BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-24
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am XXXX and have been on a fixed income for the last few years whole I'm waiting to have my last XXXX XXXX done that will help improve my quality of life and hopefully allow me to go back to work. However, as of right now I have lost my place to live, so I am XXXX and I haven't eaten in 2 days. Why? Because on XX/XX/XXXX and XX/XX/XXXX there were several unauthorized transactions that occurred from 2 different hotels, a XXXX transaction, and a merchant called XXXX which I found out is an online auction site. These charges totalled {$570.00}, which is almost half of what I receive to live on each month all month long. I contacted XXXX XXXX ( XXXX XXXX ) and they said I needed to fill out their fraud questionnaire and send it back within 10 business days to receive provisional credit if the investigation wasn't complete. I received the paperwork on the XX/XX/XXXX and faxed the paperwork immediately the same day. I also faxed it again on the XX/XX/XXXX and again on the XX/XX/XXXX because each time I called to check the status of my paperwork they kept telling me they had not received it and just to re fax it and once it was received, my account would be credited. It was not until this afternoon of the XX/XX/XXXX I finally got to speak to a supervisor who advised me they still had not received my fax and because it was not within 10 days I would not be receiving a provisional credit. I explained I've been waiting on this for almost 3 weeks already, I've faxed the paperwork 3 times and the first 2 times within the 10 business day time frame so how can they deny me money that was wrong fully taken from me and is rightfully owed to me? I am attaching proof of the facsimile transmission that shows I indeed faxed the paperwork when I said I did and I am going to mail the paperwork in as well but I can't even afford to feed myself, much less stamps and envelopes. Ive lost so much because of this, and all I want is to try and get my life back to normal and get what's rightfully owed to me. It's not fair that I should be punished because this financial institutions employees aren't doing their jobs and making sure my paperwork was processed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Nationwide Recovery Systems, Ltd
State: TN
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 sent a notarized letter to Nationwide Recovery Systems on XX/XX/2022. It was a letter requesting validation of the debt. I called XX/XX/2022 to verify the letter was received, they said it was and insisted that they would send a validation of the debts ( XXXX accounts XXXX and XXXX ). As of XX/XX/2022, there have been no validation of debt correspondence for either accounts. They knew they had 30 days to respond per the letter. They took the accounts off my credit report but I am filing a complaint due to no response from the agency and no call back or email that the debts have been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an XXXX XXXX, where my job was affected by COVID-19. I am a veteran, and I could apply for forbearance on my home due to COVID-19. Once accepting the forbearance agreement, I was told that the payments could be placed at the end of my loan or continuation of the payment suspension. I was told you could not get the forbearance due to COID-19 unless your payments were current. I bought my account up to date before agreeing. The 1st letter I received advised me to move the payments to the back of my loan. On XX/XX/2020, I called Wells Fargo and spoke with a mortgage agent to see what my options were as I was getting ready to come out of the forbearance agreement on XX/XX/2020. The Wells Fargo rep advised me that the missed payments could be placed at the end of my loan. I called Wells Fargo again in XXXX as I could extend the forbearance agreement 3 more months and was told I could not move the payments to the end of my loan due to not being current as of XX/XX/2020. The VA changed this. When I asked when the VA made this change, they could not tell me and would have to locate the information and mail it to me. They advised me that due to the Wells Fargo rep providing incorrect information, they could not help me move my payments to the end of the loan. They could only reprimand the rep, and I would have to speak with another department to look at payment options. The VA told me to try to work it out with Wells Fargo. I was never advised when the option to place my owed payments at the end of the loan was no longer available.

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 2019-03-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter on or about XX/XX/2017 from Resurgent Capital Services whom was collecting on behalf of LVNV Funding LLC a debt buyer. A validation of debt was mailed on XX/XX/2017 and received on XX/XX/2017 requesting a validation of debt that included that agency provide the following : original signed contract to verify my signature notice of the right to collect on the debt amount of the debt amount paid if debt purchased original creditor address of original creditor The only information that was provided to me was a print out from the collection agency system that says Account Summary. Written request was sent multiple times requesting the above following information without any response. The collection agency LVN Funding continues to report to the credit bureaus and a dispute has been sent to the credit bureaus with a notification of validation of debt verified. Letters were sent with copies of the Print out sent by the collection agency nothing from the original creditors but the agencies fail to remove the negative incorrect unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CL Holdings LLC
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 status incorrect

Complaint:
There are a number of things on my report 1 XXXX XXXX XXXX XXXX isnt mine at all 2 there are two XXXX i dont know what that is not mine i need my repor updated and the items that should come get it off of there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: GA
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 AND EXPERIAN is in contempt of fixing my credit report. fraud accounts. block all of the accounts listed below : Original Creditor Name : XXXX XXXX Opened XX/XX/XXXX ( 2 mos ) Account status Open Original Creditor Name : XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) Account status Open Inquiry details XXXX - XXXX XXXX from XX/XX/XXXX + Telephone Companies XXXX - XXXX XXXX from XX/XX/XXXX XXXX Telephone Companies because these are the accounts and inquiry that needs to blocked permanently from my credit report. BLOCK THESE ACCOUNTS THIS ACCOUNT IS UNVERIFIABLE AND HAS NO VALID EVIDENCE TO MAINTAIN THIS FICTITIOUS CLAIM.

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 2021-08-11
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. Discover FIN SVCS XXXX account opens on XX/XX/2021 with the balance of XXXX 2 XXXX XXXX account opens on XX/XX/2021 with the balance of XXXX I have no knowledge about these 2 accounts. 
I do not have the full statement of these accounts. These are all information I have from XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I applied to get an Equifax Credit Score check report. I submitted all my details and authentication questions. I understood my credit card would be charged but as I clicked submit I got an error message saying my process could not be done from Equifax side. I assumed since they could not provide my report that my credit card would not have been charge, yet it was. {$23.00}. When I try log in, it says my account needs to be reauthenicated and I And purchase this service. I have paid {$2300.00} for nothing from Equifax and i need my credit score report for a rental application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-10
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was looking at my credit report on XXXX  XXXX and there is a new collection from afni that said the original creditor was XXXX XXXX. I tried to call XXXX XXXX  and they say they dont have a record of the debt. The last time I had XXXX XXXX as a tv provider was XXXX of 2018 and my account was canceled and paid in full to change providers. This is the first time I have heard of me owing money to XXXX XXXX The collection says its for {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent Equifax a statement advising regarding Reinvestigating my complaint regarding account XXXX # : XXXX, I rcvd an updated response advising my consumer file had been updated and verified. This is not validation of debt, I am requesting XXXX provide XXXX Notice for validation of debts. 
1. Validation of debt including the actual accounting 2. Verification of a debt claim against me with a sworn affidavit or signed invoice 3. A Copy of the Contract binding both parties.

I would be happy to pay any financial obligation I might lawfully owe as soon as I received these documents.

If these documents can not be provided, Immediately remove and send my updated consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Comenity Bank charged me for an item I never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America has reported me late to the credit bureaus on a Home Equity Line of Credit. I contacted BofA and asked for the reporting be corrected. I work in a XXXX XXXX. For some reason BofA was not including the XXXX  number on the monthly statement. I have other account with BofA, business & personal checking, these statement does include my XXXX number in the address. 
I contacted BofA and requested a correction to my credit report. BofA told me I needed to file a dispute with the 3 credit bureaus. I filed a dispute and included copies of the monthly statement with the insufficient address. I later received a letter stating, information reported is accurate from the bureaus. 
According to the Fair Credit Reporting Act, It is the creditor responsibility to make sure they have the correct address for the consumer. This reporting should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HAPPY SATURDAY! - : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2023-05-24
Company: Albert Corporation
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried for several months to explain to Albert Genius that I can not close my account. They advised that I needed to completely withdraw funds from my account. I no longer have the account with chase that was originally linked. I linked my new bank account but it will not allow me to transfer. I have contacted them and they are unwilling to help. I have asked them to close this 4 months in a row and they continue to hold my funds and also charge me a monthly fee of XXXX dollars. I would honestly like this to be closed and my XXXX dollars refunded for the months that I have been trying to close this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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 XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXXXXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : 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 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed that XXXX XXXX was first an inaccurate account. It was collection purchased from capital one that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Southwest Credit Systems, L.P.
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Ameritech Financial
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX this company contact me as a service provider for federal repayment loans. They presented themselves as an agency that works for/with the government to initiate a payment plan for student debt. A month later I received a notification that my extension for payment ( s ) was being revised. I called the company and requested the immediate cancelation for their services. That phone call went to three different phone specialist to try to convince me to stay. The last specialist appeared to be their last chance to convince me otherwise but I was very clear that if I wanted an extension I would ( XXXX ) file myself and I sure as XXXX would not be paying {$200.00} a month, every month. That is just ridiculous. Services were canceled XX/XX/XXXX and I did give them two payments of {$200.00} a month. Money was not reimbursed. I was contact XX/XX/XXXX by the FTC to warn me of this company. XX/XX/XXXX, Ameritech also contact me via mail to be contact.

Company response to consumer: Untimely response
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to Experian regarding some disputes of information that is incorrect on my report. On XX/XX/XXXX or XXXX the letter was received by Experian - as highlighted on the return receipt for my certified mailing. 

I contact three different representatives on XX/XX/2020. According to the representative in the Mixed department - Experian did not receive my information and wants me to start the process over. 

The company clearly received my mailing. Under the Fair Credit Reporting Act the company is limited in the time to respond. It is incredibly frustrating that this company has chosen to delay the process and wants me to start over when I did my due diligence in mailing the information to 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