BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: Harvard Collections, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 a delinquent account listed as Harvard Collections appeared on my otherwise perfect credit report. The open date reported was XX/XX/2021, and the original creditor XXXX XXXX XXXX XXXX. The amount {$200.00}. 
I've never been contacted by mail, or phone by Harvard or XXXX XXXX XXXX. I've never been billed by either entity for anything, never lived in Illinois or had any financial dealings with that state so I disputed the entry with all 3 credit agancies. The information was not removed. 
I called Harvard Collections with the account number and was told that there is no statute of limitations on State Debt, however, I know there are limits on what can be reported. I asked for verification and was given a phone number for XXXX XXXX XXXX. I called 4 times and no one at XXXX XXXX XXXX could find any record of any debt owed by me. The negative information is still impacting my credit score and access to fair interest rates. If I owed a debt I have never known about, I've never been given the opportunity to even pay it prior to this damaging information being reported. It's extortion without causation or avenue for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/2018 - Received an email stating that open XXXX Money market savings account and deposit total of XXXX by XX/XX/2018 to get XXXX $ bonus ( Attached email stating full terms ) XX/XX/2018 - Opened account and funded with XXXX $ XX/XX/2018 - completed total of XXXX transfer XX/XX/2018 - Contacted CSR from capital one to check the status of bonus, CSR replied that i need to fund within 10 calendar days ( which is nowhere mentioned in the email i received ) and also stated that i need to maintain XXXX for 60 days ( which is mentioned in email as deposit XXXX but not mentioned anything like i need to maintain XXXX ). I wanted to verify the terms i received so i disconnected by stating that i will call back XX/XX/2018 - Contacted again and CSR was saying contradictory information stating that cumulative XXXX is ok but need to deposit everything within 10 calendar days, which again not in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Yesterday, I received a phone call from IQ Data. They threatened to report me to a credit bureau for not paying a debt I owed. When I pressed them on the debt, they told me they had sent numerous letters to XXXX XXXX XXXX. I do not ( not have I ever ) lived at this address. They said that fact was irrelevant. I asked to speak with a supervisor. 

The supervisor was even worse. She raised her voice to me and even egged me into suing, saying they love to be sued. At this point, I heard cheering in the background of the call, so I assume her coworkers approved of her belligerence. When I tried to resolve the debt through a payment plan, she insisted I pay all or nothing. 

Today, IQ Data called my elderly father, a XXXX XXXX survivor, and harassed him. They apparently implied that they had been hired by the government.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo claims that I missed a payment on my mortgage. I have never missed a monthly payment on my mortgage, and have the documentation to prove that going back over a year. However, they continue to claim that I am behind and charge me a late fee every month. I contacted them back in XXXX and they said they would look into it, however I have never heard back from them. 

I discovered they were charging me late fees for over a year in XXXX of 2018. I immediately called Wells Fargo to figure out what was gong on. While on the phone with Wells Fargo, I went online to review my payment history. For some reason I was only able to view the previous 3 months of account activity. The very next day I went online to review my account again and was able to see ALL of the account activity going back for over a year. So for some reason they blocked my ability to review my extended account activity. I believe they were altering my payment history to avoid being caught in their scam. 

I made a mortgage payment on XX/XX/2018 in the amount of {$2600.00} I was charged a late fee on XX/XX/18 in the amount of $ {$95.00} My most recent monthly payment was made on XX/XX/2018 in the amount of {$2600.00} This has been going on for over a year. 

Wells Fargo currently says I owe : Unpaid fees / late charges {$1500.00} Total amount due to make loan current {$4200.00} Like I said, I have never missed a payment and believe they have altered my account history on both my personal checking as well as the mortgage account in order to cover up their current scam. 

In addition, I know they encourage unethical and illegal practices first hand. A year ago I noticed a new account had been opened up under my name, and was consistently being charged overdraft fees. I did not open up this account. I called Wells Fargo and asked them about it. They gave me vague answers, and removed the overdraft fees. I told them to close the checking account since I never authorized it in the first place, and several weeks later the account disappeared. However, the impact on my credit score had already taken place. 

Wells Fargo has once again altered accounts and personal finance records in order to save face due to one of their unethical and illegal banking practices.

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 2018-12-07
Company: Experian Information Solutions Inc.
State: RI
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: Investigation took more than 30 days

Complaint:
XXXX XXXX response to the CFPB is a blatant lie. Here is why : In XX/XX/XXXX my insurance company, XXXX, issued a new policy which required XXXX to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. XXXX sent a second check to XXXX to account for the two policies. XXXX know this is what actually caused the erroneous escrow amount. I was never notified by XXXX about the two policy payments until I called. XXXX never worked with XXXX to reconcile the right account policy and I never received a letter from XXXX about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my XXXX XXXX escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. XXXX and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of XXXX. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.

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 2018-12-07
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company, Seterus , Inc., which has locations in XXXX, CT, XXXX, OR, and XXXX XXXX, CA, has been harassing us for months with threatening letters, inconsistent dollar amounts of " late payments '' and threats of foreclosure if we do not bring our account up to date. I have documentation, supported by my bank statement and Seterus ' own website, to show we have not missed a payment nor have we been late. My job has been in XXXX XXXX, and I have compiled a comprehensive spreadsheet verifying my position. Seterus has also falsely reported my wife and I to the various credit reporting agencies in an attempt to damage our credit, forcing us to pay their demands.My research into this company shows is this rather common of their practices. Internet sources show there are a myriad of complaints and lawsuits against them for similar issues.I request that they cease and desist their harassment, correct our account status and remove the derogatory remarks from our credit reports. I'm not sure which documents I should include as there are many. I appreciate your input as to what is needed and I will be glad to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: TN
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 have contacted Equifax several times about information that is incorrect on my credit file. I call Equifax at least once a month every time I call they swear they're unable to verify my identity. Most recently I called XX/XX/2018 at XXXX central standard time and spoke with a lady that told me her name was XXXX. I told XXXX that I have a confirmation number and previously when I called Equifax they were able assist me with the confirmation number. Well she did not ask for the confirmation number and proceeded to ask me a series of questions of which I answered them all correctly but she continued to tell me she was unable to verify my identity and that I must send in a copy of my drivers license and social security card. I have sent Equifax at least 15 copies of the same drivers license and social security card. My main problem is Equifax has failed to properly verify the items on my credit file and despite my several requests has failed to delete the items and they have failed to provide me with updated copies of my credit file. Most recently Equifax sent me a letter stating the accounts in question are not showing up on my credit file but I have copies of my credit file from Equifax 's own product Equifax complete advantage that I was paying {$17.00} per month for. And according to Equifax 's own records the product that they charged me for gave me inaccurate information. I disputed an address Equifax told me the address was deleted but the address remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: TN
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:
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a so-called debt from Blakely Witt and Associates out of XXXX TX. That claims that I owe them {$4200.00}. This is a debt that I do not recognize or even know where it originated from I can never seem to go through to these people. When I ask them to validate a debt its like they refuse to do so. 

I have never even done business with Blakely-Witt and Associates. Little on created a {$4200.00} debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX I tried to setup a account with the XXXX XXXX and it said PNC basically didn't allow me to do those types of things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been a Citicard member since XXXX. That's 15 years without a single missed payment until I increased my auto-pay amount and was unaware it didn't go through! That one time this past XXXX a payment was 8 days late because the amount wasnt collected via autopay as usual. 
I had also began receiving these robo calls concerning my account which my phone identified as spam. Being sick of this number calling my phone I picked up and it was some bot asking me to check my Citicard account, thats when I found out the new auto pay amount didnt go through. 

The payment was promptly when the when I realize what happened. But on XX/XX/XXXX instead of recognizing my superior record with Citi they decided to be an XXXX* and cut my entire credit line on both cards to almost nothing making it a now appear as if Im at my credit limit thus severely damaging my credit score! 

My credit was reviewed not by a person instead by an " Automated Consumer Interview System '' via XXXX A XXXX computer bot decided I should have my credit cut off! REALLY! Since my XXXX Report is Frozen I'm not sure where they conjured up this nonsense. I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompt CitiCard to do such a hideous thing. 

When I called them all I got was their computer bot runaround, when I finally got someone whom I could hardly understand I was told the the people who actually review credit can only be contacted via snail mail, they dont take phone calls or emails. I was then told they would send a request to them to review my account. No one wanted to take responsibility and there was no one connection with this to speak with. CITICARD reviews credit by using an " Automated Consumer Interview System. '' 15 years of credit history gone because of artificial intelligence, And I use that term loosely! A computer bot decided I should have my credit cut off! I want to let everyone know about Citicard 's egregious behavior and the treatment of the senior clients. When considering an credit card for your business or personal use, this is not the one to choose, there are many other companies that value their long-standing clients. CITICARD IS NOT ONE OF 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 explanation
Consumer complaint received 2018-06-10
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECEIVABLE MANAGEMENT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

View your Report | View your credit score I do not have an account nor have I used their services. The debit collector has claimed that I owe them. It has reflected negative on my credit report. Please help.

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 2021-02-01
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm trying to close my Huntington checking account - XXXX. Normally I would use a bank online message center, but Huntington doesn't have one. Then I tried to use their online chat, but it tells me I need to go in person to a bank, although I have an online only account and there are no Huntington branches near me. I can't get past the virtual assistant to a live person. So I phoned Huntington XXXX but it asks me for my debit card number which I don't have. I was finally able to get through the automated message, only to be told that my estimated wait time is more than 45 minutes. So ... no online message center, no live chat, no bank branch, no phone help. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has been knowingly reporting false information to the credit bureaus and has damage my credit over 100 points.saying my account is delinquent as well as prior not reporting payments Since XX/XX/2021 I have been asking and demanding XXXX to fix the matter with no resolution in sight. They never updated my payment method on file to make payments have been charging me late fees and interest on an account they had yet fixed so I can make payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have an entire paper trail I plan to sue them if this isnt fixed and how can I just get this fraudulent company to return my security deposit as well as remove them altogether off of me credit report because they are fraud at this point. No one tries to help and just recently customer service today on XX/XX/XXXX and XX/XX/XXXX just now sending a link to make a payment after they have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying and requesting my {$200.00} security deposit back as well. This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed in the XXXX XXXX under XXXX XXXX XXXX  XXXX XXXX. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well

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 2021-08-16
Company: NEW YORK COMMUNITY BANCORP INC
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Early in XXXX my bank wrote me a letter saying that there was " irregular activity '' ( their term ) on my checking account and if they didn't hear from me within a certain window of time, they would freeze my debit card. ( I don't have a credit card anywhere, and I haven't been able to log into my account at the bank website or use the billpay for over a year, which is another matter entirely. ) I wrote them a letter. No answer. I wrote another letter. No answer. I wrote a third letter. No answer. The debit card is now frozen and probably cancelled, and I can't ( a ) get money out of an ATM, ( b ) shop with the thing ( though my XXXX account, which is tied directly to the bank account itself, seems unaffected ), or ( c and most important ) buy any Postal Money Orders with which to pay my rent -- and my landlord is getting unpleasant. I am still getting alerts for my monthly online statement ( so the account remains active ), but since I can't log in, I can't check it and see what this " irregular activity '' is. I want an answer and I want it IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number 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