BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-31
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX. Not my account. 

This situation has been ongoing for so long, I do not even know when it began, but do know that I am very ill and XXXX at the time and over XXXX. 

I could hardly believe I received another collection letter recently, thinking after speaking with XXXX a few times, that per them, all was corrected. I have had the same phone number for many years, 14+. I started getting billed first from XXXX and then the collectors. 

The statement amount if for {$470.00}, dated XX/XX/2017, which was sent with the collector letter. I.C.System, account # XXXX, ref # XXXX. {$94.00} of this amount is for a collection charge. 

I realize one could talk until they are blue in the face with people like this to no avail. Well, I buy cheap phones and keep my bill down. I do not know how this occurred, but want the harrassment stopped.

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 2022-04-25
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an Arhaus credit card. The due date is the XXXX of every month. And the automatic payment can ONLY be set on the XXXX of every month. So I made a payment on XX/XX/2022 ( which is a Sunday ), Arhaus claims that my payment was made on XX/XX/2022 ( which is a Monday ) and then charged me a {$40.00} late fee. 

I am attaching a screenshot showing that the payment was made on XX/XX/2022 and the decision to impose the late fee was made on XX/XX/2022 ( although it was posted on XX/XX/2022 ). 

I talked to customer service several times, one associate said she will remove the {$40.00} fee but then she never did. I called back, and another associate said that fee can not be removed, still citing the reason that I made my payment on XXXX. 

I tried to use the online message portal and my message got denied every time. And the associate asked me to send a USPS mail to them and explain the situation. I think it is their tactic to deter people from reporting these unethical late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This company does not disclose to a consumer in their statements regarding special interest rate expiration nor does it show how much fees/penalties/interest will be assessed at the end of that special interest period. There is not indication on the statement of any interest to be charged in the event the full amount is not paid back before a certain date. This needs to be included on all statements.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX  In accordance with Fair Credit Reporting act XXXX account # 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 2022-09-14
Company: Torriere Holdings INC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple phone calls from this agency within 2 hour time-frame after confirming my information. I told the agent XXXX to stop calling me then I received another call 1 minute later stating she was going to tell her client I decided not to resolve my account without any conversation about the balance owed. She then transferred me to her manager XXXX agent XXXX and XXXX tried to say XXXX had a right to call back. I explained they were breaking laws of FDCPA. XXXX stated she would place Cease and Desist w/out me stating to do so. I asked XXXX to transfer me to her legal department where my call when then disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
Account has been paid to XXXX balence with XXXX XXXX XXXX XXXXXXXX 's. I am uploading correspondence on this from XXXX. Experian had previously deleted this account as well, yet added it back, which is also a violation. 


Experian needs to remove the account

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 2021-05-17
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert from my Credit monitoring service on XX/XX/2021 that accounts were opened in my name using my personal info, at PNC Bank on XX/XX/2021. I do not, nor have I ever had any past dealings with PNC Bank. I contacted PNC to alert them of this fraud and thankfully the accounts were subsequently flagged and closed before any transactions were able to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Nelnet, Inc.
State: MD
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:
I am distressed that you have included DEPTEDNELNET information in my credit profile on XX/XX/2013 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently contacted Transunion about inquiries I did not recognize I spoke to several people prior to this one one guy who Informed me that all inquiries disputed will be deleted as well as updates I advise about my employer. As of today none of the information I called about is even showing in dispute or under review. I am asking that all information I requested be removed from my credit report as well as my file be reviewed because the representative mentioned I had two accounts and I wanted to know why and the rep would not provide any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 I received an email notification of a card open, but not my name, from Barclays Bank, Delaware I do not know the name on the card or why I received a notification I called customer service and they asked for my last 4 of SS # and BD- which I did not give. 
They were not able to do anything about it without that information I am concerned the card is open using my information

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 2017-06-05
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
The following is a summary of actions between me and WINN LAW GROUP , APC.     After agreeing to pay the amount under condition that plaintiff and attorney for plaintiff show proof of debt, the agency in question did not yield or attempt to provide evidence supporting their claim. It is my belief that my private information was obtained illegally, therefore I contacted my local law enforcement agency to file a report for Theft of Identity under State of Califor nia Penal Code ; 530.5.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019 I decided to refinance my home. The process was going smoothly until I noticed there were not enough taxes added to my new estimated payment. I immediately notified my loan agent she ensured me the amounts were correct I had her check twice. I still wasnt confident that the amount was correct I submitted documentation to her, and she assured me again but she said she would have her immediate supervisor contact me. I explained repeatedly that I did not want to be hit with a large payment because they were not collecting enough. The supervisor called me at XXXX on XX/XX/2019 the call lasted 21mins. I was told that the amounts were right, and I was complemented on my knowledge and thoroughness. I was told I was the only one holding up the process at this point and I explained again I dont want to be hit with a large bill because you are not collecting enough money for my escrow account. I was told on a recorded line that the good thing about doing business with them is that they will never sell my loan and will always make it right. I said if it will be made right, I will sign tomorrow. I was assured and immediately made my signing appointment. 

My worst-case scenario came true on XX/XX/2019 when I was sent an email saying my escrow account was negative $ 800+. I immediately called and spoke to a supervisor sent him documentation of correspondence and gave him the phone call information where I was told they would make it right if it was wrong. He called me back a week later and told me I was short {$2500.00} and would need to pay it they did nothing wrong. 

I asked them again to look into it I dont feel like I should have to pay the {$800.00} in arrears because I begged them to get my taxes correct from the beginning. I was told they looked at it correct, but XXXX County Tax assessor doesnt label them correctly, so they were looking at only supplemental taxes. 

I dont think it is fair that they could give me such a misleading payment of $ XXXX/ mo to $ XXXX/mo and now expect me to come up with {$2500.00} to cover taxes they miscalculated. I went through all of this to save {$92.00} a month on a monthly payment and pay them {$2700.00} for doing the loan I dont think so. Somebody messed up and I was assured by the company they would make it right and they are saying they did nothing wrong. I would appreciate any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I did a Quitclaim deed on my old property and its showing up on my credit report as Derogatory and shows a XXXX  XXXX. I didnt do this XXXX  XXXX and I did mail a letter to the mortgage company. Its hurting my chances to buy a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX XXXX. In the past 5 years my mortgage loan have been sold to XXXX XXXX, XXXX XXXX, and now PNC Bank. In each of those my I escrow there has been a shortage which I have paid to dessolve up front to keep my mortgage rate at a minimum. I am a veteran of the XXXX with over XXXX percent XXXX paid by the va at XXXX percent. I also have my homestead reduction. In discussing the matter with these institutions I have had to provide the information to know avail. In this new transfer again from loan care to PNC Bank again there is again a shortage. I find it is abuse of power and insulting. My mortgage is transfer constantly and in the process increasing it even after paying the shortage my loan does not decrease instead the source or bank claim a shortage taking my mortgage payment up even though the shortage is paid on the escrow. I feel like am in slave by these banks and their process to sale the account and their evaluation without anyone to monitor there process. I asked that you help me. P.S. I refinanced in XXXX no equity was giving to me and I dont see how my mortgage is rising again putting affecting my living conditions. Help me with this abuse of financial responsibility. They are abusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, 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:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX XXXX - ACCOUNT # XXXX XXXX. XXXX AREA - ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.

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