BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-09
Company: Sequium Asset Solutions, LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owned a house in XXXX, on the XXXX XXXX of Hawaii in XXXX. In this house, I had XXXX XXXX XXXX to tv and internet. 
Due to the volocano and fire, the house was destroyed and currently and as in XX/XX/XXXX, the property was covered in 80 to 100 feet of lava. There is NO way to get to Property, Everything was Destroyed. 
I was in contact in XXXX and XXXX with XXXX  regarding this. 
The cable box was burnt up and destroyed which I believe is the basis of this bill they say I owe for {$280.00}. XXXX  told me that I would Not have to pay for this and they would take care of this. Many, many phone calls, this continues to be a problem. 
The collection agency contacted me last year. I wrote them a explanation on this problem and they said they would take care of it. 
Since XXXX  told me I would not be responsible for owing or returning this equipment, which COULD NOT be returned, due to this Natural Disaster, I am asking to have this removed from my credit report. 
It is a small amount of money and I have in Good Faith, followed the procedures and talked to XXXX  over and over about this. 
This lava flow with a Federal Natural Disaster and is widely known to have occurred About 720 houses were taken out, I personally had 2 homes lost, only one have XXXX XXXX. Address of property involved was at that time, Before Lava : XXXX XXXX XXXX XXXX, XXXX, HI XXXX, owners. No address, no access, no mailboxes, nothing Left, except for the presumed 80-100 feet of Lava covering Everything. Please help me resolve this, nothing else has seemed to work and what they told me and what happens are two different things Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays XXXX FRONTIER AIRLINES ANNUAL FEE of {$69.00}. No communication from XXXX, just SURPRISE - here 's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get XXXX to fix your bill if you can imagine!  Barclays ' customer service tactics must have been from XXXX 's school of " Why Are You Bothering Me? ". XXXX from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. XXXX from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball.

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 2020-09-23
Company: Experian Information Solutions Inc.
State: MD
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: Problem getting your free annual credit report

Complaint:
Experian would not allow me to receive my free credit report through their website, so I mailed them a request for a credit report. I mailed the same request to XXXX  at the same time, and received my credit report from them on XX/XX/2020, but have yet to receive anything from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: ECMC GROUP, INC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have received a postal communication from " XXXX XXXX XXXX XXXX '' about unpaid student loan recovery on XX/XX/2018. They have threatened to withhold my wage if loan is not paid. I have never taken any student loan. I believe this is a case of identity theft. Please take necessary steps to ensure this does not happen again.

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 2021-11-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Between XXXX XXXX of this year, I contacted Macy 's credit card department via secure message to inform them of my financial situation. In the first message, I asked to be contacted by email or my mailing address. Each time I sent a message, I received the same message from them. It seemed generated and directed me to call them. Between XXXX XXXX, I submitted another secure message, this time ceasing all telephone communications as per Fair Debt Collection Practices Act ( FDCPA ). Because these messages were being ignored ( continued calling ) & the responses given were all the same, I mailed a CEASE letter to the address provided for correspondence on XX/XX/XXXX. According to the tracking, this letter was delivered on XX/XX/XXXX. With each submitted request, this company was given plenty of time to remove my number from all their communications. Unfortunately, this company has refused to do so and calls have continued. In one day, I receive between 6-8 calls from this company alone. I refuse to answer, and this company can not harass and annoy me to answer. Whatever this company is trying to communicate through these calls can also be communicated in an email or letter sent to my address. I have already communicated with them regarding this debt and provided 2 other ways to communicate with me. These harassing and aggressive phone calls are not going to make money that I do not have suddenly appear. I know this company is within its rights to collect this debt ; however, they can not do it by violating my rights. Again, I have made every legal action and attempt to communicate with this company regarding this debt. by sending a letter detailing my financial situation as well as ways to communicate with me. This company has refused to comply with my written requests to cease all telephone communications. This company does not have the right to continue to violate my rights because they do not like or accept the response given regarding my financial situation and this debt. I am unable to resolve this matter amicably and professionally. This is the next step.

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 2020-10-09
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:
Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report Attached is Experian credit report reflecting : o XXXX  XXXX Count starting as XXXX, {$1700.00} Balance o Another Experian credit report reflecting the account ending in XXXX, Balance {$1700.00} o Another Report reflect account number as XXXX, {$1700.00} Balance These are the same account, same amounts, different numbers, and should be removed immediately. 

The Experian credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: NJ
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: Problem getting your free annual credit report

Complaint:
Equifax 's automated systems to request a credit report do not work. I failed both the web site and automated phone system in XXXX and XXXX because they say I am incorrectly answering the questions used to verify my identify. For example : they ask how much my car payment is when I do not have a car loan. I was concerned, at first, that someone had stolen my identity and used it to take out a car loan. I eventually found a phone number to call where I could speak to a human for 1/2 and hour until they were able to verify my identity and send me the report by mail. The person I spoke to said there is no way for him or me to contact technical support to find out why this keeps happening, and that I will have to do the verification by phone each year to get my report. 

I have a very uncomplicated credit history and am able to pass the identity verification on the other to credit reporting companies in seconds. 

If this happens to you, the Equifax customer service number to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Affirm Holdings, Inc
State: NC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of fraud & identity theft. I contacted XXXX  and Experian TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXXXXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a zero balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : 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 non-monetary relief
Consumer complaint received 2019-07-01
Company: Bread Financial Holdings, Inc.
State: NC
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 disputed this account with the credit bureaus to no avail. This account is no longer open, nor does Comenity hold this debt anymore. It was sold to a collection agency. However this account is being reported by both Comenity and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute several incorrect account information that Experian Credit Reporting has on my credit report that is causing negative impacts to my credit. I have sent them a letter requesting that they correct the information and they have not responded, neither have they made the correction. 
All XXXX accounts listed on my credit report have a {$0.00} balance and they continue to list them with {$270.00}, {$180.00} and {$78.00}. 
XXXX Account also has a {$0.00} balance, and they list it as a {$130.00} balance.

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 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On numerous occasions since XX/XX/2019, I as well as several other mutual customers have attempted to do a wire transfer and ACH transfer to XXXX XXXX  in XXXX XXXX, NV at routing # XXXX and Bank of America continues to deny that it is not a valid routing number and will not make the transfer causing huge conveniences to myself, other customers and XXXX XXXX  staff. XXXX XXXX  if a federal insured domestic financial institution and XXXX is a valid, funds receiving XXXX with the federal reserve. BofA refuses to update their database or acknowledge when provided details that this routing number is accurate. BofA customers are unable to transfer THEIR money to XXXX XXXX  because of this issue and have to find other means to transfer the money at much higher costs. I have spoken to representatives at BofA and asked for this to be escalated to the technology department and they refuse and just tell me " The system doesn't recognize it. There is nothing I can do '' which is ridiculous. All Bank of America needs to do is have their technology team update their database to recognize XXXX XXXX  and routing number XXXX and this will solve many headaches.

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 2019-07-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a duplicate collection in the amount of {$140.00} for the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item 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 non-monetary relief
Consumer complaint received 2019-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. Per the letter sent by collection agency sent previously the date of expiration should have been XX/XX/2019.

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 2020-10-09
Company: BOK FINANCIAL CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with another instituation and this loan was paid off on XX/XX/XXXX. In that process, the escrow with the original lender was to be refunded to me and was identified as due to me on the loan closeout statement from BOK Mortgage in the amount of XXXX. I checked my online account and the loan showed as closed less than a week later and showed the amount to be refunded to me in the system and contact informaiton for me was confirmed as correct and a check was to be mailed. After over a month of not receiving the check I called the company on XX/XX/XXXX and complained and was told I should wait another 10 days to receive a check and I refused and requsted that the check be issued a stop payment and a new check be issued immediately. They agreed and stated it would be mailed and should be received within 10 days. 

After again not receiving the payment within 10 days, I called on XX/XX/XXXX and was told that the original check was issued a stop payment and a new check was NOT issued. The bank continues to un-lawfully hold my money and earn interest, etc. and appears to actively be aiming to delay issuing my refund for as long as possible! 

I demanded that a check be issued and over-nighted to me to ensure receipt and was told they would take another 3-5 days to print the check and could not confirm when the refund would be issued or when i would receive it. I was clear with them that I was aware of CFPB Regulation # XXXX that governs the timely distribution of Escrow refunds and that this immediately needs to be resolved. I received a call from a supervisor after hours, and i returned the call but only reach voicemail. Now today, i have placed a second request with general customer service to have a manager call and resolve the issue so a check can be issued and i have not received a call back. 

Please help! This is a significant amount of money that is important and needed to support my family, during a pandemic no less. Just another example of a major financial institution demonstrating that I am just another number and not important. I hope the CFPB can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 disputed this account with the credit bureaus to no avail. This account is no longer open, nor does XXXX hold this debt anymore. It was sold to a collection agency. However this account is being reported by both XXXX  and the collection agency. This is dragging my credit score down significantly since 1 debt is being reported twice.

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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 XXXX XXXX have disputed an item with Capital One on my credit report. And the company have fail to comply under U.S.C 1681S-2 } ( A ) ( 3 ) Duty to provide notice of dispute in the completeness or  accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer. Capital One are required by federal law to place notice of dispute on my account within 30 days of my dispute which they have signed for on XX/XX/2019. I have retained a copy of Capital One signature and date of receipt as well as a time stamped copy of my credit reports showing that they have violated the Fair Credit Reporting Act. By not placing the disclosure within the required 30 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for Experian credit report in XX/XX/XXXX and paid the XXXX $ trial fee. I then on XX/XX/XXXX canceled my account. However, though it shows account is closed on the Experian dashboard and I have an email showing this, I was charged XX/XX/XXXX for another monthly fee of XXXX $ Due to this I was also overdrafted from my bank and charged a XXXX $ overdraft fee. 

I have tried to call all of their numbers and can not connect to anyone to dispute this or ensure the account is closed. I would like to report Experian for Fraud on my account of charging me this monthly fee after having closed the account over a month ago.

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