BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX. I purchased a home in XX/XX/2021 with my daughter XXXX XXXX & her husband XXXX XXXX. I have tried to fix these issues with Caliber homes and they will not help us. I have attached our mortgage bill below. I put the {$140000.00} down on the home and my name is not on the billing statement nor on the 1098 but it is on the note. It took several calls to Caliber to actually speak with me because they did not recognize my phone number or me. They finally checked the note to see that I am the XXXX person on it. The 1098 came in and it is in XXXX 's ss #. XXXX and XXXX, even though married, file separate tax returns and I file my own as well. We want to be able to deduct the finance charges individually for the next 30 years and we can't. I need changes to be made for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: VA
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:
The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) a court order d ) employment None of the below inquiries resulted in any of the above outcomes. 

Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX - XXXX  Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Comenity Capital Bank did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I XXXXay have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
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:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the XXXX website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the XXXX  website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: American First Finance, Inc.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i purchased furniture from XXXX XXXX. The loan amount was for {$3000.00}. I was never explained that American First Finance APR was 144.60 % As of XX/XX/XXXX, i have paid back {$4400.00}. I have called and asked for the disclosure and they did not provide me with it. I have called and complained numerously to the company. American First Finance refuse to help me, instead they kept withdrawing money out of my Bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DID NOT AUTHORIZE THIS INQUIRY 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 2023-01-05
Company: EQUIFAX, INC.
State: NY
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:
Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2020 Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sams Club credit collection is trying to collect a debit I don't owe and I was never associated or worked for the account holder XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. They Claim that the account opened in XXXX and closed in XXXX, I asked for evidence of me opening this account but they don't have any and asked me to contact Sams club and they are not helping.

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 2020-03-05
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company ( National Credit Adjusters ) put a collection on my credit reports, stating that I had a loaned opened with XXXX XXXX on XX/XX/19 which in not at all true. I haven't talked too or received anything in the mail from either National Credit Adjusters or XXXX XXXX. I just mailed National Credit Adjusters a request for validation in accordance of the Fair Debt Practices, I mailed this to both of the listed addresses I could find. I would like this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for credit with discover card XX/XX/2020 and was approved for {$750.00} credit limit. I received my card and start utilizing it. On XXXX XXXX I noticed a drastic change in my credit score because of issue with my credit card. So I called discover card services and was advised that they needed to verify additional information which was very vague and not specific in detail. Discover card advised me that I would receive email for verification and I received XXXX  docsign IRS 4506-t. At that point I was advised that a hold would be placed on my account. I made a payment on XXXX XXXX for the amount of {$640.00} as my payment is due on XXXX XXXX. I currently receive XXXX income and due to this reason I was discriminated against because of my XXXX income and discover card used my XXXX income against in extending credit to me. As a result my account was closed. My credit score dropped tremendously. When I can call or chat to get more information limited information was disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A check that I had placed in my mailbox on or about XX/XX/22 to be mailed out to pay the bill to the water company was taken at some point either from my mailbox or during mailing and altered for a different amount and made out to a different person, and my account was debited for {$6800.00} when the check was originally made out for {$100.00}. 

I noticed this issue on XX/XX/22 and immediately notified Chase Bank, my bank. The following day, I went in and filed a fraud claim with Chase on XX/XX/22. I received a letter from Chase about two weeks later that they had filed a claim with the other bank on my behalf. I have still not received my money back and have had no further update from Chase. My understanding is the other bank that cashed the altered check is XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a medical bill collections. But, my health insurance company covers ALL medical costs at 100 %, no matter the procedure, what the visit is for, etc. I DO NOT owe this money. My insurance COVERS IT. I tried to dispute through XXXX and nothing was done about 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 2022-12-31
Company: Bread Financial Holdings, Inc.
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:
I have Comenity Bank set up in my Bill Pay account and make a recurring {$750.00} payment monthly. Comenity has lost 4 of the last 6 payments ( XXXX, XXXX, XXXX, and XXXX ) I have made and failed to apply the funds to my account. I have followed their dispute process and even had a 3 way conference call with my bank. Comenity stated they had done a system conversion and were having issues with a large number of payments but would resolve the issue within 90 days. At 90 days they asked us to refile the dispute with more information, but they already had everything they needed from the bank from the first call. They did ask us to use a different address and updated account number and we made the changes requested. They then posted 2 payments before losing the XXXX and XXXX payments. They charged us late fees on both and we have had to file 2 additional disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: BARCLAYS BANK DELAWARE
State: PA
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:
SCAM ALERT/ Fraudulent merchant We made a purchase online with a merchant named " XXXX XXXX '' in the end it turns out this merchant is a fraud. I will attach documents to this complaint. My issue is I NEVER RECEIVED THE ITEM I PAID FOR. 

I contacted the credit card company to assist. they initially gave me a credit. after 60 days my credit card company re charged me the original amount. 

The merchant responded but did not provide proof so my card was recharged. 

Now the details .... 

On XX/XX/XXXX we made an online purchase at " XXXX '' website which was operational at the time. 

We received a confirmation of the order being placed in the amount of {$70.00}, XXXX # XXXX was given. 

On XX/XX/XXXX we emailed " XXXX '' to get an update on order. we did not receive a response. We waited until XX/XX/XXXX and sent a 2nd request to the email address. Still no response. 

On XX/XX/XXXX I called Barclays Bank Credit card ( My credit card ) alerting them that i have not been successful in resolving my issue. I explained to Barclays the order was not delivered and I was not able to reach the merchant. Barclays provided me with a temporary credit while reviewing the dispute. 

On XX/XX/XXXX i called Barclays to ask about the charge on my account for XXXX XXXX for {$70.00} I was told that the merchant provided " Proof '' of my order. Barclays also stated they reached out to me on XX/XX/XXXX. I do not recall any receipt of a call or email on this date. I have reviewed my call log as well as my emails for XX/XX/XXXX. Anyway, I noticed the charge on XX/XX/XXXX. I called Barclays, they stated they attempted to reach out and they stated the charge was being reapplied. I was told i needed to submit a request for an appeal. within a week i received a packet from Barclays with a letter and copies of documents from the merchant. I was told My response had to be returned within 10 days of the date of the letter dated XX/XX/XXXX. I faxed them my response to reopen and reinvestigate on XX/XX/XXXX. The website no longer exists. 

Barclays put the burden of proof on me. However, the information provided by merchant to Barclays only shows the order was received and paid for. I DO NOT see any proof of shipping/tracking or delivery of the item paid for. I have attached all supporting documents I have which was also provided to Barclays. At this point, I am out money and do not wish to receive the item even if available. I want my money back please. 

Thank you for your time.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$35.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$5700.00} XXXX XXXX Balance : {$2200.00}

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 non-monetary relief
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from XXXX XXXX and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with XXXX XXXX  The next unknown account is with Bank of America. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called bank of America and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.

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 2022-02-05
Company: Experian Information Solutions Inc.
State: LA
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 i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.

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 2022-12-31
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-02-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My Wallet was stolen. They have my driver 's license and SS card and my daughters as well.XXXX  XXXX 2022 a bank account was opened in my name, I received letters from the bank saying they opened one. PNC Bank is the name of the bank. I called them. They told me to file with y'all. I also made a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
JPMCB placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from Chase Bank regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.

Company response to consumer: Closed with explanation