BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-04
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX/XXXX/XXXX, recieved summons in Civil Court stating, I owed XXXX dollars plus interest from XXXX XXXX, Weinberg, Weltman and Reis CO..LPA by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ WEinberg, Weltman and Reis, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX XXXX, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from XXXX ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called Experian and disputed the inaccuarate info. I called credit XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from XXXX. I told her I had never heard of them as well as I had contacted Excperian and this was Identity theft. 
XX/XX/XXXXI contacted XXXX At XXXX he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call WW & R, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX County Court ( Date XX/XX/XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to XXXX, XXXX XXXX Bank and WW & R enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX XXXX stating I am not responsible for any previous or further balance occured on this account ... XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card
Issue: Other

Complaint:
I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application. 

I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages. 

This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: TX
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 XXXX, account opened XX/XX/2017 and Balance {$0.00}. This is a closed account but company is showing late payments and I have never been late on any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XXXX I was told that I was approved for a loan with a XXXX dollar amount loan. Supplied my statements and then was told my income was only XXXX a month in one month and XXXX in another month, and XXXX  in another month. They denied me a loan because they used the lowest month of income and said it must be at least the lowest amount of the three months and it was not enough to get a loan. Advised I did not agree with this and told then it was discriminatory lending against small business owners and independent contractors since I use more than one account for my income. They were not willing to accept the income from all three of my accounts and they denied me a loan. I think this is unfair credit practices and I advised them I was going to file a complaint. The company is Captial One Bank auto navigator.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to open a credit card with XXXX. They were unable to process my application for the credit card because Experian would not release my credit report to them. I went through all the available methods set forth by Experian to ensure that my credit report was unlocked. To be clear, my Experian account online clearly states that my account is unlocked. However, each time a customer service representative from XXXX tried to pull the credit report from Experian, they were unable to do so. We called Experian and their automated phone messages were not helpful in the least. We are unable to get a credit card because Experian is not providing any avenues to rectify this glitch in their system and this is causing a lot of stress. 
If there is any way to get in contact with a human being at Experian who might be able to diagnose the problem and rectify it, it would be greatly appreciated.

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 2016-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a complaint regarding XXXX XXXX disputing a debt. They responded saying that they requested from the XXXX credit bureaus to remove the debt. 
After receiving the response from XXXX, I submitted a complaint regarding Equifax. I received a response from Equifax that listed the wrong Creditor name and account. 

PLEASE SEE TRANSCRIPT FROM EQUIFAX : ***Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed XXXX XXXX XXXX XXXX account number XXXX has been verified as reported with your Name and Current Address to be correct as reported on the credit file. Equifax can not take any further action at this time. Please contact the data furnisher for any additional information. Written confirmation has been mailed to you. *** AS YOU CAN CLEARLY SEE THEY HAVE LISTED THE WRONG CREDITOR ON THE COMMUNICATION ABOVE. WHICH PROVES ONCE AGAIN THIS IS NOT MY DEBT. I NEED THIS REMOVED FROM MY CREDIT! EQUIFAX IS DISGUSTING!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: TN
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:
I filed Federal Trade Commission Identity Theft Report and Experian refuse to remove the information listed on the FTC Report from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My savings account was suddenly closed by Citi bank after I tried to transfer funds from my Citi savings account to another account ( something which I had done in the past, but with smaller amounts ). Without warning or communication, my savings account was closed on XX/XX/2022 for " suspected fraud '' and I was unable to access my money or online account. After calling Citi many times, the representatives told me that my remaining funds ( ~ {$5000.00} ) would be sent to me in the mail in 30-60 business days. After explaining to them that this was not fraud, proving it was my account, and telling them that it was unacceptable that they would hold onto my money for so long ( money which I need for food and groceries ), they said there was nothing more they could do and that I just need to wait the 30-60 business days. Today is XX/XX/2022, well over 60 business days from when Citi closed my account and I still have not received my money. The stress and frustration this situation has caused is immense.

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 2020-05-22
Company: EQUIFAX, INC.
State: TN
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:
Equifax should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. This account is being reported as a duplicate with a higher, incorrect balance. I have attached a copy of the duplicate accounts from my credit report. Please remove this line item. It is a violation of the Fair Credit Reporting Act to not report accurate information. This false reporting of a duplicate account is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Got this XXXX XXXX card for my daughter to use XXXX  vacations and allowances we are going on vacation she has saved money foe months now I'm trying to transfer it from my account to her card what the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
i keep getting constant phone calls from this company : CENTRAL CREDIT SERVICES, FROM PHONE # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed with the medical center rep to pay a set amount to close out my account. I paid that amount and wrote " Paid IN Full '' on the check, just in case. Sure enough despite being promised the account would show paid they then produced XXXX new bills trying to collect on those as well. I spoke to XXXX at the XXXX XXXX office PRIOR to sending in the paid in full payment. She said she had spoken to the Drs and the amount I paid was the total agreed upon. These following charges were described as follow up visits to my single procedure. They lied and I have proof of it in an email from XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-11-03
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the validity of this alleged debt. I am requesting you verify who the original creditor is of this consumer credit transaction. Verify this alleged debt, provide me the consumer with the name and address of the original creditor. Chase auto finance shall cease collection of the debt, or any disputed portion therefore, until the debt collector obtains verification of a debt or a copy of a judgment, or the name and address of the original creditor in a copy of such verification or judgment, or name and address of the original creditor is mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Transunion ignored my direct complaint. In XXXX, XXXX XXXX XXXX was removed from my credit report, only to be reinserted a few months later without my knowledge. The credit reporting agency must notify me in writing of the reinsertion within 5 days based on the requirements of the FCRA. This notification did not occur. I have repeatedly requested proof of the recently validated debt and reinsertion of the debt on multiple direct disputes sent certified mail to Transunion to reference a few from last year and early this year XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX without success. Despite my repeated requests, they have failed to provide me with a copy of any documentation submitted by XXXX XXXX XXXX substantiating their claims. Transunion has not complied with my request for their method of validation, which again is a violation of the FCRA. This item needs to be deleted immediately, Transunion has not acted in good faith for over a year of disputes on this creditor and never provided validation proof nor was the FCRA guidelines followed. This has impacted my score and credibility with creditors, my ability to receive approvals as well as good interest rates were impacted. This also resulted in account closures do to random soft credit pulls, as creditor did not see me liable to continue as a customer. This needs to be deleted immediately!

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 2021-02-23
Company: OneMain Finance Corporation
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: EQUIFAX, INC.
State: CA
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:
My credit is frozen with Equifax and when I attempt to unfreeze my credit they require me to mail them all the documents required to steal my identity to a single and known point of failure. 

I asked and they will not allow me to fax them the documents or email them the documents. 

I refuse to place copies of my Social Security Card, Birth Certificate,  and a bill with my name and address on it into an envelope and mail them to Equifax, particularly to an address where it is known such pieces of mail go to, making it a target for identity thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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: Personal information incorrect

Complaint:
There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.

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 2022-01-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.

Company response to consumer: Closed with explanation