BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was a victim of Wells Fargos abusive private student loan practices. The charge exorbitant late fees. Erroneously charged interest rates. And did not apply payments to my account correctly.

Also, they never reached out to me for the CFPB settlement. When I tried to contact them they said they did not know what settlement. I have my payment schedule and account number.

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 2022-09-05
Company: EQUIFAX, INC.
State: AZ
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 Account # XXXX, regarding 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 2015-10-15
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I did write to the credit bureaus, but have n't received a reply. I have been paying all my bills on time for years now, and have paid off several credit cards completely, but my credit score is not going up. I was recently denied a credit card from my bank, XXXX even though I was granted a big increase on my local bank 's XXXX credit card, based on my credit. XXXX has been difficult to deal with, even though I have a good payment history and decent income. Am wondering what 's going on. I am a XXXX XXXX veteran and receive a good amount to survive on, and my wife has a good steady income XXXX for eight years. My score ought to be above XXXX by this time. Also, XX/XX/2015, I applied for a loan to purchase an R/V at a Texas R/V sales location, and the salesman sent my application to a dozen banks, without telling me. This hurt my score, as well. Can I do anything about that? My Social Security Number is : ***********. My phone is : XXXX. My scanner is not working, but I can mail verification of my veterans status, discharge paper, and recent letter from an inquiry into my credit scores. XXXX has been unfair in their denying me, while a local bank in my city, has approved a credit card with a high credit limit, based on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name is XXXX XXXX XXXX NOT XXXX XXXX XXXX. Please remove from credit report as soon as possible. This is causing problems with my reports being reported correctly.

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 2022-04-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First, I have confirmed several times that the debtor, XXXX XXXX does not show a debt owed for an outstanding bill of {$250.00}. Nor do they show an account currently in collections for me. However, XXXX XXXX has told me on at least XXXX occasions that they would open a case and escalate it, contact Credit Collection Services and have the account closed, then call me back to confirm within 1 to 3 weeks and I never hear back from them. 

Originally, I made payments toward the account in collections in the amount of {$250.00}, thinking I actually owed this bill ( I have receipts showing the payments made ). But after repeated threats and calls from Credit Collection Services, I contacted my health insurance plan, as I knew that lab work was covered lab work at 100 %, raising concern over the accuracy of said bill. My health insurance plan confirmed that the claim in question was paid in full at 100 % and the amount I owed was {$0.00}. The health insurance representative then sent me an explanation of benefits confirming this. 

I sent proof of payments made ( receipts ), the explanation of benefits provided by my health insurance plan showing the claim was paid at 100 % to Credit Collection Services via email. Then after no response, I uploaded through their website ( proof provided ) and after STILL NO response, I sent a debt verification demand letter via certified mail ( I can provide a copy of the letter and proof of date received ). Credit Collection Services has never responded to any of my correspondence. 

This collections account has been reported to my credit and is substantially impacting my credit score. While I DO NOT owe this debt, its worth noting that Credit Collection Services has never adjusted the balance in collections reported on my credit to reflect the payments that were made prior to finding that the claim was paid 100 % by my health insurance. I should be reimbursed for the payments made towards the incorrect balance due. 

Credit Collection Services refuses to remove this debt that I DO NOT OWE ( rather, refuses to acknowledge me, my proof, OR MY RIGHTS ), and every time I call, they just say they will look into it and call me back, and never do. Each time theyve failed to call me back, Ive called them to follow up, and Im yet again told I will be called back. Im getting nowhere!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
In XXXX 2015, I submitted my payment to Macy online and by the time it was submitted a late fee was imposed. However, I quickly contacted Macy 's later that morning and spoke with a representative. The female representative assured me that the late fee would not be added and I owed only {$34.00} and some change. I paid the entirety of the bill in which I should have a XXXX balance in which was confirmed by the representative via phone. At the end of the month I received a letter from the company claiming I owed way more in which I did not. I was appalled and confused because I have one person assuring me of a XXXX balance and a letter stating another. This was the XXXX! I contacted Macy 's customer service to be treated horrible and the rep talked over me and argued with me as if this was my fault. I was amazed of the lack of care of this rep who failed to show some concern, but all he cared about was the money owed erroneously. The XXXX speaking gentleman hung in my face and I called back and a nice rep answered and tried to assist me and trying to connect me to a supervisor, but was sadly disconnected. By this time I had given up. I was upset because not only was I provided with assurance my bill was paid in full and any additional fee would be cleared, if any. I am sad to learn that their practice lacks care or empathy toward a promise made by one of their own employees. I paid the {$120.00} in which {$94.00} should be refunded ( approximately ). In addition, I know another individual that is experiencing the same issue. I would like a refund and an apology. I have sent Macy 's electronically a message, but yet to receive an apology or a follow up on what happen and how I was treated is my main concern. A promise is a promise and I would like a refund ASAP and any late fees removed from my credit report, immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: BANK OF THE WEST
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received 3 letters in the end of XXXX stating that I had opened 3 new checking accounts in my maiden name. I tried calling their customer service multiple times, sitting on hold for over XXXX minutes each time, and never got ahold of anybody. A week later I received 3 letters in the mail saying that I had successfully signed up for overdraft protection on all 3 checking accounts, on XX/XX/XXXX. I have never done business with this company before. I called their customer service again and waited on hold for over an hour this time. Finally I reached someone and told them the situation, they assured me they would close all three accounts, and notify their fraud department to research it. Today I received 2 letters in the mail saying that as of XX/XX/XXXX, 2 of those 3 accounts are overdrawn. I tried calling customer service again and waited on hold for over XXXX minutes, but did not get to speak to anyone. I do not want to be held responsible for these fees and loss to the bank since they did not cancel the accounts as I had directed weeks ago. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened up an account with Bank of America using my maiden name and email address. When I try to call in to BOA to dispute this fraud, I keep getting blocked by their automated phone system because I don't have the full account number, since I didn't open the account. When I try to get around the blockage and ask for an operator, the wait time is more than 30 minutes and it seems like no one is available to answer my phone call. BOA needs to provide me with a way to close this fraudulent 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 2022-09-05
Company: EQUIFAX, INC.
State: IN
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

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

Therefore you are requested to kindly delete my accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Opened a new Citibank Checking account on XX/XX/XXXX with a promotion code to receive a {$400.00} cash bonus within 90 days of the date that all requirements were met. I met all the requirements and should have received the payment on XX/XX/XXXX. Spoke to citibank representatives multiple times after that date and was told my bonus was being investigated. As of XX/XX/XXXX, was told that the investigation might take up to 60 more additional days to be resolved. Was also told that closing my account and withdrawing my current balance could make me illegible for the bonus. Citibank seems to be clearly stalling payment that is due to many of the customers that signed up for this promotion. By breaking the agreement to pay within 90 days, I believe that this is clearly fraudulent marketing practices and should be investigated as it may be effecting thousands of consumers.

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 2022-08-04
Company: EQUIFAX, INC.
State: DE
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 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX my account got tranferred from a mortgage company named XXXX which I was filing a law suite agaist them, for making up an escrow account and adding all my montly payment to that escrow account without my concent, and my money was sent and used to pay taxes on other property that had nothing to do with mine, .. i had to hired a lawyer by the name of XXXX to correct everything and it was a long process, untl he informed me that the company was declared bancruptcy, and I had lost more money as well as the attorney fees, so then my account was bought by shellpoint, basically XXXX XXXX transferred my account with only one payment that i had paid to previuos company and also with a balance amount that it was owe to me, and since then I have been struggling with this new company back and forth playing games with me, no oe seems to care or understand my fustration regarding my previous experience and now is a nightmare, I am living the same problem over again and this company is a disaster. I have spoken to several PEOPLE SINCE I FOUND OUT THAT I HAVE TO PAY THEM EVERYMONTH, WHICH I UNDERSTAND THAT IS MY RESPONSABILITY, BUT IF THEY DONT HAVE THEIR RECORDS CLEAR, I LOOK LIKE I AM BEHIND WHICH I WAS TOLD BY THEM TO WAIT TILL EVERYTHING GETS CORRECTED TO MAKE TE CORRECT PAYMENTS, WELL IT HAS BEEN 6 MONTH AND UNTIL TODAY ALL I GET IS HARASMENT LETTERS, DEFAULT LETTERS, THEY HAVE REPORTED MY CREDIT AND HAVE MADE MY ACCOUNT LOOK DELIQUENCY, AND YET EVERYONE OR SUPERVISOR CALLS ME THAT IT WILL BE CORRECTED AND I AM REALLY UPSET, AND DESPERATE IN NOT GETTING ANYWERE ... PLEASE I HAVE HISTORY OF PEOPLE THAT I HAVE SPOKEN, EMAILS I HAVE SENT, COPY OF CHECKS CASHED BY THEM, BUT MY SITUATION IS STILL NOT CLEARED AND CORRECTED, SO THIS HAD LED ME IN REPORTING THEM TO FEDERAL TRADE TO HELP ME RESOLVE MY PROBLEM SINCE ALL THEY DO IS IGNORE ME. ON XX/XX/XXXX. I PAID THEM A CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM CK # XXXX FOR {$770.00} ON XX/XX/XXXX I PAID THEM FOR XXXX, PLUS XX/XX/XXXX AN XX/XX/XXXX WITH CK # XXXX UP TO NOW IM UP TO DATE AND THEY KEEP BILLNG ME FOR {$5800.00} AND NOW ANOTHER BILL OF {$3400.00} WHICH DOS N'T ADD UP AND DON'T KNOW WERE MY MONEY IS GOING TOO.. MY ACCOUNT IS STRICTLY PRINCIPLE AND INTEREST ONLY! I PAY YEARLY TAXES AND INSURANCE DIRECTLY TO TAX COLLECTOR AND TO INSURANCE COMPANY TO INSURED HOME,, THE BANK SHOULD NOT WORRY ABOUT THAT BUT ONLY THE PRINCIPAL AND INTEREST. THIS IS NOT GETTING CLEAR ON THEIR END ... PLEASE HELP ME FIX THIS, ASAP THEY HAVE REPORTED TO MY CREDIT WHEN, WHENN I  HAVE AN EXCELLENT CREDIT, THEY HAVE HARMED ME IN ANY WAY,, I PAY THEM AND THEY REPORT ME LATE AND DELINQUENCY WTH THEIR COMPANY, PLEASE MY NUMBER IS XXXX. MR . XXXX XXXX, FOR ANY QUESTIONS.THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account on my file that I do not recognize. My name is XXXX XXXX XXXX I have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX****,  XXXX XXXX XXXX/ XXXX # XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, There is a unverified account from USBK COURT XXXX OHIO DOCKET # XXXX. I have filed a Police Report with XXXX Police Dept. and CFPB.

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 2022-09-05
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt is paid in settlement. XXXX XXXX  promise to report to credit bureau. Equifax has not updated the account for that creditors since XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted notarized letters on XX/XX/2016 and on XX/XX/2016 in regards to US bankruptcy XXXX. As of XX/XX/2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.

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 2016-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
My complaint, ( TransUnion ) What they say & what they do. 
Unfair credit scoring. No reason on reduce scoring point. 
Report wrong information to companies. Report of public record to XXXX, when I have NO XXXX Record on my file. Keep collection record on my file that are PAID OFF + interest. 
creditor requested, All References be Remove from my record. This MATTER & my Personal information has LONG HISTORY from ( 2013 to present.

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