BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
This is my 2nd Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to Bureaus from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section 605b. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-07-11
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I got a collection call from First United Bank who holds my mortgage. I have had my mortgage with them and refinanced with them as I love their service and process. However, today, they called due to being past due on XX/XX/XXXX payment, which I am not due for, as they miss applied a bi-weekly payment to principal curtailment instead of unapplied balance waiting for the second half of the payment to come in. I have paid my mortgage with them this way for at least 2 years via XXXX XXXX XXXXXXXX online banking who sends them a check every-two weeks for the payment. ( see payment history ) When they called, it was easy to see, but since they said it was not a banking error, they would not reverse and reapply the payment as a partial payment, which would make XXXX XXXX. 

This is crazy and so simple, even if the inventor had been advanced the payment, that can be easily corrected and not make me, who has paid perfectly and often times in advance have to pay again a partial payment. 

As I called during the initial set up as I started these payments to be processed and ensured they would be processed right and followed up for a few payments to ensure they were going to unapplied then to full payment with a fraction, less than {$1.00}, going to curtailment. Again, this has been done on my loan with them for over 2 years, which this is the 2nd loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed these accounts with Waterfall Revenue, or A-1 Collection Services, or XXXX XXXX XXXX, or whatever their name might be, because the accounts appear to be duplicate accounts. I sent them a letter to ask for their clarification, and it was returned to me because their address was incorrect. They are reporting 9 accounts with the same account numbers, and the same amount of money! I am very confused, I've asked for clarification, I've received nothing at all in return, and I can not dispute the account because they don't know how to report! ALL MY RIGHTS ARE BEING VIOLATED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX, 2017 they almost XXXX dollars out of my account I had contacted the company they me I had borrow XXXX which I never borrow that amount I only borrow XXXX in XX/XX/XXXX which I had paid that amount back they I was paying the interest fees this was not in my contract they keep taking money out of my account which I do not, they wo n't put the money back in my account this company is nothing but a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: PA
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 XXXX  / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} XXXX XXXX / XXXX / {$12000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX paid minimum online to CITI/Costco card. 
XXXX Citi payment bounced for full ( XXXX ) balance. 
Requested payment reversed. 
Spoke to supervisor and told wait 2-3 days for it to reverse XXXX citi lowered limit from {$9000.00} to {$500.00} XXXX called!! approximately 12 hours so far calling, dming, and chatting online with reps ... no help. 
Talked to branch, head teller conference call to Citicards.. no help. 
Talked to Escalation level 2 person today.

Told wait 4 days for a call back.

I have spent 12 hours talking to supervisors and cant get account fixed. 
They are charging me fees and increasing my rate from 15 % to 29.99 % As well as ruining my credit. 

My payment should have been & XXXX not $ XXXX Every time I call they tell me they cant help. I have local branch involved, supervisors and managers. 

This should be a simple correction not something that ruins my credit. 

They raised my rates in XXXX for being mere hours late paying ( one time!! ) My rate was 26 % since and I was just notified by a manager. ( I did not see anything on the online statement. ) So now Im XXXX over my limit due to a glitch or something that happened online that was not intended. 

I never thought something like this could happen. I have an infant and a family and have worked hard to get the credit rating that I have. 
I had 100 % perfect payment history with bureaus and now they have wrecked it and wont correct. 

They should be shut down. 
I have been on consumer affairs reading complaints and I am not the only person who has experienced such treatment. Many limits are being dropped immediately after payment. That would be ok if the payment was intended but when it happens after an error ..Citi should correct it. 

They are ruining my credit and costing me money. For what I feel is their mistake. 
We have been paying 13 years without issue. Then all of a sudden this string of events. It seems purposeful and directed at consumers in a criminal way. 
They can blame an algorithm while they ruin people. 

Im not going to go away. 
I will absolutely fight this. 

Please help.

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 2021-08-25
Company: CITIBANK, N.A.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have a car that my husband & I purchased back in XXXX with Citibank as the Lien holder. The vehicle was paid off in XXXX. We never received the lien release from Citibank and they are still on our title. We have tired effortlessly to contact them but no one was able to help us.

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 2022-07-11
Company: National Credit Systems,Inc.
State: AZ
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 reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an XXXX  on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX  XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX  me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX  XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: U.S. BANCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
1. 
On XX/XX/XXXX I made an international debit Purchase -visa XX/XX/XXXX card ending XXXX XXXX XXXX XXXX with XXXX for {$570.00} via US Bank XXXX 
US bank charged me International Processing Fee XX/XX/XXXX card XXXX on {$17.00}. 

2. 
On XX/XX/XXXX I change up my mind and canceled the purchase for {$570.00} and requested a refund. 

3. 
On XX/XX/XXXX The requested refund appeared on my US Bank account as {$570.00}. 

4. 
On XX/XX/XXXX I asked the bank online and in-person with the Branch manager in the US Bank branch at XXXX XXXX XXXX, XXXX, OH XXXX to reimburse me the International Processing Fee that I made through the US Bank debit card on XX/XX/XXXX for my online purchase of {$17.00} claiming that XXXX is responsible for fees and that is not the policy of the bank. 

I am submitting evidence to support the claims. 
1.picture 10 ( 2 ) : purchase and international fee charge 2.picture 10 ( 3 ) : refund, but no reimbursement for international fee charge

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 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have a XXXX XXXX account that is : -Reflecting credit cards that I do not own, have never opened, belong to someone else, and are damaging my credit rating on both Transunion and XXXX There are three new credit inquiries on my credit rating accounts with Transunion and XXXX- I have not applied, requested nor have I given consent for these inquiries. 

My credit rating has dropped almost 40 points in a week. 

I have never applied, used or owned these cards : XXXX XXXXXXXX Last reported : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 The following inquiries have been made on my account without my request or permission : Inquiry details : XXXX XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 Complete Dept. Stores XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos.

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 2020-06-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 I notified Experian through a dispute ( attached ) about two inquiries from XXXX XXXX and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from Experian dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with Experian with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from Experian dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by Experian.

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 2022-02-08
Company: ROBINHOOD MARKETS INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Robinhood XXXX took money out of my checking account on several occasions. They do not have a phone number listed to contact them to find out why these fraudulent unauthorized transactions keep happening. The company has access to my routing number and account number to submit the EFT. Fortunately my bank did a stop payment on the transactions. But this needs to be investigated and stopped. The name that appears the funds went into was XXXX XXXX. 
The amounts taken started small then went BIG. 
{$.00} cents XX/XX/2022 {$.00} cents XX/XX/2022 {$14000.00} XX/XX/2022 {$50.00} XX/XX/2022 {$60.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was not able and spent several hours trying to contact Experian Credit Bureau to unfreeze my credit report using repeatedly both telephone and internet. There is no way to contact them. The other 2 credit agencies make it easy and take only a minute. There is something wrong with Experian. Date XX/XX/19

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 2022-02-08
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A payday loan was opened in my name through identity theft. Filled with the FTC and mailed documentation to the bank and to the debt collector. The bank reviewed and found the claim of identity theft to be legit and removed debt from my name and from the credit bureaus. The debit collector ignored my letter and sent a second letter to collect. I have sent a follow up letter from the FTC identity theft page on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. Shellpoint did not restate the mortgage loan as put forth in my approved bankruptcy plan 10 years ago.

We tried to have Shellpoint correct these issues several years ago ( 2015 ) when they also filed a Notice of Default and Intent to Accelerate. I paid and continue to pay legal fees as a direct result of Shellpoint 's actions.

Recent mortgage statement ( attached ) claims incorrectly that I have an unpaid balance of {$74000.00}. This is not correct.

On this statement, Shellpoint is charging {$100.00} for a BPO, and {$98.00} for a late charge on payment you received. These and all other inappropriate fees should all be reversed.

Shellpoint just returned my regular monthly check ( see attached ). This is improper, violates my bankruptcy plan, and can be seen as an effort to put me in default. Shellpoint just sent a new Notice of Default and Intent to Accelerate, bas
ed on payments not made during automatic stay in bankruptcy 10  years ago, violating my bankruptcy plan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 with a {$690.00} balance, 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 2 : It also states a consumer reporting agency can not furnish an account with 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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 had a security breach that they did not tell consumers about until months after the fact. This breach leaves me very vulnerable, as it gives away all information that is needed to take on my identity. There was no way I could have protected myself against it because Equifax had control over my data without my permission. 

Now I have to freeze my credit reports ( including with Equifax ), which incurs a fee and additional administrative work to unfreeze if I want to change apartments, for example. However, the data that Equifax leaked can be used to unfreeze my credit reports, defeating the entire purpose. Equifax has not offered any reliable mitigation to the risk of identity theft - offering free credit monitoring with the caveat that we can not sue them is worse than other solutions they could have used, for example offering free credit freezing. 

This situation shows that Equifax can not be trusted with this important personal data, however I have no power to stop them from having control over my credit or my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n XX/XX/XXXX I contacted Experian Credit bureau to inquire about a account that showed on my credit report. I explained I was a victim of identity theft and was concerned, the agent told me I should sign into my profile with an XXXX email address, I created on XX/XX/XXXX. I informed him that I did n't set up a profile, he told me it had an email address of XXXXXXXXXXXX. I told him that I wanted this to never happen again, he said because I had an extended alert it would stop anyone from setting up an account. I asked how this could happen, he said this person had enough of my information to open the profile. I asked why XXXX, would want or could access XXXX XXXX 's profile. It should be a red flag, they of any organization should have exemplary control in place to protect people. I did n't trust what the agent said so I attempted to open a new profile with my actual email address. I was able to do so, I called back and now a credit freeze is in my account, which should allegedly stop another profile from being set up.

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