BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi bank credit card has an auto pay set up thru them receiving payment from my bank account. I have always set up and requested paper statements on all my credit cards accounts. XXXX XXXX, I was puzzled when I found a XXXX taken out of my bank account and had no way to trace it to the credit card, after calling the bank and doing multiple things, it was citi bank credit card XXXX. Citi card enrolled me on paperless statement and I had no knowledge of this until XXXX XXXX. This account had no interest occurring for a while, like 12 months, inXXXX 2021 interest started. 
I called citi card do on XXXX XXXX, & told them the situation, being taken off paper statements by ( citi ) and citi changed my statements to paperless. I talked to XXXX at citi and told him i would have to go into town and switch money but I would pay this bill off in full, tomorrow, XXXX XXXX, minus the interest. I did pay citi {$6300.00} thru an employee named XXXX. I asked XXXX and XXXX about the interest charge and they couldnt remove it. XXXX XXXX XXXX, the payment has cleared my bank for {$6300.00}, and I called l citi and talked to XXXX  about removing the interest he acted as XXXX was a purchase instead of interest, he put me on hold twice, first time no, then second time he said he would go to higher officials, he came back and said my name and hung up. I called back and asked for him, they had no way to find him, I talked to XXXX ( it started with a XXXX  ) she was a foreigner lady, as I started to explain she hung up too. I feel like they took me! I have never been late on my payment and when interest start accumulating, I pay my bill off in full. 
I just want justice. I did not change my method of billing with my statements, I am older person and always received PAPER STATEMENT. Thank you, 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 2022-04-07
Company: Experian Information Solutions Inc.
State: NC
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 Everything has to be 100 % accurate on my credit report. 

The Credit bureaus have stated my account was a proper investigation but how is that possible if the open dates is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal they have also violated my rights under. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX late payments are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: BC SERVICES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification that a collection was added to my credit report, I login and see a collection from this company for {$4300.00}. I have no idea who this company is or what it's for as I have not received any communication from them nor a notice of right to dispute. 
It also states that this will not fall off until XX/XX/2025 which would imply with in the last year I did something that would cause me to incur a bill, That is 100 % false as I know for a fact I have not. 

The fair credit report requires you to send your rights to dispute, it also requires the information you report to be 100 % accurate and true ; it also must not be reaged! Nor do I have any type of contract with this company.

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 2023-03-07
Company: EQUIFAX, 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:
This is my follow-up complaint with my prior complaint dated XX/XX/2023, I want you to validate this reporting account : XXXX XXXX XXXXXXXX Balance : {$880.00} Please check the payment history, date open, last activity, and Status of the listed account I believe it was reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: Lending Club Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am within the grace period for paying on the Lending Club account which due was XX/XX/XXXX. They started calling my cellphone on XX/XX/XXXX and now my employer everyday since XX/XX/XXXX. I informed them on XX/XX/XXXX that my employer does not want my personal calls coming to the office number of XXXX. Do cease calling this number. They have called the office every day as late as XXXX XXXX  on XX/XX/XXXX. They said, they would remove the number from their list but they haven't. They have my cellphone number to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-01
Company: EQUIFAX, INC.
State: CT
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls threatening if I didnt return the call legal matters will be taken they are trying to collect. XXXX debt stating iowed wells fargo from 2006 wich I've never ever had a bank account with that bank he said I was gon na be taken to court n that they where gon na see if my signature was the same as what they had I went down to a wells fargo branch and explained what was going on they clearly said that was a scam. That they don't do that type of action

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 2023-05-15
Company: EQUIFAX, INC.
State: IL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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 contacted XXXX XXXX XXXX XXXX on several occasions through out the year. beginning in on XX/XX/XXXX XXXX, XXXX XXXX and XX/XX/XXXX XXXX have been given the run around and the inaccuracies still remain on 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 2020-04-15
Company: EQUIFAX, INC.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to buy a house and Equifax has negative info on my Credit Score that should not be there. I have called Equifax 3 times and all 3 times I have been told via an automated system I can not talk to a customer service rep. I called a 4th time somehow i got a customer service rep. and After I verified My ID i was told I cant be helped because I answered something wrong on their automated system. First of all their automated system is terrible barely audible and the security questions had nothing to do with me. I have tried to access my acct on line and requested reset emails approx 20 times including to 2 different emails. This business is impossible to contact via phone, email or a live person. Equifax is the only credit agency doing this to me. The Cares act due to covid 19 suspends all payments and interest to federal student loans until XX/XX/2020. I have have several pieces of correspondence from my student loan provider XXXX stating this. But Equifax keeps showing interest and missed payments and increase in balance which in not correct. this is lowering my credit score weekly and I cant contact these Morons to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Zwicker & Associates refused to accept weekly payments online. They informed me that I will have to call each week to pay my {$20.00}. They have sent me a small claims court date of XX/XX/. I was hoping to pay this before court date. 

WHen I called they said I can't pay any other way except phone in which is very difficult. It is as though they want me to fail. I find this firm deceptive and they do have an online payment center. 

They are refusing this. I would like this firm to be repremanded. 

They are not working with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: GA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that my mortgage company owes me {$870.00}. 

I requested a payoff statement in early XX/XX/2020. I received the payoff statement in mid-XX/XX/2020stating that the mortgage payoff would be {$870.00} if paid by XX/XX/2020. The payoff statement declared that there were only two acceptable payment methods. A direct wire transfer or a cashiers check. I chose a cashiers check which, as instructed, I mailed to : Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX. 
It was sent certified mail on XX/XX/2020 and was received by the above address on XX/XX/2020 according to the USPS. 
When I reviewed my checking account, I noticed that my monthly mortgage payment, of {$1000.00} had been deducted via autopay on XX/XX/2020. 
On XX/XX/2020, I received two checks from Mr. Cooper. One for my remaining escrow account balance of {$710.00}. The second check for the difference of my autopay mortgage payment and the certified check equaling {$170.00}. 
The payoff amount of {$870.00} was deducted from the automatic checking account funds transfer of {$1000.00} not from the cashiers check of {$870.00} that to my understanding was the only acceptable method of payment for a payoff as per their payoff statement, So I believe that the {$870.00} is unaccounted for and is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am submitting this complaint against Capital One Financial Corporation. I recently had an auto loan with capital one that I paid off in full in XXXX of 2021. On my consumer report, it has 10 inaccurate payments listed. These items are inaccurate and the date opened is reported differently across all three credit bureaus Also according to THE LAW USC 1666 it's against the law for creditors to have billing errors on consumer reports. I WAS NEVER LATE ON MY PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
I was selling my home and Wells Fargo without my knowledge did a foreclosure on my home without notification. My agent was surprised that they sold the house.

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 2023-09-20
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this with XXXX over 3 times last time i disputed on XX/XX/23 I sent in all my rental receipts stating t I don't owe the company. This is double jeopardy .them asking me to pay something that was already paid before it even went to collections. The company even cashed the checks and I provided them with the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: VA
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'm sending this complaint to the EQUIFAX Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/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 explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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