BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.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. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: BSI Financial 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 information incorrect

Complaint:
My original lender was XXXX XXXX up until XX/XX/XXXX bsi is reporting that I was 120 days past due on my account with them in XXXX, XXXX of XXXX this is clearly Im accurate Im asking they remove the account from my profile as I have never sign any agreements with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: TX
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 have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a 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 non-monetary relief
Consumer complaint received 2017-11-26
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent by certified mail on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a dispute request to both Experian and XXXX  regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by US and Fed Bkruptcy XXXX XXXX Courts. I supplied both Experian and XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XXXX/XXXX/XXXX Experian sent a new credit report with my dispute results stating the company that reported the information has certified to Experian that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. XXXX simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XXXX/XXXX/XXXX three bureau report both XXXX and Experian continue to show a bankruptcy yet XXXX has no record of a bankruptcy.

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 2017-11-26
Company: CITIBANK, N.A.
State: NY
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:
I recently open an account with Citi Diamond Preferred. I was never sent a statement, neither by mail, or email. I contacted Citi on XX/XX/17 to inquire why I was never sent a statement. I was told by the CSR that I was enrolled in paperless statements despite the fact that I never enrolled in, nor agreed to, paperless statements. The CSR informed me that Citi would be unable to remove the {$25.00} late fee. I immediately instructed the CSR to close my account and I made the minimum payment for the amount of {$180.00}. It is also worth noting that my credit report is excellent, and my payment history is exceptional.

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 2018-05-08
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent complaint CFPB # XXXX in 2017, about XXXX XXXX XXXX 's Escrow Fraud. I hoped that was the end of it, but 2 months later XXXX   transferred the servicing of my loan to Specialized Loan Servicing and it all started again. XXXX or SLS can NOT show that I ever actually signed up for any escrow what so ever. I DID NOT ASK FOR AN ESCROW ACCOUNT! I have asked for proof that I did, over and over, and they just ignore that part. I have NO escrow account with either company yet they say that I owe over {$3000.00} for this imaginary escrow. I do not! 
After answering to you, they suggested that I have an escrow for home insurance. I made 2 large payments, but they did not pay the premiums for my home insurance with XXXX XXXX and my insurance was cancelled! I worked out a payment plan to be reinstated and demanded that any money from XXXX or SLS be returned. For this current year, I have already paid monthly insurances ( home ) and total flood and taxes. SLS continues to demand thousands from me even though there is nothing to pay. 
SINCE I NEVER SIGNED UP FOR ESCROW, THEY MUST STOP THE HARRASSMENT. THEY PLAN TO FORECLOSE!!! They have resorted to sending back my monthly mortgage payments. I suspect they will then be saying I am " behind '' in my payments? 
I AM ABOUT TO LOSE MY HOME OVER $ 3,000+ which I do not owe and can not pay. I have made my mortgage payment every month. I WANT AN HONEST PAYOFF AMOUNT WITH NO IMAGINARY ESCROW, SO I CAN REFINANCE WITH MY CREDIT UNION. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: United Revenue Corporation
State: TX
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: Problem with personal statement of dispute

Complaint:
XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions Inc.
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity 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 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity 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 explanation
Consumer complaint received 2018-03-22
Company: Capital Accounts, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Choice Recovery, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Choice Recovery Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2013. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I am the owner of XXXX XXXX XXXX  XXXX I am XXXX XXXX. 
I have looked over my credit report and I am missing two credit accounts that are in good standing my XXXX XXXX XXXX and XXXX. The credit card companies have reported my payment history yet there is nothing even showing on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S.C 1681 ( a ) ( XXXX ), the banking system is dependent upon fair credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

With that being said, Equifax 's consumer reporting agency is furnishing unauthorized inquiries, accounts, and inaccurate personal information to my consumer report. Not only do these items not belong to my consumer report but more importantly, they violate several Fair Credit Reporting Act laws that protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
AT & T Universal Credit Card, formally Citibank, continues to erroneously list an inaccurate " High Balance '' on my credit reports in spite of the fact that I've provided clear documentation to the credit bureaus clearly contradicting what they're reporting. 

They are listing a " High Balance '' of {$14000.00} in the past seven years in spite of the documented fact that my credit limit ranged from {$500.00} to {$2300.00} from XXXX to date. I've never had anywhere near a high balance of {$14000.00} with them over the past seven years and my credit limits clearly document that it would be impossible to have a high balance that is over {$12000.00} higher than my credit limit. 

Universal has refused to correct this inaccurate information in spite my filing numerous disputes with all three of the major credit bureaus. 

I am attaching a letter to the credit bureaus in addition to digital copies of four different statements that chronologically confirm my credit line over the past seven years, clearly making the high balance of {$14000.00} that they continue to report an impossibility. As I refuse to use this card until the situation is resolved I am carrying a XXXX balance on it, thus I have not received a statement from them since XX/XX/XXXX, which is included here for reference showing the credit limit of {$2300.00}.

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 2019-03-28
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech recently sold off our loan, and we have not heard from them or the new company. 

Currently, as of XX/XX/XXXX, Ditech is asking for excessive late charges, has something unique on my bill which is holding " funds in suspense of XXXX. I have tried to contact Ditech and make a payment but the account is closed, yet they are asking for a series of payments with a due date of XX/XX/XXXX. I have yet to hear from the new company servicing the loan. I am concerned that Ditech is racking up late fees, adding funds in suspense and making the balance as high as possible and then sending it off to another company. We had a major injury in the family and went to one income but we have a long history of being current. I would like to make sure that my payoff balance is fair and that I have not been taken advantage of in this transfer process. 

Why hasnt the new company sent me correspondence? 
Why is ditech sending me a bill with a future due date? 
What is " Funds in suspense '' Can you please make sure that Ditech has treated us fairly. We have been in contact with them and have been trying our best. They have 20 minute wait times and it is hard to get through

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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 did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them from my consumer report : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX Pursuant to 15 USC 6802, this is a demand, not a request. Federal law supersedes your company policy. 15 USC 1681c-2 establishes what I, the consumer must provide 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 non-monetary relief
Consumer complaint received 2021-04-30
Company: EQUIFAX, INC.
State: NY
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I hope you can help me with this incredible matter. I have a checking account with Wells Fargo Bank In California. 

I'm writing from XXXX. I lived in the USA for many years. I'm a retired psychologist and worked for the State of CA Rehabilitation Dept. 

I opened my checking account with Wells Fargo in XXXX. I get my direct deposit for retirement and Social Security to my account with WF. I was able to withdraw the money in XXXX with my debit card and my PIN number at any ATM. 

About two month ago, without my knowledge or permission, WF changed entirely my account, deleting my password, my PIN number and all information regarding my account. I can't see or access my account at all. I have called and talked to many people in there, told them that my account was blocked to me and I was unable to draw any money as they changed or deleted my PIN number. At the end, they all go around giving me the red tape ; no one will take responsibility for this situation, which has caused an incredible amount of problems. I'm unable to make any payments, buying food, etc. Nothing. I had called them again and again, and I have been told that they will get my account in order ONCE I get back to the USA. Do I have to get back to the USA in the middle of a pandemic, with no money at all, with my US passport expired and the US Consulate barely working due to the pandemic? They have no appointments available for the rest of year. 

I came back to XXXX, my homeland, in XXXX. I'm a XXXX XXXX XXXX and a XXXX person. I have informed this condition to the bank representatives several times, and it does not make any difference to them. l have kept my checking account open, active, and in good standing with them since XXXX. I have used it in XXXX for several years with no problems, until they blocked it without warning to me and no reasons given. They say that I need to pick a new PIN number in person at branch location in the USA. This is totally unreasonable knowing that I am in XXXX and unable to travel due to the circumstances : a pandemic, my age, and my XXXX. I find this situation abusive, insensitive, and incredibly cruel. They have created a tremendous hardship for me. It is useless to try to reason with WF. Anyone tells me whatever they want, in spite of that I tell them that in my current situation I have no even money for food. 
I hope you are able to act on this urgent matter as soon as possible. I'd be grateful to you. 

Thank you, 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 2015-05-10
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
There is an open collection account on my credit report that was discharged in a bankruptcy. Should n't that be closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have presented my consumer report to all three credit bureau and no one has responded or remove the issue with the proper documents that I mailed off.

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