BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir/Madam, Please see attached for my letter sent to Citi Credit Card company regarding the trip booked thru XXXX but got canceled due to the COVID19 pandemic. Below is a portion of my letter : " Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It was nice talking to the Citi customer service representative on XX/XX/XXXX regarding the charges to my credit card account. As requested, I am writing this letter to provide more information. 
Back on XXXX XX/XX/XXXX of XXXX, I booked thru XXXX for my big family to go to XXXX XXXX XXXX, XXXX for a vacation in XXXX of XXXX. But, due to Corona virus pandemic, it was cancelled and XXXX gave us credits to use for when we are allowed to travel again. 
As California reopens for business and we are planning to travel again, On XX/XX/XXXX I called XXXX to use credit vouchers for our upcoming vacation, but the XXXX customer service representative did some research and told me that we can not use the credit vouchers as the airline that issued them is no longer operating and he advised me to dispute the charges with the credit card company. '' And this is a portion of the letter the Credit card sent to me : " This letter is in regards to your disputes with the above merchant for {$420.00}, {$460.00}, {$460.00}, {$460.00}, {$420.00}, {$420.00}, {$420.00}, {$410.00}, {$410.00}, {$460.00}, {$420.00}, {$420.00} and {$460.00}. 
We have reviewed your disputes and determined we are unable to assist you due to the age of the charges. We needed your letter within sixty days from the first statement on which the transactions appeared. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account. '' As it was my intention to use the credit vouchers to go on the trip again so there no reason to contact credit card company within sixty days of the the transactions appeared. Now that the airline is no longer operating so I can not use the service that I paid for and have to ask the credit card company to help and I think that the sixty days should be an exception in this case.

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 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having? 

Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is. 

Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation. 

Step 4 : What company is this complaint about? 

All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this 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 explanation
Consumer complaint received 2022-06-18
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:
in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: EQUIFAX, INC.
State: WA
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:
From my credit report, it shows a late payment forXX/XX/XXXX, calledXX/XX/XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: ENCORE CAPITAL GROUP 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:
Per XXXX it shows an account has been closed and the following still appears on my credit report. Per code 15 U.S.C. 1681 has been violated. 

MIDLAND CREDIT MANAGEMENT {$1200.00} Balance has been charged off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/23 I noticed that the company ( XXXX XXXX XXXX ) whos taking out money on my account was a fake company. They somehow got ahold of my information and used my account number and routing number to withdraw XXXX transactions of {$380.00} = {$770.00}. I called Wells Fargo to submit a claim in regards to this fraudulent transactions and denied my claim due to the way the scammers took out my money. They informed me that from their end I was the one who took out the funds ; and they cant help me. They said to call the scammers back and try to get my money that way. So long story short scammers had my info, used it to take out funds but Wells Fargo wont refund the funds due to the way it was taken out of my account. Also theyve been putting holds on all my funds I deposit which is affecting me and my credit due to unable to access my funds

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 2017-09-10
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:
Equifax Security Breech Complaint Summary : " Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX  residents were also affected. '' XXXX Thread and XXXX Thread " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' " The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. '' Attempting to verify identity on site resulted in positive result for data breech, however offered solution is to wait for Equifax to offer identity protection service while giving up any ability to recover losses due to improper usage of data collected via legal methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
all of the above- trying to force me to pay interest when accounts were under legal advisement of uprigth law for chXXXX. two accounts- one sent to lvnv one sent to XXXX ( a known credit XXXX ) refuses to manage accounts once resold. harassed my cell for over 120K, then continued to do it after sending em a letter saying theyd stop. forces people ( as do many others ) to allow roto-dialers and spam which is extortion and illegal. banks are doing this now ( XXXX, XXXX etc. ) I ever consented to this ABUSE. 
resold the debt after atty hired. refuses to manage to rebuy it back. LVNV non responsive but sent me this note from a so called law firm w letterhead that now also is not responding. ( claims of not a lawyer-they y use letterhead-this is a threat ) will not settle accounts and wants my lawyer info in order to do so ( continuous extortion ) refuses to purge info from credit files ( 5 ) and continues to defame me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America honored a levy being placed on my account that was not a court issued document. I have a copy of the fictitious charge that only displays my SSN and name. The Indiana Department of Revenue requested my address to prove that the charge did in fact come from them. The company that placed the charged on behalf of the Indiana Department of Revenue was XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America never had an Indiana Address on file for me to honor the charge nor was the address provided on the document. The charge was for a bank freeze on two of my checking accounts for the same amount. The bank was contacted by myself and the only document they could provide had no legal authorization signed by a Judge or any court in the State of Indiana. Charging me the following amounts and fees : Account # XXXX Account # XXXX XX/XX/XXXXXXXX ( Hold ) XX/XX/XXXX XXXX ( Hold ) XX/XX/XXXX XXXX legal order fee XX/XX/XXXX XXXX Legal order fee LTS Can provide the document upon request. Total amount charged to me was for 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 monetary relief
Consumer complaint received 2017-09-10
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage with Ditech and refinanced with another lender in XXXX. I am due a refund from Ditech for my escrow account and have yet to receive my refund. Ditech said they issued a check on XXXX and when I called at the end of XXXX I was told they could not report it lost until 30 days. I called on XXXX and they supposedly reported it lost and were issuing me a new check. I called on XXXX and they said they would transfer the money directly to my checking account with in XXXX business days. It is now XXXX and I still do not have my refund.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX residing at XXXX XXXX XXXX XXXX, New Jersey. There is a scam going on at Bank of America on mortgage payment Center. Bank of America is forcing customers to pay escrow. I am paying my monthly mortgage through Bank of America on-time for almost eleven ( 11 ) years now. The Bank told me early this year that I failed to pay my property tax I having been paying for over a decade promptly. I went to the XXXX, NJ XXXX tax office and they said we got it late my mail but we got it and has been processed. I think Bank of America also paid the city property tax and were refunded. XXXX XXXX NJ Tax office { ( XXXX ) XXXX } were late to send us ( everyone ) the remaining half of 2019 tax accessement bill and the 3rd Quarter due date was due in XX/XX/XXXX and 4th Quarter due onXX/XX/XXXX.I was current and to-date on my property bills. This can be verified at above phone number or I can provide the actual bill in my possession. 

Now Bank of America is telling me I was late that the 4th Quarter was due on XX/XX/XXXX not XXXX XXXX and are adding escrow fund with late charges to my account. This illegal and offensive activities should be stopped immediately.

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 2022-10-06
Company: Resurgent Capital Services L.P.
State: NY
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:
On XX/XX/XXXX an XX/XX/XXXX LVNV FUNDING LLC added derogatory marks on my credit report per XXXX XXXX. upon, further research, these accounts were transferred/sold an I am no longer responsible for these accounts debtors creditor did not verify these collections. Also, there was no written form of communication, contract, or signature for these accused debts at all. A bill without out a signature does not validate these debts and anyone can send a bill an say its mines. According to the FCRA, LVNV FUNDING LLC has violated my rights as a consumer an I am requesting legal actions to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX -- SPS is  refusing to review its borrower for a short sale. This is a violation of servicing guidelines, which guarantee the borrowers right to pursue alternatives to foreclosure. 

-- -- SPS has claimed that XXXX made this decision. However after conversations with XXXX we have found this to not be true, and they recommend we ask SPS to actually read the guidelines sent to them. Please understand we have closed thousands of short sales and have management connections in all major lenders within the unites states This is not the first time that we have had SPS erroneously read a new set of servicing guidelines and come to an inaccurate conclusion as to the instructions within those guidelines.. This isnt even the first time this has happened this year. 


CC : Office of the Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Reporting Act XX/XX/XXXX acct 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 an 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 2022-06-18
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
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:
Due to poor security practices and the recent Equifax hack my personal information was improperly shared with others and will be shared will untold many numbers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have written and spoken with Equifax, XXXX, and Equifax several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, Equifax removed the bankrupcy but put it back on and XXXX and XXXX did n't budge has refused to budge and continues to report this on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act i believe XXXX bank account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2022-06-18
Company: EQUIFAX, INC.
State: WI
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 Reporting Act XX/XX/XXXX acct 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
all of the above- refuses to dismiss as fraud when the company decieved me. 
onemain has not proven that they bought the account from a 3rd party collector.
takes 90 days ( limit is 30 ) to respond to challenges and then continues to refuse to remove negativity.they were contacted by XXXX XXXX and refused to them also for 9 mos. 

since the company defrauded and decieved me then refused payment twice from legitimate banking info- I REFUSE TO PAY THEM. I have the RIGHT TO REFUSE under FCRA. 

therefore account must be deleted. keeps reporting as " in collections '' to the bureaus despite multiple legal demands. DEBT IS NOT OWED. THIS IS EXTORTION.

Company response to consumer: Closed with explanation