BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-13
Company: STERLING JEWELERS, INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication. 

On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to. 
A name was given and then when I returned the call I was n't allowed to speak with that person. 
They refused to tell me how they got the family members number and why I was n't contacted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: I.C. System, Inc.
State: VA
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 filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

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 2023-03-27
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: AES/PHEAA
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:
My credit was pulled and Fed Loan Servicing reported 90 day late in XX/XX/XXXX and was reported on XX/XX/XXXX. This account was closed and transferred to a different company in XXXX. 
I called Fed Loans was told I had 11 90 day late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

My children was in college in XXXX and XXXX. I should have had in school deferment. 

My file was updated XX/XX/XXXX and I do not have account with Fed Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received letter from XXXX stating they have started investigating my compliant and if the companies doesn't responded within a timely 30 days manner the I would need to call the companies and arrange for the incorrect information to be removed. I told them that I never had XXXX XXXX  Account, nor do I have any credit cards in my name or in my possession. Soon after I reported the information with XXXX and read their response. I then received on XX/XX/ a Notice of data breach. Seems to me everytime I try to dispute or challenge my credit report data. I get letters such as notice of data breach or my identity has been stolen. Is this a tactic on the part of the credit bureau. I also requested a copy of my credit report from all XXXX bureaus and I only received XXXX. I personally called all three bureaus to resolved these inquiries and to remove any information that was not accurate. Any they had the nerve to want me to pay them to remove my information off the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've contacted Experian on several occasions to inform them they are reporting false personal information on my credit report and nothing has been resolved yet. The addresses they have reporting are company addresses that doesn't belong to me and causing my credit rating to go down and misleading to creditors. Here are the addresses ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also update my EMPLOYER : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is insane that I have to file this Complaint, but Wells Fargo 's complete and total disrespect for me, CFPB and the other entities that regulate WF makes this Complaint appropriate. I will not reiterate the underlying problem that was the subject of Complaint XXXX In short, in WF 's response to that Complaint, WF represented that it would pay me {$25.00} for its erroneous handling of escrow repayments. WF never made any payment to me. As a result, I filed Complaint XXXX, WF again responded it would pay me {$25.00}. WF has never made any payment. 
The {$25.00} is trivial. However, when looking back at the history of my Complaints, WF 's failure to pay shows its reckless or intentional conduct in setting up policies and procedures to delay payments owed to customers. Unless this conduct is investigated or WF faces meaningful consequences, WF will continue to treat its customers in this fashion. I request that WF be required to make the payment to me and that the proper entity investigate this conduct. 
I have never before filed a complaint about the conduct of a business.

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 2023-06-16
Company: EQUIFAX, 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. XXXX XXXX XXXX will be civilly liable under Title 15 U.S. Code 1692k if XXXX XXXX XXXX failed to abide by my cease & desist order. Me XXXX XXXX, A Natural Person & Consumer has had my rights violated by XXXX XXXX XXXX. 

My Demands : Audit trail credit application Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Remove inquiry from all credit reporting agencies Respectfully XXXX XXXX, XXXX Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Alpha Recovery Corp
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from Alpha Recovery Corp. Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the Alpha recovery Corp., on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
The credit card in question is one that I have not used in over ten years, but was recently charged by fraudulent spam accounts starting in XXXX of XXXX. Capital One did not send me bank statements that these charges were occurring ; therefore, I was unaware and could not dispute them earlier. I only found out that this was happening when Capital One started reporting my lack of payment to the credit reporting agencies. I received my first statement on XXXX XXXX ( after calling to inquire and demanding they send them ). 

On XXXX XXXX, when I made the aforementioned call, according to Capital One 's customer service representatives, they could see that these charges were made and were fraudulent. Evidently, there were other charges that were caught and denied ; unfortunately, there were other times they were not caught. 

On the same call, I was told there was nothing they could do to resolve the issue, that I would have to pay my {$320.00} bill in full. They also did not know what I could do to resolve the hits to my credit scores/reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Bread Financial Holdings, Inc.
State: NC
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:
On XX/XX/XXXX I paid my {$950.00} balance in full and on time as usual to XXXX XXXX Comenity Bank and it STILL has not been credited to my account. I never had a problem until then and have recently provided them evidence of successful payments as far back as XX/XX/XXXX utilizing XXXX XXXX online XXXX XXXX. I followed their dispute procedures providing adequate proof of payment and 90 days to the day of allowable length of time to resolve the dispute they claim they still can not locate my payment. 
I had a lengthy 3-way recorded phone conversation on XX/XX/XXXX with a Comenity customer service supervisor with a XXXX XXXX representative also in attendance. 
The Comenity supervisor indicated that the payment was likely lost when Comenity transferred over to their new system around XX/XX/XXXX which likely failed to recognize my old account number in use until then, but it did not return the funds to XXXX XXXX, they dissapeared. She also indicated that since that is the case, I should be credited for the payment, reimbursed for the late fee and any interest accrued since I continue to make minimum payments on the disputed amount to preserve my excellent credit. Despite acknowledging responsibility through her explanation, she inexplicably demanded that we call back and file yet another dispute, wait another 90 days and insisted my only proof of payment remained inadequate. I have provided all the evidence of payment available to me through their website and have mailed the same to their address in XXXX Ohio. Their is no check image since the payment was electronic indicating Paid. Additionally, several Comenity customer service representatives cited their system transfer or changeover issue as the reason for my lost payment back in the Fall when I initially tried to resolve this earlier before filing the failed dispute and encouraged me to give them several weeks to resolve their issues. I'm still waiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
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:
I filed a FTC report because I found fraudulant accounts on my credit report and nobody was helping 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 2023-06-16
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling me everyday, twice daily for about 6 months. I have told them to stop calling and have downloaded apps on my phone to block them but they continue to try. They call me once in the morning and once in the evening. The last attempt was around XXXX XXXX. on XX/XX/XXXX. They've called me XX/XX/XXXX, XXXX, XXXX, etc. They call me everyday and have been for 6 months. No voicemail and I have no idea why they are calling. I pay my bills and I don't have anything in collections.

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 2018-03-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. Equifax and XXXX  removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive XXXX calls A day from XXXX. I shut my card off and have canceled my accounts because I am currently not working and can not pay. I let them know this and told them as soon as I receive financial stability I would pay the bill. They continue to call. I asked them not to call me anymore that I would contact them as soon as I could make a payment. They continue to call. Aggressively at that. I just received a call and I let them know again please stop calling. They then refused and continued to ask me for info and payment. I asked several times for her to not call. She refused. I hung up on her and she proceeded to send me a text message. This is crazy! They were the ones who put me in debt in the first place by over drafting m account by {$7.00} dollars for identity protection then charged me {$30.00} for the over draft. Then proceeded to charge me after I was told several times it would be taken off. I now have. {$400.00} bill with them just in over draft charges that they initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC Systems has been attempting to collect on a debt that were settled with original creditor ( XXXX ). They have tried to collect on this settled/closed account and refuse to remove this settled/paid accounts from my credit 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 explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is in regards a hard inquiry currently listed on my credit report and file. The hard inquiry from XXXX on XX/XX/ is fraudulent and was not inquired by me. This inquiry is a result of identity theft, and needs to be removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination.

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 2018-12-05
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called XXXX customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/20 I requested verification of debt owed. I was sent one page which was unreadable and no information regarding how to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Bread Financial 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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX XXXX was last reported in XX/XX/2022 and was fully paid off in XX/XX/2022. Showing I still have a balance on the account and that Im using a percentage of that credit which is affecting the accurate score of my report.

Company response to consumer: Closed with non-monetary relief