BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
Summary : I believe that Equifax is in violation of Federal consumer financial laws. Please require Equifax to timely provide me with copies of my free annual credit report immediately and annually hereinafter without delay or further harassment. And please require Equifax to allow me to request and receive copies of my free annual credit report online rather than requiring me to send my requests in writing. 

Timeline of Facts : XX/XX/XXXX - I tried to request a copy of my free annual credit report from Equifax online. Equifax refused to provide me with a copy online. Equifax 's automated online response to my request was that I could not request a copy of my free credit report online. Equifax did not provide any specific reason as to why not. It stated that I had to send a hardcopy of my request. 

XX/XX/XXXX - I sent to Equifax another request for a copy of my annual credit report. I used Equifax 's Annual Credit Report Request Form ( hardcopy ). I sent the request form with the requested supporting documentation to Equifax by US Mail to Equifax 's listed address which was XXXX. XXXX XXXX, XXXX, GA XXXX. 

XX/XX/XXXX - Approximately 45 days after my initial request for a copy of my annual credit report, I received a letter from Equifax requesting me to submit yet another request with additional supporting documentation in order for me to obtain a copy of my annual credit report. 

XX/XX/XXXX - I sent to Equifax yet another request for a copy of my annual credit report with the requested supporting documentation. I sent the request by US Postal Service letter to Equifax 's listed address which was a different address than was previously provided to me. Now I was being requested to send it to XXXX. XXXX XXXX, XXXX, GA XXXX. Equifax did not provide me with an answer as to why they changed the address or why I could not obtain a copy of my credit report online or why it did not fulfill my prior request for copies of my credit report. 

XX/XX/XXXX - It's now the XXXX XXXX ( XXXX ) and I am am still sitting here waiting for my a copy of my annual free credit report from last year ( XXXX ). Its been approximately 95 days since my initial request, and approximately 48 days from my last request, and I still have no free annual credit report which, by law, Equifax is required to provide me. Not even a timely response from Equifax. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to speak with XXXX representatives and they refused to remove all negative inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Experian Information Solutions Inc.
State: MA
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 have tried disputing these accounts with Experian since the beginning of last year. I disputed even with the original creditors and for some reason the information was removed from the other two credit reports but not from Experian. They have made it really difficult for me to dispute this information and keep going back and forth with this with no resolution. I do not have the means to hire a lawyer as I am a XXXX XXXX veteran.. The following accounts should not be reporting on my report : XXXX {$520.00}, XXXX XXXX XXXX XXXX  for XXXX XXXX  XXXX  for {$660.00} and 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 explanation
Consumer complaint received 2021-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX - CFPB ID No. XXXX On XX/XX/XXXX, I wrote Barclays, acting as Debt Collector, stating that I have already presented/submitted all documentary evidence to prove that I have not receive the order. Since they charged my credit card for the price of the order amounting to {$71.00} and continue to charge monthly interest thereto, since XX/XX/XXXX, I demanded proof of delivery. 

I am having XXXX  and XXXX XXXX, since XX/XX/XXXX, due Barclay 's refusal to credit my card and stop charging interest, even though the Vendor, XXXX XXXX, can not even produce a semblance of proof of delivery, much more their claimed that I signed delivery receipt on XX/XX/XXXX. 

This is tantamount to violation of Fair Debt Collection Practice Act, for acting as Debt Collector of a Vendor, Staples Direct.

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 2016-07-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was never proved to belong to me, in fact, I believe this debt belonged to my father ( who passed away in XXXX ). I grew up at the address of my parents and we have similar first names, is how I believe the mix up occurred. I still receive mail referring to my military background ( never served ) and to they refer to my elder age ( XXXX - my father 's age ) due to this mix-up. 
Sometime in XXXX, Weltman , Weinberg & Reis began to contact me. I told them over and over again that the debt did not belong to me and they would need to send proof. They would never send any proof of the debt - which I wanted to be the information from the credit card company, not the line item of the debt purchase. It needed to show my name and not my father 's name - because the debt purchase had the incorrect information. I repeatedly told them they needed to provide proof the debt belonged to me or to stop contacting me. At some point they filed a court claim and said they served me at my XXXX address ( I had moved ). They then claimed to have served me at my new temporary address but I had moved again. They proceeded to go to court and because I was not notified, they won the judgement against me. They attempted to garnish my XXXX income tax. In XXXX they garnished my wages. In the span of two months they took {$1400.00}. I wrote them in XXXX XXXX after the garnishment. I reminded them again that the debt was n't mine. Even though they were paid I requested the following proof : Name and address of the person on the original account including date account was opened and last payment date. 
Debt ownership - their proof of owning the account with assigned history. 
Copies of all summons and complaints to show date and proof of addresses served. 
Finally, and most important, since the debt - valid or not - had been paid : an acknowledgment of satisfaction of judgment. 
As they acted in the past, they never responded. 
In XXXX, when applying for a mortgage I was turned down because this debt was still showing on all my credit reports and OPEN AND UNPAID. They cost me the ability to obtain a mortgage as the mortgage company would not take and explanation or check stubs as proof. I also found out at this time they put the debt on my son 's credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CALIBER LOANS have done everything against my wife and I on our mortgage loan with them. I paid them faithfully on XXXX of each month and never missed a payment. I sent them bank statements and supervisor letters from XXXX WHO TRANSFERED ME TO CALIBER. the beneficial letter was proof to CALIBER that I had not missed any payments with XXXX.now CALIBER IS GIVING WRONG INFO TO XXXX my current motgGE CO. AND THEY ARE HARRASSING ME FOR MORE MONEY SINCE caliber DECIDED TO CHANGE THE AMOUNT I OWED TO XXXX. MORE DOLLARS .please I am begging you help my wife and I with these predator companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: MI
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 sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and XXXX XXXX, Equifax ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contract Callers , Inc. reported that I owe {$200.00} to XXXXI called them on about XX/XX/2021 and found out that the Person with the same name as I have, who actually owes the {$200.00}, is located in XXXX. I told them that I never lived in XXXX and that I have always lived in XXXX. 

They gave me the address of the person in XXXX which I can provide to you as well as providing you my address in XXXX. 

They said they would send a " protest form '' to me and I never received it. It has been almost two weeks, plenty if time for it to get to me. The number I called for Contract Callers , Inc is XXXX. 

They asked for my Social Security Number and I said I never give that information over the phone ( fearing Identity theft. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On Saturday morning ( XX/XX/2020 ) i recieved a text notice of suspicious activity on my Wells Fargo debit card. 
Someone had withdrawn XXXX $ from a XXXX located at XXXX XXXX XXXX, XXXX, FL XXXX. 
I called them and notified them that i did not make that purchase and and they said someone must have used a skimmer to steal my information and create a fake card and use it to steal the money and they would take care of it. 
Then earlier today Wednsday XX/XX/2020 instead of rejecting the transaction they approved it and also added a XXXX $ fee for using an out of network atm on top of it. 
I called to ask why and they said they had denied my claim and there was nothing they could do about it and that since a chip was used i must have done it myself and must be lying about it. 
I don't think they put any amount of effort into investigating my claim i think they could care less about their customers. 
I am filing a police report with the XXXX County Sheriff 's Office. 
Any assistance you could give me would be greatly appreciated. 
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 2016-12-29
Company: Caliber Home Loans, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX of XXXX my loan has been transferred to Caliber Home loans. The first month after acquiring my loan Caliber attempted to change my monthly payment. In XXXX of XXXX Caliber sent me a refund check stating that I had overpaid. Soon after that I noticed that they were escrowing my taxes and insurance. Since my retirement I have been paying my own real estate taxes. The insurance has gone through my previous mortgage company but I would rather get my own insurance. All of this was being done despite the fact that my previous lender sent out a letter stating that the terms and agreements in loan would not be changed. Each and every month I sent my mortgage payments to the post office box listed for Caliber and the payments were received on time per my postal delivery confirmation printout. The payment for XXXX XXXX was never sent to my bank. I mailed that payment to Caliber, the same address that I had always used before, on XXXX XXXX by priority mail. I finally received the check back around XXXX XXXX from a different mortgage company that was also in Texas, undoubtedly XXXX that they know. Caliber has charged me about {$420.00} in late fees for XXXX. I know for a fact that it is not possible because I have always sent my payments with delivery confirmation that shows the date in which Caliber received my payment. I believe that this company is attempting to manufacture a default. The late charge is {$25.00} and even if I were late every single month, the most the late charge could be is {$300.00}. This company is now claiming that I owe them over {$9000.00} in fees and payments. I am retired and have always made my mortgage payment every single month. They are trying to steal my property. My XXXX payment was received at their address on XXXX/XXXX/XXXX but the check was n't processed at my bank until XXXX/XXXX/XXXX. They have just sent me a right to cure default letter threatening foreclosure in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 Attempted to temporarily lift a credit freeze from all 3 credit bureaus using their websites in order to allow mortgage lender to check credit. None of them worked in spite of confirmations received that the freeze was lifted. Lender was unable to check credit. 

Calling them is difficult and frustrating. Their verification questions are old and improperly done. For example ; " which of the following was one of your employers? '' My wife and I were XXXX XXXX XXXX  but one of the choices was " XXXX '' which neither a word or an " employer '' so when you answer none of the above the whole online process ends and you have to send a form via snail mail requesting a pin which is returned to you via snail mail. This introduces significant delay and potential increases in loan costs. 

These companies have total control of our lives when it comes to credit. Their systems are archaic, call centers staffed with agents who are difficult to understand and their processes are very inefficient. 

They are not government agencies but they in effect have authority approaching that of the IRS as they can control everyone 's financial life. Far too much power to rest with 3 companies with no recourse to hold them accountable to the people whose lives they affect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
First sent all information to all three credit bureaus in XX/XX/2019 to correct errors on credit reports. Credit reporting companies never fixed problems or gave updated credit reports to me or my wife. Can't correct problems if the credit bureaus don't co-operate with federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
a representative of XXXX XXXX at XXXX XXXX has been making harrassing phone calls to XXXX XXXX regarding my debt. The debt has been charged off by HH Gregg the representative advised XXXX XXXX that HH Gregg is reporting it and so are they. My next step will to seek legal counsel regarding the practices of 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 explanation
Consumer complaint received 2021-01-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Numerous complaints have been filed in reference to two ( 2 ) charges with XXXX XXXX XXXX, a mobile cellular service company. I've got a PLETHORA of documentation, dates and times in reference to two ( 2 ) charges that have been opened, closed, reopened, closed an reopened multiple times due to the timetables set by the internal fraud department at Synchrony Bank, not allowing me to fill out a formal affidavit in a timely manner. 

Just today, I wasted another roughly thirty ( 30 ) minutes of my time in reference to two ( 2 ) charges from XXXX XXXX XXXX that was billed as XXXX on my account, a company I've been personally been investigating for over five ( 5 ) years. 

Unbeknownst to myself, a charge was made on XX/XX/XXXX to open the account for XXXX, as well as XX/XX/XXXX for XXXX with the merchant/bank as XXXX. I've filed NUMEROUS fraud complaints against these charges and as stated above the case was opened and closed multiple times due to paperwork arriving late and Synchrony Bank closing out the case without allowing me to state my case. 

In a document ( coded XXXX ) received electronically via email DATED XX/XX/XXXX a " Claim Review Completed '' document was received that stated - " The Synchrony Fraud Team reviewed your claim and is unable to approve it for the following reason ( s ) : X You authorized, participated in, or benefited from the purchase. 

The documentation I was waiting for to fill in a formal affidavit was coded XXXX XXXX XXXX ( XXXX ), dated XX/XX/XXXX and received AFTER their fifteen ( 15 ) day timetable as referenced in their letter even though the letter explicitly states " Please note : A fraud investigation can take up to 90 days. You will be notified by mail withing 7 to 10 days of the case closure. '' Everything done by Synchrony Bank is FRAUDULENT in nature with the reasoning for the formal complaint as I've spent hours and hours and hours on this to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2021-01-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the credit bureau to ask them to get in contact with a collection agency that was reporting an account on my profile. I asked that they do an investigation to provide me with original documentation that states that this account belonged to me because I do not recognize this account. I also asked experian to provide me with information regarding how they received this information to report on my account and who they spoke to. I received nothing but a verified. It is my understanding that the information must be 100 percent accurate and Its my right to request those things. experian did not prove or provide me any information that connect me to this collection account.

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