BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
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 am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX survivor that has been taken advantage of in the past couple years I'm finding. Someone has falsely filed unemployment in my name and now I'm also finding that I have a bankruptcy on my credit report that I never filed and closed unsecured debt that I never authorized or opened. I have tried to settle this with the creditor but I'm not getting anywhere. I'm not sure what else today to have this inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made a phone call to Citibank XXXX XXXX, XXXX to close my account and pay off the entire balance. They confirmed on XXXX XXXX, XXXX that in order to close the account that day I needed to pay XXXX $ I payed that exact amount that day and they told me that my account would be closed. 2 months later on XXXX XXXX, XXXX I received a recorded phone call from Citibank saying that i was 2 months late on an interest charge they applied to my account the same night I closed the account XXXX XXXX, XXXX. I called them back to see what the issue was being that I had closed the account 2 months before. The first person i reached from Citibank said she had no record of me closing the account XXXX XXXX, XXXX and that it had remained open. I then asked to be transferred to a supervisor as i knew this was incorrect. After being transferred to the supervisor, they said they had found the notes on my account being closed but it was charged an interest fee that came the night of XXXX XXXX. They said i needed to get a subpoena to get the original call when I closed the account, that confirmed them saying they would close it if I paid the balance of XXXX XXXX which I did.

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 2017-10-20
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
Submitted request the Free Annual Credit Report online to Equifax and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Hurricane Ir
ma in XX/XX/XXXX in XXXXg Fla I call my mortgage company Carrington Mortgage Service the following week and advised that based on the Forbearance law or act that I needed two months of payments added to the end of my mortgage term, This was done immediately. I received a document from Carrington advising me to fill out RMA Request For Mortgage Assistance. I am totally confused since they are requesting me to make XX/XX/XXXX and XX/XX/XXXX payments no later than XX/XX/XXXX. I was not given this information when talking with the first CSR on XX/XX/XXXX This complaint is regarding the Forbearance. Refraining from the enforcement of something such as a debt, right or obligation that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXhas 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

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 2017-11-01
Company: Comerica
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: AMERICAN EXPRESS COMPANY
State: IL
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 was offered to open an account with American Express in XX/XX/XXXX. I do not remember if I agreed to their annual fee of {$95.00}. I moved in XX/XX/XXXX, and I had not received any documents from American Express. I did an address change with the USPS, and did not receive any documents at my new address until XX/XX/XXXX, where it said I owed {$95.00} that was assessed in XX/XX/XXXX for American Express credit card annual fee. I called them and explained what had occurred over the year, they did not change my address to the new address, we closed the account, and an investigation was opened as to the {$95.00} annual fee. I received a new bill from American Express for {$95.00} today. I called to discuss the fee and that I do not believe I need to pay the fee. They told me the investigation was closed and that I owe the fee. I asked if there is anything that can be done because I never activated the card, I never used the card. XXXX I never got the card. I asked for a manager, and the agent transferred me to the manager who said that he has discussed it with his team and there is nothing they will do. I do not believe I should be required to pay the fee. The bill is still going to my old address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2017-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received the card statement attached below after the due date, which due date was XXXX XXXX XXXX. I am not sure if it was sent to the wrong place or if it was sent to a neighboring house and they realized but it appeared in my mailbox after the due date. Due to this I went online to create an account ( I believe on either XXXX/XXXX/XXXX or XXXX/XXXX/XXXX ) to attempt to pay the card issuer Capital One but by then it already had a late payment penalty of an extra {$28.00} on the card, min due was {$59.00} and online it was showing {$87.00}. Because of this I ended up calling to try to resolve the issue with the card issuer. I spoke to an initial agent she said she would be happy to waive a late payment fee due to the situation and especially it being the first payment and given my situation. I replied thanks and that this should be the only time since I am now registered online and can check and pay bills before the due date moving forward. She then assisted in helping me pay the statement that was sent late & I paid {$60.00} on XXXX/XXXX/XXXX. I then asked for what my next payment would be on XXXX XXXX and she said {$87.00}. After several minutes of discussing & doing math I explained that I was still being charged extra {$28.00} I asked her to escalate to her supervisor. After 20 min of discussing the same with her lead XXXX XXXX Id # XXXX ) he said nothing can be done. I explained that surely this situation happens and that I ca n't be the only one who got a statement late after the due date. I went on to try to explain that I was now signed up online so I can check for statements and that due to the error on their end I was asking for a one time grace for the late charge of {$28.00}. He just kept saying that is not how it works and nothing could be done. I explained that the late fee was waived given the situation so why ca n't the Penalty APR because that is the extra they are basically charging for getting something in the mail after the due date. So because of that there would be no way I could have ever paid before the due date because I had not statement to refrence to pay. My account # with them is XXXX. I also explained that I was trying to work with them and paid the statement balance due as soon as I had it in my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company refused to remove an alleged account for XXXX aparmtnets. They could not vailidate the debt by providing a contract with my signature according to FCRA guidelines. Because of their refusal to remove the unvalidated account, I agreed to pay the amount in return for deletion. The company took my payment and refused to remove the unvalidated account. Their customer service representatives and managers have been rude and not helpful during this entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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:
I have reached out to XXXX XXXX XXXX  several times to have the information being reported removed as it is reporting inaccurately. I have given several chances to have the information verified and proof shown and this has not happen. First letter went out XX/XX/2021, second went out XX/XX/2021 and third went out XX/XX/2021 and all I have received is that the information was completed over the phone which does not show contractual proof the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Problem with personal statement of dispute

Complaint:
It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved 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
Consumer complaint received 2022-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That Bank of America Bank And XXXX XXXX XXXX XXXX XX/XX/XXXX Without My Knowledge 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 non-monetary relief
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: PA
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 name is and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late and the balance as reported in my XXXX Credit Bureaus. Lets correct this immediately. The XXXX  are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Stating a consumer owes a debt 15 usc1692 ( B ) 2. Furnishing a consumer report without the consent of the consumer, 15 usc 168 ( 1 ) ( B ). Limits on disclosure of nonpublic personal information to nonaffiliated third parties ( 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 2022-05-03
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NH
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:
XXXX XXXX is reporting a COLLECTIONS debt for unpaid medical expenses. 
One of these was removed, but two remain in the amounts of : 1. {$180.00} ( Date Updated, Payment Received ) I did NOT make a payment on this account. I have no knowledge of this account. 
2. {$200.00} ( Verified as Accurate ) I have no knowledge of this account.

I disputed these debts for the following reasons : 1. I had no knowledge of the debt.

2. The company, MBA Law, never attempted to collect the debt from me.

3. The debt does not match anything under my medical bills in the amount or date.

4. I have paid my medical debt or I am paying I'm accordance to a plan.

5. This has been added as a collections account to my credit report without the 180 days delay in reporting in accordance to the 2016 Credit Reporting Act. 
6. MBA Law has not provided proof of this debt belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/20 asking that they would validate the amounts of XXXX listed on each bill they claim I owe. This company has failed to validate my debt. Instead they sent a list of medical records which I know is a direct violation of HIPAA Regulations. I never signed a HIPAA Release Form authorizing them to have access to this information. My privacy has been violated completely. Please delete this from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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:
On XX/XX/XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
State: GA
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:
I have written Experian and informed them that public record information on my credit file is being reported in error and that the public record information acct # XXXX that they have belongs to someone else who may have used my personal information. 

Initially, Experian did remove the inaccurate and erroneous information, but after checking my Experian credit report, the inaccurate and erroneous account has been entered onto my credit report again. 

I have written to the USBK Court and they did inform me that they do not send information to the credit bureaus nor do they verify information with the credit bureaus. The item in question should have never been on my credit file and it should not have been re-entered on my credit report once it was deleted.

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 2022-05-03
Company: EQUIFAX, 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:
An accordance with the fair credit reporting act XXXXt has violated my rights Account # XXXX Date : XX/XX/XXXX Amount : {$24000.00} Account # XXXX Date : XX/XX/XXXX Amount : {$410.00} Account # XXXX Date : XX/XX/XXXX Amount : {$150.00} Account # XXXX Date : XX/XX/XXXX Amount : {$2100.00} Account # XXXX Date : XX/XX/XXXX Amount : {$13000.00} 15 U.S.C 1681 section 602 A. States I have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing this item because I am no longer responsible for this debt. When we bought our home, the realtor XXXX XXXX paid the remaining months from the lease with XXXX. XXXX did receive the funds via check from XXXX XXXX on what was owed along with a signed statement between all parties. 

Now XXXX has sold this debt to IQ Data International. Now IQ Data International has been calling daily, constantly from different numbers from XXXX to XXXX. I have never heard of this company, we have no dealings with this company in any form.I had no idea this debt was on my credit until I checked it. Per law, you can't just add anything to a person 's credit report and have not contacted them via mail verifying the debt. Calling and leaving no messages but demanding and threatening I verify myself when I answer my phone is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Linebarger Goggan Blair & Sampson LLP
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Linebarger Goggan Blair & Sampson, LLP sent me a second notice of unpaid tolls and fees. I have never been to Delaware. If they are not scammers, it can be there someone had stolen my old car plate and used it.

Company response to consumer: Closed with explanation