BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NJ
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 have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.

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 2021-02-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  - XX/XX/2016 - This Credit File does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CL Holdings LLC
State: WI
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:
on XX/XX/2021 Jefferson capital systems llc put a collection on all three my credit reports for a cell phone bill with XXXX cellular. I want a debt validation letter or I want this account removed from the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: CITIBANK, N.A.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however Best Buy has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.

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 2020-11-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Citi to make a payment arrangement on XX/XX/XXXX, whereby my account would be closed ( i.e., no further charges ) but the interest rate would become 0 % and I would make 60 equal monthly payments of {$87.00} starting on XX/XX/XXXX, which Citi would take automatically out of my checking account. At the end of 60 months, my Citi balance would be {$0.00} and the credit card would be considered paid off in full. 

Citi failed to take {$87.00} out of my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Instead, according to their most recent statement on XX/XX/XXXX, I have a minimum payment due of {$990.00}. I called Citi and they acknowledged verbally that the payment arrangement of XX/XX/XXXX is valid but that Citi 's computer systems have failed to process it correctly. The matter is being reviewed by Citi 's " offline team, '' but so far they have taken no action to correct the problem. 

In the meantime, Citi 's computer system has generated demand letters to me for the minimum payment due as " reflected on [ my ] monthly statement. '' The Citi letter states that they " may report information about your account to credit bureaus. '' The persons I spoke to today at Citi are unable to do anything regarding credit reporting, but they did confirm that such credit reporting is done automatically by their computer. 

It's pretty obvious at this point that Citi 's " offline team '' is taking forever to fix their processing glitch and that I am likely soon to be vicitimized by Citi 's computer 's automatic false negative report to credit bureaus, which will no doubt cause me harm ( such as potential denial of new credit from other creditors, or denial of a job by a prospective employer! ). 

I have tried to no avail to escalate the matter within Citi. XXXX, employee ID XXXX, account manager at Citi, is the highest level person I have been able to speak with. He is arranging for his manager to give me a call back within 3 days, but XXXX says that he or she operates from the same operating manual as XXXX and therefore won't be able to offer me any relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NJ
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:
Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2018 This collection account unlawfully appeared on my credit and I havent received any noticed from the collection agency. I am unaware what this debt is for and Im not responsible for this balance. I would like account to be deleted permanently without being sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Credit Services Corporation, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I made a payment for my loan. The company is trying to claim it got declined, but I had the money removed my account and not returned. I have made a payment every month to them ; on two accounts they took two payments when I authorized only one. I had one of each of those returned, but the other payment remained active. I was told BY THEM that I had to file with XXXX for a return, which they have the call recorded of me being told this. I did that, and now theyre claiming I didnt pay, when my banking accountant statements say otherwise. I went through my receipts every single month, and yes, there is a payment to them for every month. I have also sent them the evidence and required paperwork, but they refuse to acknowledge it. I do not owe them ; if anything, they owe me, and the EXTREME negligence in the handling of my debt needs to be handled by someone else, as obviously theyre too incompetent to do it themselves. I am harassed every month since by them when I do not owe them for an errant month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: CCS Financial Services, Inc.
State: TN
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 at XXXX XXXX XXXX, XXXX MA XXXX has placed a collection in the amount of {$210.00} on my credit report with XXXX. The original creditor is XXXX XXXX. This is a result of Identity Theft. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft. I filed Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX in XXXX and XXXX. I have not received mail or correspondence from XXXX XXXX XXXX or XXXX XXXX regarding debt in the amount of {$210.00}. However I am regularly contacted by odd telephone numbers throughout the day from a company that refuses to identify themselves unless I provide my date of birth and other personal identifying information. I am a victim of identity theft and will not provide that type of information by phone. I have attempted to resolve this issue with XXXX XXXX XXXX   however they are claiming that they can't identify this collection. There is no account number listed with this collection on my credit report and I have not received mail or correspondence from XXXX XXXX XXXX   Please remove this collection item because its a result of identity theft and fraud. According to the alerts on my credit report this company has added a new address to my credit report. Please remove the address that you included on my reports because it is also a result of fraud. I filed a complaint and police report with the XXXX XXXX XXXX County Police Department regarding identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My concern involves how my escrow account is being handled by Rushmore Loan Management Services. My property 's flood zone was updated by FEMA which no longer required me to carry flood insurance. I cancelled my policy with my insurance company in XX/XX/XXXX and contacted Rushmore to remove the flood insurance policy from my escrow account. I mailed in the cancellation documentation at Rushmore 's request. They confirmed receipt of this documentation and a customer service rep told that they would remove the flood insurance from my account and when an escrow analysis was done at the end of the year, my payment would be updated and I would be refunded for the funds that had been escrowed for my flood insurance. Instead, when the escrow analysis was done inXX/XX/XXXX, flood  insurance was not removed and an account disbursement was noted for payment of flood insurance that was never billed. A customer service rep confirmed for me that funds were taken out of my escrow account to pay flood insurance but would not tell me where the funds went since there was no flood insurance bill to pay to the insurance company. I was told it would take 30 days for the funds to return to my account and then they could consider doing an escrow analysis to update the escrow account, refund me for overages paid and adjust my monthly payment. Upon further review of my incorrect escrow analysis, I grew more concerned when I noticed that myXX/XX/XXXX payment to my escrow account was not accounted for on the analysis. It seems that instead of reconciling my account and investigating why flood insurance was still a line item on my account, Rushmore conducted fraudulent activities to justify carrying and collecting an illegal surplus of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : This letter is regarding this account which you claim I owe this debt. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 15 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Information belongs to someone else

Complaint:
I have made many attempts to get accounts removed from my Experian credit file. These items do not belong to me. Can you please assist me in getting this matter resolved with Experian. My next step is to hire an attorney to help remove these accounts and personal information that is not mine from Experian. These incorrect reporting is seriously harming my credit when these items are not mine. Please assist me in removing the following accounts : The below items are Fraud Accounts that was not open by me : 1. XXXX XXXX XXXX for {$3500.00}, reporting on Experian 2. XXXX XXXX  for {$0.00}, reporting on Experian 3. XXXX XXXX  for {$810.00}, reporting on Experian 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian 5. 4. XXXX  XXXX XXXX for {$0.00}, reporting on Experian, XXXX 6. 4. XXXX XXXX XXXX for {$0.00}, reporting on Experian The following Address & Phone number information do not belong to me : 1. XXXX XXXX XXXX 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 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Claim number XXXX Account Number XXXX On or about XX/XX/XXXX, XXXX debited my checking account for the amount of {$770.00}. This amount was not authorized and I notified BofA on or about XX/XX/XXXX. BofA credited my bank account for the {$770.00} along with the NSF fee 's that came from the unauthorized debit in the amount of {$170.00}. BofA missed two NSF fee 's, so the total NSF fee credit should have been {$240.00}. 

On or about XX/XX/XXXX, BofA took the money back out of my account, and they also recharged my account for {$170.00} as well as an NSF fee. 

When I called BofA to inquire as to why they charged my account again, I was informed they never received the Unauthorized ACH debit form, despite me faxing it to them. I then faxed it to them again on XX/XX/XXXX and again on XX/XX/XXXX. This form was faxed to XXXX. 

As of this date, they continue to claim that this form has not been received. My account is overdrawn over {$900.00} and this banking error is negatively impacting me.

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 2022-11-16
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 recently checked my credit report and realized there are accounts that are not mine which I have no knowledge of. I am a victim of identity theft and am attaching my notarized affidavit. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-06-27
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received harassing letters from PHH Mortgage, almost weekly since XX/XX/XXXX, stating I owed money for insurance in an escrow account I do not have. I pay mu own insurance and taxes separately, I have on numerous times given the mortgage company my insurance policy information. I have called numerous times to work this out, no one wants to help or resolve this, they just continue to send me the same letters over and over, and now I have 2 letters of intent to foreclose. I don't know what to do. they have even tapped my credit twice, XXXX and in XXXX. I have given them everything they have requested. I am getting no where with them, same story month after month. I just want this to be cleared up and my credit fixed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent XXXX, Experian and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.

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 2019-09-09
Company: Pendrick Capital Partners Holding, LLC
State: KS
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:
Pendrick Capital Partners # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this complaint is continue for the case XXXX which was filed on XX/XX/XXXX. 

After the first complaint filed, the bank did contacted me and told me they are working on it, and transferred my case to their searching department. I was happy with their response. but they are very slow as they responded to this case like around 60 days. I also made my XX/XX/XXXX payment which I should pay and received on XX/XX/XXXX. 

I requested payment history, but I never received it from the bank. what they are doing is trying to collect the debt I didn't own. 

I can wait if they are doing searching, but their collect department keeps bothering me and my wife, trying to collect the money which I should not pay, it already interrupt our regular daily life. they don't have any communication between different deportment. their searching department response is very slow, but their collection depart is too active. 

If they couldn't resolve the issue with short time, please ask their collect deportment stop collecting the debt before they finish their searching job. Here I updated the supporting material in the attachment.

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 2019-09-09
Company: Resurgent Capital Services L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a notice in the mail ( regular mail ) stating they are going to garnish my wages from a very old employer. I have no idea who these people are. I looked online using a case number they provided to find I have a judgement from XXXX for approx {$2200.00}. I was never informed of such judgement. The amount they state I owe is now over {$3000.00}. I left a message and sent a letter asking for validation with no reply. I am unaware of any debt owed. Not sure how they got a judgement when I was never served or notified to begin with?

Company response to consumer: Closed with explanation