BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I owed {$24.00} on a Citi Bank Shell gas card and believed that I had paid it. When they sent an email notifying me and I discovered my mistake, I paid it on XXXX and attempted to call customer service but was unable to speak with a representative so I sent a note asking them to waive any late payment fee. My next bill added a fee of {$26.00} and finally a fee of an additional {$40.00}, which was eventually removed. I sent a letter of appeal on XX/XX/XXXX explaining that it seemed ridiculous to charge more in late payment fees than the initial bill that was owed. When I finally was able to speak with a representative, she explained that the {$40.00} was removed but that according to their policy only one fee could be credited. My argument was that it should have been the original {$26.00} and that I had sent a note asking for it to be removed. I was told that notes were not accepted and that I should have spoken to someone, which I tried to do. As a result, my XXXX XXXX has been affected for a XXXX XXXX payment that was mistakenly passed due but paid. It was my first late payment since getting the card in XXXX. It is insane that late fees should ever be higher than what is actually owed.

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 2018-01-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Equifax has liens showing as wrong amounts and incorrect information. according to the law on a tax lien name & address and social security has to be attach to the lien as birth of date on the lien for the notification to be showing on my credit report. 
lien name & address as well as me living in the property or the property in my name. as you have on file is not my property nor is it in my name. 
As to your file confirmation # XXXX it does not show my name nor my social # or date of birth. laws was passed to this matter on liens on credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off XXXX XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXXXXXX XXXX {$510.00} XXXX & XXXX XXXX {$8700.00} Collection XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$980.00}

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 non-monetary relief
Consumer complaint received 2022-01-13
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BULL CITY FINANCIAL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX has repletely sent collection notices ignoring my dispute with proof of insurance & self pay payments. I sent all prof to all 3 credit bureaus as well as Bull city, the credit agencies did their investigation and deleted/updated my reports. Now Bull City keeps deleting the account from my credit and then reporting the account to my credit. The latest report to my credit was on XX/XX/XXXX. 
I originally sent all proof to original creditor on XX/XX/XXXX, my 1st collection letter was sent on XX/XX/XXXX and on XX/XX/XXXX I responded with copies of all payments. I sent the credit bureaus my proof on XX/XX/XXXX and shortly after the account was removed. Since then Bull City keeps removing and adding the account to my credit. 
I wish to file a formal complaint as I have sent proof of payment to all involved, and after investigation it was determined account was in fact paid in full and Bull City is stil trying to get me to double pay as well as destroying my credit with the constant report/remove/report that they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX, I applied for Covid Forbearance- I'm XXXX, and a Landlord to Tenants That were oit able to pay rent- BUT I NEVER USED THE FORBEARANCE- all Payments On XXXX XXXX XXXX ADDED {$49.00}, XXXX to my Loan Balance MY CREDIT SCORE DROPPED XXXX POINTS!!! I BORROWD NO MORE MONEY On XX/XX/XXXX I was able to get through to XXXX XXXX XXXX XXXX and Report the error- The Clerk on the phone saw it, said " XXXX '' and Escalated the complaint For te Next Week XXXX XXXX denied the error was made On XX/XX/XXXX, I spoke to a Representative in the COVID Response Team that said " Oh Disd yiu not get the memo, a system error added balances to many COVID Relief Customer in error '' She directed me to the credit report where -- On XX/XX/XXXX XXXX off my loan balance... 

Two things ; If you Notice, there is a Difference of {$320.00} From what they added to my Loan Balance an whst was Credited Back AND MY DECIMATEDCREDIT SCORE, AFTER A MONTH is Unchanged!!! 

I've Sent Freedom Mortgage XXXX Email requests, through their Client Portal, ti correct their errors, no response! 

Please Help! 



PS. Oh and, todsy, I notice on the XXXX XXXX XXXX XXXX is reporting my Mortgage Balance has increased {$400.00} AND that my payment status has changed w a Derogatory for late payment history- I HAVE NEVER MISSED A MORTGAGE PAYMENT! ( XXXX, at one point there was an escrow discrepancy, that Freedom Mortgage recorded as a missed payment, I was Told that was corrected-, zt the time APPARENTLY NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
i have applied for2 apartments and they areshowing i have a eviction. i have submitted to 3 credit reporting companies the paperwork from XXXX county court that the eviction was dismissed without prejudice but it is still showing up and automatically declining me. 
XXXX $ ea application is expensive can you 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 2022-01-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Monday XX/XX/XXXX I submitted a bank to bank wire transaction in the amount of {$10000.00}. The bank transfer was from Huntington Bank XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX I received an email from Huntington stating that my authorization for wire transfers had been suspended with no further explanation. I then called Huntington customer service and was told that in order for the transaction to go through, i would need to show verification that i am the owner of the XXXX account. I then went into my local branch that same day ( XXXX XXXX ) and provided the documents requested. Upon verification i was told that it would take till the next morning ( XX/XX/XXXX ) to complete the verification-I was also told that my transfer was being cancelled and the money would be returned to my Huntington account and i would have to put the transaction through again. The promise was that my money would be in my account by end of day Wednesday or Thursday ( XXXX ) morning. As of today, Thursday XX/XX/XXXX my money has still not been released back into my account. So i called again this morning to get an explanation as to why i still do not have my money on the date that was promised. I was then told that the transaction is still being processed and the transfer was never cancelled. So I am being lied to about when i will receive my money, i am being lied to about the status of the transaction, and i have been given no explanation as to why i am being given the wrong information. I understand that as of now i am still within a reasonable amount of time for the bank to process a transaction, however, i am now being told as of this afternoon ( XX/XX/XXXX ) that my money will not be released until approximately Tuesday. This is a major issue as i have bills to pay and no money to pay it with. I am going to incur late fees due to this and if that happens i explained to the bank that i will be filing a lawsuit in small claims court to have them pay for the overdraft/ late payment fees should i incur any due the Huntingtons failure to properly communicate with me. For my money to be released next tuesday ( XX/XX/XXXX ) is beyond reason and is not acceptable. THAT IS MY MONEY, NOT THE BANKS. They are talking to me as if its their money to do with as they please and im about at the end of my patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. SXXXX 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 BANK.

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 2021-04-14
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
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:
XXXX consumer is in breach of the abritration clause the contract by selling it to a third party collection agency! XXXX has violated the abritration clause! XXXX consumer has sold this debt to XXXX XXXX XXXX! XXXX XXXX XXXX has not sent any correspondence in regards to buying the debt, they have not validated the debt! In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, but they not give these rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

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 2017-07-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.

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 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 want the ability to freeze and thaw my credit reports from the main credit bureaus without having to pay for a service. I believe having access to control my credit information should not be held captive by subscribing to a monthly service or paying XXXX time fees. It is overly difficult to process simple requests like this without using aforementioned paid services.

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

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 2019-04-26
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2017, this debt for {$80.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have written to XXXX XXXX in the past and have asked them not to contact me through my work number. I have given them permission to call me on my cell phone and through text. I have continued to receive phone calls at my work from a guy by the name of XXXX. The dates listed below are when he has called me. I understand I have a responsibility to take care of my account, but I have explained to them many times to please not call my job. I would like to keep my personal debts separate from my employment. It is not acceptable to my employer to receive personal calls and is embarrassing to have debt collectors call. XXXX XXXX ( XXXX ) is calling and leaving his name, where he 's calling from ( yes, he is saying XXXX XXXX ) and his number. Again, I have asked them not to do this. I have written it down for them to know. I spoke with the manager today and he confirmed this was notated in my account, it was also confirmed by the receptionist XXXX that this was notated as well on my account. Yet, XXXX is still calling my work number. 

Dates company has called my work number : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
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: Account information incorrect

Complaint:
In XX/XX/XXXX we started a 4 year lease with XXXX XXXX. In XX/XX/XXXX our vehicle was totaled in an accident. Our insurance company paid off the vehicle and loan. Months later XXXX decided the insurance company did not pay them enough. XXXX told us we owed them an additional {$1800.00}. This is fraud and attempt of theft.

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 2019-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been a victim of identity theft. Chase bank wants to charge me for the unauthorized transactions of approximately {$1000.00} I did not make, eventhough I am showing them a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.

Company response to consumer: Closed with explanation