BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
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:
On XX/XX/XXXX XXXX XXXX placed a collection on my Equifax credit file. Upon further investigation, this account was transferred or sold and I am no longer responsible for the account. XXXX XXXX has failed to verify this account, since my first dispute letter in XXXX of XXXX. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer. Therefore I am requesting legal action to remove this account immediately. I have waited long enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Service keeps calling and calls under different # 's continuously. 
XXXX called on XXXX, XXXX ; on XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX : XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX. They call at least 4 times a day. I believe it is Citibank because I missed one payment. 

Ridiculous. I also believe they call under these other numbers : XXXX, XXXX, which puts their calls at 12 a day. They are relentless!

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 2018-02-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am extremely stressed out with the company, LoanCare. My loan was transferred to LoanCare in  XX/XX/XXXX. I was with another mortgage company starting in XX/XX/XXXX, and I never had an issue with my escrow or insurance policies. In XX/XX/XXXX, LoanCare started to contact me about flood insurance. They needed my flood insurance documents or they were going to put me into a lender placed flood insurance policy. My payment was going from XXXX per month up to XXXX per month. I contacted my condo association because I pay into a flood insurance policy through them. That paperwork was submitted to the initial mortgage company. I called LoanCare, which took hours of my time, to explain the situation, and my condo association kept faxing the insurance policy proof to them. I called every four days. They kept telling me that they never received the fax. So, we would go through the entire process again. After the 5th time on 3 way calls with my condo association, I told LoanCare that I was calling a lawyer if they didn't tell me another way to show proof of this flood insurance. My condo association sent me a pdf via e-mail to show me the proof. Finally, last week ( XX/XX/XXXX ), LoanCare told me that I could upload it electronically. I was furious. So, I received a letter confirming that I was removed from lender placed flood insurance. I was pleased until they screwed up my escrow amount again. They calculated it wrong and have me paying the condo association policy amount per month into my escrow. I NEVER PAID THIS INTO MY ESCROW BECAUSE I PAY A CONDO FEE EVERY MONTH THAT COVERS MY FLOOD INSURANCE. I tried calling at XXXX, and I waited 90 minutes to get a customer service representative, and then they disconnected me while trying to transfer my call to another department. I am beyond done with this company. I really want to refinance with XXXX, but I am unable to get a better interest rate right now. This company is stealing from people 's most valuable asset, their home.

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 2023-04-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than seven years.15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.

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 2020-02-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called from XXXX say that they were a process server and we're attempting to serve me for a lawsuit on behalf of 5/3 bank. They gave me this this phone number XXXX. I called and talked to XXXX and I he sent me documents from XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX # ( XXXX ) XXXX. I set up a payment plan but now I can't find any information on the firm and when I search the address nothing shows up.the debt is no longer on my credit report. I've not received any mail from them and I think I've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have already filed one complaint about the lack of communication with ED financial when trying to request a refund from my payments made from XX/XX/2020 until now. I originally requested the refund for ALL payments that were made from XX/XX/2020 until now on XXXX. I was ensured this would include payments that were made though XXXX before my servicer was changed to ED Financial. I wanted to be sure all of my payments would get refunded between both loan service providers. As of Today XXXX I checked my account balance and it does reflect my refund but only for the payments I made with ED Financial. The request was supposed to be a refund for all payments that were made through XXXX and ED financial. I then chatted with a customer service representative through ED financial and did notice they made a mistake and would have to review this request again? This should have been done initially, now I am going to have to wait even longer for something that should have been finished and completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Receivables Management Partners, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dsg Collect keeps calling me stating that I owe money for tuition from XXXX XXXX XXXX a former employer of mine ). I have consistently stated that I do not owe the money as the training was required for the job I had with XXXX XXXX. I finally received a letter from XXXX XXXX in XXXX 2015 stating that I did not owe any money and that any debt collection agencis have been notified that I do not owe anything. I received a call from DSG collect again XXXX XXXX, 2015. I told them again I do not owe any money and now have a letter from XXXX XXXX stating that fact. They gave me an email address to send a copy of the letter to which I did that day. I received another call from DSG collect on XXXX XXXX, 2015 stating again that I owed money. This time the person tried to tell me they were an employee of XXXX XXXX. I quickly found out it was DSG again. I told them I already sent the proof I do not own but they stated they did not have that record and that they have made a negative report to my credit rating. I asked where I could send the letter to that I do not owe and was given the same email address as before. I sent the proof that I do not owe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Fifth Third Bank and from the beginning we experienced billing related issues. Our mortgage payment has been and is alway auto-drafted from our account each month. We paid our XXXX bill of XXXX in full and on time on XXXX XXXX. The payment was never applied correctly to our account. Now the XXXX payment has been mailed back to us? We are not sure why. We have spoken with someone every week and nothing has changed. " XXXX and XXXX '' have both assured us that something that will be done about it via a " task '' system. XXXX XXXX follow up XXXX nothing change, XXXX XXXX follow up with XXXX, nothing done, XXXX XXXX follow up with XXXX, nothing done. XXXX XXXX we had a very disturbing call from their collections department about non-payment for our mortgage. 
We were assured there would be no effect on our credit, yet checking our credit report it has been reported as late payments. We are in the process of attempting to purchase another home and have been warned that this will effect our rate unless resolved. 
After again calling on XXXX XXXX " XXXX '' has assured us that something will be done but after all we have been through we desperately need help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I bank with Chime and I live in XXXX XXXX XXXX Utah. On XX/XX/XXXX there were XXXX ATM withdrawals at a XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX at XXXX p.m. for {$300.00} and another at XXXX p.m. for {$350.00} I noticed this immediately contacted chime who said they couldn't do anything until it was out of pending except cancel my card. When it was out of pending I asked them to please look into this they said they would and this was on a Sunday that same Sunday they said case closed we didn't find any fraud. I filed a police report with the XXXX XXXX XXXX Police in Florida Chime never requested to see the report, they claim that it's not fraud because I said I had my ATM card and that my PIN number was memorized. I have no idea why this seems to be a reoccurring thing with Chime and I know that {$650.00} isn't a lot to them but it's a lot to me, this practically ruined me I sent them screenshots of where these withdrawals took place according to their app. I can't believe how they absolutely refuse to refund any of my money and do a thorough investigation. I filed the police report so that XXXX XXXX XXXXXXXX can pull that footage at Chimes request, however chime will not make the request. I wish they would because then they would see it wasn't me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Medical Data Systems, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After a XXXX XXXX issue and had it resolved we had a medical bills from XXXX XXXXXXXX XXXX  that went unnoticed because we thought insurance was still paying it. Before we knew it the account was closed and sent to collections in XX/XX/XXXX. XXXX XXXX XXXX XXXX, they helped us out by reducing the owed amount from XXXX to just XXXX to settle it on XXXXThis was in paid in full that day by a credit card. The bill was paid and on with life we went. 
In XXXX of XXXX we get this call and a notice from Medical Data Systems another collection agency that was trying to collect on this account again for the exact amount that was written off {$300.00}. We were XXXX founded and disputed the validity of the collection and sent them all the current paper work we had. They continued to call until the end of XX/XX/XXXX. We got an alert on my credit report that they dinged my credit for the collection. I called them and Medical Data Systems wouldn't give me any proof of the debt or how they got the collection. All they claimed is that it was from XXXX XXXX. I called XXXX XXXX and they said that's impossible, and that the account was closed and sent to collections in XX/XX/XXXX. There was not another collection sent out on that account or wouldn't be because the account was closed. We are fighting with XXXX to have it removed from my credit and they will not do anything about the negative report. It dropped my credit score from a XXXX to a XXXX and we have been trying to consolidate our debt because i was laid off last year because of COVID-19 for 3 months and we lived off credit cards. We can not qualify for the consolidation because of this negative report. Medical Data Systems has not been able to provide proof of the debt and basically has fraudulently claimed the debt to be owed. I know how Medical Data Systems works and have extensively researched the com plaints about this company and its tactics to get people to pay the debt, by using strategies like we will remove the negative report if you pay the collections that is not even valid. I know i am not the only one that is being held XXXX with this issue by this company and its illegal collection tactics.

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 2023-08-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 EQUIFAX MTG 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
ACCORDING TO 15 USC 16811 - XXXX, TRANSUNION AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS AND DELETE UNKNOWN INQURIES- VIOLATIONS OF THE FAIR CREDIT 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 2022-04-26
Company: Continental Finance Company, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Continental financial reported a missing payment of 30days Late for the month of XX/XX/2022. I paid the creditor on time and I doubled the payment. I was never 31 days late with this creditor. I even disputed the creditor and sent payment documents that I wasnt late and paid in timely manner. The dispute reported accurate from creditor but its incorrect and I need further investigation with this creditor.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2022-01-07
Company: Halsted Financial Services, LLC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call from a number with no id then I say hello and nothing happens but silence then they hang up when call back it says not in service when I searched the number nothing comes up today it actually said halsted financial services but same thing happened I said good morning and then there was silence and then the phone disconnected when I searched up Halstead financial services and got their website I called the one 800 number and a woman answered and said someone elses name to me and I said no and asked them to stop calling me and she asked me again if I was sure I didnt know the person they asked for I said you called yesterday and it was silent and then you disconnected and then you called again today in silence and disconnect and then answer when I called her one 800 number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
FRAUD  TOOK MY MONEY. THEY KNOW IT WAS A MISTAKE I MADE. THEY CANT SHOW A TRANSACTION I MADE TO THEM TWICE ON PURPOSE. THIS COMPANY IS BEING ALLOWED TO BE FRAUDULENT IN THEIR WAYS AND HOW THEY DEAL. THIS IS CRIMINAL. I WANT MY MONEY RETURNED NOW!!!!!!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 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

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 2021-09-27
Company: N26 Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried closing my account with N26 Bank and they asked me in the Chat method for all my information AND SSN. Nobody is supposed to give their SSN around willy-nilly. Anyway, even after giving them the option to call/text me at the cellphone listed, they refused and first the chat-rep ( 'XXXX ' ) dropped off even after I gave my SSN. When I got back on again with her, she closed my account.

Company response to consumer: Closed with explanation