BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX card issued by Incomm/XXXX  will not allow activation without emailing to a generic unsecured email address copies of Driver 's License, SS Card, and utility bills. This is an unacceptable and completely insecure means of sending what is essentially all the necessary pieces of information to completely steal a person 's identity. Multiple calls to customer service have revealed that they have NO other option to protect their customer 's PII.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2020 trying to link my PNC bank account to XXXX XXXX and PNC wont allow it. So I cant pay my rent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2016, I was fired form my job as a XXXX XXXX XXXX at XXXX XXXX XXXX - XXXX, TX. My mangers asked me about my occasional XXXX. 

I was mot missing time from work and I also had approved XXXX with unlimited absences. I also had nearly 200 hours of PTO untouched. When I did not allow them to violate my HIPPA rights, I was told to update my medical status as soon as possible. My doctors arrange 5 referrals visit for me during the first week of XX/XX/XXXX When I presented this list to my management on XX/XX/2016, I was released without cause or explanation. 

My condition worsen. XXXX XXXX, XXXX XXXX, and positive XXXX XXXX screening is what I am facing today. Despite my issues, I have been actively seeking employment despite my physical appearance. 

XXXX was already under internal and external investigation for similar actions against employees. my medical coverage was terminated before I could make the badly needed appointments. To make matters worst, they continues to show me as employed with medical coverage in place. This action prevented me from purchasing affordable coverage as well as qualify for XXXX XXXX indigent coverage. I hired attorneys to help with this case and a second attorney to address my XXXX benefits. My condition worsen and I had emergency XXXX XXXX in XX/XX/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 2020-08-26
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : 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 2018-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Sometime on Wednesday XX/XX/XXXX, i lost my wallet, and had my debit card, ID and bank information inside. Later that day on XX/XX/XXXX and XXXX, unauthorized checks were deposited in my account in the amounts of {$4700.00} and {$5100.00} were deposited into my bank. On XX/XX/XXXX, 2 withdrawals of {$2500.00} were taking out my account and on Friday XX/XX/XXXX, another {$2500.00} was withdrawn, I was not notified until Friday XX/XX/XXXX about these transactions, I was on my XXXX XXXX for my XXXX program both Thursday and Friday XX/XX/XXXX, XXXX from XXXX both days. I filed a claim with Wells Fargo, and police report with my local police station and they launched an investigation, the bank credited me half of the money back, but the lead investigator accused me of somehow being involved in this and giving permission for these withdrawals that i did not authorized. My account also was supposed to be closed at the time, but was not and they are not returning my Direct deposit of {$400.00} and credited it towards my closed account. They also closed my credit card account with them and the available balance i had was credited to this outstanding balanced and told to re apply for another card, when my credit card was not compromised and i still have possession of it. I feel the matter was not handled properly, im pretty sure footage shows that i am not the one at the bank making these withdrawals, and the teller did not follow protocol as to getting identification, or manager involved because those are huge amounts, and i get asked for Identification at my branch for a couple hundred dollars, so all in all i am being forced to pay XXXX to a closed account due to the banks error on catching these huge amount transactions, and feel the case was not handled correctly by the investigator as to accusing me of being involved with this matter

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 2018-11-05
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
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:
Paid by phone as I have for 20 years received confirmation then notice by mail payment rejected same bank 20 years. Call customer service big joke no answer late charges hike interest rate. Really? Are there laws protecting consumers? This is fraud!

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 2018-11-05
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:
XXXX shows late 30 days. company and documents state never late. bureau shows verified. XXXX states they were never notified of dispute from bureau. 
2.XXXX XXXX , XXXX XXXX XXXX . I requested verification on both accounts due to I have XXXX sons named after myself and they do in fact have these cards. Both cant provide me with any documentation with my signatures on anything. 
3.Bk was disputed and deleted in XX/XX/XXXX but since above disputes bureau has reinstated on my report without any notice. 
bureau is using third party info for verification and not contacting the companies as required by law. 
Two other account were also not verified. 
All requests were not notarized and sent certified mail. 


NONE OF THE ACCOUNT SHOWN ON MY DEMANDS FOR VERIFICATIONS AND CORRECTION WERE CONTACTED BY EXPERIAN.

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 2018-09-14
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX calls my family members repeatedly including my adult children. They call my phone number seven times a day while I am at work. I've emailed and explained that my husband had back XXXX then XXXX XXXX and is unable to work. I've explained that our income has been cut more than half and that as soon as we can pay something we will pay something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: EQUIFAX, INC.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Lewis, McDonnell & Associates
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX, XXXX and associates to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case. 

XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a XXXX XXXX Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me. 



I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter XXXX XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file. 

Thank you XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that XXXX XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.

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 2017-06-15
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
X/XX/2017 XXXX XXXX XXXX placed a credit of {$950.00} into my BBVA Compass checking account ( which I requested to be closed 3 or more times prior to this incident ) .The same day they tried to withdraw their funds back, but the bank refused because my account was in a negative state, I then accrued a credit reversal fee. I assumed XXXX received their money back. On X/XX/2017 XXXX received a refusal letter. I received an email from the HR Department at XXXX X/X/2017 stating that I had to start a repayment plan with them due to the bank refusing to give them the funds back, I became very irate at that time because I 'm a single mother of XXXX ( XXXX ) and ca n't afford the garnishment. I spoke to everyone at BBVA from customer support to the dispute specialist and authorized them to speak with XXXX XXXX ( HR Supervisor at XXXX ). I went back and forth with them and ALL of them refused to release the funds back to XXXX, it even got to the point where I used profane language and a rep laughed at me then hung up after leaving me on hold for over 5 minutes. I received an email from XXXX, stating they are still refusing to speak with her and she really needed to start the deductions from my pay check. On X/XX/17 I was terminated from my job with this situation as a key contribution to the decision they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: JH Portfolio Debt Equities, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and TransUnion were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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 do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is scheduled for Foreclosure Sale XXXX XXXX. I have been paying since XXXX. As of XXXX I had paid XXXX on a loan that was XXXX. My loan was transferred several times and incorrect information about how much I owe has been and Issue. Ocwen is saying still owe XXXX. I have asked for proof but they will not provide it. The loan is under the XXXX and it is not correct. They also send different amounts on the statement. I am in XXXX XXXX and XXXX XXXX. Once I reported Ocwen for Harrassing Calls they scheduled the Sale. Their is no documentation in the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
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: Account status incorrect

Complaint:
I have disputed the late payment status reported on the account XXXX XXXX  XXXX XXXX with Experian and XXXX for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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