BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The XXXX showed an overpayment judgement against me on my credit report. The total overpayment amount was paid in full and XXXX confirmed that I my credit report would be updated as such and that I would receive a letter confirming my payment in case I had any issue removing this mark with the credit bureaus. It has been almost half a year since this time and my credit report has not been updated and I have not received a letter from the XXXX despite making several requests for it. Any help that your department is able to provide me to correct this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been attempting to ask Hunt and Henriques for help due to my health complications and financial hardships I have been experiencing. In my last communication to them I explained in detail my financial and labor problems that are causing me to be unable to pay my accounts. 

My representative contacted Hunt and Henriques asking for help and a settlement, but they demanded I hand over {$1600.00} to settle this account. Unfortunately, I dont have {$1600.00} since my monthly income is around {$900.00} per month, just last month was {$860.00} ( please find the attachment ) and I must pay my basic living expenses ( please find attachment ). It's quite the peculiar assistance they are claiming to provide. I am filing this complaint in hope my offer be deliver to the owner of the debt XXXX XXXX and the regulators see what Hunt and Henriques is doing to consumers, even low-income student. 

Because my work is not an essential industry, I was impacted to Covid-19, and at this point I dont have any source of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called CitiMortgage and asked if there was anything they could do to help me by lowering my interest rate because my mother who had been on the mortgage with me had died and my income was too low to get a lower interest loan and I had tried for the HARP and HAMP loans and was n't qualified that way either. They had me fill out a lot of paperwork and when wall was said and done they sent me my new payment amount. I believe it was {$90.00} less a month. I did n't really look at it that closely at first but when I did I realized that they pushed my loan out to XX/XX/2050 and at this time I am only paying {$95.00} a month towards the principal. They did n't lower the interest on bit. I dealt with XXXX different people, XXXX in particular who seemed to work from a script and did not answer my questions very well. This was over a year ago but it 's really bothering me that they did n't really help me at all. Since that time they raised my payment {$10.00} a month and charged me {$600.00} additional dollars saying I did n't have enough in my escrow account for taxes and insurance.

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 2016-08-08
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank sent an online payment to one of my creditors. The creditor said they never received the check. The check was cashed and endorsed but the endorsement was not one that the creditor uses. We sent an Affidavit of Forgery, Alteration, Counterfeit or Unauthorized remotely created Check to the creditor so that our bank could open a Fraud Inspection investigation. The creditor would not sign it because they say they never received the bank. Our bank can not open the investigation without the affidavit. We been going back between the creditor and our bank for over a year. The creditor and continuously refused to sign it.

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 2017-05-21
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On     XX/XX/XXXX     I spoke with  XXXX  in the fraud department that is handling my case. She advised me of the steps that I need to take to get this investigation started so that I could get this car off my credit. Its a  XXXX   XXXX   XXXX  that she stated was opened in  XX/XX/XXXX  in the   XXXX ,   FL  location. In which i do n't live. They have no clue where this car is located. The loan is ab out 20, 000 in w hich this is reporting late on my credit. Its dropping my score and stopping me from obtaining credit that I try to get. I sent in all the information that was needed. We are now in  XX/XX/XXXX  and I have yet to get an update on what is going on. I have made couple attempts to contact my case  manager   XXXX  and she has not returned any of my phone calls. My third attempt to get in contact with her was  XX/XX/XXXX . I advised the rep that I spoke with that was my last attempt to try to get an update. I also advised that I will be getting a lawyer involved and will be reporting the business. The companies name i s Credit Acceptance.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I DO NOT KNOW HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE BUT I AM CERTAIN THAT THEY DO NOT BELONG TO ME SO I AM ASKING THAT AN INVESTIGATION AND REMOVAL OF THE ACCOUNTS AND INQUIRIES TAKE PLACE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$1900.00}

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 2021-11-12
Company: EQUIFAX, INC.
State: NC
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, This letter is in reply to your recent Investigation Results from XXXX, file # XXXX. Where the Account Investigations are simply incomparable for account # XXXX. Where Capital One Bank has reported information that is significantly different from its previous status. Where XXXX  states : We investigated this item, verified that it belongs to you, and updated : Balance ; Date Updated ; Last Payment Made ; Past Due ; Remarks ; Rating. 

Simply stated, XXXX  is an independent business enterprise and has no control over Capital One Banks files or records. Meaning, they can not update any information that is not provided to them by Capital One Bank. 

I call your attention to the FCRA where it reads in Section 609. Disclosures to consumers [ 15 USC 1651f ] ; ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.

In addition, the National Consumer Law Center describes in : Fair Credit Reporting, 6th Edition : 4.2.1 ; The concept of accuracy is an objective one 57. A consumer report either is or is not accurate. If it is accurate when prepared a certain way, it will always be accurate when prepared that same way. ( 57 Cushman v. Trans Uion Corp., 115 F.3d 220, 225 ( 3d Cir. 1995 ) ( defining accuracy under the FCRA in an objective manor ). 

If the account information was sold to my Mortgage Lender on XX/XX/XXXX representing one set of information as, Accurate. It can not then be legally updated without demonstration while continuing to claim both reportings are then, Accurate. Therefore, here I require Capital One Bank to demonstrate the file sold to XXXX XXXX XXXX, by XXXX XXXX XXXX XXXX XXXX, ( see copy provided ). Then I require you to also demonstrate the updated files later provided to XXXX. Today I, the consumer, am left to guess at which set of information is in deed Accurate, Complete and Not Misleading. While Federal Law does not require me, the consumer, to be satisfied with what XXXX  may choose or decide to report. As Capital One Bank is a Subscriber to and enjoys a business relationship with XXXX. Giving the appearance of a distinct conflict of interest.

I will wait no more than 20 physical days for you to reply to these requirements. If you fail I will then pursue all other means necessary and available to me to pursue XXXX XXXX  on the assumption of Inaccuracy. 

Regards, CC : CFPB FTC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The I.R.S. had placed a Federal Tax Lien on my personal credit report and I paid my taxes in full on XXXX XXXX, 2014 and they will not correct this. I have contacted Senator XXXX XXXX office for assistance in getting this removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, someone used my name to open a XXXX XXXX   XXXX account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from XXXX XXXX about an overdue balance around XXXX, XXXX. When I returned the call, the XXXX XXXX department couldn't find any information about an account matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from Midland Credit Management dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. XXXX XXXX had closed the account and had sold it to Midland Credit. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to Midland Credit in XX/XX/XXXX with documentation. No letter from Midland. 
I receive several phone calls from Midland Credit each day and want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: AL
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021.

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 2015-04-23
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This is a debt that is at least 7 or more years old and which is attached by the State of Maryland for services of which are free and no one told me that I would have to pay a debt for being on probation. This is a serious attempt to ruin my credit rating and thus cause me problems later. 
I never signed any paperwork through the state or was told that I would owe monies at anytime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
My Citi ThankYou Preferred Card statement dated XX/XX/2016 showed a balance of {$2.00}. I attempted to pay the bill electronically through the Citibank website as I always do for my credit card bill ( and many other bills ). I got a message saying that the balance was too small to be paid electronically. 
On my XX/XX/2016 statement, there was a {$.00} minimum interest charge and a {$2.00} late fee ( in addition to the other charges incurred for that statement ). I complained to the telephone and online customer service representatives, explained the situation, and asked for the interest/late charges to be refunded given the error message I got on the website ( and given that I have been a customer for 21 years, I have never had a late payment, and I maintain a healthy balance in my linked Citibank bank accounts ). The representatives refused to reverse the interest/late fees and said there was nothing they can do. 
I have continued to pay the actual charges being incurred on the card while this dispute has been pending. However, I have refused to pay any interest/late fees. 
The situation is absurd - I pay my bill electronically and on time all the time ( and have for years ). This time, the Citi website would not let me make the payment - that is a Citi issue, and not a me issue. And, I have been a longstanding and loyal customer for years.

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 2015-07-23
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.

Company response to consumer: Closed
Consumer complaint received 2017-02-03
Company: ERC
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
TransUnion and XXXX are not putting down in my credit report the history of my mortgage payment with XXXX XXXX I have this mortgage since XXXX XXXX have never been late on a payment and XXXX XXXX claims they 're reporting to the credit bureau which I do not believe.I went to one branch in XXXX last Thursday and lie to me in my face. In XXXX I filed Chapter XXXX I finish 2 years ago so Iam trying to rebuild my credit but XXXX XXXX it 's holding me back.please help me. Sincerely yours XXXX XXXX. Account number with XXXX XXXX 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 2022-05-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXXXXXX, has violated my rights 15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2016-11-01
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and i paid off the mortgage and he was the XXXX on the loans. he was XXXX of XXXX when a real estate friend coned him into a {$55000.00} loan at 15 % interest short term. the agent used his brokers mortgage company to secure a loan against my house which of course was quit claimed to me before my husbands death. the agent forged my signature on XXXX form that had to be signed by me in the loan package, without my consent or knowledge and then the loan was moved to a different bank. i made monthly payments after my husbands death until i paid so much and the balance never seemed to go down much also i put extra money towards principal and i dont think the bank applied it correctly. i have scrutinized apprx. 10 years worth of monthly statements and found errors in the banks work. XXXX year i was billed XXXX times for the same month and made the payment. the realtor has thrown money occasionally and some within the last year, but the terms of the loan state that in the event of default he is responsible for the entire amount interest and attorney fees. i am facing foreclosure on XX/XX/2016 for default on a loan that is not even mine. im not sure if the bank that gave the loan is at fault the realtor that took the money or the person who notorized the signature. i wasnt even there but it was my name and the realtor admits doing it. i also had the signature analyzed. please email me back. thanks, 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 2017-02-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I switched service from AT & t to T- mobile when they were running a promo when to find out that they did not pay for everything So XXXX XXXX XXXX XXXX my balance due to a collection agency for 6 months I paid XXXX a month then after 6 months another collection agency gets it and wants the same amount of {$3100.00} and they say I did not pay so I ask for proof they never call back now it dropped my credit score XXXX points I need to get this off my credit report ENHANCED RECOVERY CORP Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed