BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo you are in violation of the FDCPA and the FCRA in this letter of about 4 you claim you will respond by a certain date and I never hear from you. You are fully aware that your credit reporting is incorrect and you must remove the inaccuracies and then you sent a letter stating that you would respond by XX/XX/XXXX and today is XX/XX/XXXX you are reporting reckless and incorrect information on my credit report Congress passed a law back in 1971 given credit or such as yourself the ability to report accurate information and if you cant do so this is a violation I have sent you factual proof that your reporting is incorrect and I demand that you delete this trade line from all reporting agencies you did not respond by the XXXX and several other letters that I will certainly be appreciative to upload the other CFPB please delete these In accuracies

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 2020-12-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
We refinanced our home in XXXX. The new mortgage company paid off {$250000.00} via wire transfer that was completed XX/XX/XXXX. XXXX XXXX reported us 30 days late even though the wire transfer had been confirmed as received beforeXX/XX/2020. 

We hired an credit repair attorney to get the incorrect information corrected and the credit bureaus refused to correct the information as well as did XXXX XXXX. I was told I would need to file a law suit against the bureaus by the credit repair company. 

A few other things are worth noting : 1 ) the credit file is reported incorrectly - reporting XXXX XXXX as currently late with a XXXX balance. 
2 ) I called XXXX  and Equifax in XXXX and they customer representatives told me there was no lates on my file in relation to XXXX XXXX, but it shows when my mortgage company pulled my credit file shortly after in my efforts to obtain a new mortgage. 
3 ) I have documentation proving that XXXX XXXX had received the payoff on the XXXX, before the 30 day late marker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have the Amazon Prime Credit card with Synchrony bank. 2 months ago by mistake they charged me one product twice. I submitted a complaint and they never called me back or told me anything about it. 2 or 3 weeks I tried to use my card again and it didn't work, I called them and they told me they cancelled my card without a notice from them. They didn't send any notifications from Synchrony bank. I tried to pay everything and to cancel the card and they told me they would do it and they didn't. Then a new card came to my house and I opened to review everything in the Synchrony bank app again to make sure they didn't charge anything additional. Everything look good and I decided using the card again. They charged me XXXX twice and when I call them they send me from one person to the other one for about 2 hours and they didn't solve anything. At the end they said Amazon was the one who charged me twice and they didn't solve anything. When I called amazon they said that was not true. I need help.

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 2017-08-04
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My house is in foreclosure with a sale date of XX/XX/XXXX. This is the second time the bank is doing this. The first time after receiving a letter from your office explaining that I was in the middle of Loan Modification, They relented and allowed me to finish my Loan Modification. I was approved as of  XX/XX/XXXX. Since XX/XX/XXXX I have been paying the monthly mortgage amount and receiving statements from them. They are claiming that I did not sign certain documents so they are foreclosing on my house. The following are my issues with them : 1. I received a letter that I was approved for the loan modification in XX/XX/XXXX 2. I have been paying every month since then 3. Although they said the sale at the first foreclosure sale was " rescinded '' my name was never put back on the property, I therefore could not get insurance for the house. 4. I did not sign the documents because I did not understand them. I was n't clear on getting my name back on the property and did n't understand what the " balloon payments '' are. 5. I called many times to get clarification and no one ever returned my calls. 6. I am in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: I.C. System, Inc.
State: TX
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:
XXXX I sent a letter to a collection agency asking for Debt Validation. They were unable to produce the documents that I asked for in my letter. They sent an electronic copy of a lease that I NEVER signed. I gave them 30 days and nothing has been updated on my credit report. Please advise next steps.

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 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I purchased a credit report from Transunion, I was charged for my credit report as well as another product I did not want. Contacting Transunion is extraordinarily difficult, furthermore, if you don't navigate the site and unchecked boxes you will receive a mass amount of marketing material. I am unable to remove my credit card information and their site, in my opinion, is designed to deflect and divert, the most disingenuous item, I paid for my report, their site is loaded with advertisements, I'm paying to look at advertisements and I am unable to download into PDF without the advertisements. Their ratings are deplorable as well as their customer support, they run over people by making it difficult to navigate and ensure you are not being charged additional fees or receiving marketing emails.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2020-05-04
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Experian Information Solutions 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:
Experian, XXXX, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX # XXXX 3.XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX # XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-10-27
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I notice on my credit report a collection which has appeared from Savit collection, The date of service was on XX/XX/2019 yet Savit Collection is reporting this since XX/XX/2019, Based on the XXXX XXXX XXXXXX/XX/XXXX Plan This should not have been reported prior to 180 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 2020-11-17
Company: Advanced Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt on my credit report ADVANCED COLLECTION BU that is not mine. I have disputed it several times and they keep saying it is mine but will not provide verifying proof. Unless they show actual doctors records showing I incurred this debt I demand this be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX just getting established. I set up a business PayPal account to conduct my business. I was asked to verify my account through PayPal, which I did. They asked for specific documents required and I gave all of them, as requested. This morning they suspended my account indefinitely, holding on to almost {$400.00} of my clients hard-earned dollars. This looks incredibly bad on me and my new business. No one could give me an answer as to why this happened and I was basically hung up on by a supervisor. Please help me spread awareness about the fraudulent activity from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am not XXXX XXXX, do not know XXXX XXXX and they call and call and call and every new number is blocked and they spam call and spam dial non-stop. This is clearly illegal and this is a cell phone which is prohibited by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Bayview is refusing to release funds that I am owed from an escrow account. The home was sold and the loan was paid off, but Bayview has been unresponsive. Closing occurred in XX/XX/2018. Their customer service hangs up when I call and are difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On X/X/17, I wrote a check from my Citi checking account to my account held at XXXX. The check was cashed and the funds made available to me in my XXXX account. On X/XX/17, the funds were removed from my XXXX account because Citi noticed that the check could not be cashed. In other words, the check bounced, which resulted in 6 overdraft fees on my XXXX account for a total of {$140.00}. 
I immediately called Citi to inquire about the check. I had more than enough funds in my Citi account to cover the check. Citi explained that the checkbook should have been " activated '' like a debit card. I have never heard of " activating '' a checkbook and I 've had many bank accounts. Citi did n't honor the check because the checkbook had n't been activated. The checkbook was not activated because the instructions to do so were not clear. The Citi rep immediately transferred me to a  supervisor and agreed to reimburse me for the {$140.00} worth of overdraft protection fees. The rep also agreed to send a same-day wire from my Citi account to my XXXX account and waive the {$25.00} wire fee. The wire fee was indeed waived. To be reimbursed for the overdraft fees of {$140.00}, I was told to fax a copy of my bank statement to Citi. Once they received it, the credit would be applied to my Citi account. I sent a fax on XX/XX/XXXX. A week later, I called Citi to check the status and was told that the case had been closed because the fax had n't been received ( even though I had confirmation that the fax went through ). By this point, I did n't have access to a fax machine, so I visited an office supplies store to pay for the fax. I again received confirmation that the fax was successful. Several days passed with no communication from Citi and I again called customer service. I was told that the fax had n't been received ( again ) and needed to visit a branch. The nearest branch is well over an hour away from me. So, the rep said that she would open another case and track down the fax. Another week passed and I again heard nothing from Citi. My husband called to check the status and was told that although the fax was received, our request for a credit would not be honored because we should 've known to activate the checkbook. I spoke to numerous people and nobody previously told me this. In fact, it was the initial customer service rep who agreed to reimburse me for the {$140.00} fees charged by my other bank, otherwise I would 've pursued reimbursements from my other bank. I followed all instructions provided by Citi and was consistently lied to and given the runaround. Then, after jumping through so many hoops, my request was still denied.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  has been inaccurately reporting this account as opened on XX/XX/XXXX when it was opened when my father was still alive. He died in XXXX. They keep re-aging this to try to collect a mere {$230.00} and destroy and damage my credit report. I have sent Experian a certified letter on XX/XX/XXXX asking to remove this as an Early Exclusion because it is technically over 7 years old. XXXX has been reported to the FDIC, but they have told me to file my complaint with CFPB since Experian keeps this on my credit report. They must remove this! It is extremely false, damaging, not to mention illegal. XXXX XXXX  is inaccurately reporting and Experian has a duty to remove this immediately. I need CFPB to step in and enforce penalties and damages here because the Courts are closed. I need CFPB to enforce the Consumer laws because XXXX XXXX  keeps to continue lying about this old re-aged account that they continue to report illegally. They should be assessed punitive damages for their intentional act to destroy my credit and I will NOT pay for an item that should have been removed years ago!

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 2018-09-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried to get my credit report from all of the credit reporting agencies. None will accept the information I am giving. I did contact XXXX, who said they had me as deceased, this was supposed to hve been corrected 2 months ago. Yet I still can not log in and get my free credit report on line, it said to call for my free credit report, I did and after answering the questions they sent me an e-mail asking for a credit card? why if its free?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: UT
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:
XXXX  and Equifax are reporting inaccurate information on my credit file. XXXX Acct # XXXX is reporting lates on XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX. This information is not correct. I have sent documentation showing the information XXXX  and Equifax was reporting incorrectly. XXXX acct was included in my Bankruptcy Docket # XXXX XXXX in XX/XX/XXXX. I have sent more than enough documentation showing proof, and that they are in clear violation of the Bankruptcy Law act. But they have failed to contact me or remove this information. I have attached documentation showing proof of my discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it may concern, My wife and I have just recently received calls from both her parents and mine in regards to a debt we have with best buy which is with Citibank , N.A . After speaking to my father whom stated he advised the representative he was not Me that they were calling my father. They disclosed to him my balance the last time I made a payment. My father then told all my family members and it has affected my wife 's business. I would love for them them to clear this up but unfortunetly the damage is done. Not only are they affecting the way we make income but they placed us in an unbearable situation with the family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have been trying to get help with deleting these unauthorized inquiries from my credit report that are damaging my credit report.I have sent Transunion and XXXX  letters on XX/XX/2020 regarding these inaccurate inquiries they are reporting against me and i have receive any documents to prove otherwise. Please assist me in this matter cause its causing me great stress and disappointment in getting things

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 2020-10-27
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: Information belongs to someone else

Complaint:
There's a woman by the name of XXXX XXXX who is now married and her name is now XXXX XXXX. She lives in XXXX Minnesota and she has been using my name in social security number to rent houses and apartments. I have tried several times since 2012 to reach out to this young lady and ask her to stop. Her only words to me was prove it. I have all the addresses which is attached with this complaint.

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