BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-16
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I decided to refinance my mortgage that I had with Citi. I went through XXXX who communicated with Citi on my behalf. Citi told me that in order for me to do the refinance I had to make partial payments. Before this refinance process I had never been late mind you. I specifically asked the agent would these partial payments be held against me and would they count against my credit? The agent told me no. It was a lie. The partial payments that I made were reported to the credit bureau. This resulted in several late payments that have had a significant negative impact to my credit. I have called Citi and no one will listen to me ; just tell me that I was late. I listened to the instructions of my case manager and beleived and trusted him. I was lied to by my Citi account manager and it simply is n't ethical or fair. I want my calls that were recorded to be reviewed so they will believe me ; show that I was lied to by my account manager. I deserve my late payments during that time removed off my credit report. The whole process with Citi and XXXX took about a year. It was a terrible long drawn out process but eventually it was completed. I really need the late payments removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Bread Financial Holdings, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
If you will notice this is the exact amount charged off by stage commenity I was under the impression it was gone n this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without smart ellic men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. 

First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have dispute with Experian serveral time to delete XXXX of same account that was files as bankruptcy in 2008, the account name is XXXX XXXX ID XXXX and XXXX XXXX ID XXXX are the same account for the amount of {$730.00} I have request to removed but all other credit report has removed it, Experian has my score to lows and this need to updates. I also have another account that was files as bankruptcyXXXX XXXX ID XXXX I also need that one removed like other credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute letter to Bank of America because they are reporting info on my consumer report without my permission. I never received a response back from them.

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 2022-06-04
Company: Avadyne Health Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called H & R Accounts ( XXXX ) to let them know the debt was currently under dispute and investigation by a third party. I also told them I did not have an estimated date of when it would be resolved or the outcome. I offered to pay as much as I could to have the debt satisfied. They declined and threatened that if I did not pay the amount in full they would report it to the credit bureaus by a specific date. 

I then sent a verification of debt letter ( certified mail ) and called to make sure they received it. They confirmed it had been received but threatened again that a report would be sent to the credit bureaus if it was not paid in full by their arbitrary date. They reported this debt to the credit bureaus prior to me receiving any verification of debt from them or trying to come to any sort of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint

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 2022-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I was scammed out of {$2300.00}, and my California ID number, and address. 

I was initially recruited by the scammer ( s ) from a post on the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX, where one member posted that her company was looking for part-time data entry workers. I was contacted by their hiring manager, interviewed over XXXX XXXX and I agreed to work for them, at $ XXXX for XXXX hours a week. Once hired I gave them my personal info, CA ID, phone number, physical address, and email address. 

After that, I was emailed a check of {$2500.00}, and asked to buy software in which the total cost was {$2300.00} ( I sent {$1000.00}, {$500.00}, {$800.00} to several different entities via XXXX, Bank of America ), for a computer which they would send me. However, the check which I was given and had deposited subsequently bounced. 

Before the first check had bounced which took 2days, the scammer ( s ) also gave me another check of {$3800.00} to deposit, because the previous amount wasnt enough for the software needed to do the job. I have not deposited that check.

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 2015-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone with a similar name is listed with a different address on my report. This came about after a credit card was opened using my name. I would like the name removed with that person 's address in my Experian generated credit report. Experian makes you pay to change anything that is incorrect from their website and their phone number directs you to their website. I had paid a monthly fee to Experian earlier in the year for about 6 months but then discontinued the service. This is the first time to my knowledge that my identity has been used by someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Early Warning Services, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX  XX/XX/2022 {$1000.00} ( XXXX XXXX  was duped, conned, unwittingly deceived tricked into transferring funds for product I NEVER RECEIVED. When asked for my money back from XXXX first then Zelle, then ( XXXX ) I was told NO. Come to find out, EARLY WARNING SERVICES LLC ( Zelle ) is owned by XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( my bank ) had told me they had no relation to Zelle!!!! thats a lie!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has reported an inaccurate account from XXXX on my file that does not belong to me and should be removed. The original creditor is XXXX and reporting on my report as 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 2015-04-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have a judgement on my credit report that i was unaware of from a credit card company ( XXXX ) in XXXX they tells me they could not find me so they went and put a judgement on me, how 's that posisible? also a foreclosure is showing on my report. all this somehow from the ( sale of my home in XXXX XXXX. ) the judgement in XX/XX/XXXX-the foreclosure in XXXX XXXX mind you i sold the house in XXXX XXXX and moved from XXXX to XXXX with fordwarding address with the post office. why could they have not been able to find me? ( XXXX ) now i have deregotory things on my public records section of my credit report that is inaccurate and is keeping me from buying another home, after lossing my employment in XXXX, after 3 years i had to sell my home. how do i clear this up?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i am filing another complaint so I can resolve the issue on all XXXX major credit report companies. I would like to get this resolved on my Experian credit report. 

On my credit report, in the public record section it says I still owe XXXX dollars to a said cable company. I resolved this issue over a year ago. I left for XXXX military XXXX and my wife went and paid the said company. Yet I still owe, and it is causing damage to my credit score. I would like to get this resolved and off my credit report. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX XXXX XXXX XXXX XXXX reporting on my Experian Credit Report despite disputing via FACTA, additionally A FRAUDULENT and Police Reported XXXX XXXX Account is now reporting incorrectly on my credit report. I have gone to the Police Department and filed the applicable reports and forwarded to XXXX, Experian and XXXX, Experian is obstinate despite receiving the report in BLOCKING THE ACCOUNT! The account is FRAUD and reported to FTC, XXXX, XXXX and XXXX. It along with XXXX must be BLOCKED! PER FACTA DOES THIS CRA FOLLOW THE 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 2022-10-11
Company: EQUIFAX, INC.
State: TX
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:
Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX. XXXX ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Credit inquiries on your report that you don't recognize

Complaint:
I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.

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 2015-07-22
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was contacted several months ago to take care of a debt that I owe. I reached a debt settlement. However, I never received a debt settlement letter. I have made repeated attempts to retrieve such letter. I have been told that a letter have been sent out, however, I have not received any such letter. Every month, money is being deducted from my account. However, I am not sure that the debt is actually being paid off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare.

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 2016-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX reported a debt by me to Experian. I disputed but paid it to remove. They did not send me a copy of my signature for debt ( XXXX ) and Experian said they verified the debt. Would not confirm how? I paid anyway to remove it but they also refuse to remove it. The original date was supposed to be XXXX but since extended to 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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage is with XXXX. In XXXX, I requested return of my escrow, as XXXX did not pay my real estate taxes. I notified XXXX that I would no longer make escrow payments, as I have paid the real estate taxes and insurance on my own. 

XXXX will not return my escrow and have transferred money paid for principle and interest to other things. The result is an escrow account with no activity and money held in suspense. 

I submitted to Experian copies of my cleared checks which match to my scenario but not to what XXXX has reported. They do not accept my documentation. 

In addition, the phone number provided by Experian for XXXX is incorrect. This is a scam. I can mail the information, but I am not capable of uploading the documents

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation