BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.

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 2016-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX MISC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB 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 non-monetary relief
Consumer complaint received 2017-05-15
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 information incorrect

Complaint:
I get  XXXX  students loans showing on my credit report who actually getting paid by my mom monthly. The company just now reopen my debt and doing a garnishment on my paid stubs bi-weekly. I do not own a student loan the debt is under my mom credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution 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 2017-05-15
Company: CITIZENS FIRST WHOLESALES MORTGAGE
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had my old mortgage lender ( XXXX XXXX XXXX XXXX, IL ) sell my home loan to Citizens First Wholesale Mortgage Co. Their address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and phone is XXXX. We have tried several times in XXXX XXXX to get in touch with Citizens First about taking an automatic draft payment from our checking account every month as XXXX XXXX did. They never returned our calls for a couple weeks so we kept calling them back. Finally they did say the first month they needed a check so we sent them XXXX for XXXX. After that they would set up our payment to come out on the XXXX of every month. As of XXXX XXXX our payment of XXXX has still not come out. My husband called last week to find out what was going on and they said they transposed some numbers and our payment would be automatically drafted out in a couple of days. He spoke with someone named XXXX XXXX  week later it still has n't come out. I called them this morning to find out again why it was so difficult to take our money and I do n't want to have any late charges against me. An answering service answered and said they are not accepting calls and lots of other people are mad that no one has returned their calls either. This is crazy that I ca n't get the mortgage company to take my money, do what they say or not even be able to speak with someone from Citizens First now about my mortgage. I am worried about them trying to charge me late fees or having to pay a mortgage payment twice. What kind of fly by night operation is this?

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 2017-05-15
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Payments for my mortg age to Zions National bank were consistently paid and NEVER LATE. I fell behind in my taxes and asked Zions National bank to impound my taxes with my mortgage payments and they refused to do so. Zions National bank continued to accept my mortgage payments which I increased from {$4900.00} to {$6100.00} to cover the rearages of my taxes. Zions National Bank accepted my payments and then foreclosed any way and violated their contractual obligations to render payments to the taxing authorities and did not act in Good Faith.Zions National Bank admitted that they took the additional monthly sum for the past 15 months and applied it towa rds the principal to buy down the mortgage, rather than apply these amounts to my taxes..I hired  XXXX   XXXX , attorney and they foreclosed even though they kept accepting my increased payment of {$6100.00} and stated the foreclosure would be suspended I also contacted  XXXX   XXXX ,  the District Repr esentative for Congressman  XXXX   XXXX   XXXX  an d asked for their help.

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 2016-04-27
Company: Law Offices of Paul L. Marks, P.L.L.C
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First this law office led me to believe he can collect, he is not can not do this in New Jersey, I ask for the account to be validated I do not agree with the amount, I was willing to pay the assist agreed now in the letter he says he will still sue? this doctor was not the doctor that did the service, he was a back up which to discharge my wife and he was not in our plan. I did not know this I feel the real doctor should pay him due to the fact he was already paid for the service with my Ins.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: ERC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
my medical insurance co. owes them and decided not to for cost was to high for a XXXX mile ride. XXXX owes this not me that 's why I pay XXXX insurance companies

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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 have submitted several request to Equifax to remove inquiries that I have not made on my credit report. I discovered these inquiries while reviewing my credit report report. Each time I have made these request by phone, mail and online they have sent me the same letter, which only explained what an inquiry is. By Equifax sending me this letter and reading me this script several times allows me believe they have not reviewed the inquiries belong on my credit report or my disputes. This is the only documentation I have received. My disputes began in  XXXX  of this year. The following days I initiated disputes of these inquiries :  X/XX/2017   ,  X/XX/2017   ,  X/X/2017   ,  X/XX/2017    and  X/XX/2017   .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 2016-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled an account with XXXX in 2015. I have disputed it 3 times with Experian and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law

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 2016-06-26
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX. The account or debt do not belong to me. The following inquiries are unauthorized and fraudulent : XXXX, XXXX, XXXX, XXXX. I have been receiving harassing and threatening telephone calls and death threats from XXXX representatives.

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 2017-05-15
Company: BlueChip Financial
State: RI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Family members and friends received call from  XXXX  indicating that they are looking for me to serve a subpoena for a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: EQUIFAX, INC.
State: MO
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:
Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Midstate Collection Solutions, Inc.
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/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citicard advertises a 15.24 % interest rate and I would expect on the unpaid balance. However that is not the case. In four months, XXXX, XXXX, XXXX, and XXXX of 2021 I failed to pay the entire balance for a total of {$6500.00}. At a 15.24 % simple interest rate the amount I would owe them in interest would be 15.24 / XXXX * {$6500.00} / XXXX or {$83.00}. However I have been charged {$850.00} in interest for these ( 4 ) events. I did the simple math on this and it is a 155 % annual percentage rate. I did not agree to a 155 % interest rate. I called Citi and they informed me that the interest rate was calculated on the average daily balance on the period of the billing cycle and does not take into consideration the payments I made. Seems unreasonable to me. This is an interesting problem indeed! 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 2017-05-15
Company: SUNTRUST BANKS, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company,  XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun  Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from  XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year   XXXX  , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted  XXXX ,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       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 2017-05-15
Company: Fay Servicing, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The attached information constitutes a formal complaint against  XXXX  mortgagees and/ or service lenders ( collectively referred to as mortgagees ) who have successively ( mis- ) handled my loan :  1 )    XXXX   XXXX    ; 2 )   XXXX  ; and  3 ) Fay Servicing.      I believe that these mortgagees have conspired to defraud me, the consumer, from federal initiatives and the protections of federal guidelines. Further, it is my belief that the mortgagees have misrepresented terms of my loan and rights to which I am entitled ; failed to process my requests for modification, other documents, and qualified written requests in a timely manner ; intentionally complicated matters for the purpose of confusing the consumer and thus denying available assistance ; transferring the loan from a    XXXX   XXXX   servicer to non-  XXXX   XXXX , thus indisputably and unlawfully altering the terms of the mortgage ; failed to fully apprise the consumer of available options, specifically modifications for which I was eligible ; altered the terms of the modification after the completion of the contracted trial period payments, at significant cost to the consumer ; reported deficiencies to credit bureaus despite on-time payments in full ; notified via certified mail my former spouse, whose name was never on the loan, in violation of privacy protections ; negatively impacted my eligibility for  XXXX  funds, in large part due to the failure to process documents in a timely manner ; used abusive, harassing and coercive tactics in attempts to intimidate me into surrendering my rights and paying excessive monies, further compounding the   XXXX   XXXX   that was created by the referenced failures of and abuses by the mortgagees ; refused to provide reasonable accommodations for documented  XXXX , and discriminated on the basis of said  XXXX  ; and other actions by the mortgagees.   The details of the complaint and supporting documentation are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. 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 2016-04-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.

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