BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSWORLD SYSTEMS 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:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the Irma Hurricane, the mortgage company offered me a XXXX month forbearance without explaining clearly that after 90 days, the full amount of the three payments would be due all at once. I have been complaint with all requirements and payments scheduled and I am now in a repayment plan after being denied and no written reason ( I have been reported to the credit report for delinquency in my mortgage )

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 2018-03-28
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. 

Three attempts have been made to provide that information to XXXX XXXX XXXX   Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX   continues to communicate to the credit bureaus as a delinquent account. 

Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.

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 2020-05-13
Company: Admin Recovery, LLC
State: MA
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:
Company called my cell phone which I did not answer. Immediately they called the house phone where I am staying with family. It is not my house or my phone line. Called twice that went unanswered. Back to back. Immediately called again and call was answered and hung up. They immediately called back and were told not to call that number. They immediately called back again and after I told them they had just repeatedly called multiple times they didnt call back.

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 2018-07-09
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX finance thru Santander bank been paying on it since and up to this date Im still at same balance. Ive had late payments on loan and its understandable a late fee and of course I have to pay interest but this is ridiculous that almost 2 yrs and Im still at same balance. I feel this is not a fair act of doing business with consumers. And I stress again this is not right for consumers. I tried talking to Santander and the response they gave me is to make payments on time to avoid all the interest getting charge nothing else could be done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: FIRST HORIZON BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened and account with XXXX XXXX XXXX/ First Horizon Bank on XX/XX/2019. The promotional bonus on the advertising card stated that a {$400.00} bonus would be deposited into my checking account within six weeks after the account had been opened for 90 days. I have attached a picture of the advertising card as well as my communications with a representative from the bank. The representative acknowledged that I was due the {$400.00} bonus, but that I should wait until the end of this week to see if it is deposited. It has not been deposited, and we are going on eight weeks after the 90 day opening period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Total Card, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Account number XXXX unverifiable Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking for Upgraded concert tickets so my daughter would be out of the rain for the concert. Many people were selling. I asked the person many questions, they seemed legit i usually feel like paypal is a secure way to go, tickets were going to be given through ticketmaster. Which is a secure site. I sent the money, and the very second i did, the person said not to send it ( even tho they would have already got notified at this point ) and wanted me to send the money through a different app now. Which i asked if they had prevs. And they told me no. They Cont to tell me to send the money NOW! right now! On the other app, i said no, i want a refund or my tickets. They told me to trust them and just do it. I contacted paypal and they told me they received the payment and there was nothing they could do, id have to ask these people for it back which is of course impossible. This all happen XX/XX/XXXX started about XXXX and lasted till about XXXX. I just want my refund. Which i sent {$160.00} dollars, and there was a XXXX fee for my bank to transfer it to these people. I was trying to make sure my daughter wouldnt get sick at a concert she was waiting months for. And i get scammed by who ever this was. Its just wrong. And for paypal not to do anything is unacceptable as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
PayPal Credit sent two separate emails offering terms of 24 months, zero interest for a limited time ( XX/XX/XXXX  -   XXXX   ) on virtually any {$600.00} and up   XXXX   purchase. This was no " participating merchants '' restriction. The buyer 's credit was the main qualifier for this offer. The offer of these terms would only be revealed after committing to a purchase with a merchant. After committing to the purchase, the instructions said that the buyer simply need select the " 24 month easy pay '' option. So.. on the  XX/XX/XXXX , I selected an item for purchase for {$970.00} ( that I only purchased because of the the favorable lending terms ). Being committed to the transition, I selected the'PayPal Credit option, only to find the standard '6 months, no interest ' option. I reversed out of the PayPal selection and tried to find the 24 month option using two other devises and through the 'classic '  XXXX  site. Still ... no 24 month option was shown. I called PayPal Credit to query them on the offer and the terms not being offered on my purchase. I was given lies by the first representative. The second told me that the terms would revert to the more favorable offer after a couple days ... to just complete the purchase under the only option they were showing ... six months. Over the next several days of phone calls to PayPal Credit, I was given more lies and excuses. However they never changed the terms to their email offer and after snail-mail request for review, never corrected it either. This is classic 'BAIT AND SWITCH lending practices. They were made aware that contacting you would be my next step, if they failed to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX, I filed a dispute with this Credit Bureau about theInaccurate reporting of addresses I've never lived at before XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX, AL XXXX and phone numbers that I am not familiar with. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. 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 2019-09-28
Company: Experian Information Solutions Inc.
State: AL
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 am writing this due to non-compliance with ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-25
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital System reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Jefferson Capital System to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Jefferson Capital System to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX  XXXX  In addition Jefferson Capital System or it's subsidiaries are not to contact me in any form about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: CO
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:
In the process of trying to purchase a home. When I received my credit report there are several accounts which are not mine. I've gotten help to get these things removed, in addition to paying for services that have not removed the listed accounts. 

I'll provide details in my attachments.

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 2018-07-09
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
A property that was foreclosed in XX/XX/XXXX is being reported as open and past due through XX/XX/XXXX. The date discrepancy caused a new mortgage underwriting to interpret that the account is still open and in a past due status, instead of closed and a Foreclosed status. I contacted Wells Fargo many times to try to resolve this in a timely manner, before my new mortgage loan approval expired, however I was never allowed to speak to a dispute department. I was given different numbers to fax my dispute to, and could not get a confirmation that they received the fax I sent on XX/XX/XXXX. It has been more than a month and I have had no acknowledgment from the company. At this point, my mortgage loan approval has expired, I lost the house I wanted to purchase, and my credit score has dropped due to the hard inquiry for the mortgage - meaning now, whenever they do update my credit report to reflect the correct dates, I will be less likely to be approved due to now having a lower score. That would not have been an issue if Wells Fargo would have taken corrective steps in a timely manner.

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 2021-09-23
Company: EMCC Holdings, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED XXXX XXXX XXXX XXXX TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: MD
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 tried several times to contact XXXX XXXX XXXX about a fraudulent credit card account on my credit report.
Additionally, I have also contacted the credit reporting agencies to have this information removed. They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card. This account is not mine and I want it removed from my credit report immediately.
Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act. The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2017-08-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage on XXXX XXXX, 2017 fraudulently charged me {$150.00} for two days of 3.8 % interest on a {$48000.00} principal balance. On XXXX XXXX, 2017 I paid Wells Fargo {$310.00} in interest covering the monthly interest cost. So two days of interest on {$48000.00} at 3.8 % a year is {$5.00} a day or about {$10.00}, not the {$150.00} billed by Wells Fargo Home Mortgage. Wells Fargo owes me {$140.00}. Thank you for investigating and helping to resolve. Sincerely, 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 2021-09-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was XXXX in a XXXX suferring with XXXX for first payment i spoke with a live custmer service rep who stated they could not remove the payment status athough thr entire country should not be reporting late payments due to COVID, This one item have dropped my score 50 plus points and i am unable to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CITIBANK, N.A.
State: WI
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:
I previously had my son XXXX XXXX as an authorized user on my Citibank card account ending in XXXX XX/XX/XXXX. Shortly thereafter, i called Citibank card services and cancelled my authorized user, and have never added an authorized user again. This card has not been used since then. On XX/XX/XXXX, this card was stolen and fraudulently used in XXXX XXXX XXXX, for money transfers, cash advances and purchases not made by me nor my son. Apparently whoever stole my son 's wallet, backpack and laptop computer used this card fraudulently. The credit card should have been denied since the authorized user had been cancelled in XXXX, however, for reasons unknown, they accepted this card fraudulent use. I called Citibank and reported the card stolen and fraudulently used. Citibank cancelled this card ending in XXXX and informed me I'm not responsible for the unauthorized fraudulent use. They issued me a new card ending in XXXX. Now, Citibank is charging both of these cards fraudulent charges which include cash advance fees, and interest for about $ XXXXCitibank is trying to get to pay these fraudulent charges twice since they're billing both accounts this same amount, and it keeps getting higher as they add more charges. Citibank added a {$26.00} cash advance fee on XX/XX/XXXX, almost a month after the cash advance was reported as fraud. Please, help me with this dispute. I can provide police reports to the fact that this card was stolen. The casinos should have camera surveillance as to who used that card fraudulently, proving my son and I are telling the truth that we did not use this card in 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 monetary relief