a corp address in NY, i filed a complaint with the Dept of Banking in NY and today was referred to this site

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 2021-01-11
Company: Experian Information Solutions Inc.
State: WA
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 have my pin from when I froze my Experian credit 3.5 years ago. 

I attempted to lift the credit freeze online, using their form, with my pin. The website stated they could not lift the freeze and requested I call them. 

I called Experian at their provided number XXXX XXXX XXXX, went through all the automated prompts, included entering my SSN and pin. It got all the way to the end, asked the dates I wanted the report lifted, and then stated I would have to mail in my documents to have the freeze temporarily lifted. 

I have lived at the same address for 8 years, and have no other complicating factors in my history that would cause this to be an issue. 

In doing research this appears to be commonplace with Experian. Many others have had similar situations. Apparently, if you sign up for their XXXXmonth " tracking '' service, you magically can unfreeze your credit no problem This seems unethical and downright fraudulent. You are apparently screwed if you don't freeze your credit, since these bureaus seem to be perpetually under cyber attack and risk of identity theft, and also screwed if you do freeze your credit, as it is irreversible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for over {$57000.00} into my Chase checking account ( via their ATM ) on Monday afternoon XX/XX/23. It initially showed as the correct amount, {$500.00} was cleared while the rest was scheduled to clear in coming days. The next morning ( XX/XX/23 ) my online checking said that there had been a deposit error and the money was removed from my account. I went into the branch where they supplied me with a photo of the check and said that they could see it was a proper check and that I had endorsed it correctly, but that they had no idea why it hadn't been accepted. I asked for the check back and they said they couldn't give it to me or tell me why it had been rejected. I went home and called the issuer ( An insurance company called XXXX  ) and they said that it was negotiable and that they would be happy to verify that with Chase. I told someone at my branch, who DID verify its negotiability with Principal, but said it was " too late now ''. I was told at first that I would get the check back, but yesterday I was told I would not get the check back. I reached out to Principal who said that they can't cancel the check and send a new one until after XX/XX/XXXX, and I just got off the phone with the escalation department at Chase who still has no answer for me why the check was considered non-negotiable. I find it outrageous that through no fault of my own I won't have my money for WEEKS and that Chase doesn't have to explain why they chose not to accept it. For what it's worth. my sister also received a check in almost the same amount from Principal and a different Chase bank accepted the check and the money, etc. without a hiccup

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-01-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 usc 1681i ( 5 ) i waited 30 days and received my investigation and notice everything was still the same. 
the consumer reporting agencies which is equifix, XXXX XXXX XXXXXXXX did not modify or removed anything. the date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports.

which is violation.this is impacting me from moving forward to a new apartment for my family. 

I attach my previous credit report and my new credit report to show how XXXX, XXXX and equifix violated my Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have XXXX accounts with Comenity Bank ( Victoria Secret and XXXX  ) that I have paid off and closed. The XXXX accounts are still showing on my credit report. I have tried to call to speak with someone and I am either never able to get through or get any resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Lvnv Funding LLC XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX BE ADVISED, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but A request for " Validation '' made pursuant to the above-named TITLE and Section. I respectfully request your offices to provide me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices keep reporting invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX AND XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. You are in VIOLATION OF the Fair Credit Reporting Act, VIOLATION of the Fair Debt Collection Practices Act, and DEFAMATION OF CHARACTER ( per se ). These Accounts are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: General Collections & Recoveries, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XXXX XXXX my legally separated x-wife went to the dentist and was seen and was billed for the visit. During the Divorce hearing the judge ordered her to pay the Bill. She waited until after she was remarried and then paid the bill under her New Married name. Ever since XX/XX/XXXX I have been receiving collection letters and phone calls asking me to pay the debit, I have repeatedly told the collection agency this is Not my debit. On XX/XX/XXXX I received another collection letter stating that the due amount is {$970.00} and I currently live in the state of Florida. The debit initially was opened in Nebraska and this debit is not mine and too old to collect. I would like the harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX2020,. {$520.00}, I proceeded to call Experian to obtain info related to company " XXXX  XXXX. '' Experian referred me to XXXX  given phone number. I contact XXXX  and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to XXXX. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the Experian and XXXX both wanted the identity theft report but failed to supply since Covid 19 a email address. Experian offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number 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 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief