BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: CITIBANK, N.A.
State: FL
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:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Citi. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership and was ignored. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. I have been contacted by Citi at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. When they were unable to attack my credit any longer, they turned to my daughter 's who was an authorized user and added when she was XXXX years old. I spoke to two Client Specialists who removed her from the credit cards. However, when I asked if they were going to report her as not delinquent to the credit reporting agencies, they told they would investigate. Citi has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX and may not XXXX for another year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27
Company: Allied International Credit Corp., (US)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I believe I received a spam letter from AIC trying to collect money which I never owed. 
I choose not to contact the company since I think it is spam. They said the creditor is XXXX and I owe {$650.00}. I never buy from XXXX. They said I should send the money to them or to XXXX. 
This letter was received by me on XX/XX/20. I have a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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:
Upon review of my consumer report I have found false and inaccurate information being reported. FCRA states that I have the right to have accurate information be reported and these items are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.

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 2020-10-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to get this information clear up from all three of my credit report. The bureau inform me that they would not investigate again. The items on my report should have been of my report because the seven years has been up. They have me down as late payment on my mortgage. My report is not right I have tried several times with them to get it resolved. I have call each credit bureau at sixteen times concerning my credit report. I am a disabled veteran. Im getting depressed dealing with this..

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 2019-11-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Fraudulent account identity theft XXXX XXXX ct/ XXXX XXXX Date open XX/XX/XXXX Amount XXXX Account was deleted XX/XX/XXXX from Experian credit report but the same account continues to reappear back on 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 2019-02-25
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to Ocwen. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded by sending me a loan modification via express mail that had conditions that I could not refuse the package. I have been contacted by Ocwen at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least five times. Ocwen a has reported me as delinquent to the credit reporting agencies and ruined my credit. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A random company sent me a letter on attorney letter head in an attempt to collect a debt that i do not owe this is identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On XX/XX/19 spoke with XXXX XXXX XXXX XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, American Express and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2021 I reached out via letter to MACYS XXXX XXXXo resolve this account. They were unresponsive. I followed up again as a follow up in XX/XX/2021 to resolve this account. This company was unresponsive. Please remove this account as this company has been unresponsive and did not respond in the allotted 30 days. Please remove 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 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have sent numerous requests to delete the old addresses that do not belong to me on my XXXX and Transunion credit reports. 

The following addresses are on my Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX BOX XXXX UNIT XXXX APO, AP XXXX The following addresses are on my XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been sending the attached proof of address for over 6 months with dispute letters.

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 2020-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Disputed items on XX/XX/2020 had no response from bureau. submitted disputes again XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX  XXXX. I am also XXXX and was wrongfully terminated in XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of Discrimination in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX  XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXXXXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX  XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am XXXX XXXX  and XXXX XXXX XXXX for another year.

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 2019-02-25
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: Account information incorrect

Complaint:
In XX/XX/2018 my identity was stolen. As soon as I realized what happened, I reported it to XXXX XXXX XXXX. I am also XXXX and was wrongfully terminated in XX/XX/XXXX and have not worked since then. I attempted on several occasions to request reasonable payment terms based on the fact that my identity was stolen and that I am XXXX. They also received a formal Charge of XXXX in my name and my daughters who is a XXXX XXXX survivor. I escalated the issues to the Executive Leadership, Ms. XXXX XXXX, team on more than one occasion. All I asked was for them to waive any late fees and penalties and to provide me with a payment plan. I even reported everything to their security and fraud department because my credit cards ( separate complaint ) had fraudulent charges. I received a letter that I somehow benefited from the fraudulent charges when I have a permanent restraining order and police reports and me and my family have been threatened with bodily harm. I made several verbal Cease and Desist requests verbally and hired an attorney to send a written one. XXXX XXXX informed me that in order for the Cease and Desist to be honored, they would have to be subpoenaed. This is contrary to the laws in Florida. She also send me an official document to complete that indicated I did not originate the loan. I never said I didn't originate the loan and refused to complete the documentation. Instead of providing these accommodations, XXXX XXXX XXXX hired an attorney, XXXX XXXX, to harass me even further. I requested from them to provide reasonable payment terms. They refused and when I told them that their client engaged in predatory and discriminatory behavior, they responded that my charges were based on " unspecified laws ''. I have been contacted by XXXX XXXX XXXX at least 30 times via email ( online statements ), US mail, certified mail, etc. and by their attorneys at least a dozen. XXXX XXXX XXXX has reported me as delinquent to the credit reporting agencies and ruined my credit. Recently, I received a fraud alert on a closed account and called the number and was immediately transferred to a collection department. I am now in not only a situation of severe financial hardship but recently learned that I am critically ill and may not live for another year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Halsted Financial Services, LLC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harassing calls XXXX ( XXXX & XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX, XX/XX/XXXX & XXXX ), XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX harassing calls and on XXXX a rep hung up in my face when I tried to ask who they are and refused to get a supervisor I even emailed Halsted financial asking them to not call me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because I worked on a XXXX XXXX, my information ( and my wife 's and kid 's ) was compromised in the Equifax breach. As a result, I froze all three credit bureaus. 

Recently, my wife and I decided to purchase some property and so needed to unfreeze our accounts. Unfreezing our accounts with XXXX XXXX and XXXX  was simple. But Equifax would not let me log in with my password and unfortunately I do not have any record of the PIN that claimed they sent me at the time. 

So I tried calling to unfreeze my credit. I have called three times and in every instance they were " unable to verify my credit '' due to what are clearly communication issues with the people on the phone ( for whom English was not their first language. ) Their verification process consisted of multiple choice questions that were difficult to hear and understand. I don't use a lot of credit, so the questions especially didn't make sense. Most recently, they said they could only help me if I could tell them the exact month that I froze the account ( years ago ).

As a result of failing whatever their protocol was, I was told I had to physically mail in documents to verify my identity in order to request the freeze be removed, which I did. Twice. The first time, I temporarily unfroze it. The second time, I unfroze it permanently. I also asked them in my correspondence to please restore my online access so I could manage my own account. I received two letters from them saying my credit had been unfrozen. But despite my requests, I have received nothing about how to restore and access my account online. 

Today, at the bank I learned that my account is still frozen, so I can not access my credit. What's more, they have not restored my online access nor given me a way to do so, despite me sending them overwhelming proof of my identity. They are now jeopardizing our ability to access credit. And I am left with no alternative but to call them again. 

I have spent hours on hold and then talking with these people without satisfaction and there is no other alternative. I don't know if they have inaccurate information in my file or if I am just not understanding them or if what they are asking for is just so obscure that I don't know what they are talking about. But either way, they are holding my credit XXXX. It is absurd that they have that kind of power and the consumer can't do anything about it. 

I have paid my bills on-time my entire life. Yet, despite having substantial assets and a high credit rating, my wife and I are unable to access credit because of the the incompetency of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are erroneous accounts showing up on my credit report that I have never opened nor provided my permission for these account to be open

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