BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: SIERRA PACIFIC MORTGAGE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, we sold our house at the address XXXX XXXX XXXX XXXX XXXX, MA XXXX and paid off the loan. There was an escrow balance of {$2400.00}. There was also interest on escrow of {$10.00}. We received our tax statement this year and both of these say they were refunded, but they never were. I have been trying to get the escrow from Sierra Pacific Mortgage since XX/XX/2020. I emailed, called but keep getting the run-around. We no longer live at the above address, but it was never sent there as we know the current home-owners. We asked Sierra Pacific Mortgage to send it to our new address XXXX XXXX XXXX, XXXX NY XXXX. They changed address to that on file and said they will send it in XX/XX/2020, but they never did. 
Loan details below Account XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXXXXXX XXXX XXXX : Sierra Pacific Mortgage I have attacheed the tax statement Thank you, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, after receiving a call from Amsher Collection Services, I immediately contacted XXXX  for clarity. The XXXX representative assured me that I had no outstanding balances. It raised concerns about the possibility of identity fraud and that an unauthorized purchase might have been made under my name. 

Despite no prior communication from XXXX ( via email, phone call, or regular mail ) about any outstanding {$440.00} balance, on XX/XX/2023, Amsher Collection Services marked a debt against my account. This unforeseen action caused my credit score to drop from the XXXX to plummet by more than XXXX points. 


On XX/XX/2023, I proactively reached out to XXXX and Amsher Collection Services for clarity. Interestingly, Amsher Collection Services shared that they've had other customers voice concerns about potential duplicate accounts with XXXX that resulted in collection charges. Upon connecting with XXXX, they acknowledged a discrepancy : an outstanding balance from my personal account, related to equipment, was never moved to my business account ( and not identified by multiple customer service reps on previous calls ). 

When the discussion shifted to the bill, the manager inquired about a final bill. I always handle my bills online, so any outstanding balance should have been visible there, but it was not. It's worth noting that I updated my address months before moving. And, considering we're talking about XXXX, I'd have expected them, at the very least, to reach out to me on the contact number ( cell phone ) they have on file. 

The XXXX manager stated they were unable to reach out to the collections company on my behalf to resolve the issue. I asked for the dispute department info, legal department info, and a return call from the General Account Supervisor and stated I would contact the executive team to request additional assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MD
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-01-07
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The day XXXX, XXXX, 2021 ; at XXXX, I got a notification from Cash App stating an XXXX  Bill Payment was spent for {$860.00}. As soon as I seen this I reported this fraudulent transaction and later following with deactivating my debit card my card was then charged three more times moments after of disabling my debit card. Since then Ive been trying to sort this out with Cash App and XXXX. Cash App itself has failed to help or even update me on the situation! And XXXX  has turnt me away!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The debt was in the amount of {$870.00} from an incident that occurred in XXXX. I thought I had paid it then, but the company is stating it was not. However, I have not received any phone calls, letters, or messages that this debt was owed until it hit collections on XX/XX/XXXX and negatively impacted my credit score. Five years later is a huge gap in time and they should have reached out to me before it affected my credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XXXX XXXXXXXX  I deposited a Cashier 's check in the amount of {$3000.00} I was told that it would be available the following day being that it was a next day item. I then saw that a hold was place on the deposited cashier 's check until the XXXX of XXXX. I went into my local branch to speak with a manager in regards to this matter ; which he stated he could not remove the hold. I was then giving a number to the back office and fraud department to get this escalated for the hold to be removed. I was told this would take 24-48 hours to get a approval. While on the phone speaking with an associate I asked to speak with a manager or Supervisor. I was questioned to why I wanted and needed to speak with a manager and or supervisor. I then explained that I have been in banking for 4 years and I currently am a XXXXXXXX XXXX XXXX at another financial institution. I then began to explain and question the Reg CC guidelines for next day items ( cashier check ) if a hold were to be place on said item how and when it should have been released. I have been banking with Bank of America since XXXX  and due to the level and lack of customer service I was provided and the nature of which I needed said funds available is the reason I filing this complaint.

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 2023-10-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
During the month of XXXX I accessed XXXX of XXXX available Stand by Cash from Huntington Bank XXXX That is 28 %. However. On the day Huntington reported to the credit bureaus my available credit dropped to XXXX. So Huntington bank reported to the credit bureaus that I used 56 % of XXXX XXXX dollars. But on the day I was granted XXXX line of credit my available credit was XXXX. XXXX immediately dropped by credit score by XXXX points. I believe my credit usage ( also called stand by cash ) should be 28 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
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 ; XXXX and XXXX  are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: SYNCHRONY FINANCIAL
State: CA
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:
There is a derogatory mark for the SYNCB/VENMO  account for the only XXXX on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

XXXX  report display an inconsistency with report. I would like to have this updated.

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 2022-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, 2016 Balance {$0.00}

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 2022-09-16
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened XX/XX/2017 Balance {$100.00}

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 2022-10-04
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
A fraudulent loan was charged to my account at Navy Federal Credit Union.They have been badgering me to pay the loan and have taken funds from my savings and checking accounts.

I received an email from NCCU saying the loan check was on the way. I called the number on the email and said I never authorized it. The representative said she canceled the check and it would not be delivered. 
The loan is still charged to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-19
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ive had my car with American Credit Acceptance as the bank since XXXX I got the loan with and my APR is over 22 %. I am XXXX XXXX XXXX and joined XX/XX/XXXX. XXXXm paying for over two times what the car is actually worth

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: FinCo Services Inc DBA Current
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I woke up on XX/XX/XXXX with a notification from the bank saying my XXXX $ dollar stimulus check has arrived, so I went to check it and all XXXX dollars was gone. I checked my transactions and 6 different transactions were made stealing my XXXX dollars. They started at XXXX. The bank did nothing to stop these transactions. By the time I notified that bank there was nothing they could do the money was already gone. Ive tried to talk to them everyday since then trying to get updates on the investigation and at XXXX XXXX  on XX/XX/2021 I got an email saying investigation is closing they sent me XXXX . Thats all they recovered outta my XXXX dollars that was stolen from me. The bank is call current and they will not give me a reason why they cant refund me the rest of the XXXX that they couldnt protect from getting stolen in the first place. Ive called the police, ive called the fbi, ive filed for identity theft, ive gotten texts from the hackers. I sent the bank all the information I had. And they are refusing to pay me all my money back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.

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 2023-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I ASKED AMERICAN EXPRESS ( AE ) FOR A PLACE TO GIVE INFORMATION ON INVALID EXPENSES ON MY CREDIT CARD. THEY GAVE ME AN INVALID WEB ADDRESS. WHEN I ASKED THE SECOND TIME, THEY GAVE ME ANOTHER INVALID WEB ADDRESS. THE THIRD TIME I REQUESTED THE INFORMATION, I WAS UNABLE TO USE MY LOGON TO GET INTO THE PLACE TO GIVE THE INFORMATION. THIS HAPPENED AGAIN. I WANT TO GET MY BACKGROUND IN THIS COMPLAINT. I HAVE A XXXX XXXX FROM XXXX XXXX XXXX XXXXXXXX AND BECAME A XXXX XXXX AND WORKED ON THE CLASSIFIED XXXX XXXX XXXX. THE REPLY FROM AE CAUSED ME TO NOT TRUST THEM. I STILL DO NOT HAVE A VALID ADDRESS TO GIVE AE THE INFORMATION ON THE INVALID EXPENSES ON MY CREDIT CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-01-07
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account 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 explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Knight Adjustment Bureau
State: UT
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 and Knight Adjustment bureau are reporting the same debt on my credit file. I recently checked my credit and noticed that XXXX XXXX was reporting a balance on an account that they closed and transferred to Knight Adjustment. I was never aware that I had debt with XXXX XXXX and I was never notified that I was being sent to collections. I never received notices from XXXX XXXX or Knight Adjustment before it started to report on my credit. This is in clear violation of my 30 day right to dispute and the FCRA. This account is ALSO double reporting which is another violation under the FCRA. They need to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CitiBank randomly lowered my credit limit, within a few dollars of my current balance, right before my bill was due to generate, which then caused me to be over my credit limit. My credit score took a big hit ( down over XXXX points ) because of the credit limit decrease from {$6400.00} with a balance of {$2700.00} decreased credit limit to {$2700.00}. How is this at all ethical or legal?! I have paid my bill regularly, no missed payments and always make at least the minimum payment due. I can verify/prove that my household income is over {$86000.00} a year, and that while my credit card usage increased on other cards it is due to getting my house ready to sell to purchase a new home which now is at risk due to my credit score dropping over XXXX points!

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