BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-01
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I 'm XXXX XXXX XXXX SSN XXXX RE : Helvey & Associates ( XXXX ) Collections on behalf of XXXX XXXX. X/XX/15 assigned to each credit reporting companies for {$150.00}. I had an account with XXXX XXXX as my electrical utility company. I moved to another area where XXXX XXXX was not the electric service provider. There was a balance that was due for {$150.00}. I was never notified of this as I had moved. Apparently the mail was not immediately forwarded. I left the country for about two months to XXXX XXXX, I can prove it via my passport. Upon my return I realized that I did not pay the amount that was due to XXXX XXXX. I then contacted XXXX XXXX and paid that amount of {$150.00} directly to them. I then learned that a collection agency was trying to charge me the same amount of money. That money was paid to XXXX XXXX, I called Helvey and Ass. and notified them. I later learned that the collections agency listed me in collections in one of the credit listing companies. I contacted both XXXX XXXX and the collection company. They refuse to remove that information from the credit reporting bureaus. As a matter of fact the lady from collections was rude and told me that I should have paid them. A few months later all XXXX  credit bureaus now had the collections in their reports. I 've contacted them approx 5 times in the last few years. I was told not to call, that the matter was resolved. I 've called XXXX energy about 4 times and they tell me there 's nothing they can do. The collections folk say only XXXX can remove the negative listing that is clearly affecting my scores and credit worthiness.. None of these companies are helping me. This should not be listed on my credit report. On top of which I never received the notification as required by law from the agency, and they ( XXXX ) were paid in full. I 've called again today both companies to make one last attempt and I was pretty much told that there 's nothing that they can do. XXXX XXXX ( XXXX ) Account # XXXX Also the date it was assigned to the collections is wrong. Its listed as XXXX XXXX, 2015. But XXXX has it as XXXX XXXX,2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
State: NC
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:
My XXXX account was hacked and my email address/login information was changed. They also added a second fake address to my credit report. I contacted the help center but the representative ignored me and never responded when I mentioned someone was committing fraud with my account. The help representative told me I set up the account with an email I've never owned ( XXXX ) this is not my email address and never has been.

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 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to remove the XXXX alert and credit freeze off my credit report ASAP!! I have called Transunion and it still was not done. I need the updates below done. I dont have a phone number on my credit report either. 

New Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Job : XXXX XXXX Phone Number : XXXX Please remove the the Alerts ASAP!!!!!

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 2022-04-26
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged my card {$75.00} on XXXX. Then on XXXX they charged my card again for the SAME amount. I disputed the charge. The XXXX receipt that XXXX provided to Citibank references the XXXX trip. Yes, XXXXXXXX XXXX response proved my point. 

I received no goods or services for the XXXX XXXX charge. I painstakingly provided Citibank tons of documentation yet they still aren't able to process the information. They simply can't understand it. I just received a letter from Citibank that states they didn't receive a " complete response '' among other falsehoods.

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 2019-12-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have gotten 4 voice mails for my husband's niece for a creditor. They have left messages on the following dates and times:
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019 XXXX XXXX.
XX/XX/2019  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
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: Investigation took more than 30 days

Complaint:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Grain Technology, 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:
Paid off loan with company in XX/XX/2020. 
Despite me contacting through multiple platforms continues to report inaccurate information to credit report. Has cost me several mortgage opportunity as they continue to report that I owe almost full balance on this account and that it is still opened to all three major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: CITIBANK, N.A.
State: CA
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:
Hello, this is  XXXX   XXXX  and I had a concern regarding Macys placin g a thirty  day late on my account in  XXXX  of   XXXX  . I was not supposed to be reported for this late, according to a manager i spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen t o Macys.  I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

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 2021-11-17
Company: Convergent Resources, Inc.
State: PA
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:
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-11-17
Company: OneMain Finance Corporation
State: PA
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:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX XXXX and I have not received a repsonse. I did my research and I am for sure that they have XXXX XXXX  to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX   XXXX   XXXX  was notified that i was closing my accou nt of 10 yr s. and switching over to  XXXX  for a much lower price. On  XXXX   XXXX  I called  XXXX  to get the balance owed on my account.My bill was always due on the  XXXX  of the month so I called a few days early. The agent gave me a final bill of  XXXX  with a confirmation number of  XXXX  and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed  XXXX . I immediately called  XXXX  and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the  XXXX  of  XXXX  I still owed the last few wee ks of  XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe  the money.Yesterday I  received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.

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 2017-06-03
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I need your help in a resolution to my problem w ith RBS Citizens  Bank referring to my 60 months automatically renewable term deposit account, which was matured on  XX/XX/XXXX .  <P/> I have tried numerous times over the years contacting  Citizens  Bank to allocate where the money {$7800.00 } (  as of XX/XX/XXXX   )  has gone to, but to no avail.  <P/> I have received a RBS notification dated  XX/XX/XXXX , stated that the named account was inactive and needed to be reactivated by my signed confirmation of the account by  XX/XX/XXXX , which I signed and express posted the confirmation letter to  Citizen  bank on XX/XX/XXXX   <P/> From  XX/XX/XXXX , I have contacted Citizens Bank no less than 7 times in writing to request update on status of the account and asked advice, and got no reply at all.  <P/> called  XXXX   Citizens Ban k on  XX/XX/XXXX  and received no helpful assistances : The first call, a person named  XXXX  hung up on me after I stated my case and requested account information ; and the second call a person named  XXXX  could not find this account and also hung up on me.  <P/> checked on Massachusetts State Treasury Lost Money website every month and can not find my name on the list of accounts. This CD was originally opened more than 30 years ago, with a bank ( to  XXXX   XXXX , now  Citizens Bank ) l ocated in  XXXX   XXXX ,  XXXX  Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Better Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I incurred financial losses by using XXXX to apply for a mortgage purchase on a single family home. The main issue I dealt with is the loan officer assigned to me has been out of the office for the last 10-15 days on a family emergency, which is understandable.. however the last 10-15 days is a critical time to gather all necessary documentation and explanations to underwriters to close. Better, didn't assign me another loan officer to facilitate the transaction, and now I will not close on time and will lose my contract on the home purchase. This has not only cost me valuable time ( which is much more valuable than money ), but also a portion of my non refundable earnest deposit on the home and the appraisal cost charged to me by XXXX Had they cared about me as a consumer and assigned me a proper and available loan officer we would have been able to close on time and I wouldn't have incurred any losses throughout this transaction. Competent Loan officers are critical to the closing of loans to provide explanations of to underwriters, when they aren't available theres not way for the consumer to speak with the underwriters due to current loan regulations. It is my belief had they provided me the necessary personel we would have closed on time with no issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: EQUIFAX, INC.
State: NY
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:
After repeated requests not to do this because my U.S.P.S. mail is not secure, Equifax, sent me a credit file :  XXXX   XXXX ,  2017  ; Confirmation :  XXXX  with ALL my private information fully exposed : name, social security, date of birth and home address. I complained about this issue but Equifax seemed to care less, therefore, I am forced to complain to CFPB to make sure it never happens again. This is a very serious issue when every major financial institution know otherwise including   XXXX   and  XXXX , Equifax does the exact opposite. This kind of reckless behavior is why financial c rimes against U.S. consumers are on the uptick.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Rocket Mortgage, LLC
State: NV
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:
XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as Quicken Loans and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. Quicken Loans denied us after we went over the information due to some unknown issues newly found. XXXX and Quicken loans working together. XXXX  { XXXX   } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX. XXXX. so that is how this began.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A recent entry in on my report is fraudelent and must be removed. My social was used to obtain gas services in XXXX XXXX. A place I've never lived in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Harvard Collections, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX at XXXX, a man named XXXX XXXX from Harvard Collection Services called me asking to verify my name, social security and birthday, which were all correct, but I refused to verify the information because I do not owe any money giving XXXX no reason to call me and ask for verification of private information. Just to be sure I had no outstanding debt's, I looked up any outstanding balances which appears on my XXXX account. After seeing that in fact, I do not owe any money at this time, I called back and asked for the companies address, phone number, and name of the person with whom I was talking to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted Citi mortgage to try to find out about my ability to request PMI cancellation and what it would take to accomplish this. The service rep has misinformed me and asked me to sign and return a document authorizing the appraisal of the property. In was assured that thebactuall appraisal will not be done if I disqualify under any other scenario for the PMI to be removed. Instead in was charged for the appraisal and was sent a letter statimg that in do n't qualify. I have reached out few more times to xleqrify why ibwas charged and was misinformed on multiple occasions regarding additional principal payment in would have to make to initiate the vancelation. after multiple attempts I brought down the LTV tobbelow thenfederaly mandated 78 % and yet citimortgage is still refusing to cancel the pmi. 

Please assist with my issue. 

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 2019-12-12
Company: EQUIFAX, INC.
State: NJ
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Please send me the original contract with my signature and the lender 's signature on the contract. PLEASE DO NOT SEND A COPY. 

Please provide an audit trail for the alleged debt as well to validate the debt.

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 2020-11-04
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
2016 car loan through santander consumer usa under investigation for consumer fraud. Charging customers to much hoping they would default on their loans. 
I am part of the lawsuit because I fall under the terms of the fraudulent loans. 
State of Neveda

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX  XXXX  XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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