BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-24
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 2017-08-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed a complaint ( CFPB complaint # XXXX ) regarding this company debt collection process. No dunning letter was every received from this company. To date, they are still reporting this debt on my credit file and no debt validation has been provided. Additionally, this company stated that the account they have reporting would be removed from my credit profile as a response to my complaint. As of X/XX/2017, this account is still reporting to both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the month XXXX, 2020, I contacted XXXX XXXX XXXX  Mastercard to inform Consumer Service Dept. that I was beginning Active XXXX XXXX in response to the pandemic. An initial letter with my first XXXX XXXX orders were mailed around XX/XX/2020. Upon my return, I received a letter that the company could not verify my XXXX XXXX status and orders must be included. The company was contacted by telephone and I spoke with a representative asking for my issue to be elevated to the next level since my order was submitted. A second letter, with my orders and a request for all rights under SCRA be afforded to me was mailed in XXXX, 2020. The response of the company was that my orders were not received and the interest rate reduction and fees were not waivered.

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 2021-03-27
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Comenity BankXXXX Account Possibly used on dark web Impersonating Representative took information in an attempt to close account XXXX Cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I make my mortgage payment every month through my bank accounts online billpay service and have done so for years. I typically pay my mortgage payment early. My statements started reflecting that I was behind a few months ago. I made several calls and sent emails but Lakeview Loan Servicing has still failed to post the missing payment. I sent screenshots of my XXXX XXXX  account as well as the confirmation number from the billpay service. Recently I went to XXXX where they researched the payment and provided a debit trace number which I have now also sent to Lakeview Loan Servicing. The payment was made on XX/XX/XXXX in the amount of {$1800.00} and was for my XX/XX/XXXX mortgage payment. I made another payment using the same method for my XXXX payment on XX/XX/XXXX and Lakeview received that and posted it as my XXXX payment. I have made my payments the same way for years and never had this issue before. The debit trace number provided by XXXX is XXXX. Lakeview has been mostly non-responsive and emailed me that my issue was resolved after my XXXX mortgage payment was received and posted by them.

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 2017-08-05
Company: Experian Information Solutions Inc.
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:
Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

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 2023-01-27
Company: EQUIFAX, 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 have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Late XXXX  Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Status Chargeoff Past due amount {$420.00} Fraudulent Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  Status Chargeoff Past due amount {$1700.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Status Chargeoff Past due amount {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
my wife and I own three account with this bank for over three year. XXXX XXXX XXXX XXXX XXXX failed to accept us as good loyal customer. we guess it because both of our age on or about XX/XX/XXXXXXXX we request a credit increase of XXXX for XXXX for our grandkid and was denied why? just because of a credit score which in fact they cause the account was open inXX/XX/XXXX with a XXXX credit line with a income home of XXXX. and a mortgage payment of XXXX and XXXX XXXX equity in our home both car pay for and over a million dollar in assets and about XXXX XXXX in credit card per month payment but frist nation bank charge us a month XXXX interest on one card that they reduce for no reason at all. that card had a credit line XXXX and they reduce that line XXXX that drop the credit score about 32. that put any one into a high credit usage now with this card that we ask for an increase that usage is about 71 %. think it unfair for the bank to say that they are not discrimination, and what they are done tell you what you can do with out re-evaluate history as a paid customer. it wrong and unfair to denied a person credit increase for XXXX went you are take XXXX XXXX a month interest went that customer never being late. never failed on his schedule payment in a total 48 month on time ever month. that unfair and treat wrong in ever level of business particle for a bank that a customer have never not pay there month statement. I challenge XXXX XXXX XXXX XXXX to examine my and my wife payment history with this bank. and if you find any error in payment history please contact us and we will pay this account out and closed. that is for any account hold in my name. and for this bank to denied me a increase of XXXX to purchase XXXX  and with the payment history with bank I.am not an attorney but something is wrong with this picture.

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 2021-01-21
Company: EQUIFAX, INC.
State: UT
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:
In 2017 I submitted a complaint with you, and now after not getting any results from my mortgage company, there was a class action lawsuit brought against them for improperly reporting. I received a check and a statement that stated " As part of the settlement agreement, XXXX XXXX  has requested reporting agencies to delete records related to closed accounts, credit inquiries, and/or delinquencies. However, I have sent this letter, and disputed it with all three credit reporting agencies, and neither XXXX XXXX, nor the credit reporting agencies have corrected the issue. I am showing 34 past due payments, and none of them were ever past due. I have fought with this company for the past 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I called to tell Equifax to remove the freeze I had put on last year when their system was hacked. They said I did not pass their security check. They asked me to fax my personal ID including my SS card and driver 's licence which I did immediately. I was told the process took 48 hrs. It is now 3 days later. I have called 4 times and they keep telling that they either a. have not received the fax or b.they have not entered my request into the system or c. It takes 7 to 10 days. Each time I call and go through their process I apparently do not answer the questions to their satisfaction. I suspect that they have wrong information. I tried ordering a copy of my credit report online but they refused. I am in the process of buying a house. This delay may destroy my ability to complete this purchase. Time is of the essence here! Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Public record information inaccurate

Complaint:
I have tried numerous times to have a bankruptcy that is reporting on my file removed as it is not mine. The company reporting it to you XXXX is frozen to my personal information due to fraud. So how is it possible this wrong information is reporting on my credit report. This is my last attempt to have it removed or I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The account is old and closed. The car was purchase in XXXX and paid. And close XXXX and they charge it off with a balance of XXXX. They still have the account on my current report has open. The account is reporting on Experian and XXXX XXXX. The account was remove on XXXX fax credit report. Do to old account and closed.

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 2018-05-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
1 : I applied for the XXXX XXXX Prepaid Plan. After reviewing that I have signed the payment completion order, XXXX XXXX will not send my order to various issues. Also limited my 2 : I opened PayPal 's PayPal credit account, when I bought a very smooth shopping ready to complete the payment order, waiting to send my phone 's verification code to verify my personal information, I enter the verification code verification result verification is wrong, I The customer service staff who had called and consulted answered the verification code again. I repeatedly asked the customer service staff to confirm the verification code and enter the verification code. The last error was inconsistent. I think the paypal card is actually just a fake digital wallet. Unable to use, PayPal deceives consumers. Because I consult customer service, customer service can not answer, transfer topics, and finally hang up. 
I can't use PayPal credit payments, PayPal cheats consumers, and my credit report doesn't show that I open a PayPal credit account. 
I must complain about XXXX XXXX and paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
AN INVESTIGATION INTO THIS COMPANY WAS OPEN WITH EQUIFAX IN REFRENCE TO THIS UNVERIFIED ACCOUNT. THE COMPANY ALSO HAS BEEN NOTIFIED BY CERTIFIED MAIL AND HAS NOT YET REPSONDED. EQUIFAX AND THE ALLEGED CREDITOR IS REPORTING SAME ACCOUNTS TWICE WITH RESETING THE TIME AS FOR THE DISPUTE AND ACCOUNT AGE AS WELL TO DOUBLE REPORTING. WHILE IN INVESTIGATION. IM SURE EQUIFAX IS AWARE OF THESE VIOLATION. AS WELL THEY CONTINUR TO REPORT MY NAME WRONG FOR I HAVE SENT THEM INFORMATION REGUARDING MY TRUE IDENTITY, FOR I DO NOT HOLD AN SR,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my complaint with CFPD file # XXXX submitted on XX/XX/2019 by me, sent by CFPD XX/XX/2019 I recieved on XX/XX/2019 the SAME AS ALL PAST DEBT COLLECTORS the same as a 3rd grader would print out of the same judgement and again no proof of any kind that the debt belongs to me ( I have about 10 of them ). Obviously they recieved the complaint on XX/XX/2019 from me through CFPB. 
They refuse to respond on line through my online complaint with CFPD. 
No proof of any kind has bin in the past ever provided by any / all of them about this bogus debt. 

A complete FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Envision Payment Solutions, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I paid for my property taxes online ( due to COVID ) and there was an extra XXXX in my acct number. I am being charged 3 % ( ~ {$300.00} in fees ) for " insufficient funds '' and can no longer pay my taxes online ( it is marked as paid, yet it did not come out of my account ). The funds were sufficient, simply an error in entering the acct number. I usually turn in a check to avoid the small fee XXXX approx. {$3.00} convience ), but elected to remotely pay in order to avoid crowds. Not I am stuck with a {$300.00} fee that I have to pay in order to pay my property taxes. City of XXXX XXXX XXXX GA XXXX, XXXX XXXX, and Envision Payment system are the companies involved ( not sure where my fee is even going to as all 3 said to contact either other about the issue ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: TN
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 XX/XX/2019 i called wells fargo XXXX XXXX XXXX credit card customer service i talked to XXXX at phone number XXXX i told him that on XX/XX/2019 a credit card balance refund of {$25.00} was subtracted from my credit card balance.I did not receive a refund in the form of a refund check or statement credit.All he responded was i did and never explained to me in what form of payment did i receive.Wells Fargo owes me {$25.00} and i request a refund check of that amount

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 2017-12-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. 
The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to close my account with BBT and they refused. They want to keep the account open and continue to charge me {$12.00} per month for having an account with them. Four years ago ( XX/XX/2014 ) I deposited 2 checks for {$68.00} each signed over to me by the " pay to. '' Even though the checks cleared and BBT received the funds, BBT placed a hold on my account for the deposit stating that the " pay to '' on the checks had to sign again. The " pay to '' verified their identity with BBT several times but the hold remains to date. BBT has robbed me of a total of {$280.00} thus far.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THAT THE FRAUDULENT ITEMS BE REMOVED FROM MY CREDIT REPORT. 


XXXX XXXX XXXX XXXX XXXX- XXXX ( {$350.00} ) XXXX  XXXX XXXX XXXX ( {$5200.00} ) I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THESE ARE NOT MY ACCOUNT.

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