BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My issues is with XXXX XXXX, XXXX, Experian and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX , Experian and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Paramount Recovery Systems, L.P.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In 2019, I pulled up my own credit report to view my information. I had found a collection account by name of : Paramount Recovery, reported for medical debt that I was unaware about. I contacted the the company with the information from XXXX XXXX website that stated Paramounts name and phone number. They clarified the debt was a medical debt, I then asked I had never received a noticed, did not know I even owed this debt. The debt was due to a motor vehicle accident and the insurance had paid all other bills on my behalf, and all of the bills on time. If I was aware of this debt, I would of had the insurance pay it in a timely matter. The collection agency covered for a company that had a change in ownership, which caused them to never send me a notice of any bills, or even any attempts to collect the debt. 
No phone calls, or voicemails were left in that matter as well. I had to make multiple attempts to contact the debt collection company, and speak to multiple different people at their company in order to request an invoice. I had to collect an invoice independently, as they requested it from their client but stated it would take weeks to receive. I contacted XXXX which is the company that originally holding the debt, they then were supposed to send the invoice for the physician bill, but the company XXXX then sold to envision services. 
The insurance company has now paid the debt owed - I had confirmed the check XX/XX/2019, from XXXX with check #, picture of check, and date check was cashed, to the collection company, but it is still being reported on my credit report as closed, but it is still affecting my credit score, as it is not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint mortgage servicer was assigned to two of the properties that my XXXX just refinanced. I got married in XXXX. Before getting married i called shellpoint that please let me know if i owe any payments for XXXX on my home in XXXX XXXX XXXX XXXX, NY since my loan was transferred to your servicing. They told me nothing was due. Then i went on with my reception and honeymoon. When i came back. I received a mail that i was late for XXXX. I called and made payment for XXXX and XXXX. They told me everything was fixed and things like this happen due to transfer of servicing. 

I refinanced another home in XXXX XXXX XXXX. XXXX XXXX NY. 
Shellpoint is still the servicer. They send me mail stating {$0.00} is due for XXXX. When i call them to confirm they tell me the mail sent was wrong and they are sending another mail with correct amount. That was on the XXXX of XXXX and payment was due on XXXX of XXXX. I still havent received my correct statement and neither have i received a call back after making multiple inquiries and today is XX/XX/XXXX. 

On XX/XX/XXXX, i get a notification from my credit card company that i have defaulted on my payment on XXXX XXXX XXXX XXXX, NY home. I have lost over 100 points in credit scoring and my debt has increased by {$190000.00}, the mortgage amount. 

To make matters worse, i have multiple properties that are currently under underwriting process of refinance and they cant close because my credit doesnt meet the requirement anymore. I am losing hundreds of thousands of dollars in equity if i do not refinance and that money is necessary to keep my new business going. I risk of losing those homes to foreclosure because they are paying interest rates as high as 13 %. 
I could lose in excess of {$2.00}  million in property value because of negligence of shellpoint mortgage. My XXXX is a public benefit XXXX, i XXXX XXXX to XXXX XXXX XXXX  and XXXX, these servicers are increasingly outsourcing or using too much AI that a common miscommunication can create a mistake that can cost millions. 

I will lose all my properties if this persists and i want to know who will be held responsible for this negligence. 

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 2021-03-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 I reported to XXXX XXXX XXXX that my debit card was stolen and reported every unknown transaction. After that, they closed my card, but my bank account still has it. XXXX I tried to log in to my account using mobile banking and online banking to transfer the account balance, but it was unsuccessful. On the morning of XX/XX/2021, when I tried to log in to Mobile Banking again to transfer my funds, the system prompts me that my login account has been disabled and I can not access my account, but my account contains all my funds, Including the third round of assistance is in this account. That is all my money. I can not use digital banking. I can only go to the local bank to deal with it. But the banker also told me that they couldn't do anything and couldn't get back the money in my account. 
I do not know what to do. I am very dissatisfied with the services provided by XXXX XXXX XXXX. My account at this bank is all my income account, but not only the assets in my account have unauthorized transactionsAfter I complained about the banks actions, the bank chose to close the account that I had been trying to maintain for two years. I did nothing wrong. I dont understand why I need to take such responsibility. Including until now, I don't have a penny in my pocket. Almost ten days have passed, and I have been suffering from hunger. I called the customer service of the bank. They kicked me like a ball. No one solved my problem for me. I was a victim. I deposited my money in the bank, but I couldn't use my money, this is really ridiculous.

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 2019-05-14
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I asked to change the account type to Basic Banking Package at around XX/XX/2018, and staff told me that my account will be changed in 24 hours. However, my account type is not changed, and there was {$25.00} each month, {$50.00} in total was charged to my account. Once I found out, I asked to change again at XX/XX/2018. Again, the staff told me the account will be changed in 24 hours, and refund me the $ XXXX month fee. Yet it turns out, the account remains the same, and the month fee continued. For the third time I asked, the staff told me that my initial request was denied ( I don't know which " initial request '' was referred ) but I did not receive any notice of denial. The month fee charged will be gone.

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 2020-02-22
Company: Capio Partners, LLC
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
the website they use does not have a privacy or terms of agreement but the box must be checked before proceeding. 

XXXX   XXXX I called them, assetcare, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX and they individual i talked to said it wasnt his, assetcares problem that there was no privacy or terms of agreement. 

Being no terms or a privacy policy in place, There is no way that my information can be safeguarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: U.S. BANCORP
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged a property tax for XXXX county when I have never been a resident of XXXX county. The lease holder ( US Bank ) assed it to my account. I have been trying for months to request a copy of the tax bill showing my name as the tax due by me to which I have had no success. I have reached out to every department, I have made every call, submitted in writing all the requests ; all to no avail. I am worried about this impacting my credit. I have reached out to XXXX county for help and they helped me as much as they could. I have been stonewalled by US Bank. Even then supervisor at Personal Property and business license division at the XXXX county department of Tax administration suggested I seek legal counsel in order to get a copy of this bill. A bill that was assessed to my account that is not my charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: CITIBANK, N.A.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1. A Citibank ( South Dakota ) N.A. charge off {$1300.00} FRS File number XXXX, online pin number XXXX regarding Best Buy Visa,  date of last payment : XX/XX/XXXX, charge of date : XX/XX/XXXX, date of first delinquency XX/XX/XXXX has surfaced. This account is fraudulent. There is no prior debt communication from XXXX XXXX XXXX , XXXX - XXXX   XXXX XXXX XXXX, MN, XXXX, XXXX XXXX. XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA, XXXX Date - XX/XX/XXXX Reference # XXXX Creditor name : XXXX XXXX, XXXX Creditor account : XXXX Total due : {$440.00} These 2 charges have surfaced when there is no indication of any communication by the bank of there being a default. The impact on my credit has been extreme. In XXXX my score was XXXX and currently it is at XXXX which is impossible. 

The financial harassment and actions by banking subsidiaries has reached a point where they have made it impossible to get credit that is extremely detrimental to my business as a long time resident of DC.

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 2019-01-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NY
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:
My issue is with XXXX XXXX Credit Card. I have been using this card for 20 years and never missed a payment. I was victim of identity theft and someone made $ XXXX in charges. I let the charge company know right away, sent police report and they are dragging there feet in removing it. I need help know. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, NY 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 monetary relief
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: TN
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:
I have an account on my credit report XXXX and Equifax from XXXX XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX  removed the account but XXXX and Equifax will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my XXXX and Equifax credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company Second Round LP which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 EQUIFAX : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, Equifax and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : 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 XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Southwest Credit Systems, L.P.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received multiple calls from the company, Southwest Credit Systems, after multiple harrassing phone calls I spoke with a rep and was told I owed a debt and immediately asked how I wanted to pay, I was never asked if the debt was mine nor was I asked about disputing. I know the laws so I informed the rep I am not aware of the debt, I was disputing it and requested verification. A few days later I received a letter from Southwest, again stating I owe them a debt and I had 30 days to dispute the debt in writing even though I had already disputed and requested verification. I sent them a response letter days later and stated in writing that I was disputing the debt and again asking for actual verification and I informed them that a simple letter from them stating I owe a balance was not sufficient verification. They have not provided any verification but have now started reporting the alleged debt to all 3 credit agencies and they have " re-aged '' the alleged debt stating I have an account with them opened this month. This is complete fraud, false informing, harrassment and blantantly illegal as they are aware of all these violations and clearly have no verification of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have freezes on all my credit reports. While attempting to purchase a vehicle yesterday, I called Equifax and spoke with an agent to get a temporary lift of the freeze. I spent 20 minutes on the phone with the man. He kept asking the same question 7 or 8 times about credit cards. I gave him the required information on the current cards but he kept asking about old cards, maybe 10 or 15 years old. How am I supposed to answer questions that long ago? I provided all the details about current cards, yet he insisted he could not verify my identity. He did not ask for past employers, past addresses or any other type of information that would have been relevant. Because I did not remember a store credit card from 15 years ago, he did not onlock my credit. This is MY credit information, yet I was denied access to it. Even the car dealer says they don't like dealing with Equifax. I was able to finally get it unlocked through the online website. XXXX  was quite easy to get unlocked. It is really a poor decision for banks to rely so much on Equifax.

Company response to consumer: Closed with explanation