BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Due to the pandemic, I have temporarily stayed w/ friends outside XXXX area and wasn't able to collect any physical mail from my residence for the whole months of XXXX. This specific credit card had {$0.00} balance but due to an annual membership they charged me during one of these months, I was not aware of any balances, resulting in a late charge fees and interest rate charges. I paid the annual membership amount, and sent this credit card company an email to please waive the late payment fee, due to COVID -19 challenges, but they refuse to. No sure what else to do, if I can not afford to pay these late fees. See email history. How can i get them to help me during this hard times. 

From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. The late fee charged to your account is correct. We charge late fees when the full minimum payment is not received by the posted cut off time on your scheduled due date. We've already credited a one-time late fee to your account. On XX/XX/XXXX, your account was credited {$27.00} as a one-time courtesy. Your account is not eligible for another credit at this time. Here 's how to avoid late fees in the future. We suggest that you mail your full minimum payment to us at least seven calendar days before your due date to avoid a late fee. You can also pay by phone or online. As of today, your account balance is {$140.00}, and your minimum payment of {$38.00} is due on XX/XX/XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is a request for a a late payment waiver and its corresponding interests : Due to this annual membership, it automatically was placed on this card, but due to pandemic, I was temporarily out of my current residence ( XXXX XXXX XXXX ) and unable to receive my correspondence by mail. I am hoping you can waive the late payment and its interests incurred during the month of XX/XX/XXXX. Thank you for your consideration and understanding during this time of uncertainty. P.S Note that a payment for annual membership for the amount of {$110.00} has been submitted on today 's date thru XXXX account and should be reflected on your system by XX/XX/XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: ERC
State: CA
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:
Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. 
The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. 

I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Calling mutiple times a day, every single day, for the entirety of the day from dozens of numbers after I have repeatedly told them to stop. I can not even use my phone for legitimate purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: TN
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now  reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Their investigation did not fix an error on your report

Complaint:
Wording on status is incorrect. On report states foreclosure started 2017. This foreclosure has been completed and updated on all other bureau s but Experian have done 3 disputes no results. XXXX XXXX  is lender and reported correctly

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 2022-08-06
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The companies involved issued my wife credit cards a decade ago or simply created these debts illegally. It is so long ago I have no idea if the amounts are correct. These were never my debts. My wife has paid off these cards years ago but the company is question created fake debts several years ago and I suspect they bought equally fake debts from another dishonest company. In this case not only did they assign me debts that were paid off that were never mine but they illegally reset the starting date for the debt to be within the last couple of years which is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions Inc.
State: PA
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/2020 I requested verification of Bankruptcy from the Three Credit Reporting Agencies ( XXXXx, Experian and XXXX ). I did not receive an answer from any of the Three Agencies. 

XX/XX/2020, I requested and received confirmation from US Bankruptcy Court XXXX District of New York that they do not verify or report Bankruptcy filings to Credit Reporting Agencies. 

XX/XX/2020, I contacted XXXX XXXX for a Full File Disclosure. 
XX/XX/2020 XXXX XXXX provided verification regarding re investigation results and removed 3 bankruptcy cases from my XXXX XXXX Report. 

XX/XX/XXXX, sent Bankruptcy Court Letter, XXXX XXXX Report to Experian, XXXX and XXXX XXXX to remove the Bankruptcies from my Credit Report. 

XX/XX/2020 received a letter from XXXX stating that they verified Bankruptcies with the US Bankruptcy Court XXXX District of NY and with XXXX XXXX and did not remove the incorrect and inaccurate Public 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 explanation
Consumer complaint received 2020-08-30
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Thursday evening, XX/XX/XXXX around XXXX I used Western Union to send money to a person in XXXX XXXX Michigan because he needed the money immediately as a service that Western Union has been known for decades. 
I used the Western Union app ( online ) to make the transaction for convenience and because the fee was cheaper than driving to the various locations throughout my city. Western Union offers the opportunity for me to use my bank checking account only to send money and not my debit card as they do when you go into their locations in person. After I completed the transaction, I got an instant text with the conformation number to send to my receiver to alert him of the transaction number and to give him the green light that he could go to any Western Union location to receive the money. 
On Friday, XX/XX/XXXX, my receiving party went to a Western Union location to receive the money as was told that the money was not available. However, the money had cleared my checking account. On Saturday, XX/XX/XXXX, my receiving party went back to the Western Union location and was told again that the money was not available. 
This morning, Sunday, XX/XX/XXXX, my receiving party was told that the money still was not available, so at this point I am confused and upset. Therefore, I called Western Union again with my transaction number and ask why is the money not made available immediately to my receiving party and their response was that they HOLD the money for 6-7 business days not including the weekends to wait for a report from the bank?!!! Also, that it would take the same amount of time to refund the money back to my account. I then proceeded to explain that this was not explained on the website before I made the transaction as I would have traveled to a Western Union location to make the transaction so that my receiving party could receive the money immediately.

I have never known Western Union to hold money as they advertise that money is sent and received immediately and if their is a variation in this service in the 21st century by sending it online, then that needs to be explained beforehand because  traveling to the locations is the old way of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
Hi my name is XXXX. I'm contacting you guys because my husband already contacted you guys about his debit card being skimmed at the gas station and now I believe my card was skimmed at the same gas station. I have a XXXX dollar charge at a XXXX gas station and now I have a XXXX something dollar balance. My husband had a XXXX $ charge at a XXXX as well. I'm struggling with this pandemic as it is and now we both have to wait to get our money back. We want whoever is responsible for our money being stolen from us held accountable and our money returned 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 monetary relief
Consumer complaint received 2021-02-22
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
There is an XXXX XXXX on my XXXX credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company XXXX XXXX XXXX said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: MD
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:
A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.

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 2019-03-11
Company: EQUIFAX, INC.
State: MD
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:
A business loan taken out by an LLC is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Greetings, I called Penfed customer service to report unauthorized activities in my account and the first agent that took my dispute was very kind and assure me that I will be getting my money back. Then I receive an email from the security department that if I had authorized some transactions and I told them no. They saw the discrepancy with the account because they with withdraw {$300.00} and then refunded me and then charge me again for three different {$300.00} dollars transactions, {$500.00} and {$100.00} I spoke with the security department and they told me that they will transfer me to customer service after being on the phone with them for over one hour. 
The last agent I got then tried to treat me with an attitude, and they have not refunded my stolen money, and that is shameful because even one of the agents told me that it is weird.

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 2019-03-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied AMEX Blue Cash Everyday credit card at XXXX. By the advertisement, I will get {$200.00} after I spend {$1000.00} within 3 months of opening new account. But AMEX didn't give that to me after I satisfy the criteria. I tried to communicate with AMEX in XXXX and XXXX, and asked for investigation. But they still refuse to give that credit to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NJ
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:
Enclosed is a letter from XXXX dated XX/XX/XXXX providing direct evidence that I am no longer liable for the XXXX Account # XXXX on my current Equifax Credit File. This further supports proof that they continue to request immediate removal of this account from my Equifax Credit File. This is due to its extreme age and statute of limitations that require Equifax remove it by federal law. I also spoke with a Supervisor named XXXX located at the Nevada XXXX on XX/XX/XXXX at XXXX XXXX who also stated that Equifax would remove my XXXX Account effective XX/XX/XXXX due to the extenuating circumstances/mortgage and adherence to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I applied for Oregon homeowners stabilization initiative and submitted the application on XX/XX/XXXX with XXXX XXXX at open door nonprofit counseling. I have to submit a third-party agreement for both my first mortgage and this equity loan which I did. I even have an email from XXXX stating that he had filed the application. I received a letter dated XX/XX/XXXX from Wells Fargo NA That they were contacted by Oregon homeowners stabilization initiative they also stated they didnt get a third-party agreement. I received a letter from Wells Fargo dated XX/XX/XXXX stating they did get a third-party agreement in regard to my first mortgage. Funny they were sent the same day all the sudden the equity loan has disappeared that third-party agreement it appears. Thinking that they had gotten both third-party agreement and who wouldnt I went on with the process. I was contacted by XXXX XXXX on XX/XX/XXXX that I had been approved for this program also known as OHS I. We arrange for me to come out and signed the papers the following Thursday, XX/XX/XXXX. I brought a friend of mine with me who actually drove because I am XXXX and was extremely stressed over this whole process for the last two years. I signed the papers but when I got home I read them again. First of all it said I would have a week to review them that wasnt true I had 15min. After reading them I didnt recall seeing anything about the equity loan I am mediately sent an email to XXXX that same day. I then received an email back song and dance again similar to what I had received three months ago stating they werent sure if they were going to pay that one but I was told three months ago they would. Now Wells Fargo has continued with trying to foreclose upon my home with a second equity loan. I also received a copy of my XXXX original award letter going back to XX/XX/XXXX retro date XX/XX/XXXX. The importance of this award letter is that nobody believe me that I was XXXX and was abusing psychologically my mental ability and stressing me out even though I told them I couldnt endure stress I asked for an advocate I was ignored I have been psychologically abused for months by this company and their manipulation lack of acknowledgment of anybody belonging to the XXXX or XXXX XXXX  XXXX act. Now Im afraid once again Im going to lose my home even though I have made every attempt I could to get the papers Sent with my XXXX that no one even cares or at knowledges. I have sent email after email I have documented screenshots PDFs everything you can imagine please help me protect my home thank you

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 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX and XXXX and CAPITAL ONE were no successful resolution. XXXX XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Experian Information Solutions Inc.
State: AZ
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:
The following delinquent account listed on my Experian, XXXX   and XXXX XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX for {$360.00}. The account is fraudulent and dont belong to me.

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