BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received a notice that I owed a debt and this was the only way I found about it through my credit report. It looks like it showed I pay late and that shouldn't be on my report because I've never paid anything against this debt because it is not mine. My report showed it was in XXXX, Va and I've never seen a Dr in XXXX until my girls were born 20 and 26 years ago. 
I tried calling the number listed but It's an automated line and couldn't get anyone to return a call. I couldn't get through to talk to anyone either. To my knowledge I do not owe this 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 2017-01-26
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Citimortgage previously about their collecting property insurance and taxes on the alleged mortgage for account. I called once again and spoke to citimortgage representative XXXX ID # XXXX and asked informed her that Property Taxes and Insurance was my responsiblity to pay and NOT citimortgage. The representative said it was their responsibility to escrow taxes and insurance. This among other major problems exist with this alleged account. This collection of insurance and taxes is one of many. I have a written document from Citimortgage CONTRARY to what the representative explained. It is the " HAMP modification from Citimortgage dated XX/XX/2010 original document. This is clearly a BREACH by Citimortgage as I have previously stated I did address this problem in XX/XX/2010 but as usual it went ignored and citimortgage refused to STOP collecting taxes and insurance from me via escrow in this alleged mortgage. 
See documentation that I have included in this complaint. See paragraph 4 ADDITIONAL AGREEMENTS letters C and D of the Multistate Home Affordable Modification Agreement

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 2016-07-13
Company: AMERICAN HONDA FINANCE CORP
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Honda Financial Services refused payment and later reposses my vehicle without proper written notice. The first attempt : '' A Notice of Default and Intent To Reposses '' for XX/XX/XXXX and XX/XX/XXXX was forwarded to : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, PA XXXX on XXXX XXXX, 2016. In compliance with this notice, a payment of {$500.00} and an arrangement were made to void this notice. Subsequently, an arrangment was made to complete final payment to release the title of the vehicle. The total amount owed prior to the previous notice date was {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called XXXX twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score was decreased by 52 on XXXX and 74 points on Equifax. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I locked my Capital One XXXX card. No recurring payments were made with the card during the lock. The card was not used for any purchases or payments during the lock. 
While the card was locked, Capital One charged the annual fee to the account in XX/XX/2022. No notice was given that the card now had a balance. No notice was given that the annual fee was applied to the account. Therefore, I was unaware of the charge. I did not pay off the balance or make any minimum payment. The annual fee then incurred a late payment fee, interest and, ultimately, a derogatory 30-day late payment mark on my credit score. But for the significant drop in my credit score, I would never had known the Capital One card carried a balance.

I contacted Capital One by email and requested a removal of the derogatory credit mark for the late payment of the annual fee. I received a call back from XXXX ( XXXX ), who told me that my request to have the derogatory mark removed was denied. XXXX would not respond to my email or confirm the denial in writing. XXXX refused my request for the audio recording of our call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent two debt validation letters to this company asking for validation not verification of the debt they say I owe in the month of XXXX, 2019. On XX/XX/2019, this company sent verification of what they say I owe but they sent me procedure descriptions that was explaining personal things as if I signed a HIPAA release form but I never signed the HIPAA release for XXXX XXXX XXXX to release my medical information to this collection agency. On XX/XX/2019 FirstPoint Collection Resources , Inc. sent me a letter back acknowledging that I sent them a HIPAA release dispute letter but yet they still did not remove this account from collections. I've already filed a complaint on this company with the XXXX XXXX XXXX, the FTC, the CFPB and the Attorney General of North Carolina. Now this is my second complaint before I sue this company in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, 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 have been a victim of identity theft and have made countless reports over the years about this. I've sought out several credit agencies in hopes of clearing my credit of fraudulent activities which has fallen upon def ears. I am hoping by reporting this it will hopefully grant me the results I need to live my life and buildup my credit with dignity. I would like all fraudulent accounts removed so that I can buildup my credit and finally do what I need to do for myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
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 ) -- CLOSED ACCOUNT 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$3000.00} -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 non-monetary relief
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian has lowered my excellent FICO score 16 points for absolutely no reason and to raise the score in blackmailing me into giving them access to my checking account balances, transactions and rewards. I think this practice is Beyond intrusion it is dangerous and absolutely needs to be stopped. I have a screenshot of their ploy.

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 2015-07-22
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I believe this collection was from XXXX or XXXX. 
I have never received any written notice of collection, however, I received a phone call around XXXX about a collection. 
I disputed this on the telephone with the debt collector. 
I informed the collection agent to get the info in question, since the company I worked for went out of business. The coverage I had was to be paid at the time by the company supplied insurance. 
After checking my credit history, I found the collection agency changed the contact info to XXXX without ever contacting me?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I called Experian twice to remove a fraud alert from my account but it continues to be updated. I called regarding this issues on the XXXX, XXXX, and XXXX of XX/XX/2020. I was informed that this fraud alert would be removed but everytime i look at my report it is not removed and seems to updated to a new fraud alert after i call. 

I called XXXX for the same situation and was told that the fraud alert would be removed effective immediately across all three reporting agencies but it has not been removed on any of the reporting agencies web pages. 

My credit score  was decreased by 52 on Experian and 74 points on XXXX. I was never given any information as to why it had decreased. Everytime i called i was re-routed to another credit reporting agency that gave me no information as to why my score would have decreased. I believe these organizations are fraudulent and they should be able to report the reasons for any changes to a 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 2020-08-14
Company: EQUIFAX, INC.
State: NC
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 REPORTED THAT I DO NOT LIVE AT XXXX XXXX XXXX XXXX TEXAS XXXX, XXXX XXXX XXXX XXXX NC XXXX WHICH APPEARS ON MY REPORT DUE TO FRAUD THEY HAVE FAILED TO REMOVE IT FROM MY FILE, ALSO THE NAME XXXX XXXX IS MIXED IN WITH MY FILE USING MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I disputed a charge made on my account by a company who used deceptive and fraudulent tactics. I received a call from XXXX stating that I had a reward from XXXX and XXXX, they already had my credit cards numbers, telephone number and address which made me think it was legitimate. Such company said that I just needed to pay for the taxes which amounted to {$290.00} Then, I received the alleged award which really was a timeshare promotion. I did not agree to that. I disputed the transaction to Citi because it was a fraud. Citi denied the dispute even though I informed them that I was victim of a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a checking account at Citi branch location XXXX XXXX, 2016. Wrote a check from an existing account at another bank to establish balance. It was deposited in my presence that day. Requested checks for the account, was told they cost ~ {$29.00}. Explicitly asked bank employee if I should pay for those, he said no, it will just be deducted from the checking account. The originating bank shows my initial deposit posting XXXX XXXX. Six days ( four business ) later, the checks were charged to the checking account, but the initial deposit was still not " available, '' resulting in a {$34.00} " insufficient/unavailable funds fee '' on top of the price of the checks. Called customer service, they were unable to reverse the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX   HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.

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 2020-08-14
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 information incorrect

Complaint:
XXXX XXXX credit card ending XXXX appeared as Fraudulent charges in amount of XXXX incurred and will absolutely NOT my responsibility for the account, i have reach out to the bank institution notify all the fraudulent activities. I have completely Paid in full all of my account to zero balance except for Fraudulent charges. Any charges arise out of fraudulent account will not be in my responsibility.

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 2015-07-13
Company: Arbor Residential Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed a validation letter for the debt disputes. The debt collector failed to provide any accurate information. The original creditors were filed in Chapter XXXX bankruptcy. In addition, the reported balances is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I habe tried to have this company verify this debt they won't instead they send me a bill this does not mean I made the debt Where is my instrument bearing my signature and the contract evidence that it was bought deom the original creditor They will not prove this They so not have this information How can I be forced to pay without true verification

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 2020-08-14
Company: Applied Business Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got alert from credit report applied bank was on there, i am unaware of any business being conducted with this company .... 
Not My account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed 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