BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to unfreeze my minor children 's credit files since XX/XX/XXXX. I originally submitted all the required paperwork in XX/XX/XXXX via fax. I called to check on the status and was told they threw the paperwork away because it was " too light '' ( no one reached out to me to tell me this ). I refaxed the paperwork and mailed a hard copy. I was given a confirmation number over the phone that the freeze was temporarily lifted until XX/XX/XXXX. When we went to the bank to open checking accounts, the bank was told the accounts were still frozen. I called Equifax back and was told that they couldn't find ANY paperwork this time. I sent all the paperwork via fax and mail AGAIN ( this was in XX/XX/XXXX ). Then I was given confirmation numbers that the freezes were permanently lifted. We went back to the bank. We were still unable to open checking accounts because Equifax told the bank the accounts were frozen. I mailed paperwork AGAIN in XX/XX/XXXX. Today, XX/XX/XXXX, I was told they do not see that paperwork anywhere. I was told they can not even access the accounts to see if the freezes are in place or not without the paperwork since the kids are minors. ARE YOU KIDDING ME??? How many times do I need to fax/mail this paperwork with all of my children 's sensitive data?? This is the most inept organization I have ever had to deal with! All I want to do is unfreeze my kids credit long enough for them to be able to open their own bank account. It should NOT be this hard!!!! I had no trouble with the other 2 reporting agencies. Why is Equifax so horrible?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Smith, Cohen & Rosenberg LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collect from SCRSOLUTIONS has repeatedly emailed me about an alledge debt of {$5200.00} owed from a car being towed and stored in XXXX. I was not the vehicle owner in XXXX. I sold the vehicle in XXXX. 
I've went to XXXX in Arizona several times trying to obtain vehicle history information but they wouldn't share the vehicle history with me. The debt collectot sent me a document that stated that I was the tittle holder from XXXX to XXXX yet they are still stating that I am considered the legal owner in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX Ad XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: MJ Altman Companies, Inc.
State: GA
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:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible 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 2022-03-22
Company: CNG HOLDINGS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I lost my job and I had protection on both of my Capital One credit cards. In the meantime, my partner, was the person who always paid my card payments, monthly from HER account. This went on for 4 years approximately. When I was laid off from my job XX/XX/XXXX, I waited the 30 day period Capital One requests before the protection can kick in. When I called they had informed me that I did not have this protection and that it was cancelled XX/XX/XXXX, I advised them I was not the person who cancelled this and that it was possibly my live in partner, who I did not authorize to do so. The woman told me that there was nothing she can do and that I would have to wait for them to pull the tapes and investigate the call. Ironically, I also was informed that this was the same month and year that Capital One stopped offering XXXX XXXX in cases of someone losing a job. I voiced my concern with this, as well as me not authorizing anything to be cancelled and informed her of my partner wrongfully taking my credentials to do things soley because SHE was the one paying for my bills at that time. A few days later I received a phone call and the woman I spoke with rudely told me there was nothing they can do and that the voice tapes states its me who infact cancelled these services and that they were refunded back to my account. I told her I was NOT the one who did this and that I wanted to escalate, she told me that I could not because they pulled tapes. I said well, how do you have proof that it is me? Anyone can call in that is a female, as long as they have the proper information, state they want to do anything to an account. Which is what happened with my ex girlfriend. I told her if I had another females credentials, I also can do the same. Just because someone stated they were me, proceeded to give information, does not mean they are me. I also explained that I found it funny that this was the second time in several years that Capital One had " claimed '' my protection if I became unemployed was " cancelled '' on both cards. This also happened XX/XX/XXXX to me. In which I added it back on and let it go. The woman told me the only thing she can do is adjust the account, which STILL has n't been done, but that is all. She can not help and I am left hanging with payments now behind on both cards due to unemployment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full at the closing of the sale of my home in XXXX 2016. The proceeds were deducted from the sale and delivered to Capital One Bank via the title company attorney that closed the sale. Please review the attached HUD at the foot of page ( XXXX ) were it is stated that a total of {$4900.00} was withheld and further communications with my attorney confirms that the funds were sent and my account balance is now XXXX but this account is still showing as a judgment on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
Charges to my credit card in excess of the available balance are being approved rather than declined. I contacted the bank to see about changing this and seems I can not. There is no charge for going over the limit, but I do not want my account to be able to go over its limit. If the account is over limit during a statement it will get reported and effect my credit score. The account was not always this way and it seems some recent change I dislike but seem to have no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.

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 2016-05-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital One violated the FCRA 623 ( a ) Duty to Provide Accurate Information. Section 623 ( a ) prohibits furnishers from reporting information to a CRA if the furnisher " knows or has reasonable cause to believe that the information is inaccurate. Capital One violated the FCRA : Duty to Correct and Update Information. Capital One violated the FCRA : Duty to Provide Notice of Delinquency of Accounts. 
Capital One reported credit card account XXXX to credit bureaus after receiving written notices of disputes from me directly and disputes that I submitted to credit bureaus regarding this account. However, Capital One violations of the FCRA are denoted on my credit file for its reporting on said account without complete credit history which does not allow for the calculation of when the information will expire also Capital One continuously re-ages this account all in violations of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: SC
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 was recently denied a mortgage loan with XXXX due to credit score inaccuracies.

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 2015-05-22
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am filing a complaint with you because the XXXX Police Dept. advised me to do so. I received a letter from West Asset management today XXXX/XXXX/15 about a XXXX debt I am suppose to owe University XXXX Acct # XXXX. I have no knowledge of this debt. I contacted them by phone today and requested documentation proving I owe the debt and that I would happily pay once proof was received. All I got was that I owed money and that they were going to put in some sort of dispute status. I had been contacted a few months prior to this by this company and had the same conversation, show me some proof that I owe this debt and I will pay. I never heard back again until now. The fact that they seem unwilling to give some sort of proof that I owe this debt sounds real suspicious to me and prompted me to call the XXXX Police. They referred me to you. I have a letter from them here and would like to fax a copy to you, just do n't know where. You can contact me at XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, or text/call XXXX ( leave a message, I work night shift I will get back to you ). Please look into this for me and let me know how I can be of assistance in helping resolve this issue. Like I said before, If I owe this debt then no problem paying it, I just need more than an anonymous phone call, official looking letter head, and a menacing tone of voice to prove that I owe. I am just afraid this might be another scam to pressure me into paying debts I do n't owe. Thank you very much.

Company response to consumer: Closed with explanation