BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to XXXX XXXX. Last year I had discovered XXXX XXXX had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. XXXX XXXX hired this debt collector, Weltman, Weinberg and Reis- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 XXXX accounts in XXXX and XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. WWR sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of Weltman, Weinburg and Reis Co., LPA on XX/XX/XXXX. Weltman, Weinburg and Reis are reporting this account however was opened in XX/XX/XXXX. Without letting us know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that WWR has double reported these debts and it should be deleted because the current creditor XXXX XXXX has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by XXXX XXXX. We are also working closely with our attorney on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
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: Was not notified of investigation status or results

Complaint:
I sent letters out certified over 90 days ago and still have not been notified of any information positive or negative. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a secured with Citibank about 3 weeks ago. It was denied due to bankruptcy. When I concacted the credit bureaus, they told me there is NO BANKRUPTCY!! ( I knew there wasn't ; but I called just to appease Citibank ). 
I contacted Citicards fraud department and they said there were 2 cards opened in XX/XX/1986 in my name. They told me they were going to remove them. I spoke with a XXXX, and he assured me it would be taken care of and he would return my call on Tuesday. Since I didn't hear from I've been on the phone with Citibank for HOURS for the past few days trying to get this resolved. Last night they told me it was resolved and today I could reapply for a secured card. Once again it was declined for the same reason! 
I want this fixed ASAP! 
I just spoke with XXXX in the Fraud Department and he told me to try again. I'M STILL BEING DECLINED AND THERE IS NO REASON FOR IT!!

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 2017-08-04
Company: Northwest Collectors Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I submitted a dispute with Northwest Collectors on XX/XX/XXXX for reporting a account that was incomplete or inaccurate information reporting on my credit report. The furnisher of the information which is XXXX XXXX XXXX provided me a statement stating that they do not have documentation upon which my first date of delinquency occurred on the account they reported as a paid collection. I DID provide this legal document as proof to Northwest Debt Collectors that the information is inaccurate or incomplete and that it needs to be removed from the credit reporting agencies to followthe FCRA Regulation 611 5 ( a ) ( I ) which states, " after any investigation under paragraph ( 1 ) of any  information is found top be complete or inaccurate or CAN NOT BE VERIFIED, the collection agency and or credit agency will delete it from a consumers credit report promptly. 
The collection agency ( Northwest Collectors violated my right under the FCRA Section 611 ( 4 )  which states, " with respect to the disputed information in the file of a consumer, the agency shall review and consider all relevant information submitted by the consumer in the period described inparagraph 1 A. Instead of taking into account the information that I received directly from the furnisher which states theinformation can not be verified, Northwest Collectors made up and furnished there unverifiable date  of delinquency from the account of XXXX XXXX XXXX office. This violated many consumer rights under the FCRA. It is not the job of a collection agency to make up or use there own information to report to a credit reporting agency, but it is there DUTY to report information directly from the furnisher. The information from the furnisher ( XXXX XXXX XXXX ) States the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 hope you can help me out with this problem. Back in XXXX of this year I file disputes with all 3 credit bureaus. I find it unacceptable that I havent got any response from any of them. I understand things have gotten slow since covid start but this is crazy to be almost two months and nothing.

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 2021-08-11
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First Financial Asset Mgmt. Inc. ( FFAM ), a collection agency, on behalf of XXXX keeps sending me debt collection notices and keeps calling me for {$51.00} that I have never charged. I have provided them with written explanation and showed them the status of my account with XXXX that clearly shows that I do not owe them anything. I have not sought any services from XXXX in XXXX. For XXXX, I have paid XXXX {$3000.00}, my full out of pocket contribution and my insurance company has paid the rest ( over {$30000.00} ). Thus, I do not have any outstanding balance from XXXX. In addition, I have never received any invoices from XXXX for {$51.00}. As of today, my account in XXXX 's systems shows {$0.00} balance and in excellent standing. I have requested both XXXX and FFAM to provide me the details of their claim and they have failed to do so. I have informed both XXXX and FFAM, that if there were any outstanding balance from XXXX, they should present the claims to my insurance company and they would pay for it as I have already paid out of pocket maximum of {$3000.00} that I am obligated to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-14
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a computer Graphics card ( {$1500.00} was the total after tax JUST for the graphics card itself. ) along with other miscellaneous technology items through XXXX with my Chase Freedom Unlimited Credit Card and I was suppose to receive an amount of 3 bundled items in one consolidated package. Upon receipt, the  packaging did not contain the computer graphics cards but it did contain the other items. I tried contacting XXXX in trying to resolve this issue, they first wanted a police report and some time for investigation. I supplied them with the requested document, After 15 days I was told that my claim was denied and that no further action was going to be taken. Next I went ahead and tried to open a dispute through Chase.com about the issue I had, they had overlooked my dispute several times with my explanation to them as they wanted a personal email stating explicitly what my issue was. This is what i had sent them, " I want to CONFIRM that I want to continue the dispute. 

The Merchant made a charge to my card in the amount of {$1500.00} for three items in one package. The items listed were a XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX and a quantity of ( 3 ) XXXX XXXX. I am disputing because I did NOT receive the Graphics card that has a retail price of {$1400.00} ( before tax ) at the time of the dispute. Upon receipt of the actual package, I noticed I did not receive the graphics card that was suppose to be included. I contacted the merchant to assist me with my issue. At first they wanted me to file a police report, which I did in a timely manner. Later they said they denied my claim and will not take any further action. I still tried resolving it with them but they did not bother to assist me at all and prefer to end my calls. '' Many days later, about 20 days or 30 days, I received a letter from Chase in the mail, stating that they have closed the dispute and that Chase will take no further action. I am out of money and am expected by Chase to pay the credit balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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:
A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company failed to reply to reply in timely fashion to second request sent to them about proper validation of debt. Attached is a copy of first letter which company responded with paperwork with a signature that I never signed. Also I sent over a second letter that was written out on XX/XX/2020 that company failed to respond to within thirty days. If needed I will send the actual date certified letter was sent and received by company and never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CITIBANK, N.A.
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:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF  PROTECTION AND RIGHTS, THE MACYS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.

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 2018-07-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted ally financial about the late payments on my account, each credit bureau is showing different months late the information they are reporting is not accurate and I asked for them to remove it, I have attached the letter I got back from them. 

my credit report XXXX XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX late 1 XXXX  ( husband ) report XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX late 4 XXXX has XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX as you can so nothing is consistent on how ally reported to the credit agency 's. 

I just want them removed.

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 2020-07-01
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:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax had its systems hit by a cyberattack that effected millions of people. According to their website my personal information may have been compromised. After learning this I tried to request my annual free credit report from them but the page froze, crashed my browser, and when I tried to do it again Equifax would not let me access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
New Jersey law is as clear as day. Credit card companies are not allowed to have middle of the day deadlines to make payments. This and many other institutions have cutoff times of XXXX  which clearly go against the states policy. Yet when confronted with it they give full of hot air XXXX answers. I paid my balance in full at XXXX  which is after I got home from work. I informed them about the law and the basically scoff at it like Im a a moron. They hire people that dont understand or research the law. They dont have anyone intelligent get back to you. Ive been charged this fee at least 5 times. I do not care about their policy. New Jersey law is clear. I live on a budget with a XXXX XXXX. I pay my bills especially credit cards on the due date to make sure I have money for her needs. Im tired of this company and their ignorance. And yes after multiple attempts to make them understand I reacted less than acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Was late on my XX/XX/2020 mortgage payment due to the result of financial hardship due to the Coronavirus. Was able to pay the total amount on XX/XX/2020 which was 34 days after the payment was due. I have made 27 consecutive online payments and happened to miss this one due to the pandemic. I reached out on XX/XX/2020 when I was notified the penalty went against my credit report asking Freedom Mortgage for a Goodwill Adjustment. Multiple supervisors proceeded to tell me that it was against the law to offer this yet I am reading information that says otherwise. With the CARES Act I have filed for loan forbearance and was hoping to have the remark waived due to the dire circumstances. It is not fair that the Government has decided to shut us all down from work, fumbled the unemployment payments, yet allow our bank lenders who received huge bailouts to still hound us and mark our credit scores. Our scores should actually be frozen until this all resolves in all honesty.

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 2020-10-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a response I received from Wells Fargo Home Mortgage today, XX/XX/XXXX, they claimed they had already removed me from forbearance. Their response in writing is a lie. When I checked my online account, it stated I was still in forbearance. When I called XXXX today, they also stated that I hadn't been removed yet. 
Also in their response, they claimed that my statements were accurate. Another lie. My statements have not been accurate and they are still not accurate. I made 4 mortgage payments in XXXX, XXXX. One payment was in the amount of {$1000.00} + change, and the other 3 payments were in the amount of {$1100.00} each. 2 of the payments for {$1100.00} have not been applied to my mortgage account. I called XXXX and spoke with a rep. She could not explain WHY the payments were not applied to my account. She said she would connect me with an executive. I was then put on hold and disconnected. I called 2 more times and was disconnected before I even had the chance to speak with anyone. The 3rd time I spoke with an executive and she could not explain why my payments were not applied. The told me she would have to open ANOTHER CASE. Wells Fargo has already claimed in writing that my statements are accurate, but they can not explain to me why my payments have not been applied to my account. I am convinced there is not a more corrupt or dishonest bank than Wells Fargo.

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 2018-09-28
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: Investigation took more than 30 days

Complaint:
I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you

Company response to consumer: Closed with explanation