BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX XXXX XXXX had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. XXXX, per their attorney Cooling and Winter also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX XXXX credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the Cooling and Winter law office to collect their money and will not deal with the debtor. The Cooling and Winter law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is XXXX XXXX is 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 2023-12-18
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citi Card I recently noticed you are attempting to collect the listed alleged debt.

Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety.

I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies.

You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete.

Sincerely,

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 2023-03-03
Company: Experian Information Solutions Inc.
State: WI
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:
Back in XX/XX/2022, I told the credit bureaus to verify every piece of information on the accounts listed below. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. These accounts are still not showing 100 % accurate and there are many discrepancies. According to the FCRA 15 USC 1681, everything needs to be 100 % accurate, or it must be removed. I have attached my credit report showing the inaccuracies as well. 

Accounts : 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 explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: OH
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:
Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.

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 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was the victim of Identity Theft back in XXXX. An account was opened under my name, DOB, and SSN with Bank of America. I tried to resolve this fraudulent account by submitting an Identity Theft Report with the 3 Credit Bureaus. This account was eventually deleted off my Credit Report, but resurfaced 5 months ago. I have been pushing Bank of America to delete this account, but they keep arguing that no account exists under my name, however, they keep reporting an account under my Social Security Number. In addition, they have submitted a letter to me stating in writing, as quoted In addition, we couldnt identify an account in your name ending in XXXX. This account is the account that continues to be reported to my Social Security Number. I have submitted additional information to them, but continue to receive the same response.

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 2022-03-31
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase on XX/XX/XXXX in the amount of {$170.00} and indicated to charge my XXXX in error which I immediately change to my XXXXXXXX XXXX on file. My confirmation of the purchase indicated the XXXX was to be charged, however both accounts were charged. I disputed the charge on XX/XX/XXXX. I received a letter dated XX/XX/XXXX requesting more information which I sent on XX/XX/XXXX together with a letter outlining what had happened. I then sent a second letter on XX/XX/XXXX and a third letter on XX/XX/XXXX. I also had called several times and was told the dispute was in process but never received anything in writing. I also during this time had another dispute which was resolved quickly however may have led to confusion concerning this dispute. I have requested by XXXX account to be refunded. Order # 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 monetary relief
Consumer complaint received 2022-11-12
Company: January Technologies, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, I received an email communication from January Technologies Inc entitled : " Outstanding Debt Notice for .... '' it contained verbiage, logos, symbols, statement identifying them as a debt collector attempting to collect an alleged debt from me. I have never contracted with this company or its " affiliates. Pursuant to 15 USC 1692K January Technologies Inc is now civilly liable for their abusive and deceptive practices by identifying themselves as trying to collect a debt from me. I immediately responded to their communication with a cease and desist demanding them to cease all communication and collection attempts. I also made them aware that any further communication attempts would be in direct violation of the notice and all applicable laws. After sending said notice, January Technologies Inc. sent me another email communication. The communication again contained verbiage, logos, and symbols identifying them as debt collectors. There was also a signature containing the name " XXXX at XXXX '' a " Solutions Specialist ''. This constitutes harassment and breach of my initial demands listed in the initial cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WI
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 paid the full amount of this account off which was in the amount of {$2700.00} On XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: VA
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 discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX  XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX USDOE/XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/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 2020-08-06
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PNC will not allow XXXX to link to my account. It has worked in the past until they made a change preventing my account to fully sync. This has created a loss in revenue due to XXXX  being an investment account. PNCs action was unapproved by me. I am currently able to have automatic deposits into XXXX, but PNC wont allow roundups, small irregular deposits Into XXXX, to be taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX  Account Name/ XXXX XXXX  Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # XXXX, Has violated my rights. 

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

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 2021-05-24
Company: EQUIFAX, INC.
State: HI
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 was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
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 XX/XX/XXXX there were 3 fraud transactions in my credit card for {$30.00} and {$30.00}. I requested an investigation since these and prior charges were not done by me. I provided evidence the charges were not done by me. While 53rd bank conducted an investigation i continued to get charged fees and late fees on the balance of the account in dispute. XXXX  was afraid these charges were going to escalate so I paid off the entire balance on this credit card while they took their time to resolve the dispute on and on XX/XX/XXXX I requested the card be closed after I paid off the balance to XXXX. and waited to get my refund for the fraud charges. I had to continued to dispute and follow up with the banker at the branch and after so many attempts to talk to the fraud department I have no refund for the fraud charges I paid directly to the credit card from my checking account. Finally on XX/XX/XXXX I received notification that the XXXX and XXXX were credit back to my credit card which was closed on XXXX. When I called dispute depatment I was told i would get a cashiers check XXXX to XXXX business days and I waited XXXX weeks before following up with the banker to make the call for me since I lost confidence in my abilitiy to get help on my own with dispute dept : case number XXXX another case # XXXX. The banker at the local branch was also told the cashiers check was denied without any explanation and the dispute department hung up on him 2 times with me in the office. I dont have access to this credit since the the account is closed. i need my money. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase for XXXX with XXXX XXXX on XX/XX/XXXX. The charge was 18months no interest. The statement states the full balance had to paid in full by XX/XX/XXXX. I made a a payment of {$35.00} on XXXX XXXX and paid the remaining balance of of {$460.00} off on XX/XX/XXXX which bought my balance to XXXX. I made another purchase on XX/XX/XXXX of {$4600.00} XXXX which was 60 months at 14.99 % ). On XX/XX/XXXX I was charged finance charges of {$36.00}. I contacted XXXX and inquired about the finance charges considering I had already paid off the {$500.00} balance and the new charge had not been 30 days. I was told that I did not pay the XXXX off in the grace period therefor the charge was correct. I called in on XX/XX/XXXX and was told the exact same thing. If they are offering a promotional finance and there site state if the promotional balance is not paid in full within the promotional period then all accrued interest will be charged to the account. In my case the balance was paid and I was still charged finance charges. I feel this company is overcharging customers and not following their policies that are posted on their site and billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, XXXX had misapplied payments, not applied payments, not calculated basic accounting practices, and not corrected loan accounting errors when notified. Select Portfolio Servicing XXXX XXXX has predatory loan practices, mortgage abuse, negligent behavior, fraudulent practices, and XXXX behavior. These predatory, abusive, fraudulent and XXXX practices are used to bully people into excessive and higher servicing fees, legal fees, and interest rate costs. See attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a Short sale with Mr Cooper in XX/XX/2020, I have had emails from bank asking me for additional docs that I have provided consistently. I continually get this from the assigned negotiator. ( Hello, Thanks for the document. We have submitted the given documents for underwriting review. I will keep you updated throughout the process ) now I get a letter in the mail stating that I have been denied because of lack of documents sent in but I WAS TOLD EVERYTHING WAS IN. I called in and the bank doesn't even show that I am trying to do a short sale and the only thing they can do is give me an email for XXXX I have sent 3 emails and the bank customer service said they sent emails with me and they also tell me that I will have a response within 24 hrs. Which is a lie. Now I am told that they have shipped out all short sales to XXXX and they have no phone number to reach anyone. What do I do ... I am so frustrated that this is going to go to Foreclosure because the Bank was irresponsible in doing anything to help me try to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo made errors with my COVID-19 mortgage forbearance process and its preventing me from qualifying for a new mortgage. 

On late XX/XX/2020 I requested forbearance on my mortgage. We froze payments as of XXXX. In late XXXX, after missing 3 payments I called and asked to resume payments. The representative told me they will defer the missing payments to the end of the loan and Ill be  able to make payments starting XXXX. To date, XX/XX/XXXX, Wells Fargo has not deferred the missing payments. I called several times to resolve this and the Wells Fargo agents keep providing contradictory information, saying that the loan was never on forbearance ( even though I have letters from them indicating that it was ) The loan now shows delinquent, i made a payment in XXXX that shows that it was applied for XXXX payment. I cant get a new mortgage due to this per the new guideline and now I cant buy a new home because of Wells Fargo.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXXXXXX XXXX XXXXXXXX {$410.00} XXXX   XXXX XXXX {$520.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX {$410.00} DEPT OF ED XXXX XXXX {$82000.00}

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 explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 

I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

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