BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: Aspen National Financial, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection account was added to my consumer report that has not been validated according to 15 USC 1692g in addition 15 USC 1681b - Permissible purposes of consumer reports, no written consent was given to furnish this invalidated information on my consumer reports!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I sent them my Id, social, & bank statements Not one person has been able to help me get my PIN number to unfreeze my account with them. 
Customer service cant identify me with everything I sent Still no PIN number to unfreeze my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: TX
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 submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I put in an auto-pay for XX/XX/XXXX, which would cover my payment due on XXXX. The payment did not go through. I called the first week of XXXX and they were not understanding of the issue at all, so I had to hang up the phone. If I pay outside of their autopay system, they charge me an extra {$20.00}. What a ridiculous joke. I want to autopay early, and I have a right to do so. Let me do it.

Furthermore, they are now listing suspense payments on my account. The Note I signed with my mortgage, along with my Closing Disclosure, say that suspense payments are not allowed with this loan. I should have no prepayment penalty and no suspense payments.

Third problem -- their app does not list whether they are going to pay my taxes on the due date of XX/XX/XXXX. They have no idea what I'm talking about when I mention this on the phone. This needs to be addressed.

I received the required service transferring notice more than 15 days after the actual service transferring took place, despite reaching out to make sure that the notice from my old servicer was real. The servicing transfer notice told me they would change my mortgagee clause for me, but that never happened.

I can not access documents on their app or website despite going paperless to avoid their unconscionable and illegal {$20.00} fee for electronic prepayments. I have no records of my payment history or escrow payouts. Their app doesn't list it, either.

I would like a different servicer. I am getting sick of these people and it's been less than a month. Someone ought to sue these people out of existence. The CFPB is apparently toothless! Do something about this, already! It was bad enough when they were Ocwen! Now they are engaging in the same behavior under a different name!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-09-25
Company: Albert Corporation
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 it was XXXX dollars and its not even in the account and they always take money from me mf I have to keep disputing it. My job accidentally deposited {$76.00} on this Albee account and the money isnt even there

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: CA
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:
Citibank is ESSENTIALLY IGNORING ME. I have now 7 letters from my Electronic Bill Payment Service stating that there was an incorrect payment address. I will send that to them. They're being HUGELY negligent to my issue and have IMPACTED MY CREDIT. I need HELP ON THIS ISSUE. 
In summery- they CLOSED A PO Box WHERE I WAS MAKING MY PAYMENTS LAST YEAR, the 2nd month into the pandemic. I received notices of RETURNED PAYMENTS and fixed the address by calling CITIBANK. 
They accused my of DELINQUENT PAYMENTS and CLOSED MY ACCOUNT. 
They are in error. They will not admit 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 2021-04-20
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXX/XX/2XXXX 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 2023-07-05
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update and correct the following in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: U.S. BANCORP
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card account was agreed by myself and US Bank to be placed into a hardship status repayment plan. The agreement to participate in the Hardship Program requires that my bank account have the monthly payment automatically taken directly from my checking account which has been transpiring since XX/XX/2019. During the initial onset of COVID-19 I did request a one time payment forbearance. 
My compliant is that US Bank, did not inform me a payment made after the XXXX would be reported to the Credit bureaus as payment made late. I asked that the payment be taken from my checking account on the XXXX of each month however my bank statements all reflect US Bank went to my account later than the XXXX of each month and reported to the credit bureau payment made, but anywhere to 3 to 5 days late. 
I've called and discussed my concern about how my payment was being reported late to the credit bureaus with regards US Bank hardship program. I did in fact change the automatic debit payment to the 15 of each month and my bank statement reflects US Bank didn't go to my account until the XXXX of this month. US Bank has not provided written documentation that US Bank is now going to my checking account on XXXX of each month. I also asked US Bank for written documentation of the current account status in terms of what the current balance is and that payments history and US Bank has not provided the requested information. The request for account status written documentation is needed for verification of security clearance for a government XXXX job position I'm currently moving forward to obtain.

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 2021-10-20
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
ALLY FINANCIAL # XXXX is still reporting a balance on my credit report but the balance has been settled in full. See attached letter from Ally confirming.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XX/XX/XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2021-04-20
Company: TRUEBILL, INC
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Truebill through there online chat box and spoke with concerning being charged for Truebill premium. They said I must provide XXXX email to be refunded which I did. I got a refund through XXXX and then was charged another amount in the amount of {$74.00} in which I never approved of. Little charges from my bank keep coming up in which Im not approving of. I need this company to stop with the charges.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have tried to fix my credit report with Equifax. It states report locked for promotional purposes. I have requested that they remove it several times. Also none of my accounts shows up when in fact I have a mortgage and other open accounts that would increase my credit score. 
I have submitted dispute online about this issue at least 5 times, I have called into the agency at least 10 times. I have written them. Still no response and no correction. This is keeping me from getting mortgage refinanced or obtain other loans. 
We should have start a class action lawsuit against Equifax so they respond appropriately. Seems like a monopoly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: NY
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:
I Apply For A Citi Card Credit Card and They Denied me Because Total credit obligations when compared to the total annual income that i provided. and this information is False the information that was provided on this Decision the correct Annual Income was Provided when i submitted the application for the Best Buy Citi Card Credit Card. so i don't understand why they denied my my credit is good i don't have any problem with my credit the Decision that they made is incorrect and i want this to be investigated this is a discrimination from best buy credit card and also there was and inquiry on my report from this application that i made i want for this inquiry to be remove from my XXXX Credit Report BEST BUY CREDIT REFERENCE NUMBER : 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 2021-10-20
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: Information belongs to someone else

Complaint:
I have been trying to get the credit bureaus to valdate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. 
Please have them delete these unauthorized inquiries. 

XXXX XXXXXXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/2020 XXXX/XXXX  XXXX XXXX Dealers, XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXe XXXX XXXX XXXX : XX/XX/2020 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 explanation
Consumer complaint received 2021-04-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via Experian, XXXX, & XXXX  and each one is " unable to complete my request '' online

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 2021-04-20
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$880.00} for a credit card from XXXX XXXX  XXXX has been turned over for collection to a Jefferson Capital System. According to my credit report, the account was opened on XX/XX/20. I have NO idea where this card was opened up or by who or where the charges occurred at. I don't know how to get this off of my credit as it's NOT me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: NY
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 disputed a charge with XXXX XXXXXXXX. I did not open an account. The amounts were provisionally refunded and the card was cancelled and I was issued another card. The subsequent mastercard was also charged an amount by XXXX XXXXXXXX and my account was frozen. After the banks further investigation they stated they were unable to resolve the matter in my favor and charged back my account the amounts. 

Upon further investigation I have found that MasterCard/Citi are part of a credit card updater program which allows for Merchants to automatically receive updated credit card information. My credit card info, after I stated this information was obtained via fraudlent means was given again to this creditor. My new card information is being given to a vendor that I have stated repeatedly has obtained my information via fraudulent means and I the customer is having to pay for fees associated. I need this resolved as soon as possible.

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 2020-02-10
Company: AMERICAN HONDA FINANCE CORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The attachment has the original letter of complaint as The text Box will not let me paste into it. I hope that's acceptable please let me know if that poses any problems with publishing it. Thank you for your assistance I can't tell you how much it means.

Company response to consumer: Closed with explanation