BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: Bread Financial Holdings, Inc.
State: NJ
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:
This problem does not fit any specific category. I have been in a dispute with XXXX 's the billing and collection agency for XXXX XXXX Credit Card purchases since approximately XX/XX/XXXX. 

The charge dispute process and means of attempting to sustain charges is beyond words. I will attach as a PDF the last bill rendered. It shows a Bad of {$37.00}. As per instructions given in a letter I remitted {$16.00} for the shoes I purchased XX/XX/XXXX and there is a credit of {$20.00} representing the fees the letter advised XXXX would write off. I just hung up the phone question how there could be a NEW BALANCE of {$24.00} when there is {$0.00} Purchases ; {$0.00} other debits ; {$0.00} interest but a Fee charged of {$24.00}. 

I spoke eventually with a customer care representative who advised my gal is {$0.00}. She also agreed she would arrange to have the zero balance letter mentioned on the robot menu of choices. 

I will advise you if I do receive it but in view of recently reading this Bureau was set up as a result of the XXXX illegal practices I am following through with the complaint. 

Read their collections practices in the reverse. This is usurious and illegal. They continued to add more fees and interests to the disputed amount. They called me XXXX and 4 times a day with various Caller ID numbers but always from XXXX. Most times they hung up without a word. On two possible three occasions they advised me to call about my bill. It appears that XXXX is well known to this Bureau and what I had researched online indicated they are the billing and collection agency for several big name department stores e.g., XXXX XXXX. I eventually wrote to the Executive offices of XXXX XXXX recommending they end their affiliation with XXXX. XXXX XXXX answer was they could do nothing about the affect my dealings with XXXX had on my credit report and requested they advise XXXX to correct this also illegal practice when there is a dispute. XXXX XXXX response was basically to disavow any ability to deal with the credit rating, the billing issues other than to have reached an agreement I should pay {$16.00} and XXXX would wipe off the fees. 

If you like XXXX can do nothing advise me who can and will end these practices upsetting old ladies such as me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union and XXXX are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.

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 2021-08-12
Company: EQUIFAX, INC.
State: OH
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:
Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Hello, I closed a credit card over a year ago and paid off my remaining balance. Without my knowledge my creditor kept my account open and started charging me fees and eventually marked my card late on payment which decreased my credit score by more than 40 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is about Wells Fargo Home Mortgage not complying in a reasonable time frame for a request of information so that we would have had sufficient information to seek legal advice and perhaps participate in redeeming our home within a reasonable time frame. 

We were asked to leave our home on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on Monday, XX/XX/2018. We did not know that the house had been foreclosed upon and sold. 

ON XX/XX/2018 I contacted Wells Fargo Home Mortgage to request all documentation in order to seek legal advice about our rights. I spoke to XXXX XXXX XXXX Ext. XXXX. I let her know that I was needing all the paperwork in order to contact a lawyer. 

Today is XX/XX/2018. On Monday it will have been 10 weeks and we still do not have the paperwork. 

Also, My husband, XXXX, contacted a XXXX who was the person involved in removing us from our home on approximately XX/XX/XXXX, XXXX said they weren't interested in selling our home. Then the next time we heard from XXXX ( unknown company at this time ) on XX/XX/2018 and told us the movers were coming and we needed to be out of our home. We complied. 

Then on approximately XX/XX/XXXX XXXX tried to contact XXXX again. XXXX left a message. XXXX called back within approximately 2 days later left a message on XXXX 's cell phone that they had an offer they couldn't refuse on our house. 

On approximately the week of XX/XX/XXXX XXXX tried to reach XXXX again and left message. XXXX did not respond. XXXX left several messages. 

On approximately XX/XX/XXXX XXXX tried to reach XXXX again. Within a couple of days XXXX called XXXX back and left a message to say he was travelling and did not have access to the dates or any information. It is XX/XX/2018 and we still have not gotten the information from XXXX. 

The Mortgage was originally through : Wells Fargo Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payments were due to : Wells Fargo Financial Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are currently in the process of purchasing a condo located in XXXX, NJ. The loan application with PNC bank started on XX/XX/2021. The loan officer said without any doubt that PNC can do a 45 days closing for sure. So we went with them. The scheduled closing date is XX/XX/2021. During the process, PNC bank has been asking us for the same financials and employment verification of us multiple times although we have explained to the loan processor XXXX XXXX that we have already provided the documents and she would not listen to us. When it passed the original closing date, we have been following up with the bank and our loan officer XXXX said we can close during the week of XX/XX/2021 for sure however when it came to that week, PNC started to request the documents we have sent to them multiple times. And they havent even started the condo review at all. We escalated the application and filed a complaint. The branch manager XXXX XXXX told us the worst case closing date is XX/XX/2021. And the condo review will be finished within 5 days. And she promised she will provide us a daily update however she didnt do that. They started to request further documents from our condo. We had to call PNC general phone call every time in order to contact the processors because they never reply our email and phone calls. Our seller is planning to cancel the deal because the closing date has been delayed for a month. We strongly believe PNC bank owes every party evolved in this deal a clear answer about why the condo review has been delayed for so long and be transparent about the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to XXXX XXXX XXXX XXXX for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with XXXX and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however XXXX XXXX now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!

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 2018-09-05
Company: Bread Financial Holdings, Inc.
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 opened a Credit Card with XXXX XXXX ( XXXX XXXX Credit Card ). The account was only opened for a few weeks before XXXX XXXX closed my account with no reason at all. This company should not approve customers if they are going to close the account weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CITIBANK, N.A.
State: WY
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:
XX/XX/XXXX Citibank Customer Service XXXX. XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX Citi MasterCardXXXX ( XXXX ) XXXX I am writing to you to demand my outstanding {$540.00} credit back with applicable interest and late fees. I was promised by Citibank to have the check delivered to me in 10 days. 
XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX signed a binding agreement with me to move my belongings from XXXX, XXXX  to XXXX, XXXX. I paid them {$540.00} deposit, but the moving company did not show up on the date they promised. They did not move my household that was packed up in boxes and they said that they did not have a new time for me when they will move me! I disputed the {$540.00} back from Citibank and I hired another moving company. 
Citi reversed the charge but the {$540.00} sit on my account Citi did not sent me my money back. 
Every time I call customer service they came up with a new lie. I was told before that the computer system was down, then the phones were down, and they could not send me a code to verify my phone number, then the XXXX representative said that my name was not on the account. 
I closed all my Citi accounts and demanded my money being sent back to me XXXX customer service representative from the XXXX put me on hold for 20 minutes verifying my identity on XX/XX/XXXX. We have got this far previously. But when the account is verified the representative HUNG the PHONE UP. 
From what I see Citi is not a bank but a criminal enterprise from the XXXX in business for embezzling American customers money. 
I was on the phone for 35 holding with the lying XXXX representatives to verify my account till they hung up on the XXXX of XX/XX/XXXX. 
I was on the phone verifying my identity for 30 minutes on XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 30 minutes on the XX/XX/XXXX till the representative hung up. 
I was on the phone verifying my identity for 25 minutes on XX/XX/XXXX till the representative hung up. 
Citibank employees are trained liars! Citi customer service representatives have been trained by Citibank executives! 
Dated XX/XX/XXXX Citi sent me a letter saying that now my account is closed, and they reversed my dispute and sent the {$540.00} back to XXXX XXXX  who did not move me! 
I am outraged that Citi is allowed to embezzle money from customers!

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 2021-06-27
Company: LEXISNEXIS
State: NY
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:
I called LEXIS NEXIS and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please abide by the fora laws

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
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:
XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX 2  inquiries will be removed soon from your credit report. 

all ftc violations a sent XXXX/amazon XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Carvana Group, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Carvana charge me for a new plates and registration however it was a transfer now they bill that to the loan and I'm paying interest on it and they haven't issue my refund I have call multiple times and give me different story

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: VA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
They were credit cards taken out in my name and my wifes name and we have tried to get them to come off and no dice we have been through three credit repair services over the past two years and theyve done absolutely nothing but take our money and Trans Union for some reason had my score 100 points lower than the other twoAnd now I have collections on my report thats not even mine and theres stuff on there that shouldnt be there Ive been challenging for a long time and it seems like they dont pay attention to me Im getting tired of it I hope you can help thank you

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 2018-07-06
Company: Total Card, 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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA

Company response to consumer: Closed with explanation