BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Request for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.

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 2023-09-28
Company: Duvera Billing Services, LLC
State: NV
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 have requested XXXX XXXX to send me a copy of a master bill for this alleged debt that is reporting on my credit report. 

A purchase agreement Also, a signature showing I signed for this alleged debt. I have also request for the company a copy of your state license, including license number that give you rights to collect in my state. 

This company has failed to send any of my requested information causing me bad financial hardship on my credit report. 

XXXX/DVRA account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting 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:
These inquires have been added to my credit report without my authorization Wells Fargo Dealer S, 2022 I disputed them and they remained 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: NY
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2020-02-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received this debt in XXXX alleging I owe the company {$1000.00}. I asked for proof on XX/XX/20 of what I owed to them and they only sent me proof indicated I owed {$190.00} on XX/XX/20. Since then I have mailed them for the additional amounts to be verified and they have not responded to me and they are still reporting that I owe them {$1000.00} to the credit companies. They are violating the Fair Debt Collections act by not removing these charges from my credit before verifying the amount I owe to them. On XX/XX/2020 I attempted to contact them and they advised that my account was restricted and that I needed to email someone else at the company in order for them to give me any info or try to settle anything with me. I asked if they were refusing to settle the debt since I was ready to make a payment on what I owed and they only told me that I had to email someone in order to get any info or to move forward. They did not answer any other question I had and they only danced around the info I requested. The 1st time I tried to email this company the email would not go through and my email service kicked my email back advising that they could not connect my message to their email server.

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 2019-02-06
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They kept calling both of my numbers after I informed them that I was not allowed to talk at work she did replied that I answer the phone so I must can talk there is no reason they should keep calling back to back and calling from private numbers back to back this is absolutely ridiculous XXXX XXXX need a new bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: FL
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, Huntington Bank offered a promo that if put in a direct monthly deposit into a checking acct with them and maintained it for at least 90 days they would pay me {$400.00} as part of an advertising promotion. I went in and spoke with the mgr at a local branch office ( on XXXX XXXX in XXXX XXXX, MI XXXX ) and we set up a checking acct and I then arranged for my monthly social security check to be deposited in their bank per the terms of their promotion. As it has now been 5 mths of direct deposits, I received an email from Huntington telling me I had earned my reward and was advised to come into the branch. On approx. XX/XX/XXXX, I went into the same branch where I set up my acct and spoke to the same mgr. regarding the {$400.00} promotion reward that I was expecting. He asked me where was the code and I told him that a code was never mentioned at the time the checking acct was set up and that he and I both agreed that if I met the terms the {$400.00} promo reward would be mine. The mgr then said he would call me and it has been almost a month and he has not called me. In the interim, I have spoke to two Huntington supervisors ( XXXX & XXXX and an Escalation Agent XXXX ) and I am still waiting for a contact from Huntington Bank regarding this matter. Someone name XXXX called me regarding this matter, but I don't know if he was from Huntington or the XXXX where I also filed a complaint and XXXX has not yet returned my call in response to his voicemail. 
I want my {$400.00} reward as I have complied with my end of our contract. Moreover, I now have a witness who experience the same fiasco when she accepted the same promo for a CD deposit and then had to fight with Huntington Bank to get her reward. I sincerely hope your intervention will help as my next step will be small claims court where I will subpoena the promo advertising details publicly advertised by Huntington Bank in my area back in XXXX XXXX and take that along with my witness and we will let the magistrate evaluate this breach of contract.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was attempting to lift an Equifax credit freeze that was necessary for a time-sensitive mortgage refinance. I had my PIN number and all other relevant information, but was never asked for any of it. Instead I was asked to send physical copies of documents, including social security card and passport, to a PO Box in Georgia. While I am fairly certain I dialed the correct phone number for Equifax, the whole experience was suspicious. I was clearly connected with a foreign call center and I'm pretty sure I was not talking to a person likely to be named " XXXX ''. How do I know if this PO Box is even legitimate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Credit Technologies, 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: Account information incorrect

Complaint:
Several Items reporting inaccurately. XXXX XXXX  account paid as agreedXXXX XXXX paid as agreedSBA paid as agreedXXXX XXXX XXXX exceed the 7 year reportingXXXX  exceed 7 year reportingXXXX XXXX  exceed 7 yearsXXXX XXXX exceed 7 XXXX XXXX exceed 7XXXX account exceed 7 XXXX XXXX exceed 7

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a senior citizen and I have steered clear of opening credit account for the last 10 years So each of the outdated adverse accounts are a hindering from enjoying my golden years. 

XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX Past 7 XXXX XXXX XXXX Past 7 XXXX XXXX Past 7

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: AmeriHome Mortgage Company, LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I had requested help regarding my mortgage that I had with AmeriHome mortgage and they were very. Unclear regarding the forbarence agreement and the terms behind it. So when I had very little time to communicate regarding the HAF assistance that I was approved for they claimed that I denied the assistance and did not apply it to my account knowing that I was in need of help financially. Then they had posted a sheriff sale and by that time I was unable to provide the information I needed to them in order for the sale to be post-poned. So then by that time I was very uneducated and unaware for what needed to be done in order for my mortgage not to be deferred.

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 2021-08-19
Company: Experian Information Solutions Inc.
State: NC
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:
under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for meXXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not 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 explanation
Consumer complaint received 2023-09-25
Company: CBC Companies, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX XXXX XXXX  I Account Number : XXXX XXXX Name : XXXX  Account Number : 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. 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 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 2023-09-23
Company: SecureNet Loan Services LLC
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 reached out to XXXX XXXX at securenet loan services and asked him to update my credit report with accurate information. Because at the time and asked him to update my credit report with accurate information. Because at the time my mortgage was showing on my report as open, but it hadnt been reported as paid since XX/XX/2023. I had several phone calls and emails with him to fix the problem of it not being reported. Then his company reported my account has been closed. My score on my credit report decreased substantially by over 30 points. I have given them almost 2 months to fix and resolve. The problem on my credit reporting my mortgage is closed. They have reported my mortgage as being opened again, but the closed report is still reflecting on my account. My score is still down because the closed report is on there. They are also only reporting to one credit bureau, which is a XXXX. They are not reporting account XXXX XXXX, or to XXXX. They have given me all my documents showing that my mortgage has been paid and has been open since it started. I had requested the company. Send me my total payment history, any proof of any reports to credit bureaus, and they have to sent me only partial paperwork. They denied showing any proof of their reports to the credit bureaus. They have failed to keep in contact with me about the correction of this in a timely manner. 

Additional information : Securednet loan services & XXXX XXXX XXXX are ran together. XXXX XXXX XXXX holds my mortgage loan. And they use Securednet services as a third-party paying service. Both companies have the same owner. 

I was divorced three years into this loan. The mortgage was originally opened under XXXX and XXXX XXXX and in the divorce decree it is agreed to, and signed that the property is solely owned by XXXX XXXX. The mortgage was never closed, transferred, or refinanced. It was only adjusted to drop off XXXX XXXX. 

Divorce decree is attached I requested payment history and only received a partial payment history for my mortgage- Attached I also requested proof of what they are reporting to the credit bureaus and was denied

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - CBNA : XX/XX/XXXX - XXXX 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 2023-09-25
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Zelle has restricted my account for no reason. I have been using Zelle for years without any problems. But recently, Zelle restricted my account for no reason. I have contacted customer service, but they will not provide me with answers. 
I can not send or receive any money through this service. My tokens are restricted. I tried working with my banks and credit unions but they have advised me to contact Zelle, they are the only ones who can resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Self Financial Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Opened secured credit builder account with Self credit card in XXXX requiring a security deposit. Company sent notice of account closure on XX/XX/XXXX. Was informed any balances owed would be deducted from security deposit and the balance of that would be mailed to me via a check. Received the check in mid XXXX of XXXX of {$640.00}. However, account was never closed. Self is stating i owe {$160.00} which is the result of interest and late fees that has accumulated over the past 18 months due to Self refusing to close the account. they are telling me they will not close the account until I pay the interest and late fees. They have been reporting me to the credit bureau as late and missing payments on an account that should have been closed with a {$0.00} balance. I have requested they close the account to which they are stating they will close it once I make the payment. I have requested they remove the additional fees which they refuse. This is fraud. Im being charged bogus fees and if I do no pay them, they will continue to report me negatively to the credit bureau

Company response to consumer: Closed with explanation