BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT BANK OF AMERICA # XXXX 
BANK OF AMERICA # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX 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 2017-10-25
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX ( DOB XXXX/XXXX/XXXX ). Today on XXXX XXXX, XXXX I had called XXXX to follow-up on the process of my disputes. I originally contacted XXXX and wrote them a letter via mail asking them to dispute three accounts on XXXX XXXX, XXXX. They sent me a letter back on XXXX XXXX XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XXXX XXXX XXXX. It is now XXXX XXXX, XXXX and I have not yet heard back from XXXX. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XXXX XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from XXXX through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Old loan with XXXX XXXX was sold off to Freedom Mortgage XXXX as of, XX/XX/2021, and was informed it would be ready in their system as of XX/XX/2021, I have been ready to close my refinance through XXXX XXXX XXXX, and this payoff has held up the closing process. 

XXXXXXXX XXXX XXXXXXXX has been calling in requesting updates on this request since XX/XX/2021, they were informed that it would be ready by XX/XX/2021, XXXX XXXX had called to follow up on this request, and were told once again that it would be ready by XX/XX/2021, I had called in on the XXXX, to request my new loan number ( XXXX XXXX XXXX ) with Freedom Mortgage. 

The following day ( XX/XX/2021 ), the Loan processor at XXXXXXXX XXXX XXXXXXXX, and I had spoken with a supervisor at Freedom Mortgage by the name of " XXXX. '' XXXX had promised that he would follow up XXXX XX/XX/2021, at XXXX MST ), and provide the payoff quote as promised, XXXX never did call this morning, nor did he provide the payoff, as he originally promised. 

XXXX XXXX  had called in, again, this morning to follow up on the request. Nothing has been accomplished. He had spoken with XXXX, Rep I.D : XXXX, she had promised a response by ( XX/XX/2021 ) XXXX MST. She did not commit to her promise, and the Rep I.D . was false. 


This is a big issue, my lock expires on XX/XX/2021, and were able to close as soon as XX/XX/2021, Freedom Mortgage has not delivered on their promise, on multiple occasions, and has caused a lot of stress on my end with the mortgage process.

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 2017-10-25
Company: EQUIFAX, INC.
State: OH
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:
On XXXX XXXX, 2017 XXXX XXXX XXXX submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted XXXX XXXX XXXX about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ).  They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted XXXX XXXX XXXX nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 requested a Method Of Verification from the XXXX XXXXs one inwhich will substantiate their XXXX XXXX. I have denounced and disputed the following items reporting on my credit file. However, I was told by the credit agencies that these accounts been verified. As a general rule of law electronic Verification can not be accepted as proof. So I'm demanding physical documentation or as stated within the FCRA consumer laws if the XXXX XXXX XXXX  can not properly verify disputed accounts then they shall be removed immediately. Please remove these accounts, 1 ) XXXX XXXX  of MO 2 ) One Main 3 ) XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX {$790.00} 5 ) XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX 8 ) XXXX XXXX XXXX$2300.00} 9 XXXX XXXX XXXX XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi There are two sperate collection agencies that trying to collect on same debt. 

Afni Inc and XXXX XXXX. I never heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
back in XXXX  i sent letters to all three credit reporting agency that I was a victim of ID theft all negative items i wanted removed from my credit with no avail, so I am submitting a letter from the Irs cementing that fact so I am you to ask to remove said items from credit reports

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 2022-04-02
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 I submitted a complaint to the CFPB ( XXXX ) in regard to Paragon Revenue Group violating my consumer rights. I received a response from the company that did not address the full extent of the fair resolution I provided. Paragon Revenue Group did agree to remove the account from consumer reporting agencies as well as XXXX out the alleged debt. Legally this company is responsible for payment for the federal violations committed under the FDCPA. I have not received my entitled compensation for being violated as a federally protected consumer pursuant to 15 usc 1692k. I will attach the original documents provided in the first complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This is with reference to the Barclays XXXXXXXX XXXX XXXX credit card offer, offer mentions depositing XXXX miles 4-6 weeks after the requirements are met. 
I met all the requirements on XX/XX/2022 and since I didn't see the XXXX bonus miles in my account, so I called Barclays customer representative on the XXXX of XXXX, 2022. After approximately ~ 1 hour of waiting, I was told that I have met all the requirements and I should see the miles within 5-10 days. I inquired again on XX/XX/XXXX and I was given the similar response with the case ID # XXXX. 

On XX/XX/2022 I inquired directly with XXXX XXXX XXXX XXXX customer service and I was informed that the miles have not been deposited. 

On XX/XX/2022 I used the XXXX  handle of Barclays requesting to look into the bonus miles as it has been more than 4-6 weeks since XXXX of XXXX. I was told that to allow them another 30 days to complete the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I receive my ssdi XXXX benefits on a government card issued by Direct xpress on behalf of social security. On XX/XX/XXXX i noticed my account was low and called direct xpress. The sum of approximately XXXX dollars and some cents was charged on XX/XX/2022 in texas. I did not authorize this charge and was never in texas. I immediately filed a fraud complaint number XXXX with direct xpress/comericabank. It took me a wait time of 2 hours on hold to get in contact with them. They were supposed to send me a fraud complaint form and xpress a new card. I have called direct xpress countless times and been on hold for hours to try to resolve this issue. 
As of the writing of this report i havent received anything. No card and no form I also asked for a provisional credit. No new card. No credit. I am broke with no food or money for meds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-25
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The caller identified himself as someone from a debt collection agency ( unnamed ) and said my daughter owed {$250.00} to XXXX XXXX XXXX XXXX through named doctor who she had seen and had had outstanding debt at one time, so I thought it was legitimate. They had an old address for her, so I gave them her new address and phone number. I also told them we would need a copy of the bill. He agreed to send it and a settlement letter with a reduced amount ( red flag ) to my email, which I gave him. A little internet research indicates this is a scam. I did not provide SSN or credit card info. 

Caller 's name : XXXX ( with a strong XXXX accent ) Called my mobile phone from : XXXX ( says XXXX, TN ) He told me to have them call her at : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is a loan provided by the XXXX XXXX XXXX XXXX Comenity Bank for dentures for my wife. The Dentist 's Office Finance person presented the loan to us as a 0 interest, 24 month loan. We were to make flat payments for 24 months and the loan would be paid off with {$0.00} interest. 
Due to Co-Vid the procedure was delayed a year. Everything about the loan was forgotten until the first statement was received. The only number on the statement was a 'minimum ' payment. Per my original understanding ( made foggy by a year 's passage ), we were to pay a flat amount for 24 months and be done. Since the only number on the statement was the minimum payment amount, I paid that. When the next payment was due, the minimum payment amount had changed and was lower. This did not seem quite right so I read the statement about finances charges. It turns out that if I made only the minimum payment the loan would be paid off in 25 years and with {$25000.00} of interest. 
This was not my understanding of the loan. I called The XXXX XXXX and was transferred into Comenity Bank where it was explained " the flat payment amount '' was not included on the statement, and that I should do that math myself to create my own payment schedule. The Customer Service individual told me flat out that he could not document by letter, email or other written communication what my flat payments needed to be. He did the calculation and gave me a number that I was to pay for the next 22 months to pay off the loan. I was at a loss as to why he could not provide that in writing and so I asked to speak to his supervisor. The Supervisor reiterated the INABILITY to provide a written communication as to what my flat payment should be. 
My concern is that as a XXXX XXXX XXXX, not in great health, I could die at any time. I am the bill payer in the house, and if I go before my wife, she will then be left paying bills. It is entirely possible and very likely that if she needed to pay the XXXX XXXX monthly statement, SHE would fall into the 'trap'/habit of paying the minimum payment, thus lengthening the term of the loan and incurring unexpected interest charges. 
WHY can't Comenity Bank put in writing and list on the monthly statement the flat amount to be paid over 24 months to pay off the loan so as to not incur interest charges? 
Both my wife and I are on Social Security and while we can make the flat monthly payments, we can't afford to pay longer than 24 months or the added interest. 
In checking the XXXX XXXX XXXX website, I see that others have the same complaint. Not having the flat payment amount listed on the statement, and making the minimum payment in error. Clearly this is something that Comenity Bank could do, but is unwilling to do, lest they no longer mislead customers with the minimum payment and thus losing an interest payment stream greater than 26 % for 25 years. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX  # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX 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 2017-10-25
Company: Performance Settlement, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I am a licensed attorney in the state of California. I have always paid my law student loans on time. I received robocalls that left voicemails on my personal cell ( my cell XXXX ) : 1. ) Fri XX/XX/XXXX at XXXX PT from XXXX, and 2. ) Wed XX/XX/XXXX at XXXX PT from XXXX. 

Both voicemails failed to identify the company name ( red flag ), but both left the same return phone number : XXXX. 

I called, today Wed XX/XX/XXXX at XXXX PT, and I spoke with " XXXX. '' I asked him what company he was with. He mumbled " Performance [ inaudible ] LLC. '' When I asked follow-up clarifying questions, it was abundantly clear that he did not want to disclose the name of the company or allow me to get clarity ( another red flag ). I surmised that the company was based in California because of the XXXX area code. I XX/XX/XXXX " performance LLC student loan '' and found their website : http : //www.performanceslc.com/. He hung up after 2 minutes, 47 seconds. 

I called a second time at XXXX and spoke with a woman. This time I requested that my phone number be removed. She said that they would do so. But there is no way they could have because they did n't even have my first name, and I called from my office line -- not my personal cell. She hung up after 33 seconds. 

I want them to remove my phone number, which they should n't even have because my phone number is on the FCC Do Not Call registry. I find their business practices underhanded and lacking in transparency. For that reason alone I would avoid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Klarna AB
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint against Klarna & XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a Klarna prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to Klarna to dispute the charge. The Klarna transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by Klarna for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, Klarna kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that Klarna has reported me to a collection agency for a purchase I did not receive. Klarna failed to notify me that they were sending me to collections for a purchase I did not receive. 

Klarna did not help me with this issue as I reached out multiple times for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was financed by XXXX XXXX XXXX XXXX and the company registered a deed with the XXXX XXXX registry. When XXXX sold the loan ( if they did XXXX, to XXXX XXXX XXXX, XXXX never registered the deed for transfer.

Company response to consumer: Closed with explanation