BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During a covid-19 o was laid off I call the company to let them know I wasnt able to make any payment for going hardship situation or national disasters. I spoke to one of the representatives I call a week before I was not be able to make any payment still laid off. Customer service said they will write it in my account and nothing else was told. A month later I got a warning from a XXXX XXXX my late payment and same time my account was closed I call customer service of kayj jewelry and they told me they already closed it and I ask them why when I spoke the last customer service they didnt tell me my account was going to be closed if I didnt make the payment and then few days later account closed. So the account is been closed and they keep Reporting rinsen they account been closed every month hurting my credit score I already spoke to the customer service to see if they could help for me going Trough a hardship financial and no job they did not work with me during my covid -19 disaster. They reporting late payment when I cal a head a time I couldnt make the payment to see they could work with me and nothing has happened. Im reporting them counting reporting in my credit report they just closed this account with late payment when this account has been closed since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
Equifax announced a cyber attack that occurred a couple of months ago. Executives from the company sold stock off outside of the approved window, which would violate SEC sanctions for insider trader. 

However, after checking the website they provided to see if your information is at risk, I 've found that my data was accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.

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 2022-05-26
Company: Bread Financial Holdings, Inc.
State: DC
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:
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
i was told in 2011 by a XXXX Rep that i was not under a Contract with them anymore, so she set up to send me Boxes to put Their Equipment in & they set up a XXXX Installer to come by my Home & pick the Equipment up, he did & put it into their System to prove it. Now here 's where it takes a Twist, XXXX waited 4 years to send me a Bill stating I owed them an Early Cancellation Fee & 2 Months of Service, so while i was on XXXX during this time, I was being Charged for XXXX that i was Told i was Paid up in Full on my Account & i was n't under a Contract. This is Unreal! I called the ERC ( Enhanced Recovery Company , LLC ) & argued this Fact that i was Told totally Different Information then they were Stating, she then said that it Did n't Matter ' I HAD TO PAY or it would Stay Pending on my Credit Report, so I payed the Bill or actually a Settlement of {$270.00} & she said she was going to Contact The Credit Bureau or whomever to have it Deleted from my Credit Report, she said call back in! 0 days. It better be gone quick because that knocked a Hole in my Credit & i was n't even aware of any of this till 4 days ago when i went to my Mailbox & opened this Statement ( Which i will say i do not owe until I 'm pushing up Dirt ), My point being is, How can a Rep tell me I 'm all Good, Send me Boxes for Equipment to be Picked up & then 4 years Later they say i was n't out of the Contract & i was Charged an Early Cancellation Fee ( But They sent me Boxes in 2011 to Pick up Equipment & i did n't owe them XXXX XXXX ) but i was charged for 2 months of Service when the Equipment was in their Warehouse & the XXXX for XXXX was Removed from my House & i was Watching XXXX XXXX, they are Liars, plain & simple. I did n't know what to do so I just Payed the Thief 's!!!!! I have the Confirmation #, showing i Settled with them, but it 's STILL HANGING UP on my Credit & XXXX XXXX are rough, XXXX are really nice, this is just making me look Stupid. If it is n't DELETED as promised from my Credit I might Snap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: U.S. BANCORP
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/2018 I received a call at XXXX XXXX. US Bank called me. I answered the phone the caller stated her name and asked for the name she was calling for. I asked her to identify the name of the company she was calling for. She evaded the question. I informed her per cfpb when you are making an outbound call and the person who answers asks you to identify your company name you are required to do so. She refused. We went in circles for 2m and 32sec all the while her harassing me trying to trick me into stating my name or verify I was who she was calling. I repeatedly told her she was in violation of cfpb and eventually she just hung up on me. I XXXX the number she was calling from and found it to be US Bank I called them and went around and around with them for 26 minutes. They didn't seem to care they were in violation of cfpb requirements. I just called and verified they did not have my number marked as dnc as per my request onXX/XX/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 2016-06-21
Company: HANCOCK WHITNEY BANK
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Please see attached documents. This company refuses to return my phone calls or respond to my letters. I have attached copies of my bank statement showing I was not late. In addition, I have included the fax transmission sheet they requested showing payments made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: PNC Bank N.A.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
With Corona virus I deferred my payments for three month..they are charging me XXXX $ a day ... that's is over a car payment how is that helping through this time ....?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have automatic credit score updates on my credit card account and one day XX/XX/XXXX, this debt appeared from enhanced recovery corp. 
I disputed it with XXXX and they said it will stay due to info they received. Assuming at this point, maybe I would be contacted about this debt I waited a couple months but received no letters or anything else. 

I disputed this again just a XXXX weeks ago and was told by XXXX that my claim is frivolous and it would remain. This time though I received some contact info about this collection agency. 

I have not tried to call them because of all the horror stories on the consumer complaints website. 

It was recommended that I start here first. Can anyone help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I discovered on my credit report Wells Fargo is reported a card opened XXXX XXXX, XXXX, this account closed/charged off on XXXX XXXX, XXXX, noting I made a payment XXXX XXXX,, XXXX, WHICH I DID NOT, and last reporting XXXX XXXX, XXXX. I have been on XXXX since XXXX. I do not even know what this is!! I called Wells Fargo, was transferred to collections, then recovery. NO ONE COULD FIND ME BY MY SOCIAL! I want this removed from my credit report. I do not even know what it is, let alone have made a payment in XXXX XXXX! Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to TransUnion demanding the removal of a record reporting on my consumer report as " XXXX XXXX XXXX Florida ''. According to the USPS, TransUnion received this notice on XX/XX/22. TransUnion completed its investigation stating that it " Verified '' the reporting record as accurate. I did not request for " Validation '' of this record TransUnion. In my letter, I requested the removal of this record from my consumer report because it violated 5 U.S. Code 1681b ( 2 ) with the written instructions of the consumer to whom it relates. I did not give TransUnion or any of its " Public Record Vendors '' permission to obtain or use my " Personal Information '' to report any cases to my consumer report. Therefore, TransUnion has committed " Aggravated Identity Theft '' in accordance with 18 U.S. Code 1028A knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person. I spoke with XXXX XXXX In TransUnion 's legal department at phone number XXXX. She stated that " We are in our legal grounds with your file, I am not sure what you are finding on the internet ''. And that I was more than welcome to file a lawsuit.

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 2015-05-05
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I called Barkley Witt and assoc.on the XXXX initial contact and the collection rep did not disclose the attempt to collect a debit and I called again to get a break down on what was owed and the rep was very rude and hung up in my face before I could give home the reason on my call, I called again and he gave me my balance and did not disclose again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Citizens XXXX Home Loans is not in compliance with the Fair Credit Reporting Act. I have enclose XXXX attachments with XXXX outlining CCO Mortagage ( original creditor ) agreeing to, " waive any possible recourse as to any deficiency on loan '' if I agreed to pay a XXXX time settlement offer of {$6800.00}. ( copy of check enclosed ) The other attachment is from my credit report. Citizens is reporting a XXXX balance and a collection/charge-off. XXXX indicate a recourse as to a deficiency on loan. This is a violation of the agreement enclosed ; Citizens is required by law and agreement to remove any and all derogatory comments from all credit reporting agencies as they constitute a recourse for a creditor to report a deficiency on a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I filed bankruptcy XX/XX/2015 castle payday was included in the bankruptcy and now I have been receiving calls from wanting me to repay the loan I have explained that I have filed chapter XXXX and have given them the case number and the attorney # and have asked not to call the cell my they continue to call

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: ERC
State: GA
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 found a credit report entry earlier this year while attempting to get a mortage. I have no idea what this debt is for and the company has not provided a verification of the debt. At the suggestion of my mortgage officer since the amount was relatively low I offered to pay a settlement in exchange for this debt to be removed from my credit report. I never acknowledged that this was I debt that indeed belonged to me. Enhanced Recovery refuses to admit that they have received written requests for debt validation and ignored them. When I emailed the settlement offer that is when they finally responded saying they would get back to me after they check with their client. THis company is a total scam and has had many complaints submitted against them for their debt collection practices. I am considering taking legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
nothing has been resolved XXXX. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more XXXX. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE XXXX have blocked me from creating a generic security account at XXXX?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!

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 2015-06-24
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company identifying themselves as Enhanced Recovery Company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a 'personal business matter '. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. 

Calls always come while I am at work, wasting my time, and my customers time. 

Calls are coming from the following numbers so far:XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation