BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Firstly, I would like to submit a complaint towards XXXXXXXX XXXX XXXX for selling my information to a third party company, Express recovery services, without my knowledge and Authorization. This can surely be classified as identity theft. 

I received a mail on XX/XX/2022 from Express Recovery Services, A Debt collection Agency at the amount of {$220.00} without explanation or reason. 
A breakdown Stating ; Client name : XXXX XXXX XXXX, amount owing {$210.00}, interest {$9.00}. 
XXXX XXXX XXXX is our electric company. I say 'Our ' because I share a house with three other females and we all pay utilities under one account number. The account was under my name up until XX/XX/XXXX. I was leaving the country for a few months, so it was only smart to switch the account over to one of the other roommates name, in order to avoid any mishaps. All bills prior to this were paid and paid on time. XXXX XXXX XXXX can testify this. I was not aware of any other payments due, because it would've carried over to the name on the account after me. 
I made a call to XXXX XXXX XXXX to inquire about the situation and gain some clarification as to why I had a collection report on my credit. They explained that there was a closing cost/bill which was unpaid. I explained to them that the account was never closed, and its still active till this day, it just got switched over to a different name because I was leaving the country and won't have had access to make payments. 
I tried to come up with a way to resolve the situation by making any payment claimed to them directly, to avoid further deterioration towards my credit, but i was turned down. The representative let me know there was nothing she could do and the only thing to do was to call the debt collector and make the payment. 
This has caused extreme damages to my credit score and has put me at high risk of not being able to obtain any future assets which has caused me mental anguish. 
Lastly, I would like to add that I do not owe Express Recovery Services any debts or payments because I didn't not sign nor have any contract with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
State: GA
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:
There is an account listed without full account number and the misspelling of my name. I have contacted both the credit bureau and the reporting companies and sent copy of drivers license and social security card. Letter sent back to me stating investigation complete and remains on my credit report. Companies listed is JC Penny and 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 2021-09-04
Company: EQUIFAX, INC.
State: NM
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:
XX/XX/XXXX : I terminated my lease with Rental property owned by XXXX XXXX DBA XXXX XXXX XXXX XXXX. 
XX/XX/XXXX : I moved from property, signing lease with new company XX/XX/XXXX. Account at XXXX was paid in full at the time. I was told I owed nothing further by management of XXXX. 
XX/XX/XXXX : I find that I have a collections on my credit report. I reach out to management at XXXX XXXX  XXXX XXXX. They send me a move out statement with multiple late fees, which I was told were waived, and for rent and utilities for XX/XX/XXXX. I gave notice that I was moving XX/XX/XXXX. I moved out in XXXX of XXXX, these should have never been charged for XXXX. I was told there was nothing that could be done since it was already sent to collections. 
XX/XX/XXXX : I find the collections removed from my XXXX  and XXXX  reports. Equifax was unavailable. 
XX/XX/XXXX or XX/XX/XXXX : I filed a complaint about this company with CFPB and my complaint was forwarded to the FTC. Nothing was done about this. My complaint is being ignored. The company continues to report inaccurate information and has refused to fix their accounting process. 
XX/XX/XXXX : I find that the collections has reappeared on equifax. I have disputed this 7 times. Each time it is verified as accurate. I have explained that I do not owe this because I did not reside there. I have explained that it is a mistake on behalf of the property management. 
XX/XX/XXXX : I reached out to property management, they will not return my calls. They have stated that it would be removed but have taken no actions regarding this. 
XX/XX/XXXX : I filed a complaint with CFPB about equifax. Equifax responded that they were investigating but have done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full but still reporting on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
i have file two different disputes one on XX/XX/2020 the other on XX/XX/2020. still have not received anything from the credit bureaus. i understand with the covid19 things are not normal, but i still should have received reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: John C. Heath, Attorney at Law, PLLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Specialized Loan Servicing ( SLS ) violated loss mitigation procedures pursuant to CFR XXXX Prohibition on a foreclosure sale and the Appeal Process. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: GA
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  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; USDOEXXXX XXXX Balance : {$0.00} ; USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: MS
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:
XXXX, XXXX, Equifax violated : 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.

15 U.S.C. 1681s-2 ( 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.

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The latest Activity date of XX/XX/XXXX which Equifax and XXXX are both reporting is Incorrect. The correct Activity date IS XX/XX/XXXX. The last Activity date for XXXX XXXX XXXX collection agency should reflect is XX/XX/XXXX. Not XX/XX/XXXX. I have disputed this several times by phone and XXXX to no avail. This is detramental to my credit and needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Earlier this year, a rep from our mortgage company ( CitiFinancial ) called to let us know that they were going to possibly be readjusting our mortgage. They said they would be sending someone to do an appraisal, and based on the determined value, they would be reducing the amount we owe on our house. They also said they would be giving us better terms for our mortgage. Since we have been paying on our mortgage for ten years and the principal has not gone down at all, but has actually increased, we were pleased that our terms could improve. They then had us begin working with another company ( XXXX XXXX XXXX ). This other company made it seem as though they were going to refinance our house for the amount of our appraisal and would give us a better interest rate ( our rate through Citi is around 10 % ). They gave us a list of things we needed to provide, and we gave them back the information they requested. They then sent another large packet of information to send back to them. This took us a long time to complete, and was complicated. We sent it back and had it returned a couple of times because they wanted more information. We gave them what they wanted. They then sent us another long list of things we would need to repair on our house to qualify for the mortgage. They said that our house would only appraise for the amount we conducted all the repairs. These repairs were extensive and would have cost us more than XXXX dollars to complete. They gave us a deadline ( a few weeks ) and then stopped working with us. Recently, I began looking online for some information about our mortgage company to see if there was a reason why they had to contact us in the first place, and I learned that on XXXX XXXX, 2014, Citigroup announced that they came to a settlement to resolve residential civil claims of predatory lending. Here is what I found : XXXX. I believe our loan was one of the loans that should qualify for " principal reduction and forbearance for residential loans, as well as other direct consumer benefits from various relief programs. '' We believe that it was never the intention of CitiFinancial nor XXXX XXXX XXXX to ever refinance our house or reduce our mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My credit statement was set up for e-billing however, Macy 's American Express, for some reason did not have have e-mail address on file to send the bill. I confirmed this when I called Macy 's credit department. I discovered that they had put a 30-day late payment on my credit report through my XXXX XXXX notification, but Macy 's had n't tried to contact me in any other fashion. When I called them and asked what charges could be on my card they said there was XXXX charge in the state of Washington, a place where I have never been. They said on or around XXXX XXXX, 2015. I was in XXXX XXXX at that time. I have receipts to prove this. They added late fees even though I was never notified. If they had had an e-mail address I would have been alerted to the fraud. Now I have to wait 7-10 days before I receive a fraud report to send back to them. Macy 's says it will take 90-120 days for it be investigated, and another 90-120 days for this to be taken off of my account. Plus I paid the bill so it would n't continue to hurt my credit score. And I 'll have to wait 6-9 months before this is removed from my credit card 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 monetary relief
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Citibank about refinancing my mortgage. I was given a rate which would be locked in for 60 days. I was given a list of documents to submit. I scanned and sent the documents. As these were being reviewed, I would get more requests for various information, which I continued to submit. I paid for a an appraisal of my home which was set up thru the bank. I continued to respond to the requests for more information. Seven days before the end of the rate lock, Citi is still requesting more information. We are are now at day 70 and the staff that was working with me is on vacation. I have no idea if I was approved or not for this loan. This loan should have closed weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
in re : HSBC- XXXX XXXX XXXX banking corportation U.S. dispute claims mishandling by hsbc and failure to credit transaction for returned items to merchant. 
hsbc failed to properly credit dispute claims and merchant made false claims and after i returned defective car and missing car documents. hsbc gave all kinds of run around and never contacted me for followups. after 6 months of investigation my claim was finally escalated to a manger of hsbc in new york named XXXX XXXX, XXXX, Customer Relations. hsbc stole my money and never properly disputed my claim for lost money. product-car was returned because seller refused to provide authentic car document and invoice. and XXXX participated in the fraudulant activites. hsbc never had anyone that spoke in american language. i could barely understand the foreign employees handling my claim. this happened on multiple occasions. and 2nd concern was that after making bill payments for 6 months ... the first 3 months bill payment were returned but hsbc bill pay stole the 3 bill payments. i have asked numerous times for my refund of the bill from XX/XX/2022 to XX/XX/2022 and the XXXX  hsbc XXXX  did nothing and failed to do anything. its seems like everyone at this hsbc XXXX bank is very incompetent and deceptive and liars and don t know what to do. they need to be investigated by US federal banking agencies for their dirty banking practices!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I received your response, that you close my complaint that I sent, to Investigate the Erroneous Account : XXXX XXXX Balance : {$0.00}, that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I am submitting this complaint again, myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2015-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Balance transfer

Complaint:
Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action.

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