BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Vance & Huffman, LLC. 

XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Vance & Huffman , LLC., is reporting the collection account referenced herein. I did not receive correspondence from Vance & Huffman, LLC., notifying me of the debt prior to it being report the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Vance & Huffman, LLC., cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This complaint is a follow up to complaint XXXX, which was closed without acceptable resolution. The reason for this complaint is to supply new information and proof to support my claim. 

I have a XXXX XXXX credit card that was issued by Comenity Bank. I have had this card for over 15 years.I used the card to make purchases at XXXX XXXX, and have not had a problem until this year. The problem I'm having is that my account is not being credited for returned merchandise. Here 's a list of the amounts and dates of the returns : {$14.00} returned XX/XX/XXXX ; {$17.00} returned XX/XX/XXXX ; {$9.00} returned XX/XX/XXXX ; {$24.00} returned XX/XX/XXXX ; {$27.00} Order was cancelled XX/XX/XXXX because item was not in stock - but I was charged for it anyway and no credit was ever given ; {$24.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$32.00} returned XX/XX/XXXX ; and two orders of {$26.00} each returned XX/XX/XXXX. 

I have attached 3 PDFs that will support the above. Included are screenshots from XXXX XXXX website that verify the items returned, amounts and dates they marked the merchandise as returned. Included are letters from Comenity Bank indicating over 7 times where they are investigating my claim. Comenity even admitted that they made an error and issued two refund checks. I cashed the first one for {$400.00}, only for my bank to inform me three days later that the check was returned unpaid. This resulted in overdraft charges being assessed by my bank. since I live on a fixed income, my husband had to give me money to pay the overdraft and fees. Comenity sent another check, but I did not cash it in fear that they would return it too - which they did some days later. 

Comenity also reported to the three credit reporting bureaus that I did not pay my account for three months - that is untrue because I paid the account in full when they billed me - even though I owed them nothing. I paid in good faith expecting them to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19 I was negotiating with a seller on XXXX to purchase tickets to a basketball game. They asked me to send money via XXXX to their account. I logged on my Wells Fargo app, input the sellers information, and sent {$250.00}, which was the agreed upon price. I let the seller know I sent it and then received no further communication, nor did the seller send the tickets to me. I called Wells Fargo, and finally got to their fraud department after half an hour on hold and multiple disconnections. Several bankers transferred me to other departments, etc, and I had to call multiple numbers in order to find someone that could help. It took an additional 20 minutes to file a complaint and I was given a reference number and a 10 business day waiting period.

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 2015-03-26
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My full name is XXXX XXXX XXXX Fifth Third has incorrectly reported my name to XXXX XXXX XXXX. My name in full above was not reported. Under Federal law, I demand the information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital Systems, Inc. 

XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Previous disputes of this collection has not resulted in validation of the debt referenced in this complaint nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
NATIONSTAR MORTGAGE HAS REPEATEDLY REFUSED AND CONTINUE TO REFUSE TO MODIFY MY LOAN DESPITE MY QUALIFIED ELIGIBILITY AND MY NUMEROUS REQUEST AND DOCUMENTS SUBMISSIONS. INSTEAD, THEY OPTED TO FORECLOSE ON MY HOME WITHOUT CAUSE, AND DUE PROCESS. I HAVE BEEN IN THIS MODIFICATION PROCESS WITH THEM SINCE XXXX XXXX, 2014. ALL DOCUMENTS HAVE BEEN TIMELY SUBMITTED. ****

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: NATIONSTAR MORTGAGE LLC
State: NE
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Last fall my social security account was compromised. Nation Star Mortgage keeps calling me telling me I have an account with them. Which I do not. My credit report is excellent ... no breaches have been detected. I hesitate to give them my last XXXX digits of my social security number to inquire about this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Global Equity Finance, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX signed online Closing Disclosure was good with it. On XX/XX/XXXX the notary came over at XXXX XXXX and had me sign papers. He was lining the paperwork up like three at a time for me to initial and sign. I never saw any figures or quotes. I assumed everything was as I signed online. Saw no figures and was shown none. The notary keep sawing it was the easiest signing he had and I didn't understand that until Friday night when I had time to sit down and go over things. I found that the Closing Disclosure that the notary brought left in my package was different from the one XXXX XXXX the Senior Manager Banker with Global Equity Finance had me sign online. Which I had a copy of in my computer. Copied it off and compared the two. The closing cost went up by {$1000.00} dollars. {$6500.00} to {$7500.00} The Cash at closing went down {$2500.00} from {$8600.00} to {$6100.00} and the Payoff to XXXX XXXX XXXX for mortgage loan went up {$1400.00}. along with other costs. I called XXXX XXXX Monday morning and told her everything that was wrong and I was going to sign the Notice of Right to Cancel. Which I had three business day to do per the paper work. She keep giving me excuses and telling me how it would be made up with what I would get back from XXXX XXXX. in escrow and what they would owe me and for me to wait till Wednesday. She keep telling me to wait till Wednesday. So Tuesday when I say what they had deposited into my bank account {$6100.00} vs new Closing Disclosure {$6100.00} I immediately signed the Notice to Cancel and sent it overnight delivery to Global Equity Fin. that day. I tried calling and XXXX XXXX all day Tuesday and she would not answer my calls or text messages I even emailed her. Wednesday the day she wanted me to wait till she called me that afternoon. Told me she did not say anything that she said and told me Monday was the third business day so I was to late.I thought Fri, Mon. Tuesday where the three business days. She said she didn't tell me the escrow stuff because she had no way of knowing that. Which she did. She had a copy of my XXXX XXXXXXXX XXXX XXXXXXXX. Then she said she would have her manager call me Thursday. Today. Which I waited and no one called. they are now ignoring me. Wednesday afternoon I did get a check from the title company to pay off my credit card. That was for {$11000.00} which was the only thing right per the XX/XX/XXXX Closing Disclosure. I just want Global Equity to do right by the first Closing disclosure that I signed online with XXXX XXXX. Can you help me. I feel I have been scammed and age discriminated against. I have not spent any of the money. I even told XXXX to take it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have contact all three bureaus and advised that I was victim of identity theft and accounts need to be removed that I didn't apply for or use. Requesting that the remaining accounts need to be blocked and removed. FTC Report # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my XXXXyr XXXX mortgage on XXXX/XXXX/2015. Nationstar charged me interest through the end of XXXX. Per the Federal Register Volume 79, No. 165, Page 50835 24, CFR Part 20 ( RIN XXXX ) : interest is only allowed to be charged through the date the mortgage is paid. I have made multiple phone calls without any progress on my overpayment. Natoinstar 's customer service has no accountability and are grossly negligent. I will never do business with this mortgage provider again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.

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 2020-07-27
Company: Experian Information Solutions Inc.
State: NJ
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX filed first complaint and dispute of misinformation on my report. My report hasn't been updated from two closed accounts that were settled. Also, misinformation is displayed on my account regarding a collector for a collection that was included in my XXXX Bankruptcy filing. 

The responses received only stated that the issues were still being investigated after 60 days has gone by.

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 2019-10-27
Company: EQUIFAX, INC.
State: MO
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 unable to assist anymore. I threw out all credit reports, email and passwords. 
It is just so overwhelming. No one cares that two bullies stole my identity and committed Identity Theft and Fraud. 
I am sitting in the floor. I literally own a small bag of clothing, my blanket, my two prepaid phones. This is what I own now. I am XXXX years old. I can not write anymore letters. I don't have anymore money for postage. Too much money spent on trying to help myself and the credit reporting companies just keep adding more. I submitted my identity theft and fraud report. No one wants to accept it. Because if they accept it they can not report it. My health has been put in a not so good way. I don't eat, unable to sleep, my family thinks I did all this stuff. But I did not. I have no friends, unable to attend church. I barely have a home. I have a floor to sit on. Why the government or police or someone did not help sooner is unconscionable. XXXX once again and again no more. My phone number had changed celebration. XXXX and a second number for back up XXXX. Nobody believes fraud. They just say you should pay your bills. I did and still do but my housing is coming under attack because my credit score is so low, won't have a home and with the cold coming on and no coat I won't last anyway. I do nothing but sit and cry and pray everyday. You should go help other people. I am just waiting your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX, I requested my free annual credit report at https : XXXX After completing the site 's form, requesting my free report from Equifax, and answering all of Equifax 's credit questions, the site said I could get my credit report. When I clicked a button to get the report, the next page said I couldn't get my report online and that I'd have to fill out a form, and additionally send my personal sensitive information by mail. The website read : Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: LA
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 tried to submit a dispute with XXXX online. I was unable their has been a problem with their site for the longest. I had to actually call in the dispute. When I did speak to a rep and submit the dispute via phone, the results were back within the week. They didnt even try to investigate this issue. I have had this same collection removed from my XXXX and Experian. This same collection was removed once before on my XXXX on XX/XX/2022. Im not sure why its back on there now and they will not remove it. I had tried three times now.

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 2020-08-07
Company: Experian Information Solutions Inc.
State: CA
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:
For many years I have never been able to obtain a decent credit ; since many companies when reviewing the credit through this platform my record for more than 10 years has always been very negative and therefore I have been denied credit ; I currently have and credit through my son ; which has made me an authorized person ; But that makes it difficult for me to want to buy or rent a housing unit, in other Credit Record companies ( XXXX ; XXXX and XXXX XXXX they have an updated record less Experian ; and they require me data that I consider of private use as a copy of my ID and Social Security card ( I ask WHY ) On many occasions I have received notifications and letters of Judicial Agreements in which Experian has been sentenced to pay many fines for violations of its servers, of which personal information has been stolen from many people ; And so I think that my information could be affected.-

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. I have inaccurate information reporting on my consumer 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 2023-01-15
Company: Foris DAX, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
In 2021 I became a crypto.com customer & opted for the XXXX XXXX XXXX They were supposed to keep spotify free for members after 1 year but renegged on the agreement. I am filing this complaint because of that reason. I was also reimbursed only two out of three times for this " membership ''

Company response to consumer: Closed with explanation