BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: Credit Central Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XX/XX/XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: CITIBANK, N.A.
State: NY
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:
I have a loan with DSNB MACYS and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB MACYS and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.

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 2018-09-12
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was the XXXX XXXX at a company called XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, when I was laid off. In that time, I opened an internet account with XXXX on the company 's behalf ; XXXX XXXX is the account holder and I was listed as the contact person for installation. I was laid off in XX/XX/XXXX and suspended from all of my accounts. XXXX XXXX stopped paying the bill resulting in the bill going to collections. Over the past two months, I have been receiving daily calls from XXXX XXXX at McCarthy, Burgess and Wolf. I notified XXXX, who told me that as the contact person I am not responsible for payment. I also notified the finance department at XXXX XXXX and they paid the bill and closed the account. Despite all of this, I am still receiving daily calls to my personal cell phone from XXXX XXXX. As of today, he contacted my parents. I am being harassed about a bill that has been paid and is not my responsibility to pay.

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 2019-01-08
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:
On XX/XX/2019 I was informed through XXXX XXXX which is who I use to check my credit report that someone checked my credit and a new inquiry was added to my XXXX  and Equifax report. I checked into my credit report and found it was indeed on there and it was a " hard inquiry ''. The inquiry was from XXXX XXXX XXXX  XXXX XXXX. The only address that came up is XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Phone number is XXXX. I called this number and the automated voice wanted an account number or a FULL Social Security number. I tired to get customer service but was unable so I hung up. I did not give any SS #. I DID NOT give permission for this and have not even gone to apply for anything credit wise, so it must be that someone else has my information. I looked into what a hard inquiry is and found it stays on your credit report for two years. This scares me and I will now write a letter to those two credit bureaus and tell them it is an era, but wanted to report it to you also. Please help me make this right. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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:
I opened a capital One credit card around XX/XX/XXXX and used my card until XX/XX/XXXX when I reported it stolen and fraudulent charges. Capital One agreed to close my card and they did. However they continue to report late payments to the credit bureaus even after I filed and sent them and the credit bureaus a police report. To this date the account was closed in XX/XX/XXXX, however every month since XX/XX/XXXX Capital One has reported late payments but have told me Im not liable. Every month the balance increases by nearly {$200.00}. I would like Capital One to report that the balance has been paid in full as they stated previously. XXXX XXXX XXXX Social is XXXX I do not have the card number so I listed my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Jim Bottin Enterprises, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company calls multiple times a week, I owe them a debt. I do not have an active account and I have asked them to stop calling. I do not owe them money. 

Contacted me XX/XX/18, XX/XX/18, and XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX   notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On three separate occasions I have requested documents from my servicer through email. I have requested all original documents pertaining to my loan with my signature on it. Each time that I have requested the documents they acknowledged receipt of the request, but they have not followed up on the request at all. I do have email confirmation of the request and the receipt of the request. The first request was made on XXXX XXXX, 2017 and they acknowledged receipt on the same day. On XXXX XXXX, 2017 they responded and basically said send my loan number, as if they could n't get it from my email address. I sent my loan number back that same day, and have yet to hear from them regarding this issue. On XX/XX/XXXX, I sent another request and told them they had 30 days to comply or tell me they need more time in which they had 60 days. Now here it is the XXXX of XXXX, 2017 and they have yet to respond. PLEASE HELP

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 2021-10-04
Company: Blockchain.com, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I signed up for an account with Blockchain.com on XX/XX/21. Once I signed up for my account I started trading cryptocurrency. I received a payment in XXXX  from my father that was suppose to cover my rent for the following month. This amounted to about {$900.00}. After I started trading I was told I needed to verify my account again. I sent in all the required documents and was told my account should be verified within XXXX hours. Then I was told my account is under manual review which could take up to 5 days. In this time I am locked out of my account. I am not allowed access to my own money which I need desperately. I contact support almost every day offering to send more documents, asking when the issue will be settled and I am always just told to wait longer. At this point it has been almost 2 weeks and money is being held hostage. The website states that the verification process can take up to 5 days. It has been much longer than this and Ive read online people stuck in this process for months. Im afraid this website may be a scam and Ive been defrauded. To this day, when I try to do anything on my account I receive a message telling me my account is not yet verified and to refresh in 5 minutes. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Credit Central Holdings, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, 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: Account information incorrect

Complaint:
Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022. 

I have asked the company to correct these issues. My email and their response is pasted below. 

The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus. 

I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months. 

From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs. 

Please accept our apologies for any inconvenience you've experienced. 

I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.

We report your account status to the credit bureaus every 30 days. 
Please allow up to 45 calendar days for the credit bureaus to update your credit information.

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX  account shows a {$970.00} balance due when the actual balance due is {$0.00}. 

This is negatively affecting my credit utilization rating. 

Please correct this error immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went in to Advance America on XXXX XXXX on XX/XX/2018 to refinance my loan. I was told by a new employee that I had basically no choice but to agree to a new loan that they had started. To pay off my loan in 18 months. I said that's great I'm thinking in my mind oh {$400.00} over 18 months.That would be my payments. It was not explained to me all the interest in the fees and that my loan amount would change. I did not receive the total of loan amount till the end after I had signed everything. she was a new employee I was in this office for 2 hours. At the end of everything she said to me while I'm not going to basically explain everything to you. She was apologizing for everything and then said just initial the papers we'll do this quickly so you can get out of here. I was not given the proper time to look over the papers. Then the woman asked me, would you like to see your payment schedule? That's when I realized the loan went from {$400.00} to {$1000.00} I told them " oh you ripped me off ". I was not notified of the amount till the end. Idid not agree with it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I broke my lease with XXXX at XXXX to move to a better location. The account went into collections and was purchased by Fair Collections and Outsourcing ( FCO ). I paid off the debt directly with XXXX at XXXX, who no longer has any records of the debt. FCO continued to report negatively to the credit bureaus, however, and failed to validate the debt at my request. On XX/XX/2018 I sent FCO a certified letter disputing the account and included a copy of a letter I received from XXXXe at XXXX confirming that they have no records of the debt, but FCO is still reporting the account to XXXX and 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 2018-06-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Already submitted everything! I will keep submitting complaints until this is resolved!!!! I did NOT GO TO THIS ER AND GET THESE SERVICES DONE!!! THE ATTACHMENT I PROVIDED WAS TO SHOW I'VE BEEN DEALING WITH IDENTITY THEFT I WAS NOT " CONFUSED ''. THE ONLY THING CONFUSING IS THAT ITEMIZED BILL THAT SHOWS ABSOLUTELY *NOTHING* TO SHOW THIS WAS ME!!!! BC IT WASNT!!!!!!

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 2018-06-22
Company: EQUIFAX, INC.
State: CO
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:
I have attempted to get connected with the Office of Consumer Affairs with both a CSR and a supervisor to resolve issues with my credit file. Consumer Affairs refuses to take my call and say they can not help.

I pull my report daily and each time I pull the report ( using TrustedID provided by Equifax ), it adds an entry for a soft pull. On two previous occasions, I have been unable to pull my reports and have had to call Equifax. They then connect me with Consumer Affairs to assist me with the issue. Consumer Affairs states that they have to send my file over to internal IT to have the file cleaned up - which takes a couple days. Eventually, I am able to continue pulling my credit report again - after Equifax internal IT has cleaned up the file ( I assume they are removing the soft inquiries manually ).

As mentioned, I have been through this process twice before. Each time, it has been extremely difficult to speak with someone in Consumer Affairs, but eventually I have spoken with someone and they have been able to help. 

This time, however, they will not take my call. The Equifax CSR and her supervisor do not understand what I am asking for and Consumer Affairs rejects the transfer each time. I just want to speak with Consumer Affairs to get my issue resolved. I am sure that after I speak with someone in that group, it will be a very easy conversation. This is much more headache than it needs to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: AR
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:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Experian Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. I've sent Experian Consumer reporting agency several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Experian to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: CL Holdings LLC
State: MT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I was notified by XXXX and XXXX that an account was added to my credit report as " in collection ''. Upon reviewing it, I discovered that XXXX XXXX XXXX had reported an account balance of {$10000.00} that originated with XXXX in XX/XX/XXXX. While it is accurate that I opened a credit account with XXXX in XX/XX/XXXX, in XX/XX/XXXX, I surrendered the vehicle to them under verbal agreement that the account  would be closed due to its poor running condition since the purchase date in XX/XX/XXXX. Unfortunately, I was naive and did not get that statement in writing. In XX/XX/XXXX, 1 month after surrendering the vehicle to XXXX, the credit account was removed from my credit report. Fast forward to XX/XX/XXXX, and it magically appeared as being owned by XXXX XXXX XXXX without me having received any written communication whatsoever from the collection agency. I have disputed this account twice via XXXX  and XXXX 's online systems to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XX/XX/2019 I purchased two tickets from XXXX  against {$200.00} offered on the statemen on credit card # XXXX. Also, purchased the insurance coverage from XXXX XXXX in the amount of {$100.00}. XXXX They debited all the charges from my previous credit card # XXXX When I received the statement of the new cc applied XXXX from XXXX no credit of {$200.00} was applied. Enclosed the similar promotion was offered. I Contacted them, spoke to several employees, in some cases they hanged my call and have no intention to resolve my problem. Finally, one employee told me to dispute the {$200.00} later they sent me the denial letter by mail of the {$200.00}. At the same time, I placed a claim for the lost of my old gold weeding rings in the amount {$850.00} at the XXXX airport. 
After more than 3 months, XXXX is telling me still in process the claim. I provided all the pertaining documents, 8 pages and still waiting from 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