BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In, XXXX I pulled my credit and found that I had a debt to the Ohio Department of Taxation and XXXX County Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX county courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all XXXX agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed ( but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General Department of Taxation and collection and the XXXX County Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by both agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the XXXX limit for paid tax liens. ( this is now XXXX years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within 24 mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: NY
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 Fair Credit Reporting act XXXX XXXX  Account # 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. 

The information being reported is inaccurate and currently being paid. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
incorrect use of the 30 day grace period when applying for credit for a auto loan by Equifax & XXXX to many hard hit 's on credit report in less than 30 day 's. 
once in XX/XX/XXXX & again in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for real estate loan with my mortgage broker and was denied a loan from Chase ( the end buyer ) stating, " Regardless of the income, Chase does some kind of " background check '' on the borrowers, and she said regardless of the income or entire credit profile, they will not lend out to this borrower. She would n't give me specifics, but said no matter what is done with this loan, they will not lend to him. '' This is an unsettling response for a couple reasons : 1 ) Chase will provide no explanation whatsoever. I have several mortgages with major banks and this has caused a ripple effect of distrust with my broker and his company I have been working with for over 10 years. 2 ) This is odd as I currently have a merchant account with Chase Bank set up for my business ( XXXX ) and they had to do significant background checks on myself and my business just to establish the merchant account. I spoke to my branch manager XXXX XXXX who tried for weeks to investigate the statement to no avail. my branch manager stated they do have another company XXXX that has issues with the bank in the past and they may have our XXXX companies mixed up. Now I am reaching out through you to hopefully get some explanation as all other contact methods have produced no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Synergetic Communication Inc
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss XXXX XXXX sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with XXXX, main office, and with Consumer Relations, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from Synergetic Communication , Inc. I feel exhausted disputing for this amount, XXXX have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Capio Partners just showed up on my Credit Report. I have not received any notification of a Debt owed nor any documentation on the account it is in regards to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Barclays Bank has decreased my credit limit on all three of my credit cards : XXXXXXXX XXXX XXXX XXXX Credit Card XXXX XXXX  The bank has not given me a valid reason & I would like for my limits to go back to their original limits

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 2021-09-30
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

WESTLAKE FIN XXXX Date Opened : XX/XX/2015 Balance : {$9100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: WELLS FARGO & COMPANY
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
back in 1985 my father win the XXXX lotto for XXXX XXXX XXXX XXXX XXXX u.s dollars he was getting us XXXX a year XXXX taken out income tax plus all is money was going direct deposit electronically deposited to wells fargo bank when my father die my lawyer rite the bank to fine out how much money he had in the bank rite back to us .dollar fixed deposit of {$490000.00} us dollar savings of us XXXX XXXX regular savings {$XXXX} XXXX tt dollars and a XXXX XXXX of {$19000.00} tt dollars when we when to the bank to get the money they said that the XXXX us account is not there that they made a mistake that is not true. The banks are stealing us government dollar and people are suffering my sister have XXXX and this money will help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
com & gt ; Subject : Credit reportingbureausMessage Body : I want to place an inquiry and a complaint about thethree credit reporting companies especially Equifax since it it 's reports arefavored by businesses. 

Inquires, such as ones for auto financing, or forthe leasing or purchasing of a home, should not be called hard inquiries because shelter and transportation is a necessity of life. These inquires stay on the record for two years. 
I gave an auto dealership permission to run acredit check, which I thought would be done XXXX time. However, they placed atlease XXXX hard injuries against my record in a few days. That reduced my pointsconsiderably. I was trying to help a young adult relative to get transportationfor work. 
Why does Equifax score the lowest in the industry? Some one needsto look into how hard inquires are determined. Inquires about transportation andshelter should not be considered a hard inquiry and should not be charged against a person 's credit score. 
If this is not the correct place to make these inquiries, please direct me to the best place. 

XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed my judgement with Equifax on XXXX XXXX, XXXX. The other XXXX bureaus had already deleted it. This was an eviction from XXXX XXXX and the courts replied to Equifax reporting satisfied/released. 1. Equifax refused to remove it stating the courts would have to send additional forms even thou the courts responded to them directly stating it was released. ( I have the conversation recorded ) 2. Equifax then RE-AGED this judgement on my credit file to XXXX XXXX to reflect it as being recent!. ( I have the form showing my score went down due to a NEW judgement being added to my report. ) 3. They also did this to another item I disputed. I have the information showing my score dropped due to a new ( bad account ) being added to my credit profile. They closed the previous account and then " opened '' up a new account on their own. I DO NOT have a new account with this company. Equifax is maliciously causing stress to me, reporting wrong, damaging, and inaccurate information to my credit profile. My consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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, 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 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2016-11-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Per Original CFPB Case # XXXX, Equifax has yet to comply w/ my XXXX/XXXX/XXXX request to move the 'Consumer Statement ' ( which will expire on XXXX ) from the top of Accounts section to the XXXX XXXX XXXX ( XXXX ) account which it references. The XXXX/XXXX/XXXX request also asked that the XXXX/XXXX/XXXX letter supporting same be added to the XXXX account entry. As was the case when originally submitted, Equifax has refused to process the online dispute request as submitted. 

With respect to the forgoing, I have subsequently asked Equifax to provide the following : a ) Credit File documentation confirming the above request has been satisfied And/Or b ) Credit File documentation confirming that the XXXX is no longer being reported ( as is the case w/ other credit reporting agencies ) Although the request was reiterated in my XXXX/XXXX/XXXX letter to Equifax Personal Solutions President, XXXX XXXX ( attached ), the company is yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchased a new XXXX laptop on XXXX/XXXX/2015 for {$1000.00} ( before tax ). I used my CITI card. It has a warranty extension benefit that comes with the card that doubles the length of the manufacturers warranty. I opened a claim and sent in the required documentation. One of the things the claims package requested was an estimate for repair from the manufacturer. I had a manager at the service department of XXXX send me an email estimating the cost of repair and sent it in with the claim package. CITI 's claims department denied the claim on the basis that the estimate I sent in was not itemized. I informed them that XXXX was unable to give me an itemized estimate until I sent in the laptop ( which requires I pay the {$210.00} they estimated for the repair ). So Citi is unwilling to pay the claim without an estimate for the repair and I can not get an estimate until Citi pays the claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This company has called friends of mine, referrals that I placed on prior application loans and told him he 's an attorney ( although he 's not ... when I spoke with the rep he said he 's with XXXX XXXX 's law office ). They 've discussed my debt with other people, they call other people ( friends and family of mine ) on their cell phones and scare them telling them they 're an attorney and that I must call them. They call me several times a day, they 're making false statements, bothering my friends and family. I have never gotten anything from them in writing. I asked them to stop calling me that I 've disputed this debt on my credit report and they said I have to send them something in writing. I 'm about to send them a certified letter in the mail.These people are thugs and no attorney in California who is still practicing should put his name along with these types of blatant tactics that are obviously against the law. They do this to helpless people and think they can get away with it by quoting this man 's name XXXX XXXX XXXX of XXXX XXXX XXXX. and he knows their tacts. I 've read hundreds of reviews from other people regarding him and his obvious and I ca n't believe they 're still in existence and that they can continue to treat people like this. I hope that this organization can do something about this. They threaten legal action saying they 're going to summon me and take me to court on a loan amount that I have no idea {$18000.00} when the original loan was {$5000.00} and half of it which I paid off to them.

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 2015-08-31
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I EXTENDED MY LEASE ON MY APT AND HAD PERMISSION TO STAY ANOTHER 2 MONTHS AT THE SAME RENT ON CONTINGENT I MOVE OUT FOR XXXX XXXX 2014 WHICH I DID ATTACHED IS A LETTER FROM THE LESSOR XXXX XXXX XXXX SHOWING XXXX BALANCE FOR RENT AND XXXX BALANCE FOR DAMAGE SO THEY WERE ABLE TO APLLY NY SECURITY DEPOSIT TOWARDS THE LAST AS OUR AGREEMENT I RECIEVE A LETTER THEN A PHONE CALL THAT THEY HAVE SENT IT TO COLLECTION I CONTACTED MY REAL ESTATE ATTORNEY AND HE FORWARDED A LETTER WITH A COPY OF THE STATEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection that is reporting to all XXXX credit beareau 's of a medical collection that is not mine. My son XXXX was taken to the doctor by his mother, and he was on my insurance. I left that job and my sons mother continued to take him to doctor which resulted in me still being charged, even though i no longer worked for that employer.After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in ( Whatever Year ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX is collecting for CashCall. They called and threatened lawsuits when the bill is past the statute of limitations. The bill went delinquent in XXXX due to expenses from the death of my husband and they are reporting it as opening in XXXX. They have re-aged the account to try to keep it active.

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