BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-15
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX, XXXX XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with Citibank XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called Citibank years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to Citibank they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: HOVG, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an outstanding out of state medical bill from XXXX and had issues with my insurance company processing the payment. Eventually partial payment was processed but a balance of {$320.00} was sent to a debt collecting service. I paid the debt plus interest in an amount of {$460.00} on XXXX XXXX, XXXX to " XXXX XXXX Co ''. I have the transaction available on my credit card statement. The account had been reported to the credit reporting agencies and that has also subsequently been closed. However I have begun to receive phone calls from " Bay Area Credit Service '' insisting that I still have an outstanding balance of {$320.00} and there is no record of a transaction paying that balance. I have informed them clearly of the events but during each conversation I get passed along a line of different employees and told the same thing, that I still have a delinquent account and I need to remit payment or they will ( again ) report it as delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Personal statement : checking my credit for a store card application I realize that there were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you. 









I need the removal of these accouts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On the morning of XXXX/XXXX/2017 Credit Collection Service called my XXXX XXXX XXXX daughters phone and demanded information about her phone number. She was confused and scared about what they were asking. When she would n't answer the man to his satisfaction he told her " you know we can find you just tell me what your phone number is ''. She told him her number and he said if she did n't follow his instructions he would disconnect her phone number. She started crying and told him she needed to talk to her Mom ( me ) and he hung up on her. The number he called from was XXXX. I called that number and a man named XXXX answered, confirmed the name of the company and I removed her number from their database and told them to never contact a minor again. This is a new phone number. We have no affiliation to any accounts with this company, nor was this company calling about anyone we know.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$160.00} -This is not my 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 2020-08-17
Company: ID Analytics, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've reached out to Sage Stream twice to place a freeze on my account. The second time sent additional information to verify who I am, like XXXX XXXX requested and still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reached out to BMO Harris about an issue with the purchase on my credit card statement on XX/XX/2022. However, in their response they declined to do anything about the charge. All I would need to get done is to dispute a charge from XXXX & XXXX XXXX XXXX XXXX NY posted on XX/XX/2022 for the amount of {$1600.00}. The reason for this dispute is that I have returned the purchase to the merchant but have not received a refund as of yet. Order was returned with a label provided by the merchant via XXXX  ( tracking XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX XXXX and have had no response from Trans Union ; XXXX ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

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 2016-01-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX, my mom passed away, leaving me to deal with the mortgage, on XX/XX/XXXX I noticed that the escrow account was not being properly handled and paid. I requested to cancel the escrow with the lender and proceeded to pay the taxes and insurance on my own. Ocwen " the mortgage company " were still charging me escrow in my payment. therefore over charging me. I called to get things figured out. A man name XXXX who stated to stop making payments until they can figure it out. They have yet to do so, even after months of talking with several different people from Ocwen. So I decided to start paying it for fear of foreclosure and false info from the bank. I mailed a paymant, hoping that would at least get some attention on my account. The bank Mailed it back. Now the bank os refusing to take any payments. They have refused to stop charging me Escorw and now are refusing to talk to me or even transfer me to a supervisor. I need help because they are unfairly handling my mortgage, as well as over charging me in fee 's and escrow. I believe they are taking advantage of me and I do not know where else to turn .Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: NC
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 was reviewing my consumer report and I notice that the following account states that it's in bankruptcy and has also been sold to XXXX XXXX XXXX. There is no bankruptcy on my consumer report and you can't sell debt in a XXXX as it is against the law. 

XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX  : Debt included in XXXX not true, Last Updated XX/XX/XXXX, Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 I submitted Identity theft papers to transunion consisting of my FTC Affidavit, Police Report and some other documents supporting my claim. Today is XX/XX/2016 and the creditors XXXX and XXXX which are the same company is still reporting on my credit report after I sent in my identity theft documents explaning how them XXXX accounts do not belong to me. I also sent XXXX XXXX a copy too, and By Law since I sent them a copy of the FTC Affidavit and Police Report them items suppose to be blocked by the credit reporting agencies and also the creditors for supplying them with that pertinent information. The Law States : If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 
When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2016-09-29
Company: Central States Recovery, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a collection agency calling me from a doctor I did see. This doctor was told that my attourney would pay after the case was settled from an accident. The doctor then shortly after being told, turned it over to collections. They called me and I told the collections they would need to contact my attourney about it ; at the time he was handling the case. Now however, The case ended close to a year ago and now they are claiming they have n't been paid. They keep calling me while I 'm at work and wo n't leave me alone even though I have told them my attourney paid everyone. The doctor is the original XXXX at fault for even turning it over to collections after being told it was being settled by an attourney.

Company response to consumer: Closed
Consumer complaint received 2022-05-22
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for service from a property due to the fact that I just moved literally no where to go and I ended up talking to a different company about the same house. So as I'm communicating with the sales rep, I stated that I just applied and paid for a application though another company but I haven't heard back from them at all and it's was maybe a confusing moment but she was like that's not our house, which was weird because it's the same house I applied for but on a different website. I expressed my concern with my XXXX  card only saying that I paid for this service as a dispute but never received any service as I done before in the past. Instead of calling me to find out what's going on they closed my account, I have called, email and I keep getting the back and forth to call or to email. I was told by a customer service agent that the card was reported stolen and I never even did that, I had the card on my person. Now so the money I had in my account no one can give me answers about that and what makes me upset is that they couldn't give me a courtesy call so I could have gotten to the bank and grab some money, I have no money, I just moved so where the money going and no one can help me. It's not right to closed someone account for the wrong reasons.

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 2022-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Transunion, XXXX and XXXX are reporting incorrect information to creditors on my credit reports. My credit scores are being lowered drastically ( which are incorrect ) when reporting to creditors. In addition to items still reflecting on my credit reports that shouldve been removed. These issues are reflecting my credit score immensely.

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 2017-11-22
Company: Debt Management Partners LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.

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 2020-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ince your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting.

Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. 

I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. 

I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. 

Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.

Company response to consumer: Closed with explanation