BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: RoundPoint Mortgage Servicing LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I bought my house and my mortgage service was XXXX XXXX XXXX. My first payment was scheduled for XXXX and I sent check # XXXX on XX/XX/XXXX that was cashed on XX/XX/XXXX. For my XXXX payment I sent check # XXXX on XX/XX/XXXX and it was cashed on XX/XX/XXXX. In the month of XXXX I received a letter about the transfer of my service to Roundpoint Mortgage Servicing Corporation and that the XXXX payment had to be made with the new company. On XX/XX/XXXX I made my payment online for the month of XXXX but on Monday XX/XX/XXXX I couldnt make my online payment for XXXX since the reflected amount was {$2400.00}. I immediately called them and they told me to send proof of all my payments made so far to XXXX and that he will take my payment by phone for the month of XXXX as the investigation begins. It is from this day that my nightmare begins, they say they only received one payment from XXXX XXXX XXXX. Since then I have been communicating with the 2 companies, without any specific response. 
I kept communicating and Roundpoint always told me to wait until XX/XX/XXXX for an answer. On Saturday, XX/XX/XXXX, I called and nothing, then I called again on Monday, XX/XX/XXXX and they told me to wait 48 hours that they were going to communicate with me, then I called yesterday, Wednesday, XX/XX/XXXX since they had not contacted me and I asked to speak with a supervisor and he told me that wait 2 more weeks and I asked him if I could make the XXXX payment by phone since online it says that it is for XXXX and he said that this money will be for the month of XXXX that if everything is resolved they will credit this money for XXXX payment. 
They are not taking this situation seriously and they are accusing me that I did not make the payment of my house for the month of XXXX, that it is lost, that I say I paid but they dont know where that money is, so they want to steal my money. 
I am making this complaint because the treatment they have given me has been lousy and I have already sent them proof of my payments and when the money has been collected and nothing.

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 2019-11-30
Company: EULER HERMES UMA, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company representative have been calling our business, threatening us all the time using abusive language, talking to employees about the debt which they don't have to know about the financial situation of the business. we have tried to reason with him but it's impossible to deal with him. We wrote him and email about reporting him for abusive language and his response have been that we have to pay, which we want to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We set up a loan mod with wells fargo XX/XX/XXXX. e made the three trial payments and were waiting for a problem with the title ( we have a common name we do not have any liens ). XX/XX/XXXX we were hit storm XXXX XXXX XXXX feet throughout entire house, we are a XXXX, XXXX had XXXX feet. We did not continue with the mod because we didnt know what to do.We had to move out till the house was fixed. Had to fight with mortage co to get insurance money to start work. We paid an adjustor because that is what everyone said to do. We got a lawyer to to the loan mad because at this time we didnt know what to do, the lawyer messed something up XX/XX/XXXX. We are in the process of filing a grievence against him and had to get a different lawyer we submitted another package our lawyer said they said the numbers were good It had to go to the underwriters It was turned down again I just want to stay in my house. We worked so hard on it we could have walked away after the storm but we didnt. We are hard working people we didnt go on vacations. We were trying to get a grant from the SBA for my husband tools, equipment loss in the storm ( we did not have contents insurance ) this is now on hold because they wont work with us until the bank shows that they are giving us a loan mod it a big mess. I feel we our being bullied from the bank because now the house is fixed up thanks to our hard work they want to take it. I have to go to work now. I just want to get this started. Thank you for listening. 
We are sick over this. XXXX XXXX XXXX home XXXX Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I used the card sometimes around XX/XX/XXXX for an XXXX  transaction. The transaction was cancelled and a refund {$1100.00} by XXXX with case for reservation XXXX and I was told Citibank have refused to allow the transaction to scale through. I contacted Citi and a case REF ID : XXXX. They have been reporting to credit Bureau false information for over 3 months which has affected my credit score. I have sent several information to citibank since XX/XX/XXXX and all to no avail. 

I have been serious affected XXXX and XXXX that am at this moment considering XXXX. Citi has been treating me badly because I am XXXX and they have suddenly cut my credit line and everytime I made payment to the credit they reduce my limit immediately so I can't use the fund and I have never missed payment. 

I have lost my work due to Coronavirus and still struggles to get intouch with Citi customer service.

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 2022-09-04
Company: EQUIFAX, INC.
State: NJ
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 XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX # 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 2022-09-04
Company: Affirm Holdings, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please send me The Account Statement fot both accounts XXXX. and XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX oh XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX XXXX requesting that a dispute be initiated for a XXXX # XXXX account which is reporting inaccurate information on my Credit Report. The following is a list of inaccurate, incomplete or erroneous information still contained in XXXX XXXX # XXXX account after the dispute. No payment history in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account states term XXXX 89 months and 99 months reviewed two conflicting terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: FL
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:
Early in XXXX I began to receive mail through the XXXX saying I was behind in payments for my XXXX Account associated with my address of XXXX XXXX in XXXX, FL. I contacted them and told them I HAVE NEVER APPLIED FOR AN ACCOUNT WITH XXXX. FURTHERMORE I HAD NEVER LIVED ON A XXXX XXXX IN XXXX, FL. I have owned my own home in XXXX XXXX, FL since XX/XX/XXXX. Equifax began to report this account as delinquent a little bit after they were hacked. I was successful at removing the initial account but now it is with XXXX XXXX, and I have informed them that the account was a fraudulent account and is NOT mine. I have disputed this account over and over with Equifax. It IS NOT my account. I have NEVER lived on XXXX XXXX in XXXX, FL. I want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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: Their investigation did not fix an error on your report

Complaint:
I AM XXXX XXXX A NATURAL-BORN PERSON. " In light of recent investigations brought upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past 3 months, I have made several attempts to remind XXXX and TRANSUNION of their duty pursuant to 15 USC 1681. It appears that XXXX is intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, and promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A5 ) says that after the reinvestigation ... .... all of the unverified information must promptly be removed. They can see in their system that this account was previously disputed without being verified. XXXX AND TransUnion have violated my right to privacy I NEVER GAVE THEM Permissible purpose to Furnish any information on my behalf. under 15 USC 1681 ( a3 ) .They assumed this role without permission. They did not have my consent. They do not respect my right to privacy which is under 15 USC 1681 ( a4 ). The accounts being disputed are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Accounts disputed with Transunion are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2017-07-29
Company: American Coradius International LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ACI. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Bread Financial Holdings, 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:
XXXX I entered a hardship program paying {$70.00} per month at 10 % apr I have never missed a payment!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I discovered that my name and information were used to open multiple accounts with Comenity bank. Upon discovery I disputed them and they did not remove them. I then completed a police report and the required identity theft affidavits on the federal website. I have sent this information to Comenity. They refuse to delete these fraud items. They return a form letter telling me they find nothing valid. Ive sent the data twice. This is fraud due to data breach exposure. The attached police report was made in my maiden as the fraud was perpetrated in that name. It is Not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Please send me The Account Statement for XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: CT
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXXXXXX, XXXX # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED 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 2015-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
{$5200.00} in excess of my Wells Fargo Visa credit card balance was paid to XXXX. This transaction brought my balance to {$5200.00} more than what was owed. I attempted to transfer this balance to my Wells Fargo savings account and can not do so without incurring a cash advance fee and interest charges. Immediately called Wells Fargo Visa and my request was transferred to XXXX different representatives. The last agent was XXXX # XXXX, her position is Credit Card Customer Service Advocate. She indicated that it takes 30 days to transfer my money to another account without incurring additional fees and interest. I indicated that this was unacceptable because the money was mine and not the property of Wells Fargo. My money is in fact being held XXXX and will not be immediately transferred to my savings account. XXXX said that there is no further recourse except for her to open a complaint and provided case # XXXX. She said that this also could take up to 30 days disposition. It is my money and I can not immediately get it back without penalty or 30 day delay.

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 2022-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

15 U.S.C. 1681 section A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. XXXX XXXX keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

Experian is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX 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 2016-06-02
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer from Citi Bank. The offer stated that if I were to open a new Citi Gold checking account and make two online bill payments in consecutive months that I would receive XXXX thank you points. I called to see if I was eligible before I opened the account and Citi assured me that I was eligible. I opened the account and made the online bill payments. I then sent Citi a direct message asking them if I would receive the XXXX thank you points. They told me that I would receive the bonus points and that I had met the requirements. They told me it would take 90 days to receive the points. It has been more than 90 days and so I sent Citi another message asking about the XXXX thank you points. They told me this time that I was n't eligible for the bonus.

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