BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-20
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being harassed by XXXX XXXX XXXX. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( AB ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from Experian which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that XXXX XXXX XXXX is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau Experian is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian on XX/XX/2019 and received the results dated XX/XX/2019 Report Number XXXX and accounts listed below were deleted.  The accounts were placed back and I was not ever notified in writing per FCRA which does not meet ethical business practices.All deleted from report number XXXX Dated XX/XX/2019XXXX Acct XXXX- Deleted XX/XX/19XXXX XXXX XXXX XXXX-XXXX-Deleted XX/XX/19XXXX XXXX XXXX- Deleted XX/XX/19The above referenced accounts are listed on my Experian report XX/XX/19 report XXXX for XX/XX/19 and should not be there.  I keep great records but unfortunately overlooked this wrong business practice months later.

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 2019-08-19
Company: JPMORGAN CHASE & CO.
State: WI
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 have purchased a refrigerator and a gift card from XXXX on XX/XX/19. The listing said that I can either pay $XXXX for a refrigerator  or pay $XXXX and receive a gift card for $XXXX. I did not receive a gift card from XXXX. I did dispute it with the credit card who stated that they cannot help me, because the refrigerator was delivered (smaller part of the package I have purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Credit inquiries in credit report are fraudulent.

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 2020-05-22
Company: WELLS FARGO & COMPANY
State: RI
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 was shocked when I reviewed my credit report and found late payment on the dates below : WELLS FARGO DEALER SVC XXXX, XX/XX/ 2019 2019

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 2020-09-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Toyota Financial Service received a check paying off the loan completely on XX/XX/XXXX ( It was traded in the first week of XXXX XXXX. Payoff check was delivered through XXXX XXXX   tracking # XXXX. The check was received by XXXX  @ XXXX on XX/XX/XXXX. 
Although the check was received Toyota has not processed the payment and I have received multiple harassing collections calls. Even after explaining to each representative that has called that the car payment has been sent and received and being promised that the account will be updated to reflect the payment and no more collection calls will be made, my account continues to show past due and I continue to get harassing, rude collection calls and it is now XX/XX/XXXX. The last rep I spoke to her name is XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Consumer Financial Protection Bureau, The reason why I am contacting you is because my mortgage company PHH Mortgage Services has made a mistake and is forcing me into an escrow account. 
Due to the Pandemic situation, and for this first time, I got delay with my taxes. On XX/XX/2020, I received a letter from PHH attached, saying if I do not pay the taxes for the amount of {$6400.00} to them within 30 days they will set up an escrow account as part of my monthly payments. So in order to avoid that I called them on XX/XX/XXXX ( Ref # XXXX ) to place the payment over the phone and I was told that since I have a disbursement of {$800.00} in my account the amount that I had to pay was {$5600.00}, which is the amount I paid that day. 

Now, a month later I received my new monthly bill which increase from {$1500.00} to {$2200.00}. So I called right away and the reason for this increased, and they said that I did not paid the taxes which I did on XX/XX/XXXX ( see proof attached of the email received after payment ). After proving to them that I paid the taxes, they told me that by mistake they misplaced my payment and it went into my principal and told me to give them about 2 weeks to fix the problem. They called me again today XX/XX/2020 XXXX ( Ref : XXXX XXXX XXXX Escalator Manager XXXX ext. XXXX ) saying that the {$5600.00} was reapplied toward the taxes but the other {$800.00} they couldnt because it was not an actual disbursement, it was a late fee for my taxes. Then I asked him why was I told that I had a disbursement and I didnt need to pay the full amount just the {$5600.00} and he said that it was a wrong communication from them. 

So from that point I told him that I will send them the {$800.00} to clarify the account due to their mistake, and he told me No XXXX, I am sorry but you are already enrolled in escrow account and there is nothing we can do about that. At that point I got very upset, they made a mistake with the amount they told me to pay over the phone ( minus the disbursement ), and now theyre acting like they never told me that. Why would I pay {$5600.00} instead of the {$6400.00}? They misplaced my payment toward the principal, and told me to pay a wrong amount So basically they pushed me into an exaggerated escrow account impossible for me to pay, with lies and mistakes made on their behalf. 

I really appreciate your help to this matter. 

XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX  to my daughter. Unfortunately I experienced XXXX after the XXXX  which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Caliber Home Loan account where I make monthly payments for my mortgage. At one point, like many other hard working Americans, I had fallen on financial hardships and was late on a few payments. 

I was late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was never over 90 days. I tried my best to catch up earlier. 

I also had a second mortgage with XXXX, on the same mortgage, where I make my monthly mortgage payments. At the same time, due to financial hardships, I was late on those payments. 

I was late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Cottonwood Financial Ltd.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Cash Store loan was paid. Now they are saying it is not. I am receiving threatening calls to my employer, friends, home, relatives, etc. They are threatening to show up tp my home and employment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
I downloaded the certified letter that I sent to CBNA/Home Depot which explains in detail what I'm disputing. Briefly, I bought ~$XXXX  worth of items from XXXX XXXX in XX/XX/XXXX and used my CBNA/HD card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called CBNA/HD customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by CBNA, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by CBNA.  I sent a certified letter to CBNA explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, CBNA, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at CBNA to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2020-09-03
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
There is a company named Midland Credit Management that is calling my house number. 
I don't know why they are calling cause I am using the Do Not Call Registry. I don't have debts outstanding or in arrears with any company. 

I WILL KINDLY APPRECIATE YOU HELP ME TO TELL THIS COMPANY TO DELETE MY NUMBER FROM THEIR LIST. 

THEY HAVE A WEB PAGE, BUT CAN NOT BE ACCESSED UNLESS YOU HAVE AN ACCOUNT, WHICH I DON'T HAVE. 

THEY ARE CALLING 4 OR 5 TIMES DAILY. IT IS EXASPERATING. 

THANK YOU IN ADVANCE FOR YOUR COOPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened the Macys credit card issued by XXXX XXXX on XX/XX/2021. I made few purchases on the same day and have sent of XXXX now. They send me the card I tried to call them and activate the card but they every time deny activating the card saying they need to verify my identity calling me but they never call to me this process been three times. Now I have got a bill saying I need to pay them but I can not pay them because they dont activate my card. I am afraid they will put me to collection for not paying them on time but I want to pay them and can not because they never activate my card. Please help me to activate my card so that I can pay them the balance.

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 2020-10-26
Company: Experian Information Solutions 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:
There are two credit card accounts being reported by Experian that are a result of Identity theft. I have disputed these accounts on several occasions, including submitting a FTC identity theft report. Experian continues to report these accounts in violation of FCRA.

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 2019-10-29
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got one phone call about a debt owed. No formal notification of the debt from the company or the company that we supposedly owed the debt to. Next thing I learned was that it was added to my credit report without any type of formal communication or the ability to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
AMERICAN EXPRESS DISPUTE CASE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : LAST XXXX Expiration : XX/XX/XXXX CVV : XXXX XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called my company Everything XXXX and needed a full XXXX XXXX bed to rent as she was having XXXX on Wednesday, XX/XX/XXXX. She also ordered a XXXX XXXX XXXX Commode and a gel mattress which she purchased, this invoice was for a total of {$470.00}. She called us back and requested and over the bed table. I charged her for the smaller table, {$120.00}, and I also sent the larger table with our technician so that she could make her choice, she chose the larger table. She was aware of the {$25.00} difference and she had me charge her card and I e-mailed to her the invoice and the credit card receipt ( see attached ). 
XX/XX/XXXX We delivered the hospital bed along with the other medical items, and our technician XXXX XXXX delivered and set up the hospital bed and XXXX XXXX signed the delivery slip receipt. ( attached ) XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX, she requested another mattress which was a foam mattress to purchase. I, XXXX, sent her an e-mail letting her know that there will be an additional {$80.00} fee for us to go back out there and the cost of the mattress, {$290.00} plus tax. She responded back to my e-mail ( see Attached ) ordering us to get it for her and she also called and indicated that we needed to go through the gate and leave the mattress in the patio and to make sure the gate gets closed. She also mentioned that her neighbor would bring in the mattress as the neighbor had a key. 
XX/XX/XXXX I made several attempts to reach her and left her messages on her cell phone, but she never returned my calls. The rent on the bed went from XX/XX/XXXX to XX/XX/XXXX. I charged her card for the next months rental of {$170.00} per the terms of her signed agreement on delivery. I mailed to her a copy of the invoice and the credit card receipt. 
XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called and requested that we pick up the hospital bed. We scheduled the pick-up for XX/XX/XXXX, and she signed the receipt ( see attached ) confirming that we picked-up the bed from her house. 
Please note, that we submitted all the requested documents with the signatures acknowledging the receipt of the hospital bed and the other medical items and the pickup of the hospital bed on XX/XX/XXXX. American Express indicated that there were insufficient information and no signatures. 
American Express has closed the case and we were instructed to contact our Merchant Services and request an appeal. Merchant Services told us that we are not able to make an appeal as American Express has closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications regarding the investigation results. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and have yet to receive any response.

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 2018-07-17
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: Account information incorrect

Complaint:
Paid charge off and have proof. On XX/XX/XXXX shows finally XXXX account was paid off on my credit report. Now on XX/XX/XXXX. They put it back as a charge off. This is incorrect information. I fought this since XX/XX/XXXX. Sent proof it was paid XXXX and credit companies finally put comments as paid and settled account paid charge off. Please correct comments back as it was on XX/XX/XXXX as paid and settled. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: EQUIFAX, INC.
State: PA
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:
Mortgage was closed 9 years ago and is still reporting on my credit report.

Company response to consumer: Closed with explanation