BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: FM
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 been challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.

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 2023-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i have sent several letters over the past 2 years to have information deleted form my report with all three credit agencies -- - -- XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections -- -XXXX XXXX XXXXXXXX -- - no data reported for year XXXX, then XXXX account in collections account are listed as closed -- - but have negative impact on score -ACCOUNTS NEED TO BE REMOVED DELETED IMMEDATELY HARD INQQUIEERES THAT I DID NOT APPROVE OR REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Best buy website has an offer on their TV to pay in 24 installments and they present you with the amount of monthly payments you would pay, in my case {$140.00} per month. 
At the check out I chose pay in installments option and went through the steps, at the end they told me that I will receive a credit card by mail, and only after getting the credit card they informed me that the amount they approved me for is insufficient to make the purchase, but the credit card has been issued already. 
I called Best Buy card service and asked them to cancel the credit card application, which they did. 
A few days later the credit card was posted to my credit report as a closed account. 
I called them back explained that I was trying to by a product using their installments offer but they didn't approve me for it and still issued a credit card. They refused to help me in and let me know that i can dispute it with credit bureaus but they will still contest the dispute. 
I have been scammed into getting a credit card I didn't need by using the pretext of giving me an installment. When I cancelled that credit card they punished me by reporting a closed account on my credit report, even though the account was a few hours old and I never used it.

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 2020-11-08
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was not informed that our loan had been transferred and I received nothing from the new servicer Roundpoint telling me that they would be servicing my loan or where to send payment. I had sent my XXXX payment to XXXX XXXX as usual on XX/XX/2020. The check was returned to me some time later, with an explanation that they no longer serviced our loan. When I finally spoke to someone helpful at XXXX, they informed me over the phone that my loan had been transferred and they were no longer my loan company. I received nothing in writing. I asked why my payment had not been forwarded to Roundpoint, and was told that the policy is to return the payment to the former client. 
I then contacted Roundpoint and asked for something in writing stating that they were our new loan servicer as nothing was sent to me either before or after my request for some proof of the loan transfer. I also asked for something stating to where the payment was to be sent and what was our loan number or any documentation to attach to the payment. I was not provided anything after 4 calls to Roundpoint. 
Roundpoint finally did send something in writing, a form document dated XX/XX/2020 Offering free Homeowner Assistance Consultation and multi-page documents for delinquent payers. This document had our new Loan Number and their address at least and I sent them 2 payments as they were indicating I was delinquent, when in fact I had paid on time to my then loan company XXXX. 
Without doubt, this has been an exasperating and disappointing experience. I was not informed my loan was sold, was not given instructions for payment and Roundpoint refused to send any loan payment instructions. In speaking with them over the phone I discovered that they didnt even have our mailing address. Our mailing address is XXXX XXXX XXXX. Our physical address XXXX XXXX XXXX is not a mailing address per the USPS and mail is not delivered to XXXX XXXX  XXXX. Our previous loan servicer had our correct mailing address. 
I pay my debts in a timely fashion and I find it almost incomprehensible that the poor business and customer service practices of Roundpoint Mortgage have adversely affected my good credit.

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 2021-01-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
Following a billing dispute. two disputed transactions # XXXX and # XXXX, there were two provisional credits on my account totaling {$720.00} after i made {$1000.00} wells fargo sent a credit balance of {$720.00} by check XX/XX/2020, check # XXXX, but had to be reissued on XX/XX/2020, with check # XXXX {$720.00}. I take wells fargo 2 month to issue a check to arrived, when that check was cashed it was return and bank has to charged me {$12.00} 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 explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.OnXX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXXXX/XX/XXXXand last used/paid off in XX/XX/XXXXXX/XX/XXXXMy account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

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 2019-10-23
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: Information belongs to someone else

Complaint:
To whom it may concern : I have been trying to remove accounts that do not belong to me but as the law requires, they need to provide physical proof before post fraudulent, outdated or inaccurate data in a consumer credit file. But they keep failing to provide the proof that FCRA requires for a third party reporter to post any account in a consumer credit file, they need to remove these accounts intermediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XXXX.My account was close in XX/XX/XXXX.I received a letter from XXXX dated XX/XX/XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.Please see all attachments

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 2020-07-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is actually 2 things simultaneously ( harassment and debt already paid ) XXXX XXXX XXXX has continued to call me and harass me about a current and paid as agreed American Express Account, that is OWNED BY AMEX. 

XXXX XXXX has called me 14X after I stated do not call me. 

XXXX XXXX is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with AMEX. 

XXXX XXXX today, called me about my American Express account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : XXXX Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, XXXX continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

American Express is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at America Express. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through XXXX. They just started calling me one day. 

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
After reaching a debt settlement agreement in XXXX XXXX XXXX Civil court, I commenced with the payments to XXXX XXXX as scheduled. For the final payment, they applied my payment to the wrong account and commenced collections on that account as a result. I have repeatedly submitted check images, court discharge paperwork, records of all payments, and fulfillment of my debt to XXXX XXXX directly, to all 3 major credit repositories, my credit counselling service ( freedom debt relief ), and to my legal counsel ( XXXX XXXX XXXX XXXX ) who claims to have confirmed the error with the opposing counsel at XXXX XXXX. However, XXXX XXXX has claimed a non-payment penalty every 30 days ( without sending notice to me ) for several years, reports non-payment and increasing outstanding balance to the credit repositories, and refuses to comply with the court ordered settlement agreement. My counsel doesn't respond to my inquiries. The credit repositories always find my requests for investigation in favor of XXXX XXXX. With 3 years with a constant non-payment on my record, I have been denied refinancing my mortgage and increasing my credit limit with my remaining accounts multiple times.

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 2023-01-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a simple interest loan. My car note is XXXX. I pay XXXX for each payment due. My payment XX/XX/XXXX I request that the overage XXXX be applied to my principle balance. My issue is they are not reversing the payment back to the date of the payment. Also if I pay early it is applied on the due date not the actual date of payment. I'm trying to reduce as much interest as possible. My payment XXXX reversed and reapplied XX/XX/XXXX causing me to accumulate 10 days of interest. XX/XX/XXXX ( principle only payment ) reversed XX/XX/XXXX, 5 days of interest. XXXX reversed XXXX, 4 days interest. XXXX reversed XX/XX/XXXX, 6 days of interest. XXXX reversed XX/XX/XXXX, 13 days of interest. XXXX reversed XXXX, 2 days interest. XX/XX/XXXX payment applied XX/XX/XXXX reversed XX/XX/XXXX, 10 days of interest added to my account, which has added XXXX debt to my credit causing my credit score to decrease by 32 points. I called 5 times and texted twice to have my XXXX payment reversed before it was actually done. I made a previous complaint about my request for reversal and as you can see it is increasing my debt and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 see multiple account, addresses and names on my credit report that I have NEVER opened, this inaccurate reporting is hindering me from being able to obtain credit

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 2020-07-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I learned of my identity being used for an apartment complex called XXXX XXXX XXXX due to the credit notification from XXXX, I immediately began calling I.Q. Data International to resolve the issue which was XXXX of XXXX and requested information from them. There was an apartment leased under my name in the year XXXX. The letter I've received from them was handed to my local police department to amend to the police report. I've submitted information to I.Q. Data such as my state issued drivers license, proof of address being my current apartment ledger which my lease begin in XXXX up to this year of XXXX, utility bill and police report that was filed to remove the collections from my credit which amounted over {$7000.00} which was the result of identity theft. This company refuses to remove the collections from my reports which a representative stated that the information I submitted to them was not enough information. The gentleman also stated that I needed to file an entirely new police report at that apartment complexes local police department. However, I've spoken with my local police department here in XXXX XXXX  and the XXXX XXXX  department which personnel from both institutions stated that is not the process. In fact, personnel at my local department thought it rather unusual how I was asked to take such actions as my current report filings with them is still an ongoing investigation. In addition, an investigator from the XXXX Police XXXX XXXX XXXX even stated that I can not file with them since I am not a resident of their area nor was I ever. I do not understand how a state issued license and proof of address along with a provided police report is not enough information to prove that this was the result of identity theft.

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 2020-12-02
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$13000.00}, {$5700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- OTHER ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation