BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX has failed to send out fraud forms and readjust the balance on my account including the minimum amount due due to fraud charged on my credit card. Additionally they have reported to the credit bureaus that I am 30 days late on a payment, I have lost the card 2 months ago and I have not been able to log into the account online due to it being blocked.

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 2020-05-08
Company: HEAD MERCANTILE CO., INC.
State: MS
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 notice a collection on my credit report from HEAD MERCANTILE CO I ON XXXX XXXX that are sharing my content without my consent and violating the Hippa law as well. i am asking for the alleged debt to be validated and cease and desist all collection activity until other wise proven cause I'm having great stress behind this negative information reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in 2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX  ) or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # 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 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 an account without my written instructions

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 2018-02-20
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent Validation letter via certified mail and was received by company on the XX/XX/XXXX. Im response the company could not properly validate debt. The petitioner also released PHI to this third party. They should have required a release of information and I did not sign one with the above company. Regardless, the company could not provide proper validation and only sent an itemized statement

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 2019-02-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a bright green notice on the front of my property from the Tax collector ( XX/XX/XXXX ) indicating that my property was up for auction in XX/XX/XXXX, due to non-payment of taxes for XX/XX/XXXX/XX/XX/XXXX. I have all my taxes and insurances escrowed in my mortgage payment which I have never missed since purchasing the property at the end of XX/XX/XXXX. I attempted numerous times to contact XXXX XXXX XXXX XXXX and they referred me to the tax collector -- and I never was able to get a resolve because the taxes were not paid and the tax collector stated I needed to settle this with my mortgage company. After several months I became increasingly concerned - having checked my escrowed amounts online and seeing that all was escrowed in properly. I contacted a lawyer to assist me. During the course of his investigation he stated that finally the tax collector had a long conversation with XXXX XXXX which stated they had actually mistakenly applied the tax payments on the property to a parcel listed under my address but in a different location???? How can that be? Suddenly, my taxes all were paid within a week. Thinking this was resolved, I was relieved. The next mortgage bill was drastically higher - $ 900+ which showed that they actually " fronted '' my " shortage '' of paying my taxes and now required me to pay an additional {$900.00} a month in my mortgage payment til I am " caught up '' at the end of this year. The total they stated was the amount escrowed that they stated was paid by them on the late taxes. I have paid a lawyer over {$3000.00} to not be resolved yet. I paid my mortgage amount in XX/XX/XXXX and they cashed my check but still showed I am in arrears on the amount they say I owe them. I just received a notice from them that they will no longer accept any amount of mortgage lower than their required amount of over {$2700.00}! I have forwarded all this information and documentation to my lawyer who is trying to get this resolved but has not yet succeeded. I also had received a letter from the " Chairman '' stating that they were looking into this and would let me know the results. I have yet to hear a result. My lawyer has requested XXXX  audit my account and has not been given any results as well. They have admitted to improperly paying my property taxes that were escrowed into my mortgage on a parcel that was listed as my address but was not my property? This is fraud. Now I am being forced to have my credit ruined due to their error and am locked out from paying my mortgage by them. I need help! I need this to be resolved before my credit is ruined. I have a monthly lawyer bill and he can not even get a resolve after nearly 6 months as well as now a " late fee '' on my mortgage payments each month for the " overage '' they say they paid for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in its entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- > XXXX XXXX Not Proven Compliant Account -- > XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CITIBANK, N.A.
State: MO
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:
THIS IS REGARDING A XXXX/CITIBANK CARD ACCOUNT THAT WAS DISCOVERED EST. XX/XX/'17 SHOWING BEING REPORTED AS NEGATIVE ON ALL THREE CREDIT BUREAU ACCOUNTS OF MINE. THE ACCOUNT REPORTED IS LISTED AS " XXXX '', WHICH WOULD BE THE LAST XXXX OF THE FULL XXXX ACCOUNT. I DO NOT HAVE TE FULL ACCOUNT NUMBER.. 
In late XX/XX/2017, I contacted the FTC who advised me to send a certified mail letter to XXXX/Citibank that demanded XXXXhat they verify the validity of the account by providing a copy of my original signature for my examination and comparison. I made a mistake demanding the 7-day limit to comply, which should have been instead 30-days. However, the FTC said that it did not matter because XXXXCitibankwould know that if they failed or refused to comply within 30 days, then the regulations force the creditor to immediately .and permanently and completely purge/delete the reporting from all three credit bureaus. 

I also contacted all three credit bureaus rewarding this specific matter, but only XXXX XXXX has cooperated to delete the reporting. XXXX and XXXX only make the statements that " has been verified by creditor, but 'debtor ' disputes ''. That statement does nothing for me in a situation where the account should by FTC regulation have been long ago deleted. I've been fighting this for more than 150 days, much longer than the statuatorilyt required deletion after 30 days after XX/XX/2017 -- when XXXX/Citibank were notified by fax and certified mail.

See the several pages of PDF attachments with yellow my highlighted comments and clarifications.

THIS MATTER IS REALLY DAMAGING ME, AS I HAVE NO OTHER NEGATIVE CREDIT ISSUES, AND OTHERWISE QUITE A CLEAN, POSITIVE CREDIT REPORT. I AM ELDERLY, HAVE NOT FOR 10+ YEARS NEEDED TO USE CREDIT, BUT NOW HAVE A REASON TO DO SO -- -BUT XXXX/CITIBANK AND XXXX  AND XXXX  ARE SERIOUSLY IN MY WAY.

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 2021-09-09
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime abruptly ended my account for no reason at all. They claimed my account may not have been in compliance with certain terms of the Deposit Account Agreement, yet they refuse to give me a specific, legitimate reason as to why my account was closed so suddenly. Not to mention that the funds on account might not be received in the mail for up to 30 days. Is it anything I can do? At this point I was just to be able to access my funds immediately instead of having to wait 30 days. My business with Chime is done, which is unfortunate because I have been a Chime member for a couple of years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I received an alert stating there was potentially negative information on my account. I called the credit monitoring company who stated I needed to call the lender. I had to wait until XX/XX/11 to do that. I called the lender who stated they had no record of the reported account in my name, so recommended I call the credit bureau. I called the credit bureau and could not get through to a person. I called the credit monitoring company again who gave me a different number to call stating it was for a live person. It was still for a recording and I could not get through to a person. I started a dispute online and they gave me yet a different number to call because it appeared to be fraud, but I could not speak to a person nor could I enter any information about my situation. I was on the phone for 45 minutes before the computer system disconnected me. I have also yet to receive a confirmation of the online dispute or that it has been received.

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 2018-10-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was transferred to Santander Bank, N.A. from our original lender two years ago, and for the past two years they have failed to provide us basic documentation with regards to our account. We don't always receive monthly statements and we never received a complete statement outlining the details of the mortgage transfer from our previous lender. We have also repeatedly asked them if we are able to find any of this information via a self-service portal, but they have failed to provide such a service to us. 
Now, we have been fighting with their customer service team for over a month ( since XX/XX/2018 ) just to try to get our XXXX form for taxes which they are legally required to provide to us! It is now XX/XX/XXXX and our accountant can not file our taxes by the XX/XX/XXXX tax deadline due to this missing document! We have spent over 3 hours on the phone with them this morning trying to resolve this issue and they still refuse to provide this document to us in a timely manner. As a mortgage servicer, the XXXX form should be a standard document that they provide all customers. If they can not provide this simple form and other simple documentation to us, then what else are they making errors on?

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 2018-04-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
USAA FEDERAL SAVINGS BANK reporting credit inquiry never applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Jefferson Capital, stating that I had a collection for XXXX XXXX. I have never had an account with XXXX so I dont know how I would owe them anything. 
I called XXXX, but they would not speak to me about an account the is in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: SYNCHRONY FINANCIAL
State: IL
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 had a credit card with Gap Visa Card by XXXX XXXX The website is so not user friendly. I tried to set up an automatically payment, but it kept rejecting my XXXX checking account. So I had to set up manual payment through my checking account. They charged late fees on me once, I complained, but this month charged me again. They never even tried to help me to set up an automatic payment I wanted. This month the payment due date was XX/XX/2018. But it shows my payment was delivered on XX/XX/2018. I already cancelled the card.

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 2018-04-13
Company: JPMORGAN CHASE & CO.
State: LA
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 reviewed my credit report and there are several items, that aren't correct. I have a inquiry from Chase Bank, datedXX/XX/XXXX This is not my inquiry, I did not apply for any account with Chase, nor did I authorize them to pull, my credit.

XXXX XXXX XXXX, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call XXXX XXXX XXXX  on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called XXXX XXXX XXXX  two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and XXXX   placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file isXX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month ofXX/XX/XXXX? If I made the last payment onXX/XX/XXXXand it XXXX out the balance. How can I be late on the payment, for the month ofXX/XX/XXXX. This is a error and I would like it removed off of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checkings account with Wells Fargo Bank, and I keep receiving emails from them charging me overdraft fees for debit transactions that were paid. I received an email from Wells Fargo on XX/XX/XXXX stating two transactions that posted XXXX XXXX XXXX XXXX XXXX for {$63.00} and XXXX XXXX for {$13.00} overdrew my account on XX/XX/XXXX and I was being charged a {$35.00} overdraft fee. My XXXX XXXX XXXX payment is setup to be automatically withdrawn every month, and I had over {$200.00} in my checking account to cover the cost of these transactions. I called and spoke with XXXX, Wells Fargo Representative on XX/XX/XXXX. XXXX removed two overdraft fees {$70.00} total, and I asked to have Overdraft Protection removed from my account. I received another email from Wells Fargo on XX/XX/XXXX stating a transaction that posted XXXX XXXX for {$62.00} overdrew my account on XX/XX/XXXX and I'm being charged a {$35.00} overdraft fee. My XXXX  payment is setup for automatic withdrawals every month, and I did have funds in my account to cover this transaction. I called and spoke XXXX on XX/XX/XXXX in which, I explained that that all three transactions were covered and that I should not have been charged an overdraft fee. XXXX stated that I had a balance of {$6.00} when the XXXX XXXX  transaction was made, but that's not true at all ... I had a balance of {$86.00} which left me with a balance of {$24.00} after the XXXX XXXX transaction of {$62.00}. I stated to XXXX that I wanted to file a complaint because Wells Fargo is trying to scheme myself out of money, and they tried to scheme me in the past the very same way. Also, I stated to XXXX that I was going to submit a complaint with CFPB. I was placed on hold and never transferred to someone to file a complaint, and the call abruptly ended. Wells Fargo Bank previously had lawsuits filed against them for breaking laws, and now I'm extremely concerned because I have Direct Deposit setup with them.

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