BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-09
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a Best Buy Credit Card through CITI Bank there were fraud charges made on my credit card, I submitted a police report regarding fraud charges. CITI Bank choose to ignore my police report and back charge my credit card. Since this happened my credit card was closed by them and maxed out and over the credit limit because instead of removing the charges they re-added charges to my account. I have been in contacted and went through the fraud process with the credit card and they have ignored my claim. Under CITI Privacy Notice it states that there consumer are not responsible for fraudulent charges, which this company lied and doesn't stand by their statement.

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 2022-03-07
Company: Bread Financial Holdings, Inc.
State: VA
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:
Comenity Bank is the administrator for several of my credit cards. The portfolio includes XXXX XXXX, XXXX, XXXX XXXX, and Victoria Secret. I have made consistent payments ( monthly basis ) since the acquisition. In XX/XX/2021, my credit limits were reduced. The changes occurred on a recurrent month basis since the original date. 

The company ( Comenity ) has intentionally reduced the limits. In turn, impacting debt-to-income ratios and ultimately manipulating credit scores. These are predatory and targeted practices to oppress and marginalized economically restricted citizens. 

Since then, I have requested the accounts to be closed. I am also reporting these situations for Government to be aware and take measures to ameliorate systemic inequities used in the corporate world to repress the working poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: NY
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:
At the end of my lease with XXXX, I went into a new lease with them. The dealership waived my last payment and I have had my new car for 15+ months. The outstanding last payment of {$430.00} that was waived by the dealership through XXXX XXXX XXXX has not been updated as closed and is still showing as an open balance. Ive tried to resolve this through them and they have not helped at all. This is my last attempt to have it removed before my attorney becomes involved for falsely reporting this outstanding balance for more than a year. My brother was a co-signer on this lease and its causing him harm as well.

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 2017-12-28
Company: Pacific Union Financial, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX Ordered a TV off XXXX for my wife in the nursery at the time, but it came damaged. XXXX sent replacement TV, and used my XXXX card for hold for advanced replacement. The TV was revived but the charge was not taken off the card. Contact XXXX was told it would be taken off, and told not to worry. I did not use the card after that and they closed it with the amount not refunded. I have contacted XXXX, the creditor repeatedly, disputed and fax MCM the info asked. They are continuing to change the balance and dates on. I have the return receipt from XXXX. The card issuer XXXX Card used has sold the unverified debt to a collection agency named Midland Funding and goes by MCM. MCM has been disputed, contacted and faxed all information on this but continuing to re-age the debt and amount. The balance was {$150.00} and has been turn in to {$460.00} and the date was XXXX has been changed to XXXX with it being open and late payment monthly. This is unverified debt that the original issue does not despite was inaccurate. 

Please I have been trying to rectify this but am being extorted to pay debt I dont owe or have this affect me financially by other means. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had applied for Financial Hardship for my ER visit at XXXX XXXX in XXXX XXXX in XX/XX/XXXX. 

I then received a mailed bill on XX/XX/XXXX with a total amount due of {$16.00}, which I paid. 

I had been asked to resubmit my tax returns in XX/XX/XXXX which I did. I emailed them to one XXXX XXXX at XXXX. 

I had called the XXXX offices and spoken to XXXX XXXX in XX/XX/XXXX and was told that my debt was settled. I had received no mail from XXXX XXXX or any debt collectors regarding this debt until I received a call from Progressive Management Systems on XX/XX/XXXX, saying that I owed this debt having paid only {$50.00} of it in XXXX, which makes absolutely no sense. 

I had just settled another debt with Progressive less than a month prior for XXXX Hospital. I had never been given documentation that they held this XXXX XXXX debt or that it had even gone to collections. While I had been going through the debt collection of XXXX NO ONE had made mention that I owed another debt. It was only after they took my money that this debt magically appeared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted XXXX Transunion and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.

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 2021-09-13
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: PA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Stuart-Lippman and Associates, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. 



Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. 



After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. 



In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. 



This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.

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 2020-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with Equifax where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. Equifax is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.

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 2020-11-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2020 ; I sent a letter to Equifax advising that there is inaccurate information reporting to the public record portion on my credit report. Equifax responded by stating that the information had been verified as accurate through a third party vendor, XXXX. On XX/XX/2020 ; I sent requesting that Equifax requesting the description of the procedure used to determine the accuracy and completeness of the information as well as a re-investigation. I received a response dated XX/XX/2020 ; providing the same response that information had been verified as accurate through a third party vendor, XXXX. I have provided documentation to Equifax directly from the bankruptcy court that explains that this information is not provided to any 3rd parties. I am requesting that the inaccurate information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious and needs to be deleted asap : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2022-03-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter on XXXX from Wakefield and Associates for an unpaid balance of {$640.00} charge was from XXXX from XXXX of Illinois for a medical bill. I responded to Wakefield with the EOB which show the insurance company paid APP of Illinois XXXX check # XXXX on XXXX. After calling Wakefield again, that was not good enough. I then got the cancelled check from my insurance company that it was cashed XXXX. I sent them this info 7 times to the email address they provided, verifying it was correct. They then told me this take time to verify and that they will be reporting to the credit bureau XXXX and it may or may not be done by then. Please help. I have all documentation that this has been paid two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: On-Site Manager, Inc.
State: NY
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 had a private loan ( Amount {$3500.00} ) with XXXX which I got when I started school at XXXX XXXX XXXX ( opened XXXX ). After graduation, a couple things happened. 1. the Government switched student loan servicers to XXXX . 2. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out ( Account last active XXXX ) before it went delinquent. 
But on my credit score, the report shows 1 instance of the payment being 60-89 days late and 10 instances of it being 90+ days late. This is inaccurate. It should say one instance of it being 90+ days late. It is not that I had 10 loans that were 90+ late. It was that one student loan ( which changed servicers ) that was late for more than 90+ days.
I contacted XXXX couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My credit score is XXXX and I have never had a late payment other than this student loan. Showing 10 instances of me being 90+ late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My wife initiated a wire transfer of {$80000.00} from her XXXX  XXXX XXXX account to my chase checking bank account. This is needed as we are in the middle of buying a home. XXXX XXXX XXXXXXXX says the transfer was processed on XX/XX/2022 whereas I still have not received it in my Chase bank account. 

Please advise on how i can track or get a status from Chase bank where the money went. Appreciate it.

Company response to consumer: Closed with explanation