BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: Seattle Service Bureau, Inc
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been receiving phone calls from a debt.collection agency XXXX XXXX XXXX claiming ownership of a bill under my name XXXX XXXX. Per XXXX they are collecting for XXXX XXXX XXXX XXXX  XXXX. XXXX are collecting {$1000.00}. The date of collection from XXXX according to my credit report is XX/XX/2013. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX and were told that they do not send collections to XXXX and they don't know how they got my information. They show a bill owed in the amount of {$470.00}. for services rendered in XX/XX/2013. They said they send collections to XXXX XXXX who I contacted and settled all debts with. They stated they do not sell information to 3rd parties and do not work with XXXX. In addition, I gave my credit card information to XXXX and they are taking payments. At the time, I assumed the bill was a legitimate bill and XXXX was a credible agency. I have been unable to reach them at ( XXXX ) XXXX to stop payments and remove this false information from my credit report. The account number XXXX has assigned to this bogus bill is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
The following account/inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX ; Inquiries : XXXX Inquiry Date XX/XX/2022 and XXXX XXXX Inquiry Date XX/XX/2022

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 2020-06-16
Company: CITIBANK, N.A.
State: AZ
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:
I was charged {$7500.00} on XX/XX/2020 by XXXX XXXX XXXX XXXX. The charge appeared on my Citibank World Elite Mastercard. The Merchant could not deliver the product that was purchased and agreed to initiate a refund. I never received the merchant initiated refund so I initiated a dispute through Citibank 's online portal. 
Citibank 's portal reported an error during the dispute process ( CITI002 error ). I contacted Citibank customer Service through both their chat app and by phone. Each attempt to reverse this charge ended up with Citibank service people unable to help. They reported various reasons- " system upgrade '', " Inability to see data '', and " need for additional information from their system ''. A total of 8 customer service people were contacted- 4 of those resulted in disconnected calls, 3 of them resulted in handing off the problem to someone else and one said to call back " later ''. I spent a total of 2-1/2 hours trying to get someone to help.

I am trying to get this charge rightfully refunded as the goods were never delivered.

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 2017-07-04
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Northeast Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is listing 7 accounts on my credit report and I have no knowledge of this company or alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 
Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My first home -  XXXX  -  XXXX   XXXX   XXXX ,  XXXX  WAS BUY  XXXX   XXXX ,  XXXX  MY My Credit History Length WAS CORRECTLY REPORTED BY   XXXX    but My Credit History Length MY was change in my  XXXX   XXXX  credit report attached SEE BELOW THE DETAIL OF MY FIRST HOME THAT WAS FUNDED THROUGH MORTGAGE Buyer :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX  Seller :  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX   XXXX  Deed Recorded : Book :  XXXX  Page :  XXXX  {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have receive Wells Fargo Bank reply to XXXX XXXX # XXXX, and I am not satisfied with the reply that they have given me at this time. I believe that Wells Fargo bank has not been honest in their reply to the CFPB. They have indicated on the second page of their reply that my income is at the retirement stage, and that is not " TRUE ''. I have a job that I work along with my social security that bring my income up to more then {$65000.00} per year. Well Fargo Bank along with XXXX XXXX XXXX XXXX have done a job on me, since the begin of purchasing my home. Neither Wells Fargo Banks nor XXXX XXXX XXXX XXXX have been honest with me. When I first contacted the reality company, and ask them to setup the financing of my home. I immediately informed them that I wanted a Thirty year fix rate. My credit rating at the time of this Home purchase was more them XXXX XXXX, and I insistent that my contract reflex my wishes, but I find out later that the misdeed had occurred, and Well Fargo Bank indicated that nothing could be done, about this dishonest act. They indicate that I had sign the contract in XXXX of XXXX, and changing my thirty year Fixed rate into a adjustable rate loan after ten years was ahet I would have to live with, so, these are the crooks Wells Fargo Bank, and XXXX XXXX XXXX set this plan in motion, so, that on several occasions XXXX XXXX XXXX has contacted me , about refinancing my home in the last eight years. This was all a scheme set up by both Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX Now after more ten seventeen years. I am face with two dishonest institutions that should continue to be investigated by the XXXX XXXX XXXX. I will " NEVER '' be satisfied with Wells Fargo Bank, and Wells Fargo Home Loan, because of the way these lending institutions function. Nothing has really change with Wells Fargo Bank. I tried to get a refinance last year when the interest rate were at XXXX percentage, and I was denied. I was making more the what Wells Fargo Bank has indicated in their written letter. All of these liars that Well Fargo continue to get away with knowing that I have been paying both the home loan, and the XXXX with XXXX loan ahead of time each month. I would like for the CFPB to include my trouble with this lender in the mediation. 
Thanks 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 2023-09-01
Company: NEW YORK COMMUNITY BANCORP INC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XX/XX/XXXX : Flagstar paid, in error, XXXX XXXX from my escrow account in the amount of {$1400.00}. 
I have never dealt with XXXX, and the policy number Flagstar provided is tied to another person entirely. 

XX/XX/XXXX : XXXX XXXX issued a refund to the policy holder in the amount of {$1400.00}. 

XX/XX/XXXX : XXXX customer/policy holder cashes the check in the amount of {$1400.00} End of XXXX XX/XX/XXXX : XXXX ( My new mortgage servicer ) did an escrow analysis and then reported to me an absurd negative balance. Ive spent, in total, close to XXXX hours on the phone between Flagstar, XXXX, and XXXX figuring out what error was made and trying to get it resolved. Flagstar has given me the run around and has yet to provide any resolution, despite them clearly being at fault. 

XX/XX/XXXX : Flagstar representative told me a refund will be issued from XXXX XXXX and I should coordinate with them. 

XX/XX/XXXX : I contact XXXX in reference to the information Flagstar provided, and they had no record and were not ready to provide a refund.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The XXXX XXXX XXXX XXXXXXXX XXXX credit card company made an agreement and accommodation on my account to waive two late payments for XX/XX/XXXX and XX/XX/XXXX and retract two associated late payment fee amounts of {$40.00} each relating to the two late payments in prior months during the time in which I was in good standing with a 0 balance on XX/XX/XXXX. They did agree to waive these missed payments in good faith due to the circumstances related to covid that caused me to get behind these two times, also considering my record of on time payments for the last 3 years with them. 

After reaching out to them and making them aware of The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), Pub. L. 116-136 ( CARES Act ) and how it addresses accommodations to consumers impacted by COVID-19. I disputed my credit report because they continued to report both months that they accommodated under the status " 1 : 30-59 Days Past Due ''. However section XXXX of the CARES Act, Pub. L. 116-136, states that such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract should be reported as current according to the following : Section 4021 of the CARES Act amends the FCRA to address how furnishers report accounts subject to an accommodation if : ( 1 ) a furnisher makes an accommodation with respect to one or more payments on a credit obligation or account of a consumer, and ( 2 ) the consumer makes the payments or is not required to make one or more payments pursuant to the accommodation. If the credit obligation or account was current before the accommodation, during the accommodation the furnisher must continue to report the credit obligation or account as current. If during the accommodation the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. 

The dispute on my credit report for the reporting status was not handled correctly with Transunion, XXXX, or XXXX and they each continue to report the accommodated months on my credit report for the months of XX/XX/XXXX and XX/XX/XXXX as 30 - 59 days Past due instead of current despite the CARE Act consumer reporting requirements.

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 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My account is closed. It's being reported as open with a balance of {$250.00}. This is not true. Account is paid and supposed to be reported as closed. 
Acct # 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 2022-07-24
Company: BARCLAYS BANK DELAWARE
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:
Barclay 's sent an offer for 0 % balance transfer/cash advance. I initiated {$11000.00} on XX/XX/XXXX. The funds were received with a {$550.00} transaction fee. Shortly after, my card was declined for a purchase. When I logged into my account, I saw that there were 2 transactions for $ XXXX sent. I contacted Barclay 's in early XXXX. They indicated I should see the second $ XXXX I did not request shortly. After calling my bank a few days later, and Barclay 's again, there was no second $ XXXX sent. Barclay 's then admitted they have a known issue duplicating all cash advances, and they were working to resolve. I explained that it put me over my credit limit with the second $ XXXX they show sending me, but did not send. They had no resolution. They advised that they were not going to report the inaccurate balance to the credit bureau ( their reporting date of XX/XX/XXXX ), but I saw my report today and they did. 

They even charged me a second fee of {$550.00} on XXXX, for a transaction they know they did not complete. 

After more than a month, they have not taken any steps to rectify, and they reported known inaccurate data which harmed my credit while I am applying for a car loan, which now negatively effects my credit score and thus my interest rate will be higher. 

Steps I have recommended : - Send me the $ XXXX they charged me for, so I can pay it back to them - Provide a temporary credit on my account of $ XXXX since they know the transaction is their own error ( treat it like a fraud release ) - Fix the error, and set my account right In 33 days, they have not resolved. It has impacted all of my auto payments, and cost me significant time to deal with resetting credit card information, as well as the multiple calls to them to try to resolve to no avail. I filed a fraud claim with Barclay 's, about Barclay 's transaction, but no action has been taken.

I am completely out of options since Barclay 's is not taking this issue seriously, although everyone at Barclay 's is aware of it.

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 2018-11-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 I charged {$5000.00} toward a car at XXXX XXXX. On XX/XX/2018 I had a damage loss for {$490.00} on the same car. I called Citi about the loss and they referred me to the programs department that offers damage guarantees. The programs department would not offer an explanation but denied my claim immediately. They could not explain the program but insisted it wasn't covered. They said I would receive a copy of the program through the online messaging system. I reviewed the messaging the next day and they did not sent any document about the program. They did sent a message on how great the program is for the Citi Card. 

Loss : Vandalism. Broken Window. Police report on file.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
1. XXXX XXXX XXXX opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX  that there was a data breach and my information belonged to this data breach accident. 

3. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX XXXX  was not accepted delete this fraud account with charge-off status. 

4. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in 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 2023-08-29
Company: EQUIFAX, INC.
State: LA
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Experian Information Solutions 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:
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. XXXX and Experian are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. Experian and XXXX reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.

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 2022-07-24
Company: EQUIFAX, INC.
State: CA
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:
the credit bureaus stated my account was properly investigated but how is that possible in the open date is inaccurate, the last date active is inaccurate, the date last reported is not accurate this is grounds for removal they also violated my rights under 15 U.S.C 1861 Section 602A states I have right to privacy 15 U.S.C 1861 section A section 2 also States that a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation