BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I received a bill from XXXX XXXX for {$280.00}. Because I had no idea why a bill was sent into collection I researched this charge to discover it was a purchase made at Macy 's Dept. Store on my Macy 's charge for {$20.00} due XX/XX/XXXX. Prior to that purchase, I had a XXXX balance on my Macy 's account and history will demonstrate that my bills were always paid on time. I had moved prior to making that purchase and had completed changes of address, but for some reason, I never received this bill, so it accumulated fees totaling {$260.00}. I sent a letter dated XX/XX/XXXX to XXXX XXXX and to DSNB explaining that the fees were unreasonable due to never having received the initial bill and that I am willing to pay the charge of {$20.00}, but not {$280.00}. In XX/XX/XXXX, I received another bill from XXXX XXXX XXXX willing to resolve this matter for {$200.00}. I am unwilling to pay more than the initial charge since I had never received a bill ( but was able to receive the collection bills ). I wrote another letter to XXXX XXXX dated XX/XX/XXXX. My hope is to resolve this bill for the initial charge of {$20.00} and have it cleared from 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 2020-09-06
Company: ERC
State: KY
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:
XXXX changed my cell phone account from a pay as you go account to a contract account without my permission. When I stopped using the phone as a result of this they sent me to collections with ERC. I settled this debt with ERC 3 years ago, but have been told by my banker that it is still showing up as an unpaid debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
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:
I have tried multiple times to have fraudulent information removed. It has been to no avail. I have submitted the identity theft affidavit and an APPROVED police report and the bureau refuses to follow the FCRA. I fee like they are trying to make the call that the police report isn't accurate when that his not what they are required to do by law. The police authorities deemed is valid and APPROVED it therefore the bureaus needs to comply with the FCRA instead of blatantly break the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: AES/PHEAA
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: Account status incorrect

Complaint:
In XX/XX/XXXX AES reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called AES to inquiry and dispute. The AES representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. AES responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my  account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
American express travel related services company has issued to me a check for {$150.00} on XX/XX/2018. 
I did not cash the check on time, it is expired now. I am trying to get a replacement check. 
I tried to contact A E card : the agents said they have no records or information about this check. 
I then XXXX the AE travel related company phone number and called them, but there was a recording stating that the number is not valid ... 
So I called CFPB and was advised to mail my request to the company directly, if that fails, contact the AE credit card and See if they could help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-17
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Cascade Capital bought my defaulted loan from XXXX. The Statute of limitations in Florida is 5 years. The loan was sold to Cascade XX/XX/2015. Cascade refuses to take this off 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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to TransUnion I reported it to XXXX  and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right 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 2021-01-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my old mortgage with Wells Fargo with XXXX in XX/XX/XXXX. 

The closing was on XX/XX/XXXX. The payoff amount of approx. $ XXXX was supposed to be sent to Wells Fargo by XXXX on XX/XX/XXXX. 

Something failed with XXXX and their Title company XXXX. The payoff was only sent on XX/XX/XXXX, and received by Wells Fargo at XXXXXXXX XXXX CST, after the cutoff period required by Wells Fargo for same date value. 

Therefore Wells Fargo continued to charge me interest on the mortgage through XX/XX/XXXX and only posted the payoff on XX/XX/XXXX. 

At the same time, XXXX also charged me mortgage interest for the period of 7 days from XX/XX/XXXX through XX/XX/XXXX. 

Essentially, I paid mortgage interest to 2 banks, for an overlapping period of 7 days for the same property due to failure of XXXX to timely wire payoff funds. 

Despite repeated outreach to XXXX, they persist in denying any accountability for the delay and only compensated me for 1 day of interest, of the total period of 7 days. 

Wells Fargo contends that their payoff statement to XXXX required receipt of funds before XXXX XXXX CST for same day value. 

Due to this, I am caught between two large organizations, each denying any accountability. I request CFPB to please investigate and require one of the banks to make me whole for the overlapping mortgage interest period from XXXX XXXX-XXXX XXXX, both days inclusive.

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 2020-07-06
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 unable to access my online account for my XXXX XXXX XXXX Rewards Card since mid-XXXX. i can not make payments or view an up-to-date balance. I have been told that others are having my issue and that I just need to wait since the beginning of XXXX. My understanding is that XXXX forwarded a report on XX/XX/XXXX designating me as a late payment after being told that 1 ) any late fee or interest would be waived by multiple parties ; 2 ) that I would be able to access my account in order to make sure I was paying for what I should be paying for. 

The company called me at work today before putting me on hold about a late payment. Nothing has allowed me to get online and pay my account, and I am told that late fees ( that they waived ) have been reported to Transunion. I have been told that it is automatically reported and that there is no one to speak to about correcting the result of an error on their end. Additionally, I am told that there are no supervisors to speak with after the person on the call speaks to a supervisor and that they are unable to do anything for me about my online access other than just wait. I am told that I can make payments over the phone but have no way of making sure my information is current and correct before making a payment, something which is impossible based on conflicting and confusing information given me over hours of speaking to various customer representatives.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of 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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and underSection 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information whichcannot be verified or reported inaccurately. '' The law is noticeably clear as to the Civilliability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA. I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXX # XXXX, OHIO DEPT OF HUMAN SERVICES

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you

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 2021-01-22
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

-- PERSONAL LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my 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 2020-01-24
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
So I have been trying to resolve this issue with shellpoint mortgage since back in XX/XX/XXXX when this first occurred. Back in XX/XX/XXXX I received a statement in the amount of {$390.00}. Which I paid. The following month I received a statement saying I owed {$1200.00} with a overdue payment of {$390.00}. 

I have reached out and talked to multiple agents about this with all of them confused about this issue. They told me to contact my loan officer. After getting an email back from her, she told me to email this info to XXXX They emailed me back saying they are looking into the matter. I then emailed my loan officer about a week after this with her telling me I should get something in writing a month later. Two weeks later I get a letter saying they received my request to look into this matter. Still have not heard anything beyond that. 

Every agent I have talked to has been confused about my statements and no one can not make any sense out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The second address on my credit report is WRONG. I do NOT nor Never lived at this address .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was born and raised in XXXX XXXX, Nevada. I have lived here my entire life. We have lived in our house for almost 32 years. Could you please help remove this address from my Credit report. Thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2023-05-03
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable 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 2020-07-10
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
This complaint is involving Credit Acceptance, I called them regarding my payments, all payments are up to date now. They reported 30 day late payments for XXXX, XXXX and XXXX. 
My payments were late due to COVID, I expressed that to the company and they assured me they would freeze my account and there would be no marks that would report negative. 
I need this fixed on my credit report as Im getting turned down for auto refinancing and an approval for mortgage on a new home. 
I have documentation to prove this was COVID related. 
I was quarantined for 14 days and was still sick. 
I took a leave due to the fact there were several cases that were reported and I was afraid for my health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank promised a new account promotion for {$400.00}. It should reach to my account by XXXX. Please see attached letter sent by their research team. But the same money has not come to me yet. I did many follow up with their customer care but none of them are helping.

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 2021-01-30
Company: I.C. System, 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: Account information incorrect

Complaint:
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This accounts are not mine and can not be verified as mine so it should not be reported to 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