BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Self Financial Inc.
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: Their investigation did not fix an error on your report

Complaint:
I never applied for a secured loan in the year XXXX  or ever in my life unless you count a mortgage and auto loan as secured loan ; but specifically this was a " personal '' secured loan and I did not apply for it so it was obtained fraudulently. I have disputed with the credit bureaus and the creditor is unlawfully reporting it as verified as accurate when I know for a fact that I did not apply for receive this loan which means by definition this company is lying with the knowledge that what they are reporting is false. 

XXXXXXXX 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 2016-02-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX 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 2015-07-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I do not owe a XXXX bill. I have an open account with them now and have had same account for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX Balance updated XX/XX/XXXX XXXX XXXX AUTO FINAN {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed 26 charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2016-06-20
Company: CAINE & WEINER COMPANY, INC.
State: CA
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:
I called XXXX University while enrolled at XXXX for my XXXX -- Checking on their class schedule for comparison ; The sales person enrolled me in an intro class -- I did not authorize, did not attend. 
-- I spoke to school business management -- who told me that the charge would be removed. The school after several attempts has failed to remove charge and sent to collections : Caine Weiner ( they told me to call school. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2020, my Citibank statement had two charges of {$21.00} each that were not legitimate, one from XXXX and one from XXXX. I have not purchased anything or received any services from either company. I contacted Citibank repeatedly, but they kept sending me from customer service to fraud and back several times. I eventually got assurance from a Citibank representative that both charges had been removed. On my next statement, the charge from XXXX was still there, with a late fee of {$21.00} added. I called Citibank several more times, but they refused to remove the charges. After researching on the internet, I found that Citibank has a long history of adding false charges to their customers ' accounts. I learned that the best way to deal with the problem was to call Citibank and mention 1 ) Consumer Financial Protection Bureau and 2 ) class action lawsuit.  Only then were they willing to remove the fraudulent charges.

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 2016-12-19
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by phone by Bonded Adjustment Company of XXXX, WA regarding an emergency room bill from 2013 last summer. I had never heard of or received a bill, but I took down the account & company info, told them to talk to my insurance company, and asked them not to contact me. 

I then noticed the info on my credit report, so I sent a request for verification. Luckily I had the account # from the phone call, as that is not on my credit report, so issue 1 is failure to document account info. 

They gave me one address over the phone, had a different address on their website, & a 3rd address on my credit report. I sent a certified letter via return receipt to the online address, which was incorrect, as was the one on my credit report. 

Issue 2 ) do not list correct address Issue 3 ) did not sign return receipt They did respond to my letter within 5 days, but responded to my request to verify the debt from 2013, which they 'd already told me about over a cell phone, while I was in a public space, that they needed ME to verify MY information for the debt they wanted me to pay them and remove from my credit report. 

So a third-party company with no fixed address wants me to pay them a secret amount ( {$1100.00} for an {$840.00} bill ) to remove a negative account from my credit report. They refuse to verify that I owe this amount, despite the fact that they are more than willing to do so over the phone, unless I hand over more information to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2017-03-20
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016 a payment was mailed to LoanCare for my XXXX 2016 mortgage as well as a payment to the principal. This was clearly outlined on the payment form, which accompanied my check. The total amount ( principal and mortgage ) was deducted from my checking account on XXXX XXXX, 2016 however, LoanCare did not do apply any funds to my XXXX 2016 mortgage, instead all funds were applied to the principal. ON XXXX XXXX, 2016 I called customer service to have them correct this error but was told by Agent XXXX that I can not make payments in advance. After pointing out to her that nowhere in LoanCare 's notification communication or website nor in my mortgage agreement did it state that I would be penalized for early/advanced payments she placed me on hold to inquire with a Supervisor. She returned to the call to inform me that I can in fact make advance mortgage payments and as such she will submit a request for reversal for the amount to be applied to my mortgage. She stated that this request was to be completed by XXXX XXXX, 2016 and my online account would be updated to reflect this change. 

On XXXX XXXX, 2016 I checked my online statement and noticed that the reversal was not made. I called LoanCare, again, to inquire what was the status of the process. I was notified by Agent XXXX that the request would take " a few more days '' and there is nothing she can do at this point. I requested to speak with a Supervisor at which time she stated that no Supervisor was available and as such one would contact me by close of business on XXXX XXXX, 2016. No supervisor has contacted me since then. 

On XXXX XXXX, 2016 I called Customer Service to verify that the issue was rectified again to be told that the amount was not applied. Speaking with Agent XXXX she noted that nowhere on my file was it noted that I called LoanCare on XXXX XXXX, 2016. I requested again to speak with a Supervisor at which time she transferred me to a XXXX XXXX -- the call went straight to voicemail. I left a detailed voicemail message regarding this issue.

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 2015-12-22
Company: Bonneville Billing and Collections
State: UT
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 discovered this {$610.00} debit on my credit report witch was a utility debt from my ex wife So I paid off, and receive a letter from collection agency saying that I do not owe anything. I have sent this letter to all XXXX agencies, and never get any answer from them. This has been 5 years since I have paid the debit, and it still showing in my credit report as unpaid on XXXX AGENCY So my credit is lower then it should be only because of this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I sent a method of verification letter to Equifax regarding 4 accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ask them to provide me with the following : description of the procedure used to determine the accuracy of the information, name/address/telephone number of each individual contacted regarding these accounts, copy of any documents bearing my signature showing that I have a legally binding contractual obligation to pay the amount claimed. The dispute has been completed ( if a dispute was actually done ) and I am pleased to see that one of the accounts was deleted ( XXXX XXXX ). However as of today I have not received any type of documents from Equifax or the furnishing companies XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX providing proof that the accounts belong to me and are accurate. The only documents I have received are my dispute results from Equifax. I have been disputing these accounts every since XX/XX/XXXX and Equifax has not provided me with substantial proof of validation that they claim they've received. In light of the recent investigations brought upon Equifax, I feel that my consumer file is being irresponsibly tampered with. Just recently, I had to dispute an account because it was listed on my equifax report twice. Equifax is intentionally and willfully being neglectful in handle my affairs. This is ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I completed a Deed in Lieu of foreclosure which was recorded XX/XX/2018. A deed in lieu should fall off credit reports after 4 years. We are almost 8 months past this date and some agencies, like Experian, are still showing the information and have also denied a dispute.

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 2016-11-10
Company: Halsted Financial Services, LLC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We used payday loan service 7 years ago and paid off our remaining debt. Halsted financial services has called us 7 yr later saying that we owe them money. We do n't owe them money or have we used payday loans for 7 yr

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022, I was fraudulently charged {$630.00} at a hotel I never stayed in. I have reached out to Cash App and filed a dispute for this purchase that was made with my cash app card. I had also contacted the hotel management who assured me this was an issue to take up with Cash App. I filled out all of the appropriate forms asked of me by Cash App, and still no response. It is now XX/XX/XXXX, and I havent even received an e-mail update on my case. During the course of this time I have reached out to SEVERAL representatives via the support chat who have all failed to provide me with any information on my case. At this point I am beyond frustrated that this is how your customers are treated. I utilize cash app for my direct deposits and have been a loyal customer for YEARS. They have absolutely no reliable support that actually cares about your situation, and no protection for your funds! Solve my dispute and stop making excuses!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Bank of America has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. BOA has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.

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 2016-05-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage XXXX 2015 I have just taken a look at my credit and seen where my old mortgage company has put a 30 day late on my account that was with them I have emailed and called numerous times each week for over a month now and I have gotten no where with this company but " I am turning this over to my supervisor and you should hear from him within 24 hrs '' that is the same line I hear each time I call I want this removed I 've worked hard to get my credit back in shape. this is not the first time I have had a problem with them the last time was 8 months of getting my escrow refunded and that was the same thing I heard then my supervisor will be handling this same XXXX from before.ive included screenshot of XXXX of my credit report to show the dates for loancare and XXXX who is my new mortgage company for when they took the loan over on XXXX XXXX 2015 I 've included another credit report showing where it is saying that XXXX was late there 's no way any of it was late also included the email I sent to loancare and that is the ticket number they gave 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