BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used Western Union " quick 15 minute pay '' to send a {$1000.00} credit card payment to XXXX XXXX XXXX. It never posted. Western Union blamed the problem on XXXX XXXX XXXX and vice-versa. After research, I learned that XXXX XXXX  accepts mortgage payments from Western Union but never credit card payments. My initial problem was, why does ( 2 ) multi-billion dollar companies have the transfer feature available as an option for service to the uninformed public? My total focus has been on the extremely poor customer service & resolution from WesternUnion. The wire was sent to them on XX/XX/2018. I have complained to them since XX/XX/2018. They told me it would take 24-48 hours to resolve. My money control number is ( MTCN XXXX ) and my internal escalated complaint case number assigned by the Western Union 's corporate office is ( XXXX ). I have left an urgent message for the President & CEO XXXX XXXX, corporate customer service escalation desk, reps, senior reps, senior customer service reps, without a resolution and recent hang-ups on me. ( Disgusting ). Please return my {$1000.00} today, it's already 14 days late. They should be able to ping & reverse payments within 15 minutes. My phone number ( XXXX ) XXXX & email address is XXXX. I have used Western Union for 25 years on other matters. But, after this experience, I find there service poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
STarted on XX/XX/2020 until today XX/XX/2020, calls will begin before XXXX XXXX  and even received many calls at XXXX XXXX!!! I have made payment arrangements with Comenity Bank and asked NOT to call as my payment arrangements have been accepted. They call 10-20 times EVERY DAY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I received a call from IQ Data Management International ( aka XXXX XXXX ) in reference to {$250.00} that was owed to XXXX at XXXX XXXX for utility bills. XXXX  never contacted me directly or mailed something to my current/last name address. I spoke to once representative ( phone number XXXX, ext XXXX ) and asked for an outline of the charges that were owed, as I was confused about the total, as my utilities were typically {$150.00} flat rate per month. The individual transferred me to the Operations Manager,  XXXX XXXX, who could give me more details about the account. I had to ask for him to give me a breakdown of the charges, at which point he became very impatient. I stated that I would like to verify the amount with my old apartment building, at which point he became agitated, was extremely rude, cut me off on multiple occasions and basically told me that he didn't believe that I was going to send in a payment, would annotate to my account that I refused to pay and that it would hit my credit score. I told him to not speak to me in such a way and that I no longer felt comfortable speaking to him or giving him my personal information, and asked to be transferred back to his employee. He transferred me back and the individual assisted me with scheduling a future payment on Friday, XX/XX/XXXX. this individual confirmed that I would be billed and a letter would be sent to my mailing address. When I asked who I could speak to, the individual gave me the main line number, as there were no complaints or other supervisors I could speak to. When transferred, I was sent to voicemail. I do not appreciate the aggressive tactics done by this company or XXXX, as I was simply inquiring as to why I was being charged, when the charges had been previously due, and what my payments options would be.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX INDUSTRY : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX  XXXX INDUSTRY : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX   INDUSTRY : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   INDUSTRY : AUTOMOTIVE Inquiry Date XX/XX/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 2018-07-11
Company: PNC Bank N.A.
State: IL
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 recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times.

PNC Bank is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger.

He refused to help.

It is unfair that they did this. It has lowered my credit score by 200 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES.  They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
IN XX/XX/XXXX, I had contacted Capital one about a hardship program they offered at one time. XXXX of XXXX, I became critically ill with XXXX   and nearly died. I had 4 lengthy hospitalizations between XX/XX/XXXX and XX/XX/XXXX. When I was well enough mentally to contact my creditors, I immediately explained my situation and requested assistance through their hardship programs, where I would have the option of keeping my accounts open and in good standing. All other creditors offered a program, where they lower my interest, waive any late fees or over the limit fees, and reported my accounts in good standing with the credit bureaus. Not Capital one. They make it sound like they are there to help and have only the best of intentions to help you in your time of need. They do not. Since I have entered the hardship program, they sent me notice of default on my accounts, and threatened to cancel my accounts, reported me as much as 120 days late on all 3 of my accounts all while being enrolled in the hardship program. My understanding of this program was if I could not make a payment for a certain time frame, I would be protected while enrolled. If at any time I could make a {$25.00} payment to prevent further issues, that was acceptable. My understanding of their hardship program was to help people. NOT DESTROY their credit. I had an excellent payment history with all of my credit cards with them, but this just completely ruined me. They also did not explain in any way, that after you get caught up on your accounts while on the hardship program-that they then restrict your account for another 3 months-and still continue to report you late to the credit bureaus. I had reached out on SEVERAL occasions to inquire about changing my payment due date to coincide with my SSDI benefits, so that I could make sure my payments were made in a timely fashion and without having trouble paying. They flat out refused ( after telling me on more than one occasion they could change my billing date ). They claim payment due dates can not be changed while enrolled in a hardship program. How is that supposed to help me? It does NOT, it hinders my ability to make timely payments as agreed once I entered into the hardship program. Despite being caught up since XXXX, they have restricted my cards for 3 additional months, in which they STILL REFUSE to change my billing date. How can this even be considered a program to HELP ANYONE but themselves? When they offered insurance for this type of scenario, I always had payment protection on all of my cards specifically for issues like this, but they eliminated all programs to actually HELP people. I had filed a complaint with the XXXX  but all they did was have someone from corporate call and apologize to me and again go over the terms of the hardship program. NO help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
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:
I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit

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 2020-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As of XX/XX/XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file

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 2019-02-06
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:
As of XXXX of XXXX I Realize that my information was used to open account dating back all the way to XX/XX/XXXX for a outstanding balance of {$2100.00}. Second account seemed somewhat similar with an account Dating back to XX/XX/XXXX with a outstanding balance of {$2300.00} .3rd account XXXX XXXX XXXX  XXXX XXXX Dating back to XX/XX/XXXX with an outstanding balance of {$260.00} the Specific steps advise by the credit girls which was filing a police report which will be uploaded the file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Continental Finance Company, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
OnXX/XX/XXXXI contacted Continental Finance ( XXXX XXXX XXXX ) about my bill. the call was recorded for quality assurance of course. I was told on that date that my bill was not due until XX/XX/XXXXbecause of my billing cycle. Well on XX/XX/ Continental Finance called and stated my payment was over due and I would be charged a late fee. This is a very shady practice of circumventing the payment agreements.

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 2020-02-06
Company: Ocwen Financial Corporation
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/XXXX addressed to my deceased husband XXXX XXXX. It was from PHH Mortgage Services. There was information on there about a Misc repayment and an escrow disbursement. XXXX passed away in XXXX and he has not had a mortgage since XXXX. I called the company to find out what this was about and they would not give me any information. They said I needed to send them his death certificate. I told them that I was not going to do this because I had no idea what this was even about and then they hung up on me. 
It sounded like a scam and I wanted to report them so another person doesn't give them information and get taken like they were trying to do to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought our home through Wells Fargo in XX/XX/2016. The following XXXX, we received a letter from Wells Fargo saying that we were {$4500.00} behind in our escrow account. They originally tried to blame the problem on me telling me that my taxes must've gone up. My taxes did not go up. Then they told me that I should have a savings account to handle these types of problems. After reviewing the deficit, they realize the mistake was theirs. I was then forced to pay {$4500.00} to get my account up-to-date. I asked them if it would be acceptable if I transferred the money from my account to my mortgage with a note in the memo stating this was for escrow. They told me that that would be fine. I then transferred the {$4500.00} with a note in the memo. I also adjusted my monthly payments to reflect the increase in the escrow amount. Not long after I received a note from Wells Fargo stating that I was {$11000.00} behind in my mortgage. We have never missed a payment, everyone of our payments has been on time. When I called them to discuss the letter I received it was determined they had misapplied my {$4500.00} and somehow managed to screw up my mortgage payment history. After spending some time on the phone with them they rectified my payments. However, just yesterday I received another note from them saying that again we are behind on our escrow. Wells Fargo is a train wreck.

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 2018-03-27
Company: Experian Information Solutions Inc.
State: GA
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:
Currently being reported on my Experian credit report is a trade-line named ( XXXX XXXX XXXX XXXX ). This trade-line is an auto finance loan that was opened in XX/XX/XXXX and was subsequently repossessed in XX/XX/XXXX. The loan was originally underwritten by XXXX XXXX but was bought in XX/XX/XXXX by XXXX XXXX XXXX XXXX. The loan first became delinquent in XX/XX/XXXX.

Currently, the loan is being reported incorrectly. According to the FCRA, the trade-line can remain on your report 7.5 years from the first incident of delinquency regardless of debt owner or sale. The loan became first delinquent in XX/XX/XXXX however the trade-line is still being reported to this day ; almost 4 years past the time when it should have been removed.

Experian has been provided full documentation supporting the above information ( 6 ) six times now, however the record has not been updated or deleted. Furthermore, XXXX  has agreed to remove the trade-line and provided documentation, however Experian still has not removed the trade-line. This same information was provided to the other ( 2 ) two credit bureaus ( XXXX and XXXX  ), who have both promptly removed the trade-line.

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 2019-02-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I open a checking/saving with a {$500.00} promo back in XX/XX/2018. Get {$300.00} for a direct deposit and {$200.00} for depositing {$15000.00} new money for 90 days. During the process the banker told me the {$15000.00} new money can be deposit into any account. Now 4 months later they are denying me the {$200.00} saying it needed to be deposit into saving. I could have easily transfer the {$15000.00} into my saving with 2 clicks. I lost 3 months of investing the {$15000.00} elsewhere and all they told me was sorry for the misunderstanding.

Company response to consumer: Closed with monetary relief