BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: CITIBANK, N.A.
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:
Hi, my name is XXXX XXXX I have had an account with Macy 's Credit Card Services.  The card # is XXXX and the security code on the card is XXXX. I have called Macy 's credit services to notify them that they are not report my account on my credit report, and I have also made charges on my account that does not reflect the information online. Their online website information is not correct and does not match the balance that I have. For some reason, they are not able to add my new card on file and that is why I think they are not able to report this information to the credit bureau 's. When I call the number on the back of the card to check my balance, it is different than the balance that shows on my account online. I just recently made transactions online and it shows that I have purchased products, but the information does not reflect or equal to the correct balance online. I have asked Macy 's in writing to please correct this and to report the information correctly to the credit bureaus and they have failed to do this for me.

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 2022-05-03
Company: AmeriCollect
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical bill from ex wife is showing up on my record multiple times yet we didnt even share medical insurance at all and XXXX XXXX  through the collection agency americollect keeps trying to have me pay for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CBC Companies, Inc.
State: OH
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:
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. 
THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted  immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX US BKPT CT OH XXXX  All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! My employer is XXXX XXXX My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! This is my only number XXXX All other telephone numbers are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX attempted to receive annual credit report from TransUnion. I was charged {$29.00} for this ( can't remember if I even got the report at the end. Just remember getting frustrated at one point. ) However, was also charged a {$19.00} recurring fee that I didn't notice until XX/XX/XXXX. Apparently this was their credit monitoring service. However, I never received any E-Mails regarding credit monitoring or receipts. I applied for multiple credit cards and a mortgage during this time and received no notification from TransUnion. I only started receiving notifications once I called to cancel the service and was denied a refund despite never having the intention of buying the service. Total I ended up paying was {$150.00} not including the {$29.00} charge. This is a dishonest practice by TransUnion and I will never be doing business with them again.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-09-28
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.

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 2022-01-22
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN
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:
Credit Bureau Systems never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging CBS to provide the agreement under penalty of perjury. Credit Bureau Systems said that they would honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Credit Bureau Systems should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't CBS conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). CBS also said that another company " referred '' the alleged debt. I challenge CBS to provide proof of this " referral '' under the penalty of perjury. I would like to bring to CBS 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of CBS 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: WELLS FARGO & COMPANY
State: CA
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:
On my Wells Fargo Credit card ending in XXXX I had a credit balance of {$200.00}. I requested the {$200.00} balance be refunded to me either by check or transfer to my wells checking account. Wells fargo processed the refund of the amount owed to me to my checking account, but then charged me {$10.00} to refund the balance due to me. This was not a cash advance, this was a refund. I requested the {$10.00} fee they charged me to be credited, they stated they would credit the fee, then never did. 

From : Customer Service Sent : XX/XX/2019 XXXX XXXX  Subject : Re : RE : Re : RE : Re : Account questions or requests (  XXXX ) Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and I appreciate the opportunity to respond to your email. 

I would like to assure you that your concerns have been escalated to the highest level of email. 

I understand your concerns regarding the {$10.00} cash advance transaction finance charge posted on XX/XX/2019 for a cash advance to the checking account ending in XXXX. 

Because you are a valued customer, I credited your account in the amount of {$10.00}. A credit will appear on your 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 2022-01-22
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Echelon Financial, 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:
I did not agree to this service. I called to cancel. Rather than cancel and issue a refund, the rouge agent began to warn that my information could end up in the wrong hands. I understood that to mean he was going to make sure it did. 

He agent then hung up on me. No refund was issued. ( I believe if I become a victim of identity theft it will be the result of this agent releasing my personal information ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Southern Oregon Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1 ) Unknown utility bill XXXX 2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tenant occupied. 
2 ) City bills wrong address. City was provided all correct contact information for hook-up, and billing. They choose to bill service address, not billing address, 3 ) County tax records reflect actual billing address, owner on record ( me )! 
4 ) City never attempts to correctly bill ( see their record ) 5 ) Sends to collection agency - Southern Oregon Credit 6 ) Southern Oregon Credit NEVER makes an attempt to mail, call or notify of balance. NEVER. Note again - county tax records are accurate - address, phone, etc. 
7 ) Southern Oregon uses Oregon Tax Refund to settle a debt, I never knew about, nor was EVER notified of, at ANY TIME. 
8 ) Southern Oregon Credit tags on XXXX to a XXXX bill! 
The MONEY IS NOT THE ISSUE. A business, let alone a CITY should collect accurate information about their customers, and then PROPERLY notify them of an outstanding bill/debt. 
A collection agency should know FAIR CREDIT PRACTICES- proper notification of outstanding debt providing an opportunity to CONTEST or settle a debt. I WAS GIVEN NO, NOT A SINGLE OPPORTUNITY to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a payment on line and apparently keyed in the wrong bank account number.  Huntington  bank could n't process the payment so they changed me {$55.00} in NSF fees. How can they charge me NSF fees when it never made it to my account? It 's a returned item, not an NSF and they should n't be allowed to change an NSF fee for a returned item.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date opened/XXXX,2017 Transworld systems inc . Amount owed/XXXX Medical Original creditor/XXXX XXXX XXXX I was at the time with XXXX XXXX get my credit fixed right before I stopped there services I saw a change in my credit again this was a collection from trabsworld systems inc for the amount of {$780.00} XXXX XXXX had told me that it was a dentist office in XXXX XXXX called XXXX XXXX dentist that I had recently went to but I only paid XXXX for a bundle service they had. I had called the dentist office and explained to the lady what was going on she told me that I did not have any outstanding payments nor anything in collections. And that she didnt know who Transworld system inc was. I went on my XXXX report to dispute this action and the number that is given in the report thats suppose to be the creditors number is a false number and it belongs to a sweepstakes company. I had also this last week got a letter in the mail from this company but the letter had been written as I wrote it and it got sent back do to wrong address. I did not write the company my name is spelled wrong my street name is spelled wrong my social is on this paper and so is my signature but I did not sign this paper ( mind you this is all written as I wrote the letter to these people and I didnt ) when I try to put a desput in it wants a confirmation code. And thats the only thing stopping me from making this disput. And since this has happened I have had people in XXXX and across the country logging into my XXXX  account my XXXX my bankaccounts. And the XXXX lady told me I had to go threw XXXX XXXX or another agency and XXXX them for there service to get this off ... I am a victim of identity fraud I should not have to pay someone to have to get this fixed. Please help me ..!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/2019, I applied for and was approved for a secured Citibank Card, for which I paid a {$500.00} deposit. I never recieved the card - and since then, I have contacted the company six different times, trying to have duplicate cards sent, new accounts set up and accounts sent, and provided two different addresses. Each time I contact the company, I have spent over an HOUR on hold, only to be told " we'll fix it '' but I have yet to recieve a single communication ( or actual card ) from the company, despite 6 telephone calls, two addresses, and hours of frustration and communication. When I told the last customer service representative that I wanted my deposit returned, she told me " that's impossible '' and hung up on me. It has been four months since I opened the account and paid the deposit, but I have yet to recieve the card. I simply want the services which were promised to me. Citi 's staff is woefully undereducated as to their own processes, provide blantantly false information, and consistently fail to provide the results that they purport they are offering.

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