BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On five occasions, Best Buy credit card attempted to withdraw money from my savings account even though the information they have is for my checking account. Their procedure is to attempt the withdraw 3 times, so on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Best Buy attempted the withdraw from my savings account and I was hit with a {$34.00} fee each time due to insufficient funds since the funds were in my checking account. XXXX XXXX XXXX XXXX XXXX graciously refunded me half of the charges, however, Best Buy would not refund me the remainder. I added a different banking account at that time and paid my XXXX bill, and was told no payment would be attempted from the XXXX account. I also cancelled my autopay. However, in XXXX, they again attempted to withdraw the money from my savings account twice, on XX/XX/XXXX and XX/XX/XXXX and I was again hit with two {$34.00} charges. I spoke with XXXX with disputes and XXXX with operations ( XXXX ) and XXXX ( operation number XXXX ) who all told me it was not their fault and that they would not be able to refund me the fees.

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 2018-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a bill from PRA Receivables attempting to collect on an account formerly owned by XXXX Bank. The charges on the account were disputed due to there being charges not authorized on my account, and I refused to pay on those charges, or the interest/fees accrued as a result. XXXX Bank sold my account with the full knowledge that these charges were not valid. PRA has refused to verify the debt, and has refused to provide the documentation I requested on XX/XX/2018 for such verification. I sent a followup notice on XX/XX/2018 to notify PRA that any further collection efforts violated FDCPA, and I have received 2 bills by mail since, but still there is no sign of the documentation I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Stenger & Stenger, P.C
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a civil court summons for {$720.00} from Stenger and Stenger... attempting to collect for XXXX XXXX  from the originated with XXXX XXXX XXXX 

I have disputed the accuracy of the {$720.00} multiple times in 2021 as well as replied back to a paper bill from XXXX  and requested documented validation of ownership and accuracy. 

I never received it. On XXXX I received a civil summons and I still do not have documented validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today just a few minutes ago Wells fargo sent a letter to XXXX  and I will attach it. They didnt ask for more time there saying something totally new and false. I am not owed a refund and my truck sold for XXXX and I owed XXXX neither are true. I am starting to really wonder what is going on at wells fargo being they told you all 3 times today there still working on it. 
Lies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been reaching out to Sallie Mae for over a year to resolve this matter. 

I called to process a payment over the phone and the representative updated my bank account information with an incorrect number...

I was not made aware of the error until the payment was declined due to error message "Account Not Found"

I asked the rep on the phone to repeat the account number back several times; however, she ensure it was correct.

Well about 38 days later they updated credit report as late because of their own personal error on 3 of my accounts...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i have owned my home for 20 years and shellpoint mortgage just bought my mortgage in XX/XX/XXXX from XXXX XXXX. They wont take any payments from me and files for foreclosure. I was in a bankruptcy chapter XXXX from XXXX to XXXX and paid double payments of {$980.00}. My mortgage was XXXX and i paid {$430.00} a month for 13 years, and i paid XXXX for 5 years. At the end of the bankruptcy XXXX said I was making wrong payment and was still behind. I paid over XXXX in 5 years. So thats impossible, and now till me i owe XXXX, thats more then i even started with. XXXX added XXXX to my mortgage in the bankruptcy and now shellpoint is doing it. In reality I should only owe about {$35000.00} left on my mortgage. My bankruptcy was handled wrong and Im being overcharged completely for somthing I didnt do. I paid what the Judge told me to and never had a problem paying my mortgage. I am not on XXXX and connot work but I do recieve ssi of XXXX a month. I stopped working in XXXX and went from making XXXX to XXXX a year.XXXX XXXX XXXX said I owed XXXX in XXXX and I paid XXXX from XXXX to XXXX in chapter XXXX plus I made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and then XXXX stated I was declined for modification. I need help, my mortgage is being handled wrong and so was my chapter XXXX. I dont want to lose my home. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions 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 was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The EXPERIAN data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and XXXX show XX/XX/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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have paid off the balance to my credit card back in XX/XX/2021 and the credit card company is not reporting correctly to the credit bureaus the balance should be XXXX they are reporting i have a balance of XXXX dollars also they reported the card closed when it shouldn't be closed this has caused me stress time from my job to keep calling and getting refused an apartment

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2022-08-08
Company: Prosper Marketplace, Inc.
State: GA
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:
On XX/XX/2022 I made a payment online for my prosper card of XXXX it went through. I did not see it come out my account called the company they said account is restricted. The card is connected to my bank account to make the payment. This is the second time this have happened. The first time I was told it was a system error they said they was aware of this and they waived the late charge. This is happening everytime I make a payment online that it is restricted. This is happening alot with other customers also with this restriction when making a payment. The company is acting like I did something wrong like putting in a wrong number this is not true.

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 2020-09-18
Company: ALLY FINANCIAL INC.
State: OH
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 have contacted Ally several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

1 ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} 3 ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} 5 ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) 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 2020-06-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
***Hello to whoever might read this, my name is XXXX XXXX XXXX I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Brennan & Clark, Ltd., LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by personal phone and email. Then, without my giving it to XXXX XXXX, and without my permission, he proceeded to call me at my place of work and email my work email. I contacted the original business I when indebted to and made payment and payment arrangements. He emailed me again. I told him that I had made payment and arrangements for further payment with XXXX ( the company I was indebted to ) and that I was handling it through them. He continued to email me saying there were no payment arrangements made. I responded telling him again that I made payment and XXXX told me I could make another in a couple of weeks and that I was not going to discuss it any further with him and to remove me from their contact list or that I would report him. He emailed me again trying to tell me they have no payment arrangement set up with me and that I needed to send him proof by the end of business day. I blocked his emails and called XXXX and reported the matter and they said they would contact him and tell him to stop. THIS WAS TOTAL HARRASMENT even AFTER I made payment and worked it out with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information being stolen by ID theft, they opened multiple bank accounts and applied for mutiple loans under my name in the country. 

I contacted those fraudulent bank accounts and most of them being closed and investigation completed, and my fraudulent debts were disputed. 

Multiple fraudulent accounts, as below already solved. 
XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX XXXX XXXX XXXX, account ending XXXX ; XXXX, account ending XXXX ; XXXX, account ending XXXX ; In this report, I claim for the fraudulent Bank of America Bank account, ending XXXX. 
I require to dispute this fraudulent account under my name. 

I already filed ID theft, frozen Credit report in the Credit Bureaus. I filed the police report in XXXX XXXX, case number XXXX. And federal Trade Commission case number 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 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-08-19
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have called Equifax and my credit report is behind like 4 months. Other two XXXX and XXXX have been updating correct info. I have called Equifax and I was told I needed to contact everyone on my credit report. I have called and I was told they have been reporting to all three bureaus. My car loan has not been updated and my two new credit cards have not been updated ( open in XX/XX/XXXX and XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
For years I've been disputing addresses, inquiries, balances, accounts, and collections with proof. The credit bureaus have ignored my certified letters, long before covid. Now its almost impossible getting them on the phone. For instance every single time I dispute nonpermissable inquiries the credit bureaus respond simply by saying the inquiries are 'factual ' ... I thought the burden of proof are on the bureaus? I also disputed the inquiries with the creditors ... they just point to the credit bureaus. Lets see what the XXXX XXXX 'XXXX  ' XXXX does ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Guglielmo and Associates
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
PREVIOUS CASE NUMBER : XXXX NOT RESOLVED NEW PROBLEM. On XXXX XXXX, XXXX, I send by signed return receipt a letter XXXX XXXX XXXX to settle my balance after making XXXX {$100.00} payments. I specifically stated to contact me by mail only due to lack of telephone responses on their part. I have not received one piece of mail countering my offer and now on XXXX XXXX without ANY WARNING I 've received an order to execute garnishment on property or wages. I have made many offers to settle this account and have told them I am on social security only. XXXX XXXX XXXX, who told me he did n't care that I was on social security, and there is nothing he can do to accept any of my offers, is bullying me. I have a part time job paying {$250.00} a month to buy groceries an I was willing to find a way to get a settlement with XXXX XXXX but all he wants to do is argue and demine me. I can not afford to have my wages garnished as I am on social security only. This XXXX XXXX XXXX. has never contacted me by mail when the filed my bank account be taken which is my social security and is exempt. NOW THEY NEVER COUNTERED MY OFFER BY MAIL AS I REQUESTED AND NOW WITH NO NOTICE THEY FILED TO GARNISH MY WAGES. I have tried so many times to settle with this company BUT ALL THEY DO IS YELL AND XXXX AND TRY TO BE SLEEZY AND SNEAKY TO GET AT MY EXEMPT MONEY. I WILL be going to a judge to get a stay on this garnishment as I feel that the practices of debt collection from XXXX XXXX XXXX. IS COMPLETELY DISHONEST. They just bully the XXXX out of you and get judgements passed WITHOUT ANY NOTICE. THEY NEED TO BE LOOKED INTO FOR UNFAIR TREATMENT TO ME AS A SENIOR CITIZEN AND I 'M SURE THERE ARE MANY OTHERS THEY BULLY. I have done my part to settle this with them.

Company response to consumer: Closed with explanation