BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My homestaed property loctaed at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX was in forceclosure and taken away on XX/XX/2012 I was never aware of this the bank of Bank of America and XXXX XXXX never contacted me to inform me of this situation. I would of gladly worked with these banks and I would of never lost my property that I worked so hard to obtain my homestead property. I never received any documents that the above mentioned property was going into foreclosure. I will provide any documents necessary.

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 2016-04-19
Company: Simon's Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have been called once from Simons Agency Inc back in XXXX when on my way to a close family members funeral. I told them I was not familiar with this debt and I was out of state and to please send me info on the debt. To date I have received nothing from them. That was my only communication with them till today. I received notification that I had a collection on my credit report and was shocked. I pulled a report and found this collection. I called and spoke with XXXX at XXXX ext XXXX and she told me someone spoke to me while I was at a funeral and I was going to pay them. I honestly had completely forgotten about the conversation with them as it was rough time when I had originally spoken to them and had no other written or verbal communication with them. I told XXXX that I was not familiar with this debt and have received nothing from them at all. Was not notified that this was an attempt to collect a debt nor of any right to dispute the debt or anything. I brought up my rights under the Fair Debt Collection Practices Act under part of the FCRA and how they were in violation of section XXXX. She stated she did not care and was not even going to discuss anything to do with the FCRA and only that I needed to pay my bill. I stated I wanted to discuss having this removed from my credit report while I checked into the account as I have never received anything on this account from them. XXXX stated all they would do is mark it paid with the credit bureau and I needed to pay it by Friday. I stated that I would be filling a complaint with the CFPB and to not contact me until I hear back from them and then ended the call. I received a call with in 5 minutes of ending that call. 

I have no problem paying the bill if I owe it. I feel I have the right to check into the original bill as I have not received any notification on it. In the meantime I do not believe this should be held against my credit. Simons Agency has violated several sections of the Fair Debt Collection Practices Act. I should be felt like I have to pay a bill to have my credit report updated when I do not even know if that bill is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Security Credit Services, LLC
State: CO
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 was a victim of the Great Flood in Louisiana iXXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am submitting this complaint against Experian and there is no third party involved. My personal information is inaccurate exhibits will be provided in this complaint showing the inaccuracies. My name is and addresses are inaccurate. The name on my ID is how my name should be spelled and the address on my ID is my only address. The employer section is inaccurate. I don't work at those places. ( Exhibit provided )

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 2015-12-09
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage originated with XXXX, was transferred to Green Tree for servicing, and is now serviced by ditech. Our taxes and insurance have been paid by escrow with our mortgage payment since XXXX remade our mortgage. Without having received an escrow statement or reason for doing so, ditech has suddenly raised our monthly escrow payment by $ XXXX/month. Our real estate taxes have n't increased in years and our homeowners insurance has not changed significantly to justify such an increase. The escrow increase has changed our monthly payment by more than 30 % and has created a situation where we can not pay our mortgage on time due to the increased amount due. ditech still has not sent an escrow statement or written reason for this drastic change in our payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. 

I have today requested that they cease and desist. I have no accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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

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 2022-05-14
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX, I was aware that there was an unauthorized transaction on my checking account with Citibank. It was a {$5800.00} on-line outgoing wire transfer processed on XXXX. I reported this fraudulent transaction immediately to Citibanks customer service and fraud department I explained to the bank that it was a fraudulent transaction, as : 1. I never added the beneficiary ( XXXX XXXX ) to the payee list of my account, and I didnt know him at all. 
2. I never provide any information required to the bank to verify this on-line wire transfer.

3. During the past 10 years, I have only conducted 3 wire transfers ( not including this fraudulent one ) on this account. And I always went to the branch in person to conduct the wire transfer transactions with my personal ID After I reported this case, the bank gave me a case number and indicated that they would respond to me. Unfortunately, I have never received any response. I have called the bank many times and the answer was that the case was still pending. On XXXX, I contacted the fraud department again and I was told that my request of refund was denied. I asked the bank to send me a written response with the reasons of the denial, and until as of today, I have never received any written communication through mail or email from Citibank.

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 2017-10-01
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: Account status incorrect

Complaint:
To Whom It May Concern : My credit report has address I discovered that are not mine on it and it contained some errors pertaining to the following my individual personal information. I am demanding that you promptly update and delete addresses that I never resided and may possibly be relatives address. These please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. 

My name is : XXXX XXXX XXXX, File Number XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX OH My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please send me notification that these items have been deleted, as well as updated. I hereby acknowledge that the above information is true and correct. 
There is account I do not recognize from a XXXX XXXX XXXX # XXXX this is a error please delete!

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX PA Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent. 

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section S Subsection A1 - States 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 non-monetary relief
Consumer complaint received 2021-11-18
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-Balance {$510.00} XXXX {$0.00} XXXX XXXX-XXXX-Balance {$110.00} XXXX-Balance {$1500.00} XXXX XXXXXXXX*-Balance {$1400.00} XXXX XXXX-Balance {$8.00} XXXX XXXX XXXX***-Balance {$15000.00} XXXX XXXX XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Southwest Credit Systems, L.P.
State: TX
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:
I have a lot of credit/ debt fraud. One of the most recent is a debt for XXXX water utilities for over {$700.00} that I did not authorize. I have rental debt for properties I have not lived at and auto debts for cars I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NC
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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

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 2022-05-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was charged 6 times between XX/XX/22 and XX/XX/22 for a total of {$480.00}. They were all done at XXXX in XXXX and 4 of the transactions were for {$85.00} each. 2 transactions happened on XX/XX/22. I reported these fraudulent transactions to Chase as I did not make them and I have never lost my card nor have I given anyone my PIN number. Chase denied my claim. I then submitted proof that I was not in XXXX at the time the they were made by providing my employers timecard but they still denied it and said there is nothing else they can do. They are not able to tell me the exact gas station as there are several shell gas stations in XXXX. I don't know what else to do as this is the 1st time this has happened and the bank is unwilling to help me and said I have to take the {$500.00} loss which I canf afford to do. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04
Company: Simon's Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are calling every day always from a different number for NY XXXX AND NY XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now in XXXX of XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XXXX has been removed because of this divorce. They said a divorce does n't have nay bearing, i beg to differ. 
Via nycourts.gov New York 's XXXX XXXX Law recognizes marriage as an economic as well as a social partnership. The law requires that a judge divide property as fairly as possible. So medical debt should be included, and ever since I have disputed items, things have dropped, because my ex wife will not pay it, so why should I shoulder the burden alone. 

The XXXX Law talks about XXXX types of property for purposes of divorce : marital property and separate property. Marital property will be divided between the XXXX spouses. 

Marital Property : all property either spouse bought during the marriage, regardless of whose name is on the property. Pension plans and other retirement plans are considered marital property. 


Previously in a complaint, XXXX responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XXXX, and I was not enrolled in XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XXXX of XXXX it is not more than 4 years old. 

Also found from XXXX " Collection activities are not permitted and are illegal against individuals who are eligible for Medicaid at the time of their health care service. Any debt collection practices need to stop. '' I was covered by Medicaid at the time. For some reason, XXXX is refusing to research the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I call the debt collector to see if I could negotiate a payment plan for the amount that they list on my credit report XXXX $ and I ask them if they can send me an actual bill so that I can get a load and pay them, than a week later they serve me a court Oder in the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: SC
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:
Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXX XXXX ( XXXX XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. 

I have previously had an issue with XXXXXXXX XXXX ( XXXX  XXXX XXXX  ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. 

When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX  XXXX XXXX  ) to correct their inaccuracy.

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 2022-05-14
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: Personal information incorrect

Complaint:
I try to correct my personal information and remove but the credit bureaus refused to do it

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