BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to dispute the inaccurate information that's negatively impacted my credit score and the results came back as the negative items remaining on my credit score

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 2019-08-18
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX of XXXX XXXX XXXXtold Capital Accounts on XX/XX/2019they were authorized to report a DISPUTED DEBT claim to collection agencies BEFORE the LAPSE of 30 DAYS FROM DATE OF MY RECEIPT XX/XX/2019  (as communicated in writing by Capital Accounts). XXXX XXXX is a healthcare provider and the owner of XXXX XXXX XXXX - She should know better than to intentionally file false claims regarding medical services.Capital Accounts / XXXX XXXX / XXXX XXXX XXXXshould further be held accountable for taking action in contrast with their own written correspondence which state the recipient of any debt should: (1) REPORT DISPUTED CLAIMS to them (which I did along with providing documentation), and (2) Respond in writing within 30 DAYS FROM DATE OF RECIPIENT RECEIPT (which I did - outlining the incorrect billing, billing errors, charges for services incomplete/not performed and in breach of contract terms).

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 2019-10-22
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently reviewed my credit report and I observed that XXXX  XXXX  are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested from XXXX XXXX to provide me proof that the alleged payments being reported were indeed late and being reported accurately to the credit bureau. As of todays date I have yet received any proof from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender as failed to respond to the Qualified Written request ( QWR ) submitted to them on  XXXX / XXXX /  XXXX   - The lender is required to provide a detailed loan history for us to review and assist the borrower. This is a violation of RESPA and we request the FC be placed on hold and for the requested info to be provided ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: IN
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 called Experian and I went over my credit report with them showing them about the charge offs on credit cards that were closed display and accurate information and negatively impacting my credit score

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 2017-05-12
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The  XXXX   XXXX ,    2016  application for a  HAMP 2 loan was denied because Nationstar INCORRECTLY calculated my Gross Social Security Income, and refuses to acknowledge and correct this ERROR, and approved me for a HAMP 1 loan  at a considerably higher monthly payment with less favorable terms.     ( see attache d 2 pa ges )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a savings account with Bank of America. I did so after seeing an advertisement on the BOA website where I view my credit card information. After taking advantage of the bonus offer, meeting all requirements, BOA decided I shouldn't have seen the banner as I wasn't targeted. Their " mistake '', or as I call it, bait and switch, resulted in me losing higher interest and the bonus even though I received confirmation that I enrolled in the offer. It is convenient that they can advertise an offer to everyone and then never follow through. 

Here are the terms I met. attached is a confirmation I received for enrolling. 

( 1 ) Enroll in the offer by XX/XX/2019 requesting enrollment from a Bank of America associate or by clicking the enrollment link in a direct email communication. 

Next, complete the following steps within 30 days of enrolling : ( 2 )  Open or maintain an eligible savings account ( Certificates of Deposit ( CDs ), Individual Retirement Accounts ( IRAs ), and Minor/Student savings accounts are not eligible for this offer ) ; and ( 3 ) Make deposits of new money ( each is a " Qualifying Deposit '' ) totaling at least {$10000.00} directly into the eligible savings account. " New money '' is money not currently or previously held in any account at Bank of America or Merrill. 

Finally, for 90 days following enrollment in the offer ( the " Maintenance Period '' ) : ( 4 ) Maintain the Qualifying Deposit ( s ) in  the eligible savings account. 

If all requirements listed above are satisfied, Qualifying Deposits totaling $ XXXX {$19000.00} will be eligible for a {$150.00} bonus, $ XXXX {$49000.00} will be eligible for a {$200.00} bonus, $ XXXX {$99000.00} will be eligible for a {$300.00} bonus, and {$100000.00} or more will be eligible for a {$500.00} bonus. Your Bank of America eligible savings account must be open and in good standing up to and including the date the bonus is paid in order to receive the bonus. If you meet the requirements for the bonus, we will attempt to deposit the bonus directly into the eligible savings account within sixty ( 60 ) days.

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 2019-08-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data International keeps raising the original debt collection amount. Collection opened in XX/XX/2019 with balance of $XXXX, now it is $XXXX. The account was reporting closed via XXXX XX/XX/XXXX (screenshot of proof provided) and now it has been reopened. I received calls back to back from this company from many different phone numbers and also was left 2 voicemails regarding the debt. The original creditor XXXX XXXX, withheld my apartment deposit to pay towards the collection. That money has not been applied. All previous staff of XXXX XXXX   mishandled paperwork and an Apartment fire resulting in the loss of my apartment and were fired under those circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Earlier this year, my wife and I tried to log into our Citi Card app, at which time were prompted to accept the terms of use in order to log into the account.  What we didn't know at the time we accepted the terms of use, was that we agreed to paperless billing.  This was not disclosed to us at the time, and we have never had paperless billing, since 2008 when we signed up for the card.  Two months later we received a letter that our credit score had changed, which was a surprise to us, because we have always had close to 780-790 credit scores.  When we called Citi to ask about this letter, we were then told that we had not paid the previous 2 months bill.  We explained that we never received a bill in the mail, at which time they disclosed to us that we elected for paperless billing when we accepted the terms of use, "because is it what most people do now a days".  Our balance at the time we got the letter was $XXXX, I could have paid the balance the first month, but did not realize that we had elected unbenost to use paperless billing.  I sent a letter explain the circumstance to Citi, and they basically said tough luck, no one in the call center could help me at all after multiple calls and the only way they said I could get an answer was via letter.  After I sent the letter, they sent me back 3 different letters, saying that they understood I no longer wished to dispute the credit reporting. I never expressed that in my letter and again could not get a single representative to help me in this process.  I did not mind paying the balance, but the negative credit reporting that Citi did has greatly impacted my wife and I ability to refinance our mortgage, and again I am not getting any help from Citi Cards in the matter.  Your help in this matter is greatly appreciated,Regards,XXXX and 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 2020-10-15
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2020 - Americollect has been calling to collect an amount {$1300.00} owed to a medical Provider. I called my health insurance and the insurance reprocessed this bill and settled this with the Provider. 
XXXX XXXX I have verified with the Provider billing company that the Insurance has paid and this debt was resolved. I have asked the Provider billing company to inform Americollect about this and they assured me they will.

XX/XX/2020 - Americollect again has been calling to collect the same debt, now in the amount {$410.00}. 
XXXX XXXX I have spoken to a representative of Americollect and when I told her that I will verify this amount to the Provider, she vehemently told me that " I should NOT call the Provider because the account is now with them ''. She indicated with intimidation that the Provider will not handle this and I should only settle this amount with them. When I told her that I will nevertheless call the Provider, she hinted that this will be reported to credit agencies. 
XXXX XX/XX/2020 - I did call the Provider billing company and was told that this debt was resolved, with XXXX balance and that they will inform Americollect. 
XXXX XXXX - I called Americollect and spoke to a XXXX. She told me to prove to them that this was paid by giving them the check number of the insurance payment. When I ask her if there is a process for them to verify this with the Provider, their client, she said the burden of proof is on me.

Americollect is aggressively collecting medical debt thru intimidation and REFUSED to verify with their client the debt they are collecting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
Hi i disputed these items to experian XXXX and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is 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 2018-07-14
Company: BlueChip Financial
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX Collection effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: WA
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 filing a complaint against XXXX, Equifax and XXXX for continuing to allow an item that is not mine to be placed upon my credit report which is preventing from getting into an apartment in Texas to see my grandchildren. I am XXXX years old and this harassment has caused me much grief, pain and embarrassment being turned down for an apartment fir something I do not owe I have filed requests under Section 609, 611 of The Fair Credit Reporting Act and complaints under The FDCPA. Rent Debt has been reporting for over a year an item to my credit report that is not mine. I even filed a complaint with this Consumer Financial Protection Bureau and they once again verified the debt as accurate. 

Please find my notice under Section 609, 611 FCRA and FDCPA along with notarized affidavit that this erroneous debt does not and never did belong to me. The debt collector sent me one page of unexecuted lease with a fake signature of mine. 

I hope the bureau pursues this matter for the violations of all of these parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
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 is missing that should be on the report

Complaint:
A XXXX XXXX XXXX XXXX insurance company without communicating with me passed a bill that I owe an amount to them and I suddenly got a letter from collection agency that I supposedly owe to XXXX  and they request me to pay the amount of $XXXX.XXXXI had paid my insurance balance in full at the beginning of my policy and did not owe anything. I want to make that agency accountable for moral damages and trying to ruin my excellent 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 2020-05-26
Company: Experian Information Solutions Inc.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX  XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX  XXXX {$10000.00}

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 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX   XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$170000.00} XXXX XXXX XXXX {$6900.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$31000.00} XXXXL XXXX XXXX {$500.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX {$7100.00}

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 2020-07-23
Company: WELLS FARGO & COMPANY
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase from a seller on XXXX with my credit card for {$240.00} the seller was not compliant in returning my money after I sent the seller it's merchandise back due to it being defective and gave the tracking # which is confirmation from FedEx that the seller received the merchandise back. I went to my bank Wells Fargo to dispute the charge and accidentally input my dispute in wrong my intentions was to put in that I returned the merchandise but I put in that I didn't receive it a total mistake of hitting the wrong button. My bank did the dispute based on the error I made and refunded me the {$240.00} and then reversed it several months later stating that they received info from the merchant that I received it. I didn't find out until months later that I entered my dispute incorrect once I was informed of this I asked my bank to redo the dispute correctly so I can receive my refund because I did return the item back to the seller and I did use my card as they can see on my statement to make the purchase of {$240.00}. My bank said they can not reopen my claim and I should take it up with the seller who has not been compliant with me at all. I am disputing the bank decision because I made a mistake in filing my dispute but this is a legitimate dispute and I did spend the money of {$240.00} on my card and I did return that merchandise so I am entitled to receive my refund back from my card issuer which is my bank Wells Fargo. I am human and make mistakes like anyone else my bank has made plenty of mistakes on my account and I was considerate and understanding we all make mistake in life no one is perfect but in this case I did spend my money and returned the merchandise and have proof so I want my money back. The bank is refusing to open my claim and refund my {$240.00}.

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