BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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:
According to the fair Credit Reporting Act account # XXXX and XXXX has violated my rights Everything has to be 100 % inaccurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating an account was removed but the bureaus say it's accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

I did not give anybody 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 explanation
Consumer complaint received 2015-08-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I Have a mortgage loan with CITI Mortgage. Since it is a variable loan i have been making {$3000.00} principal payments to reduce my balance. I just to include the additional principal with the payment and write down the additional principal amount on the coupon. Several times they misapplied the payment and applied it to the interest and the escrow amount. i have called them many times and it takes a lot of time to get them to correct their mistake. i then talked to a supervisor and was told to make a separate check. I started doing that but every once in a while the payment is miss applied. I dont know what else to do to get them to stop miss applying my payments. If it is happening to me it must be happening to other borrowers who may not look at their statements carefully.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have notified credit systems international, a debt collector of XXXX XXXX XXXX, as well as XXXX XXXX XXXX directly, regarding an account they opened for an individual ( s ) that fraudulently obtained and used my personal information that I do not know and have never known. I have filed a police report and sent the fraud packet they requested to them via mail and never heard back. I have disputed the debt repeatedly on my credit report and they continue to report negatively on my credit and call and harass me for the debt that I never authorized, and they did not validate properly. I am at my witts end with this company. I had perfect credit before this identity fraud and am now unable to purchase a home with my husband for a fair rate that I deserve because they refuse to do the right thing and remove the reporting from my credit. On top of that, I have been denied credit with many financial institutions due to the impact of this collection, which I should not be held responsible for. I believe the company should be made whole for this debt, but they should purse the individuals at the addresses they offered services to in another city, and not me. I will never do business with them in the future due to the way they have treated me throughout this process, an innocent XXXX party of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
There is no wet signature printed by the following companies that I agreed to with the following companies that are posted on my credit report with TransUnion non of the companies listed has a written signature to agree to such actions even some of those companies are listed 2 and 3 times and the credit bureau still refused to even remove duplicate copies is the same hard inquiry and I have tried multiple times on multiple occasions by sending letters via post office to there post box listed on the Gov site to have the three major credit beaus remove every last Hard Inquires TransUnion - XXXX XXXX. and creditor who can not produce a wet signature it is considered fraud. Can you please have all three beaus remove all items in including closed credit card accounts from my credit report immediately please. TransUnion has provided me a case number. 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 2022-05-05
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALLIED COLLECTION SERV {$2100.00} Balance updated XXXX XXXX, XXXX  ALLIED COLLECTION SERV {$2800.00} Balance updated XXXX XXXX, XXXX  This account was previously removed from my credit report for fraud. I was not in the country on that date. and it was eliminated by credit bureau fraud and now this account appears again. This company constantly tries to put this debt on my report and every time it is put it is removed. It was previously removed for fraud. It's not my account, it's identity theft fraud. Already this account more than 1 year ago was denounced and eliminated. This is damage to my credit. 

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 explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
well the XXXX XXXX  doesn't want to remove the account of my credit report I did a Settlement and they asept it 30 day ago this is the settlement

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 2020-04-19
Company: Critical Resolution Mediation LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The place said in a message to my sister her full name and mine and a case number on message on her number. They threatened to sue my sister and me. I never got any correspondence or notice of a lawsuit from this place. When I called about phantom debt they never said yiu they were and never asked me to verify old information they had on me but couldnt let me know who the creditor was specifically, the dates the debt had occurred. They forced me to give my cureent information to them by threatening to sue me, garnish my wages and harass me with calls from spoofed numbers. I never got any correspondences or notice of a lawsuit from this place. I refused to sign a payment authorization after I searched the number they called my sister from and found out same number that calls for work from home job scam too. I have talked to multiple lawyers that say they have filed lawsuits against this place and they never respond back to them. Proof that they are scamming people about a phantom debt. They do not follow the FDCPA Law. The spoof numbers are XXXX. XXXX XXXX XXXX XXXX. 

The company number is XXXX. XXXX. And they person in the message is XXXX XXXX. When yiu call the spoofed numbers they go directly to his line. 


The XXXX number is a work from home scam number also which I have gotten harassing calls from them too same person XXXX XXXX. They call you from spoofed numbers about job opportunities They refused to mail me proof when I asked them to of showing the dates that phantom debt is from and to prove that they have it. 


The case number they said on the voicemail was # XXXX and calling from XXXX XXXX XXXX XXXX and person calling was XXXX XXXX Email address for them are XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-04-13
Company: CITIBANK, N.A.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my XXXX XXXX XXXX XXXX credit card with Citibank in XXXX, 2019. In XXXX, I received a bill for interest charges related to charges I didnt make. On XX/XX/XXXX, I called and was told if I paid the {$30.00} in interest charges I wouldnt owe them anything else. Although I didnt believe I owed them, I sent a check on the same day. In XXXX, I began to receive harassing phone calls about the money I owed. I called Citibank and was told they had received the check and I had a balance of {$0.00}. I was also advised not to respond to requests for payment. 

Citibank is now demanding {$110.00} in interest and late fees. There appears to be no way to end this cycle.

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 2018-05-30
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife tried to book our honeymoon to XXXX XXXX thru American Express Travel. They booked to XXXX XXXX XXXX and attempted to arrange travel. AMEX Travel was unable to book flights with reasonable layover. My wife instructed them to cancel the trip. On my XX/XX/XXXX AMEX statement I received a charge of {$11000.00} for the hotel. I called AMEX and they said we were inside the 30 day cancellation date and there were no refunds. I told AMWX that we would go on the trip if they could arrange airline travel. They said they would investigate it, but it could take several months. The XXXX XXXX did refund 50 % of the charge or XXXX. The reservation dates came and went. several months later they said they would not reverse the charges. I cancelled my AmEx card after 30 years. They continue to call me regarding payment. AmEx should take responsibility for the mistakes of their sister company AmEx Travel. They are policing themselves and trying to make me pay for something I didn't receive and was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MD
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 never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Upgrade, Inc.
State: MO
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:
I had an account with Upgrade and paid it in full on XX/XX/2022. Prior to the account closing I was on a hardship plan and no payments were ever missed. Upgrade has sent two credit correction letters to the credit bureaus to have my payment history corrected. Both times the correction was made, but I am having this problem again this month. Why is Upgrade still reporting anything on me and my account is closed and was closed last month when I reported the same issue to them. If my account is closed Upgrade should not be reporting anything to the bureaus, but they continue to do so and it is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX XXXX, XXXX my car was repossesed. 
On XXXX XXXX, XXXX Wells Fargo XXXX Department was made aware that the tires on the vehicle were leased and needed to be removed prior to car being sent to the auto auction fornsale. 
XXXX XXXX, XXXX XXXX XXXX XXXX sent over notice to sale vehicle to move vehicle tomauction WITH THE LEASED TIRES still on the vehicle. 

It appears Wells Fargo is refusing to remove and release the tires from the vehicle prior to the vehicle being sold. 

I have reached out to them again, this problem has yet to be resolved.

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: SC
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:
XXXXXXXX XXXX,2020 {$630.00} I call to make some arrangements

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX student loans that were transferred from XXXX XXXX to XXXX and they are XXXX double reporting late payments. So I have late payments showing up for the closed XXXX XXXX accounts that were transferred to XXXX and then XXXX is reporting the same late payments on my credit as well. So the same late payments are being reported twice from the old account owner and the new account owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Student Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In  XXXX   XXXX  I learned about the  Public Service Loan Forgiveness Program  ( PSLF ) through  one of  my professional magazines and called them. I found out that my current 'program ' had not been sending my payments of {$230.00} to  XXXX . I had been paying them through automatic debit since about  XXXX   XXXX . I immediately cancelled payments from my bank and applied for the PSLF. I began inquiring about the monies paid. Where was the money and why was n't it sent to  XXXX . My loan amount was about  XXXX  in the beginning and it was now  XXXX ! I was told my money was in an escrow account until they found the right program for me. I was given a breakdown of collected fees and total collected was {$5900.00}! We debated about a refund they initially offered {$1500.00} and final offer, which was paid {$3100.00}. They se nt 2 checks one for  {$220.00} and {$2800.00}. I deposited them    XXXX   XXXX   XXXX  . I c alled the Better Business Bureau  of C A during this process and they advised me to file a complaint after the checks cleared. The checks cleared on    XXXX   XXXX   XXXX  . T here is a balance of {$2800.00} that I believe I should have refunded. I was never placed in a student loan program and my student loan debt is higher than it was at the start. They did not pay my loans as agreed upon and this is very unfair to students trying to comply with repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 letter is in response to your letter on XXXX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting 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 2022-05-05
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: Information belongs to someone else

Complaint:
Someone opened a XXXX XXXX XXXX account in my name, with my documents, and for years I've submitted an identity theft report to ALL of the major credit bureaus AND the creditor. 

Each company fails to remove the account from my credit report and fails to acknowledge the identity theft, even though I've submitted a police report and a report from identitytheft.gov

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 2017-02-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have asked Equifax repeatedly over the past few weeks to remove dispute comments off my account. These are MY dispute comments ( and the dispute is closed ) so it is MY information to delete. The other XXXX major credit reporting bureaus did this for me immediately, but all Equifax will do is add another dispute to these accounts, to dispute my dispute comments. This is even worse! I need these dispute comments taken off immediately.

Company response to consumer: Closed with explanation