BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: GA
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:
ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of the fcra these are unauthorized and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I was contacted by comenity bank About a debt of a relative of mine. I advised the person it was a distant cousin and I have nothing to do with them and asked them not to contact me about this. In my line of business I answer every call since it I have several clients and customers that contact me. A week passed and I was contacted again however this time they were more aggressive and said for me to get the message to her or give me her number. I asked for a supervisor and asked to be removed again I also asked how did they link me we have totally different addresses and she is my 3rd cousin. They told me they legally can investigate to see how we are related Im guessing social media and they then will contact me. Not one time have I ever been late with this company or have had issues with billing. They have now sold this account to a third party collection agency and attached my phone number as the point of contact and they are now harassing me telling me to make this easy and just give them a way to contact my distance cousin. I have tried to reason with every company however they continue to harass me and say it is legal for them to continue to contact me regarding someone elses debt! 
I have opened a complaint several times threw supervisors and have now opened a XXXX complaint as well as this one to make the harassing calls stop I have also closed and paid all accounts with the company and advised to remove me from all contact lists as I with to never be contacted by them again!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
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 Try submitting my FTC report to this companies online dispute portal. Every time I try to submit my FTC report they dont allow me to so now Im going to send it through the CFPB. 

This is a lousy company who doesnt do any investigations and want to willfully not comply to remove any accounts that are negative. 

My FTC report is attached along with my Social Security card and license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite numerous requests, Ocwen Loan Servicing, LLC keeps failing to substantively respond to the efforts of this firm to assist our client in resolving this matter. In addition to failing to substantively respond, Ocwen issued a short sale denial letter, even though our client never applied for a short sale. This firm 's attempts to resolve this matter have been met with letters from Ocwen Loan Servicing, LLC instructing us to contact a different department within Ocwen. As instructed, our firm has provided letters to the different department, but we continue to be ignored, and the delinquency amount continues to grow while Ocwen fails to properly address this situation. Ocwen has moved forward with scheduling a foreclosure hearing on XXXX XXXX, 2017. Ocwen is holding, in a suspense account, more than {$30000.00} which belongs to our client. Ocwen 's actions and inactions are violations of Federal and State loan servicing standards.

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 2017-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I 've made several attempts to reach XXXX XXXX at Wells Fargo who was assigned to assist me in getting assistance to modify my loan. These calls began on XXXX 2017. After becoming frustrated I was finally transferred to a supervisor XXXX XXXX XXXX. At that time I was only 6 payments behind. XXXX XXXX then advised me that Wells Fargo had filed a notice of default on my home. I mentioned to XXXX XXXX I need help with a modification and I asked for a reinstatement quote. On XXXX XXXX, I had notice of sale posted on my home. No one from Wells Fargo has tried to assist me in bringing my payments current.

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 2021-05-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This company was disputed few months ago, then they abruptly closed the account. Now, they are reporting account is 30 days late. How can I be late on an account that is closed. The company is reporting wrong information as I have not used this store card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo continues to refuse to remove accounts that we opened under my name during a divorce. I did not open the accounts. My Xwife was violent, she used bats, frying pans, lamps or any other large object that might have killed one of my children. I stopped her because police and child protective services would not help. I was alone. I got punished for stopping her, she would attack me screaming that I was undermining her parental authority. I suffered uncountable XXXX XXXX, XXXX XXXX and XXXX XXXX. Eventually I checked myself into a XXXX hospital. It has been 4 years now and my Xwife still sends me emails from new accounts laughing at the dept she piled on, but I can't prove it is her. Why must I continue to suffer even though I have gotten away?

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 2019-07-04
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:
THE DISPUTED ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME, PLEASE HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited stimulus check of {$1400.00} prior to the cutoff time of 5pm est required by bank for check to be processed the same day and for funds to be available the next business day. Chime back is violating regulation cc by not making my funds available the next business day. Chime also breached the agreement set by the institution that states the the funds would be available the following business day. After speaking with chime, I am being advised that the funds would not be available until after the business day has ended. Chime is not only unnecessarily holding the funds but they took the liberty to repay the XXXX XXXX I was overdraft but did not make any other part of the deposit available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Kashia Services
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BARCLAYS BANK DELAWARE
State: SC
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:
On my Barclay credit card from XXXX I had fraud. I tried to do the online dispute but it only let me do half of it. So I called in with the other half. Every time I call I try to tell them about ALL the charges but they didnt understand my XXXX and thought I was talking about one charge. This went on from XXXX till XXXX of this year. It was always we filed your dispute and it can take up to 90 days. So I would wait a few weeks and I see I still havent got professional credit. They say you are not responsible for these charges BUT you still get a bill each month which I did pay. Finally after going around and around I get ahold of someone a week or so ago and they didnt just hang up on me or put me on hold for a hour. They put the disputes in and I thought finally after months of this I got someone to actually get it right. Then shortly after I get a letter in the mailed they they denied my disputes based on I took to long. I never took to long! They just never could get it right.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: LA
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 am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the XXXX bureaus to resolve this collection I am filing a compliant as my right under FCRA and fair credit and billing act have been violated. I have for several months trying to get the 3 bureaus to resolve this collections I am filing a complaint again as there has not been any answers back from Experian for these two disputed accounts ( XXXX XXXX XXXX Account number XXXX XXXX  XXXX XXXX Account number XXXX ). I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Experian to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Experian has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all XXXX bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. 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 2017-10-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: AR
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:
hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit bureaus on multiple occasions and they have yet to fix my issue. I have multiple inquiries on my credit report that I did not authorized and I need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have a few addresses on my report that are not mine and I need removed from my credit report. I need my current and accurate information to show on my credit report. The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH 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 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
Traded truck in XX/XX/2020, but it took dealer 2 months to payoff, got one month removed/fixed but not both

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted/disputed Tranunion about incorrect Personal Information on  my credit report with them. They have done NOTHING to correct my report. 
They listed phone numbers that were never mine ( several of them ) and I told them one of the addresses listed was never a Valid or Correct address. 
I have only had one phone number the last 10 ( Ten ) years ( the XXXX number ). I am a Widow with NO OTHER TELEPHONE NUMBERS. 
They will not correct the information. 
ALSO, I have PAID/SETTLED with an Acct ( XXXX XXXX ) but they wont remove it. 
I am so very frustrated!

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 2020-02-10
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: Credit inquiries on your report that you don't recognize

Complaint:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2019-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX19, I tried to access bank 's website, but a message code is to be sent to a U.S. cell phone. I'm currently traveling outside the U.S. and  can't receive a code so I can't determine what my monthly payment is. I called the bank with the customer service number on the back of the credit card which is XXXX. I was given two options, press 1 to  hear a robot give me a sales pitch about a medical alert service. No human came on at the end the connection ended. I called back and pressed 2 and got another robot trying to sell me a towing service! Again, at the end the connection ended. I'm unable to make a payment because I do not know what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: AR Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX Date of service XXXX XXXX bill from XXXX XXXXXXXX XXXX XXXX {$380.00}, XXXX bill from XXXX XXXX XXXX XXXX  {$380.00}, XXXX I called XXXX, was told that XXXX XXXX XXXX XXXX had to billed incorrectly, XXXX sent them a letter, XXXX AR Resources notified credit agency of a collection account in the amount of {$380.00} and sent me a letter of collection, XXXX I received XXXX insurance letter showing a copy of letter sent to XXXX XXXX XXXX XXXX  regarding submission of bill for {$380.00}, XXXX I called XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  related that they would contact AR resources and pull the bill back from collection pending XXXX payment, XXXX I received explanation of benefits from XXXX showing they amount they paid and the amount that I owe to be {$32.00}, I never received an accurate bill from XXXX XXXX XXXX XXXX, I never received an accurate bill from AR Resources collection agency, XX/XX/2021 XXXX XXXX XXXX XXXX billing was acquired by XXXX XXXX billing services, XXXX I saw the collection account on XXXX, I contacted AR Resources and paid the {$32.00}, AR Resources stated that once the payment was made that the account would be removed from the credit bureaus, they stated that they do not have a pay to remove option but that they would remove the collection upon payment and that it would take from 30 45 days, XXXX I called XXXX XXXX  billing services and asked for assistance with removing the collection account from my credit report. They stated that they could not do anything to assist because they were not the originator of the bill, XXXX I called AR Resources, I was told that I would just have to wait the 30 45 days for the collection account to be removed from my credit report. I asked why I was never sent a correct billing. I was also told that they had adjusted the amount from {$380.00} to {$32.00} in XXXX of XXXX  and that I should have called them to find that out. I was also told that they sent me a letter on XXXX detailing the payment are removal of the collection. I have not yet received that letter, IF this account had EVEN been properly billed I would have paid it. I do not feel that I should be penalized due to the errors by the original billing company, the collection agency and the secondary billing company. 

AR Resources stated that all of our calls were being recorded so they will have verification of the statement that they would completely remove the collection account from my credit report and my correct credit score would be restored.

Company response to consumer: Closed with explanation