BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing negative items with Equifax on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Equifax has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Equifax and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Equifax. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Equifax to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Equifax, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Equifax asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Equifax letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Equifax. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Comenity Bank is not helping me resolve this matter and when I was asked to call, I can't get through because I no longer have this card ( I cut it up after paying off ) and I am lost in a sea of automated voices. 

In XX/XX/2020 I paid this credit card in full and did not use it since. In XX/XX/2020 I was charged for some " club '' that I did not want or authorize and it was for a sister brand of this store card. The amount was {$19.00}. Shortly after that I was charged a {$19.00} late fee. Then I was charged the minimum finance charge of {$2.00}. Then the following month I was charged {$35.00} in late fees and another {$2.00} totaling {$77.00}. 

I did not receive any indication from Comentiy that I had any balance - that is until XXXX XXXX  emailed me to tell me I had an over 60 day non payment entry on my credit report. I logged into XXXX XXXX and could not find anything over due. About a week later an unidentified phone number who did not leave any message. I googled the number and found that it was XXXX. I then attempt to log into XXXX and found the above situation. To recap : Charged for some club I didn't join, was charged numerous fees and finance charges yet did not receive a SINGLE notification from Comentiy that I owed anything. When 5 months later they finally call me NO MESSAGE! I wasn't even offered the opportunity to pay or dispute this before they reported me to the credit bureaus and these charges are growing every day. 

I contacted them through email and was told to call them, I call them and can't get through to a human, emailed again and I'm back to the start. Can someone help me resolve this? I should have canceled these store cards once I paid them off but didn't want to hurt my credit score. Little did I know it would be ruined by them anyway. I pay my bills and had I known about this charge would have resolved it immediately not 4 months later. I feel strongly Commenity bank operates under unfair and deceptive business practices and this is certainly not the first time I have had billing/fee issues with Comenity. I have lots of credit cards and none of them let someone rack up charges without telling them then report them to the credit bureau. XXXX will call you if you are a week late on payment! 

Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: GA
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: Other problem getting your report or credit score

Complaint:
Each time I have logged into my Experian account, I am greeted with a message that I am enrolled in a program called ExperianWorks and I never recall enrolling in such a program. There was no option to disenroll from this program, it was as if it was forced upon me. I tried several times to disenroll myself from this program but wasnt ' able to. Now, Experian has charged me XXXX for enrollment in this program that wasn't by my own volition and is preventing me from accessing my credit report and credit account until I have paid this charge. I feel that this is outright extortion by Experian for I have never enrolled in this program by my own volition. I have only used this credit card which they have stored as a payment for a single purchase of a credit report and Experian took that card and automatically enrolled me in a program which I do not desire to be enrolled in. I have attached the image that I am greeted with when I attempt to login to Experian to obtain my credit report and credit file. I am not allowed to access my credit report because they require me to make this payment for enrolled in a program I do not desire to be in, and have prevented me from disenrolling. 'thanks.

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 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2020-02-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wakefield & Associates is servicing a medical debt collection claim originating from Medical-XXXX XXXX XXXX XXXX XXXX. The amount in question was {$310.00}, and was originally issued on XX/XX/XXXX. No invoice was received regarding this amount until XX/XX/XXXX, when it went to collections. 

The amount was paid on or about XX/XX/XXXX directly to Medical-XXXX XXXX XXXX XXXX XXXX - NOT the collections agency. 

The most recent date on my credit report is XX/XX/XXXX, with the account noted as " OK ''. As of XX/XX/XXXX, my credit report is still showing the medical debt status as " In Collections '' with Wakefield & Associates. Attempts to resolve and correct this have been unsuccessful. Wakefield & Associates refuses to acknowledge the debt as settled, and it has been this way for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

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 2018-01-11
Company: CITIBANK, N.A.
State: TX
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:
My husband and I have been XXXX customers for years, Citibank handles credit card services for XXXX. On our XX/XX/XXXX statement, Citibank closed my card XXXX due to fraudulent charges. They claimed that my card had fraud charges on it when I took a trip to XXXX to see my son. The charges were numerous ranging from {$89.00} to {$95.00}, although they credited our account we were left feeling skeptical. The fraud charges on our statement reflect that they happened during my trip to XXXX. 
So, to avoid further confusion on our account I started paying for my gas with cash. 
Shortly after, I started examining our statements closer and noticed duplicate charges on my husbands card XXXX. I immediately asked my husband if he thought they were correct since this was his card and he had not traveled to XXXX with me, he also added that the charges on his card must not be correct since he did n't frequent the store that often. As an example, some of the charges on his card XXXX were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, everyone of these charges were for {$39.00}. 
I immediately called Citibank to dispute these charges, they told me they would send dispute sheets but all we received were sheets for XX/XX/XXXX. 
I have been calling to request the forms since early XX/XX/XXXX, the latest forms they sent were statements of our account instead of dispute forms. And, every time I call they keep transferring me between the Dispute Department to the Security Department and keeping me on hold for a long period of time, plus dropping my calls.

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 2020-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had an one time 30 days late payment on XX/XX/2015 and been making on time payments since then. I have called the company many times for a goodwill adjustment on that one time late payment. The company refused to work with me on this matter and was very rude 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
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under

FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS -- 1. XXXX   CARD wi
th ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

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 2020-02-24
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: Was not notified of investigation status or results

Complaint:
I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ).  As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: NC
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:
Items I had nothing to do with are reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
A loan modification package was submitted to Dovenmuehle, Loss Mitigation department on XX/XX/2021. We fell behind on our mortgage due to XXXX XXXX XXXX. At that time, we were only 4 months behind on our mortgage. During the review, the servicer was constantly requesting the same documents 3 or 4 times. The modification review is still on going. Each time the servicer is called for a status update, we are being told " no new updates ''. We are now in XXXX and still no decision. We have spoken to representatives, team leads, supervisors and escalation supervisors. All to no avail. When this process started back in XX/XX/2021, our mortgage was {$5400.00} past due, we are now over {$18000.00}. We were ready to resume making our payments back in XXXX. This is Servicer neglect and abusive and should not be tolerated. I have attached every conversation along with names and ID numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I was hit randomly with 2 hard pulls from XXXX  XXXX On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. I am looking for someone to please help the situation.

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 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am no longer disputing XX/XX/XXXX and XX/XX/XXXX XXXX Account.

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 2022-10-05
Company: Block, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
After pay has violated my Federally Protected rights I under the FDCPA. After pay is collecting on an alleged debt that is not I am responsible nor obligated for pursuant to 15 U.S.C. 1692a-3

Company response to consumer: Closed with explanation