BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-21
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I was part of a theatrical production company called XXXX XXXX XXXX. We used XXXX to set up our website. For XXXX years, I have not been involved with XXXX XXXX XXXX. XXXX XXXX XXXX is still in existence but they do not use XXXX. I have been billed XXXX for an annual renewal ( what they say is an automatic renewal ) ; I have explained to XXXX as well as XXXX XXXX the credit card company ) that, since I no longer want/need XXXX services, this charge should be null and void. XXXX claims that, since it 's not a fraudulent charge, they can do nothing about it. I never said it was fraudulent ; it is simply a charge for a service from which I legally removed myself and needs to be cancelled. Efforts to clear this up with the credit card company and XXXX have brought zero results. I am XXXX XXXX XXXX ; I do not want or need this aggravation. I want to pay my XXXX XXXX but, since I will not pay the XXXX to XXXX, I know it will be an on-going problem with interest charges being compounded by XXXX. I am hoping you can intercede before I go to the media and my congresswoman. Thanks you. 
P.S. I have an email from XXXX advising that " Your Subscription has been Cancelled ''.

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 2022-05-05
Company: EQUIFAX, 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by phone by Rent Recovery Solutions, XXXX. The collector told me that I owe a debt that I do not owe. I requested that she mail information to verify the debt to me. I gave her my current address and she recorded it. She stated that a letter went out to an outdated address. I said, please mail me information in writing to my current address. She refused. She said that if I did n't give her a fax number or an email address, then I was not going to get it. She was belligerent and combative about it. I asked, then why did you take down my current address? She said she would not mail me anything and that she could only use fax or email and that it would only have the name of the creditor and the amount due, no explanation as to where the amount came from or why. I informed her that it is my right as a consumer to have verification of the debt and the amount mailed to me in writing, and she still refused. She has called me back 4 more times, even though she has refused to verify the debt in writing. I believe the behavior of the debt collector is in violation of the Fair Debt Collection Practices Act. 

I have since disputed this debt in writing to this company. The letter that was mailed to an outdated address was eventually forwarded to my current address via the USPS. Luckily, I was able to respond in writing within 30 days of the date of that letter to dispute the debt. This is how I found the name and address of the company. If the mail had not been forwarded to me in time, I would not have had the opportunity to respond within 30 days. I think that is why they refused to mail anything to my current address - they did not want me to be able to dispute the debt in writing. I did not have access to a fax machine and, because this sounds like a scam, I did not want to give out my email address. The FDCPA specifies that verification must be mailed to me - not faxed or emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Kashia Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX {$670.00} The company said I was approved for $ XXXX.Inbox loans took all my info down and said I had to fill out the agreement which I did.Every time I try to get the loan the loan officer kept saying he needs more info.I gave him all my info he needed and still he won't process the loan.I called them on the XX/XX/20 no answer ; XX/XX/20 no answer ; and today XX/XX/20 ask again, they hung up on me.Only when I said i would report them.I did not receive any money from them.I contacted my bank to make sure they do not take any money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, I applied for a personal loan to consolidate debt at Well Fargo Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 Wells Fargo sent an e-mail stating ; " Thank you for your Wells Fargo Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to Wells Fargo getting the run around each time. I called XXXX  and requested a copy of my credit report and as of this writing I have not received a requested credit from XXXX. I have seen several gang members who seem to be cozy with Wells Fargo employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )

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 2020-04-07
Company: STATE FARM BANK, FSB
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:
On XX/XX/2020, I paid a settlement amount of {$670.00} to XXXX  XXXX XXXX for the debt amount of {$840.00} accrued with State Farm Bank. XXXX  XXXX XXXX told me State Farm Bank is responsible for reporting to the credit bureau. I have filed multiple disputes with XXXX  that have included an attachment of the settled account letter from XXXX  XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020. The account still remains. I have tried getting a hold of the right people with State Farm Bank that can help me. I was always Transferred to someone who could not help me or transferred to XXXX XXXX XXXX  which tells me my account has been settled and it is State Farm Bank who is reporting the information. On XX/XX/2020, I finally got some kind of answer from an employee of State Farm Bank. I was told the paid account would be reflected on the next credit cycle XX/XX/2020 based on information gathered from XX/XX/2020. This account was paid on XX/XX/2020. It should already be on my credit report as paid. Instead the company has continued to report derogatory remarks for the month of XXXX stating that I have a {$160.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2016-04-04
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-13
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
Santander USA reposed the XXXX XXXX XXXX that I purchased almost 8 years ago. Santander sold the car for XXXX buck when it was worth at least {$5500.00}! I cant buy another car because this continues to show up on my credit after 7 years. I've disputed this multiple times on all 3 bureaus and they basically told me its 7 years from when I defaulted not 7 years from when it was opened. I also let them know that the dollar amount was wrong and to no avail. I'm tired of a 7 year problem keeping me from buying a new car. I'm a XXXX XXXX XXXX Veteran and this is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.

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 2022-05-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have also talk to EQUIFAX about my claims I have against them they also still committed fraud against me and not paid me part of the settlement they gave the claim number they gave wrong days that the force to pay me they said XXXX it was XXXX then in the same letter they said XXXX XXXX months that already had pass when they sent me this letter in XXXX. The have inquiries that's XXXX XXXX and also inquiring that's says inactive on there they are falsely and committed fraud on my credit report this unjustified unconscious this is a fraud against me my credit report they bring my credit report score down they want show it this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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 have been speaking with Experian for over 5 months now. I have disputed a XXXX XXXX XXXX that was removed from public records and should have been removed from credit report. Each time I speak with Experian and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.

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 2016-11-16
Company: Integrated Recovery Services
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They keep calling looking for somebody I do n't know. I 've called them back many times nicely telling them I do n't know the person and to stop calling me. The last guy told me they 'll keep trying to reach this person at my number and I am welcome to file a complaint. They have several phone numbers so it 's always different I 'm trying to block.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime bank locked my account and took all my money I was getting my XXXX XXXX  and paycheck there in XXXX  and Ive been trying to get my money back for the longest and all they do is ignore me Im on XXXX XXXX and everything and after that day it messed my life up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: CL Holdings LLC
State: AR
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:
After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I  recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. Jefferson Capital Systems # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX XXXX and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Jefferson Capital Systems has violated my consumer rights and the Fair Debt Collection Practice act by continuing to report fraudulent established accounts to my credit file after being notified by the credit bureau. In addition, sections 605b, 609, and 611 have also been violated under the FCRA. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports to the credit bureaus and Jefferson Capital Systems continues to still report this fraudulent account to the bureaus. I have no recollection nor recall opening or establishing any of these accounts listed above.

Company response to consumer: Closed with explanation