BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Monday XX/XX/XXXX I received a phone call from a person at Continental Credit Control informing me she was a collection agency attempting to collect a debt on behalf of XXXX XXXX  from XX/XX/XXXX. I informed her we had not ignored any bills and pay everything immediately after we receive them so there can't be a past due bill. I requested she send me an itemized statement so I can see what she's talking about. She claimed notices had gone out to My address with no response. I told her no way, nothing has changed for me, and I have not received anything from them. When I arrived home in the mail was a notice from Continental Collection Agency in the amount of {$160.00}. There was a ten percent interest charge included in the total of {$35.00}. I immediately called my insurance company to see if they paid the claim back in XXXX thinking maybe I misplaced the EOB and never received a bill. My insurance, XXXX has never been billed for the service either. They even checked to see if the claim was sent and rejected it for some reason and they never sent it again. There is no record of this service with my insurance at all. More perplexing is how XXXX XXXX/XXXX came up with a charge for the service since they are an in network provider with XXXX and they would bill me the difference of the contracted price based on my plan after XXXX paid. Even the XXXX claims specialist said it's impossible to speculate exactly what this amount would be without an actual claim. When I called Continental Credit Control to explain they need to bill my insurance and then bill me the difference of the contracted price, I was informed they don't deal with insurance companies. I explained I understand this but clearly XXXX XXXX has made a mistake. I was told to write an appeal and send it to them and they'll consider it. Otherwise it will go on my credit. 

This is wrong. I've spent the entire afternoon on this. 

Thank 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 2019-08-18
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
These are the mortgage loan servicers who has serviced a set of fraudulent loans on my house : XXXX XXXX XXXX , XXXX, Ditech Financial LLC, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX # XXXX**** INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, LAST PAYMENT. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.

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 2023-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
It has been bought to my attention by XXXX XXXX XXXX that my very personal and identifying information such as my personal email address and my social security number has been found on the Dark Web, compromised. This poses a severe threat of fraud possibilities and it gives reason for poor and untrue credit ratings. There are inquiries that don't belong to me, etc. I would like my account protected and my information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
A bankruptcy is incorrectly being reported on my credit reports.

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 2021-06-08
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:
On multiple occasions during the past 45 days I have filed two disputes of XXXX accounts with TransUnion reporting agencies and they havent been updated. There six accounts reflected as derogatory from XXXX. These accounts have reached the seven-7 year retention schedule and need to be removed immediately

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 2017-12-16
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-07-19
Company: BARCLAYS BANK DELAWARE
State: MA
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 contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.

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 2018-08-06
Company: CITIBANK, N.A.
State: CO
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 have made a payment to CITI Advantage on my husband credit card via the XXXX XXXX Online payment system. The {$2000.00} was to be delivered to CITI on XX/XX/2018. I was told that CITI can not find the payment. After numerous phone calls including two conference calls initiated by XXXX XXXX to CITI and myself but no results. I was to get a conditional credit on the account until the issue was resolved but that did not happened. The answer is always call back in a week. Today I was told to check the XX/XX/2018 statement. I am getting the run-around with this issue. They do not hesitate to charge interest and late fees since that is in their program but the consumer has not options.

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 2023-03-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX. : # XXXX, XXXX XXXX : # XXXX, XXXX  : # 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 to any 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 2020-07-08
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from 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 explanation
Consumer complaint received 2021-04-27
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I received the email below- DO NOT KNOW PERSON CITED - AMOUNT DOES NOT SHOW UP IN MY CU ACCOUNT, COULD MY IDENTITY HAVE BEEN STOLEN???? 
Local police officer I spoke with ( about another scam wanting XXXX or they would sell all of my info ) said to never press links or call #, it was common threat against seniors- If any repeat or similar, to report it. Please help ... 

Address info would not copy- just said SUPPORT and my address. 

TEXT OF EMAIL Western union : Money transfer confirmed Thank You for using Western Union : Your money transfer now available for pickup -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TRANSACTION DETAILS : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Your tracking number { MTCN } XXXX PLEASE USE THIS NUMBER FOR ANY QUESTIONS. 

Transactions date XX/XX/2021 Receiver name : XXXX XXXX XXXX Address : XXXX, Payment method : debit card Amount sent : - $ XXXXUSD Transfer fee : - $ XXXX Total : - $ XXXXUSD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Exchange rate : XXXX Transfer XXXX Total final XXXX Issues with this transaction? If you haven't authorized this CALL US+XXXX Headquarters : XXXX, Colorado, United States Subsidiaries : Western Union International Services , LLC , MORE Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Media Relations XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: MS
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 disputed a XXXX  XXXX XXXX  XXXX inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: T.S. Holdings
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CALLED IN TO COMPANY TO EXPLAIN THE DEBT WAS FALSE AND I WAS TRYING TO SUE THE COMPANY TO GET THE DOCUMENTS NEEDED TO CLEAR THE DEBT DEBT COLLECTOR SAID HE DIDINT BELIVE IT AND I HAD TO PAY THE DEBT ALSO PUT IN NOTES FOR OTHER EMPLOYEES TO SEE AND TOLD THEM TO NOT HELP WITH PAYMENT PLAN BECAUSE HE IS ON THE CONSUMER SIDE. 

CALLED TODAY TO START PAYMENT PLAN GOT HUNG UP ON SMART REMARKS AND WAS TOLD I WOULD NOT GET A RECEIPT FOR MY PAYMENT PLAN BECAUSE ITS A SMALL AMOUNT AND I SHOULD SPEND ALL MY TAX MONEY AND LIFE SAVINGS ON THE DEBT XXXX XXXX IS THE MANAGER AND VERY RUDE AND DISRESEPCTFUL

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax  is the worst credit reporting agency. I tried to use the online service to unfreeze my credit report but could not get into the system and it told me to call them. I then called and tried their automated system and went through verification of who I was and even got sent a security code to my phone. Even after that process it said I need to talk to a live person. Once I got in contact with a live person I was told I would need to fax them or mail them a copy of my drivers license and SS #. You have to be kidding me. Why would I need to do that. They have all of that information already and I verified who I was on the phone and answered all of their questions correctly. I have had no problems with any of the other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a XXXX XXXX Card through Barclay 's because of the promotion stated below. 
" The XXXX XXXX Card will allow you to earn XXXX bonus points after spending {$1000.00} on purchases ( that are not later returned or rescinded ) with your XXXX XXXX Card within 90 days of opening your credit card account and paying the annual fee. This one-time offer is valid for first-time cardmembers with new accounts only. Your bonus points will be deposited into your XXXX account 4-6 weeks after your qualifying transactions have posted. '' I met the above stated requirements ( statement attached ) and the bonus points have not been transferred to my XXXX account with XXXX. I called Barclay 's twice, because a statement for the month of XXXX, 2019 has not been generated although a payment of {$1100.00} was made on XX/XX/2019. The first time I called XX/XX/2019 I was told that if there is no activity no statement is created. I called again on XX/XX/2019 and was given the same reason but when I mentioned that a payment was made I was then told that they were having problems.

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 2018-08-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I reopened a XXXX store card to purchase something at the store. I left the country to visit family and left my daughter in charge to pay for the purchase of {$130.00}. The store never sent paper mail statements and when my daughter and wife called And gave them my personal information, they refuse to talk about my account. At this point, unbeknownst me they had already started changing me late fees. My wife tried many times during all these months to get them to stop charging late fees and paid {$100.00} dollars online. She spoke to many reps explaining why we have not paid but they continue charging fees and refuse to allow my family to bring the account clean. Now that I am calling they charging {$190.00} More than his original purchase and it is not after all this time that they finally speak to us and have the audacity to tell us that they are only allowed to drop One late fee. My husband is poor and we are willing to pay the remaining XXXX dollars but its unfair that we have to pay twice what the original bill was because of their deplorable customer service. We tried many times to settle the account but they refuse to offer customer service.

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 2018-02-14
Company: EQUIFAX, 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:
XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond XX/XX/XXXX sent certified letter with failure to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian XXXX response XXXX XX/XX/XXXX copy from XXXX XXXX XXXX  copy attach as proof. Payments was paid paid in advance 2 months from purchase of car in which Experian did not record and Experian was late recording the payments as they was prepaid in months in advance. Experian Report # XXXX for XX/XX/XXXX shows payments on page 7 of XXXX XXXX XXXX not showing as paid as the letter dated by XXXX XXXX XXXX  XX/XX/XXXX as showing pay ahead. Experian needs to learn not blame it on the creditor as fault blame Experian for incorrect information showing that was there error in which was not reported correct and effected my credit score.

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 2023-05-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Card account was supposed to be closed in XXXX  by JP Morgan Chase, card was a prepaid employer card. Chase ended the relationship and refused to disclose why, refuse to explain why my account was closed and refused to open another. I am not in check systems nore have I ever been with this bank. It says that I am a current customer and I am not a customer and in their details it ask for my personal information and the lady asked if I have a mortgage " I said No ''. I called because it alerted me of such an account but yet when I call it's telling me something different.

Company response to consumer: Closed with explanation