BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-24
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.

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 2016-09-30
Company: Northstar Location Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A XXXX from North Star Location Services continues to call my personal cell # looking for my daughter XXXX XXXX. He also harasses her along with her father for some unknown debt.

Company response to consumer: Closed
Consumer complaint received 2017-03-28
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am attempting to refinance my mortgage to payoff some debt. Title company and new mortgage broker have requested that CARRINGTON resolve lien on file related to prior mortgage company XXXX ( bankrupt ) which should have been resolved in XX/XX/2015 with my county. Requests make by phone and email. CARRINGTON not responding in a timely manner which has delayed my refinance now 39 days. This is jeopardizing my refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  continues to report the account XXXX XXXX  on my credit report for 4 different accounts when the original account is older than 7 years. The account is too old to be reported as it was first noted as delinquent in XXXX. The account was also included in a Chapter XXXX Bankruptcy in XXXX. As a result of the Bankruptcy and the age of the account it should not still be included in bankruptcy.

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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is concerning XXXX Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX called me  to inform me of the fraud and told me they would close the card as they did and I agreed. Transunion & XXXX refuse to remove from my credit history after they been shown the information as FRAUD

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 2019-02-20
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Number calls continuously, sometimes as many as 4-5x a day. They call and if picked up refuse to acknowledge. They refuse to identify who they are and why they are calling. Skip trace of the number indicates it belongs to a United Collection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Bread Financial Holdings, Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
DATES : CURRENTLY Comenity Bank did the financing for a retailer called XXXX XXXX XXXX. A couple of years ago, we all got letters stating they were no longer doing the financing and all of the accounts would be closed. We could still make payments on line, until last month. 

Supposedly they did some kind of update and now no one can access their on line accounts open or closed. They claim : We apologize you are unable to login at this time. Were working diligently to restore all customer service capabilities. This has been going on for at least 2 months. I was able to successfully make a payment by phone using their automated system last month, but apparently there are many who can not even do that. 

The bottom line is that they screwed this up and seem to be in no rush to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I dispute all my.medical with XXXX  that are on my credit report because my insurance has paid it. I get a notification with in a day of the results. You can possibly tell me that with all the disputes XXXX gets, it only takes them from 4hr to 1 day to get results. I would like proof that XXXX  has actually looked in to my discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Good afternoon, I have already solved my problem, but I need to alert you of improper marketing and misleading website by Experian. 
I had to unfreeze my credit reports recently and two things Experian did were shady : 1- Their web interface for " scheduling a temporary thaw '' of the report did not work. The frames for picking a calendar date did not load, and so I had to simply unfreeze the report wholesale for a few hours. 
2- Upon returning to their website to re-freeze the report, I could not find the right button to re-freeze my report. They do not have the freeze/unfreeze tool easily accessible on the website through the main account workflow. They MUST be required to have this, as it is required by law, but instead it required searching on 3rd party websites to find their freeze/unfreeze section which I had to sign in separately for. 
Instead, they tried to up-sell me on paid products called " credit lock '' which appear to impersonate the credit freeze. 

I am astounded that this level of shady behavior is allowed by a major credit reporting company over which you are supposed to have jurisdiction. I am a XXXX XXXX professional with a XXXX XXXX, and it took me over half an hour to figure out how to avoid paying hundreds of dollars/year for a " credit lock '' instead of the " credit freeze '' that I am entitled to by law. This simply can not be allowed. 

Please do not let them get away with the scam, take care, -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 non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: LA
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:
Someone stole my identity and opened up a joint account in my name.

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 2015-03-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have never had any XXXX with the IRS or the state and this info shows up on my credit report. I have contacted both the IRS and state and they have no record of me owing a XXXX. this info. is possibly fraudulent and does not belong to me as I can recall. I need for someone to look into this misrepresentation of facts on my report and have it removed ASAP. Also, they are past the 7 year time frame an item can stay on your report and need for it to be removed. 

Can someone please look into this have it corrected and send me an updated credit report. Also, the reporting bureau should be fined for placing inaccurate info on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2015 I submitted written request to close my Citibank , N.A . Checking, Checking Plus and Money Market Accounts. The accounts had XXXX balances. In XX/XX/XXXX I sent a follow-up letter as I kept receiving statements. No response was received. In XX/XX/XXXX I received a threatening Citi ( XXXX ). I responded stating the a/c was closed, asking them to correct their records. In XX/XX/XXXX I received a Citi ( XXXX ) threat letter aimed at collecting debt! This debt more than likely represents rapacious fees imposed after the account should have been closed -- with interest and late fees tacked on, I am sure! This letter asked me to call, and did not advise that I would be waiving some of my consumer rights by doing so. I responded in writing pointing out the account was closed. A few days later, a threat letter specifying over {$600.00} was unpaid and overdue, was received under the same Citi ( XXXX ) name. I am sending a response in writing again. 
This is harassment at this point. Citi has ignored my instructions to close this account, which had no balances or overdrafts. Citi has not responded to my written requests to close this account and provide status. I had accounts here for 25 years. How deceitful and dishonest Citi has become, with low customer service standards. There is not one shred of decent customer service on display here.This company is clearly out of control. It is not observing basic consumer law. I need help dealing with this arrogant, out-of-control bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I want to see if I can open an account with chase bank Chase bank decided to end up business relationship with me even though I have never had an account with Chase before I had three fraudulent chase accounts which were open under my name I recorded the incident to Chase and I reported the Incident to the federal trade commission Chase investigated the claim and found the claim in my favor So I want to see if now I am able to banquet Chase because this would be my first bank account with Chase and I want to bank with the best bank in the United States

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & 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 non-monetary relief
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX of 2016, my wife and I notice fraudulent activity on our Macy 's store credit card statement. We notified Macy 's of the activity immediately. They referred the case to the fraud department, determined that the activity was fraudulent, zeroed out the balance and closed the account ... or so I thought. Macy 's opened a new account without my consent. Now months later, the old fraudulent charges showed up on the new account that I did n't know was even open. I 've called Macy 's Customer Service and am on the phone with the fraud department again. The gentlemen has reopened the previous claim, and just told me that I have an active account with Macy 's even though I specifically requested closure of the account in XXXX and desired to no longer have a Macy 's account. Macy 's collection agency has called wanting me to pay off a cleared fraudulent charge and lots of penalties and late fees. I believe the fact that an account was opened in my name, without my consent or knowlege is illegal. I would like these accounts closed and I would like to have Macy 's reprimanded for these activities.

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
Consumer complaint received 2022-07-24
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: Account information incorrect

Complaint:
A person who pays off their credit cards in full every month and does not carry any balances is a much better credit risk than a person who does not have enough money to pay off their credit card balances. 
Here is the problem. Many people use their credit cards for everything they can, say for airline points or convenience. They get their credit card statement and pay the balance in full every month. Or they set up full balance automatic payments. You would think they would be a low credit risk and have a high score. Most of them do have a good credit score but it is lower than it should be. 
This is because the credit card companies report the balance at the end of the billing cycle to the credit bureaus. If you had a {$1000.00} balance on your statement and paid it in full the day after your statement cycle closed and then had a {$0.00} balance, you are scored the same as if you were carrying a {$1000.00} balance from cycle to cycle and paying interest. 
On the other hand, if you check and pay your balance online two or three days before the statement closing date ( not the payment due date ), your balance will be reported as {$0.00} and your credit utilization ratio will be very low and your credit score will be higher. 
I have tested this on my own and found that my score was as much as 15 to 20 points higher.

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 2015-05-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I banked at XXXX for a long time. I had a stellar rating with them. I made a deposit through the ATM and they said it was empty. After asking them to run the security camera 's and verify I did make the deposit and it was a bank error, I had the check writer cancel the original check, write another one, and within days my account was positive again. I was able to resume using my checking account and the bank employee told me " this happens all the time ''. My account was not closed and my rating was still high with the bank. A couple of days after this, I deposited a {$97000.00} check and they allowed me to draw {$3000.00} off of it right away because of my account history and tenure. The next day my account was XXXX out and the " fraud department was looking into it ''. The next day I was told the check was cleared and verified ( Life insurance check as my mother had passed away ), but they handed me a cashier check for the balance and said " XXXX has decided to no longer do business of any kind with you ''. I have since learned they are reporting me to Chexsystems for " ATM abuse and Fraud ''. I was never charged with any fraud, nor did I commit fraud. They continued to let me use my account after the ATM incident, and my account status was not changed. It was the {$97000.00} check that flagged them and even though the check was good, they are still reporting me as " Fraud '' on XXXX. I would like this item removed as I work in the Finance field and any reporting of fraud will indefinitely disqualify me from employment in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX reached out to me in the fall of XXXX indicating that I owed this debt of XXXX. The address they gave me for the notices and billing was not my address and I indicated this. They stated that I needed to prove my identity to prove to them this was not mine. I indicated that that was not correct and they need to prove to ME it was mine. I spoke to XXXX again in XXXX as I was preparing to buy a house and they indicated that they had no record of the debt. I am enclosing a letter that the have sent to the collection agency again indicating that this is not my debt and requesting that it be removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent an Affidavit of Identity Theft to Trans Union and it was received by Trans Union on XXXX/XXXX/2015. After the agency received documentation, I never received an investigation status or result. Additionally, Trans Union did not respond to the request but XXXX and XXXX did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on the sale of my home on XX/XX/XXXX. Subsequently I called to give Roundpoint my new address so my escrow refund would be mailed to my new address. On XX/XX/XXXX I received my Customer Account Activity Statement addressed to my old address and called. It was dated XX/XX/XXXX and showed my escrow account was refunded XX/XX/XXXX. But the CSR told us it was mailed XX/XX/XXXX! I was repeatedly told they would not stop payment and reissue until 10 days after the check was issued. On XX/XX/XXXX I spoke with XXXX who said the check was issued XX/XX/XXXX! She promised to stop payment and have it reissued through the Cashiers Dept and would call us by XX/XX/XXXX. On XX/XX/XXXX I had to call her as I had heard nothing. I waited on the phone for close to 45 minutes for her to pick up my call. She agreed to stop payment, let her Cashiers Dept know I wanted the check sent overnight, and call me on XX/XX/XXXX. She did n't call. I called her today, XX/XX/XXXX, and waited 1.25 hours for her to take my call. She then informed me a check was MAILED XX/XX/XXXX because she did n't get with the Cashiers Dept quickly enough to have it sent overnight. So, now I 'm to wait another 10 business days to see if my check is received. It 's my understanding that escrow refunds are to be received within 30 days of the escrow account being closed. That did not happen. I also have a witness that heard both sides of the conversations because I had all calls on speaker phone.

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