BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was garnished out of my payroll check. Amount paid as agreed. Debt agency refused to correct my credit report as stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX reported around 6 late payments while all my payments and current and no late since they approved my loan Modification. I have documents showing my loan commencement with XXXX XXXX XXXX XXXX. My first modified payment began XXXX/XXXX/2014 and others payments required by XXXX XXXX XXXX XXXX were done onXX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2014 in the amount of {$1400.00} each month and on time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2.  VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED  COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received written and telephone communications about a debt I allegedly had to Bank of America. The initial communication happened about 1.5-2 years ago and I immediately became distressed, now knowing if it was true and not recalling any debt owed to them. Because the person I spoke to over the phone was so convincing and had so much information about me I figured it was true but before issuing payment I decided to go to Bank of America to validate the debt and the manager I spoke to looked through his system and didnt see any debt by me ( branch on XXXX XXXX XXXX in XXXX XXXX ). Then recently I was left a voice message at my mothers WORK PLACE regarding a debt to The same bank, so I called and again they identified themselves as debt collectors and/or litigators and they were attempting to coordinate a payment to resolve this debt before it was moved to a court where I would have to pay a different, much higher amount

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: CITIBANK, N.A.
State: PA
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:
In XXXX I have received a Sears Master Card issued by Citigroup. I have always paid all bills in time. In XXXX I have received a note, stating that Citigroup is changing things, including issuing new Credit Cards. I did not get a new Credit Card. 
But with statement closing date XXXX I have received a Statement for an account number I did not have. I have never had a credit card with the number in this statement. I have never activated a credit card with this number, because I have never received a card with this number. So it is not possible for me to use a credit card I do not have. I HAVE CONTACTED CITIGROUP IMMEDIATELY TO SOLVE THIS PROBLEM. The lady I talked to at the phone was rude, did not let me explain the case and hung up on me. 
So I wrote a letter to the billing department. The letter has been ignored. I wrote more letters to Citigroup, including to the CEO of Citigroup and the Vice President of Citigroup. The one to the vice President with Return Receipt. WITHOUT SUCCESS. Citigroup keeps sending Statements for the credit card account I have never had. They are adding up late fees to the statements. They have closed this account that never existed in my name. 
They handed this case over to a collection agency and have reported this to the credit bureaus what gave me a negative entry in my credit report and brought my credit score down.

I AM TREATED BY CITIGROUP LIKE A CRIMINAL, JUST BECAUSE CITIGROUP IS NOT WILLING TO SET THE RECORDS STRAIGHT AND CORRECT THE MISTAKE THEY MADE. 
I explained that to the collection agency and pointed out that citigroup has to file a law suite to receive a Judgement from the Court to have a legal claim. A law suite would clear the mistake made by citigroup.

I am not willing to pay any money for a mistake made by citigroup.

I expect citigroup to clear my records, and I expect that citigroup clears my Name at the credit bureaus, meaning that my Credit Report will be cleared of this entry and that my Credit Score will be cleared and returned to the state it was in before this negative entry from citigroup came.

Citigroup should also pay me Reparation for all the  trouble they put me through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
On XXXX a call was placed to Wells Fargo Dealer Services to see about a 2-3 month deferment due to a large financial change to where I would have to take over mortgage payment of a family member 's home due to job loss. I was denied being told that I had income and that the financial change of that type does not qualify. I when I was able to a a little breathing room I made a payment of {$800.00} to Wells Fargo to cover at least one payment as I was already a month behind. 

On XXXX I was diagnosed with a medical issue and spoke with Well Fargo on XXXX to advise them that I am going on XXXX with no ETA of return and that I am currently waiting XXXX   XXXX payments so that I can continue payment. Wells Fargo wanted me to give them a call on XXXX to advised them of when I'm making the payment. After that phone call on XXXX I noticed how " helpful '' Wells Fargo would be considering my current health issue. I did not call them until XXXX advising them that I have not gotten my XXXX money yet, they advised that a letter for repossession was sent out on XXXX which I have not received. I had advised them that my XXXX is still pending and I'm currently awaiting approval and my XXXX end date is XXXX depending on the status of my medical condition I will be returning to work afterward. They denied a deferment stating that I did not have any income. I told XXXX XXXX, that you can go verify with my employer of my current employment status and was told that they won't do that. So my question is which is it ... income or no income to get a deferment and why lie to your customers. 


This is bad business practice for a bank where they only care about themselves and not their customers.

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 2017-06-23
Company: EQUIFAX, INC.
State: VA
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 am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told that Medical Bills were going to be removed from the credit reporting agencies on XXXX XXXX, 2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies.

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I can not withdraw money from my account nor can I send money to friends. It started on XX/XX/2020. I get the error message " server error '' when I try to log into my account. Also when I try to withdraw money from the ATM I get the error code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Kriya Capital, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company CREDENCE RESOURCE MANAGE with address XXXX XXXX   XXXX, XXXX, MI XXXX USA placed in my credit report a collection for a XXXX on XX/XX/2019, but it appeared in my XXXX   account on XX/XX/2019. I tried to find Credence Resource Management Website to write them by email but apparently they don't have one. On XX/XX/2019, I contacted Credence Resource at phone number XXXX and spoke with XXXX XXXX. I gave my name, address, phone number and last 4 digits of muy SS number to validate my identity but he requested my full SS number. I told the customer representative to validate my information and identity with the information I gave him but, he continued asking for my full SS number which I refused. I contacted XXXX XXXX at XXXX and spoke with XXXX XXXX to verify if I have a due balance with the company and upon verification, he notifies me that my balance as of today XX/XX/2019, is XXXX. Also, I asked XXXX XXXX from XXXX XXXX if his company has also the name XXXX XXXX  which he responded that their name is only XXXX. Searching the Web for Credence Resource Management at forums I found that Credence Report Management is a scam company using the tactic of money collection. There are many complaints about this fake company calling for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: U.S. BANCORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The moment you are 15 days late on your car Payment US. Bank call the house no exaggeration 7 days a wee 2 times a day harassing you for the payment. I have the phone records to prove as the number purposely comes up unavailable because they know what they are doing is wrong calling a person as many times as they do and they need to be reported and stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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:
XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX are the attorneys for XXXX XXXX, a former client of USAA. XXXX XXXX opened a credit card in 2022 which was the subject of fraud. USAA determined that indeed there was fraud but has repeatedly thwarted efforts to attempt to resolve including return of monies XXXX XXXX paid towards the payment of the fraudulent charges. USAA has thwarted efforts by our firm to attempt to resolve including failing to acknowledge the firm 's authority to seek out information regarding the fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX sold this account to Jefferson Capital after I returned merchandise to them that did not work within 30 days. When Jefferson Capital started trying to collect, I disputed in 30 days of thr notice. Several years later they would call and then on their last call they advised that they could not collect on it anymore because of the age. I am not getting collection calls from XXXX XXXX they are advising that they are collecting on behalf of JEFFERSON CAPITAL who is listed as a company I had service with. XXXX had not sent me a collection letter and when they call, they did not want to advise where they were calling from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: AMERICAN EXPRESS COMPANY
State: PA
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 set up the autopay for the American Express card, but it didn't work. It still charged me late fees and interest, leaving a record on my credit report. I have contacted the customer support but it did not solve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: FIRSTBANK PUERTO RICO
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Greetings. 

The options presented in previous steps does't actually reflect my case. My case is that I got a new car loan in XXXX XXXX prior enlisting in the XXXX. After XXXX, and XXXX XXXX, got orders to XXXX to Arizona. I spoke with the bank back in XXXX XXXX to emit a letter that let me bring the car with me to my new XXXX. The bank 's answer was that they can not do that because the car still belonged to them and if I wanted to ship the car, i had to completely pay off the whole loan so the car becomes mine and do with the car whatever I wanted. 

I am still paying the vehicle loan on time but the car has been unused for the past 3 months because I can not bring it. I have tried to sell the account to interested people without any success. I also tried to refinance the vehicle with stateside banks/credit unions to bring the vehicle but I will end up paying way more with the new loan. I'm desperate with this situation because I can't find a buyer, I'm paying $ 500+ monthly to keep the car payment up to date but I'm starting to find myself financially " tight ' every paycheck. I just want to give the car back to the bank without affecting my credit and be released of that burden. If I were using the vehicle here with the same payment, I wouldn't be asking ; screaming for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX I opened a dispute with TransUnion. In that dispute TransUnion was asked to verify/validate an account. The account in question is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX. In accordance with federal law and FCRA guidelines ; TransUnion was given 30 days to validate/ verify the account or had to be removed. At this point TransUnion has fail to comply with FCRA guidelines and has not verified, validated or removed 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 explanation
Consumer complaint received 2019-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
3 Credit reporting agency My Info is incorrect please correct it, I have written letters no response.

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 2017-06-23
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sent 609 letter to Global Receivables asking for verification of debt. They sent detailed report with amounts owed from the hospital. I asked for my signature to verify i had a debt with this company and did not provide anything but an itemized list of everything i supposively received at the hospital. This is a hippa violation.

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 2017-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.

Company response to consumer: Closed with explanation