BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was paying monthly my Citibank Credit Card over the phone. The last time I spoke to someone, around XX/XX/2018, I asked the customer service representative to set up auto-payments on the account so I did not have to call in every month. It was also hard to know what the balance was, the due date, or remember how much needed to be paid, as all of my statements since XXXX have come blank with only the XXXX  XXXX, Customer service number and account number. There is NOTHING on the paper underneath the heading information ... It was my understanding that he processed that request and set it up so my account was on XXXX. 6 Months later, the collection agency is calling my BOYFRIEND, who I did not authorize them to call and have no clue where they even got his number, about my account saying it's in collections. I immediately called the collection agency back and made a large payment of about {$450.00} on the account, and set up weekly payments on the remainder. I called the XXXX account inquiry number today at XXXX & was told they " cant even open '' my account, they wont even attempt to listen to what my questions are, before they transfer me to the recovery department. The recovery department tells me they can't do anything but see the amount i owe and take a payment in full because my accounts closed and that if I need help to call the collection agency. the collection agency tells me I need to speak to Citibank. NO  XXXXNE will help me, give me the information to get help, etc. I specifically asked XXXX of the recovery department XXXX if there were agencies to file complaints regarding credit card fees, and he refused to give me the information and stated he himself would take a complaint but wasn't going to do anything about it. All i am asking for is for the {$250.00} in Late Payment charges on the account to be removed, since these were billed in part due to the error of the CSR at Citibank not setting up auto-pay when i had asked, and I am willing to pay the remaining balance of over {$700.00} in full immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-01-23
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2018, I sent a debit validation letter to XXXX XXXX asking them to send proof of the debit they say I owe. I sent a certified letter to the creditor. This certified letter was delivered on XX/XX/2018. I have yet to receive a response from the collection company validating this debit. I ask the credit reporting agency to validate the debit and they have yet to validate this debit. By law they have 30 days to response to a consumers request. Please check into this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans have been with XXXX since XXXX. I finished school in XXXX. 

Even though XXXX has always been servicing my loans. A company called Education Credit Management or ECMC is reporting collections on my credit report for students loans with the same exact dates that XXXX has for XXXX and XXXX for late payments on my student loans. 

I have no knowledge of ECMC. I've never signed any paperwork with them or even spoken to anyone from that company in XXXX and XXXX. I never recieved a letter, an email or any kind of correspondence to who they are. So I have no knowledge of the collections or why they're reporting fraudulent information on my credit report. 

XXXX has always serviced my student loans.

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 2020-10-10
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 have tried numerous times to fix this problem with this company, and XXXX county collection keeps going in my credit file to change information to benifit them. I have told them on numerous occasions that that is not mine, I finally got tired and just let it fall off on its own, but theyve reaged it to suite them. They have an opening date of XXXX XXXX on my file. The supposed delinquency date isXXXX from the original creditor XXXX XXXX. I request that this false info finally be removed from my credit file of TransUnion. It is long past the statute of limitations and they are still manipulating 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 2018-06-07
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.

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 2019-01-23
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2006 I opened a free checking account with XXXX  XXXX XXXX. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX  , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account on XX/XX/2021 via this link : https : XXXX  Headline was : HSBC XXXX 2 % Cash Back Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. 

Terms was : You will automatically receive the 2 % cash back in your new HSBC XXXX checking account approximately eight weeks after completing that months qualifying activities. 

I have contacted support and opened a support ticket. Today ( XXXX ) the customer service rep said that I did not open the account with the offer attached, but I have only ever hit the signup page through there. I would never have considered opening the account without the offer. 

The offer has been pulled, but I can show a screenshot of my web history on the account open date that shows that I landed and progressed from the bonus offer landing site ( attached ). 

I have made $ XXXX in direct deposits monthly since opening then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SG and Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After Stafford Group & Associates verified the debt they claimed I owe, I sent them a debt settlement letter ( attached ) and they have yet to respond. The letter was sent XX/XX/2022.

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 2019-01-23
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed a dispute with Experian. They did not respond after more than 45 days for a vacation account. I called into Experian and sat on hold for an hour. The rep took my information then said he does see my dispute. He then said Experian did not have to respond and the company said my dispute is not valid. I asked that they send dispute results via USPS. He proceeded to tell me unless I'm sending proof the account remains, I can not dispute again and NO results would be sent to me. At this point I became upset as I know he has to send me results of the investigation for my records. I told him I need results and he simply hung up on me ... without ever filing my new dispute.

I called back and sat on hold for another 45 minutes prior to ending the call. At this time I am drafting a dispute in writing again and sending via USPS. I need a result for this. The account is missing information, has not had in greater than 7 years, and I do not believe it is mine. This account is reporting with so many errors and Experian is the only one reporting it. They won't respond to any of my attempts to dispute this and simply hang up when I call.

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 2020-08-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My father XXXX XXXX XXXX passed away XX/XX/2019. We were told he had no will or value to his accounts upon contacting his financial institutions and accountant to handle his affairs. 
I called Wells Fargo and made them aware our father had passed and we sent out all necessary death certificates. 

Still, months later, a mysterious account for my father appeared out of nowhere for him evidencing some money in the account. I do not want to deal with this error as its been hard as it is losing my father. 
I believe some fraudulent behavior occurred in connection with his passing that has resulted in this bank error. He always had XXXX   XXXX  from our knowledge and suddenly he has this mysterious wells Fargo bank. 

I wrote them a letter and there has been endless identity related issues that have resulted in connection with my fathers PII, my PII and daughter XXXX XXXX ( XXXX XXXX ). 

Please assist in any way possible. As I spoke to probate and though my father died in XXXX they will not handle his probate matter.

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 2019-01-23
Company: Amsher Collection Services, 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:
Amsher collection agency is claiming we owe a debt for a XXXX XXXX account based on an address in DE. We have only EVER lived in TX. The amount is {$650.00} or {$650.00}. We disputed this through XXXX and the response received the next day simply says the collection agency certified the debt is correct. XXXX knows ALL of our data is in Texas. Address, jobs, home loan, etc is ALL in TX. 

AMSHER COLLECTION SVCS,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2018 Balance {$650.00} Debt {$650.00} Contact Information XXXX XXXX XXXX XXXX , XXXX, AL XXXX, ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home mortgage was sold to Wells Fargo. We currently have a 65 % - 75 % equity position in our home. Under our original lender, we had voluntarily escrowed for taxes and insurance. The Impound Authorization indicated it was a voluntary escrow that was not required by the lender and indicated no time frame exception for discontinuing the escrow. We contacted Wells Fargo to stop the escrow account. They sent us back a letter stating that we were required to continue escrow for 24 months from our closing. We called Wells Fargo Home Mortgage to inquire about this " requirement '' since there was nothing in our loan documents to this end. After getting to a supervisor, we were told that the investor required that we escrow until 24 months of payments have been made without being late or any other issue. Once again, I asked where this was in our loan documents and referred them to look at the Impound Authorization that clearly showed the escrow was voluntary and not required. The supervisor said that due to the investor requirement that they would not be able to stop escrow. I requested a letter that stated this position. He said that he would " request '' a letter but could not promise anything. He also stated that he could request an exception. We aren't requesting an exception. We are requesting that our loan documents be followed.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TRANSUNION, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX   XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

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 2019-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Recent app with Wells Fargo- I have been with XXXX/Wells Fargo since 1987, checking, savings, and in the past CD 's and securities. When I got sick and had to close all of these except for checking, they will no longer approve any kind of credit card because I have no current credit..I have insurance taken out for last ten years never had overdraft, only when I went on SS did they say I no longer guailify for 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 2019-01-23
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was added as an authorized user on my Husband 's citicard. We have been divorced since XX/XX/2018. I called Citi XX/XX/2018 and asked them to remove my name as an authorized user, and they refused to remove me. They said I needed to have my ex husband remove me as an authorized user. My ex husband refuses to do this and I have continued to try to get him to. His spending and bill pay habits are negatively affecting my credit score and I would like them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Roundpoint Mortgage will not remove PMI even though my LTV is below 78 %

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 2019-01-23
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. 

I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.

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 2020-05-08
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: Account status incorrect

Complaint:
This is not my account and I am not an authorized user on this, please remove this from all 3 of my credit bureaus. 

XXXX XXXX last reported XX/XX/XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Date of Payment XX/XX/XXXX 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 2020-06-25
Company: EQUIFAX, INC.
State: CA
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 am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.

Company response to consumer: Closed with explanation