BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to Covid 19 we are experiencing financial hardship. We own a XXXX. After 2 hours on hold we requested a lower APR to help us, they declined ANY lowering. They also were incredibly insensitive to the fact that the world is going through such a hard time. We were not asking for much, just a lower APR, they refused. Every other bank/cc has been able to lower or some making it 0 % at this time. There are many complaints on social media about their practices.

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 2018-11-06
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
While attempting to refinance my V.A. Mortgage loan, I learned that I had collection against me for the amount of {$93.00} Dlrs. and that " XXXX XXXX ' was handling said collection, once I contacted said agency over the phone, I was told that the money owed was from a medical XXXX performed on XX/XX/2016. Further the statements where sent to an address that I had approximately 15 yrs. ago. 
I agreed to make the payment if Merchants would erase such claim from my credit report as if it was never on my credit report and to fax the financial co. a letter head receipt showing payment. Approximately three days later I contacted Merchants and spoke with Mr. XXXX who assured me that a letter head receipt was going to be faxed. 
It has been nine working days.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: First Credit Services 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:
Not only is the debt not mine, it 's not my husband 's either. 

My husband ( only party signing contract and his credit card only card tied to account ) had a 1 year XXXX for me and his son that expired in XX/XX/XXXX. The XXXX moved several miles from our home so my husband blocked the card from being charged in I believe XX/XX/XXXX. I get a collection letter dated XX/XX/XXXX from First Credit Services , Inc. XXXX NJ, XXXX. My husband emails the club ( attached ) XX/XX/XXXX. No response. I called the collection service XX/XX/XXXX to dispute and told them was not a party to any contract, it had expired in XX/XX/XXXX anyway, and I stated I was disputing it. Now today XX/XX/XXXX it shows up on my XXXX ( other possibly ) They do n't care, they wo n't do anything at all. Have been on phone with them 4 times ( 4th time today ) and asked where was the contract I asked you to get. Answer, we 'll see what we can do. XXXX. They 're a scam holding my credit report hostage now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Wells Fargo Mortgage fraud perpetrated by ex husband have a letter from Wells Fargo regarding this incident, he also with this illegal mortgage filed a false tax lien using my social security number XX/XX/2016 and sabotaged my XXXX back payment and caused me to get evicted from my apartment XX/XX/2016.

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 2022-01-13
Company: JPMORGAN CHASE & CO.
State: KY
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 have sent JPMCB multiple Cease & Desist letters to stop them from contacting me about an alleged debt. The Cease & Desist also requires them to stop reporting to my credit file. It is against my right to privacy. The alleged debt do not belong to me, I am a victim of identity theft. I asked the company to provide me copies of my wet ink signature opening the alleged debt but I have yet to receive it. They are still contacting me about the alleged debt and reporting to my credit file which damage my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted this company for validation of the account and debt they have inaccurately reported to my credit profile. I have found XXXXseveral* contradicting information on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. 

I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. 

I have contacted XXXX  XXXX on several occasions regarding the COMPLETE REMOVAL of this account. I called them, and they can't even verify me in their system. How is this account allowed to report to my credit report and negatively affect my credit and personal life when this company can't even verify that I'm an actual customer with them? 
To add -- I've never even considered using XXXX XXXX. I've never received a single piece of mail to my home from XXXX XXXX. This account needs to be removed IMMEDIATELY. IT IS HURTING MY PERSONAL LIFE.

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 2017-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 'm filing a complaint because the credit bureau is documenting that I have had several dismissed bankruptcies. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX Thanks in advance

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 2019-11-19
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 32 charges totaling {$1400.00} were made at XXXX XXXX ; a merchant I have never transacted with before. Citi called me around XX/XX/XXXX to see if these were transactions I authorized. I confirmed they were not my charges and they closed the account for fraud and reissued me a new card and said they would remove the charges. 

In XXXX after hearing from a friend who had an issue with double charges on her Citi account, I went back and did an audit of my account. I found that they had only done a reversal on 18 of the 32 charges - leaving 14 charges totaling {$300.00} on my account. 

I contacted Citi to dispute these charges which was done. The following is where I am with those 14 disputes : -4 charges of {$140.00} received affidavit returned to the company ( assume resolved ) -6 charges of {$76.00} no affidavit received, not reversed back to my account ( pending? ) -4 charges of {$79.00} no affidavit received, reversed back to my account ( fraud that was incorrectly credited to my account ). 

I have contacted Citi several times, even spoke to a manager out of South Dakota after not receiving any resolution from the associate in the disputes department. The manager assured me the incorrect reversal would be credited to my account the following month ( XXXX ), which did not happen. 

After contacting Citi over 5 times and spending hours on the phone and offline with Excel spreadsheets and reading billing statements, I believe this needs to be escalated with the CFPB. They advertise zero fraud liability, yet I am being charged for fraud and spending hours of my time resolving the issue. The ownness is on Citi, not the customer.

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 non-monetary relief
Consumer complaint received 2017-03-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Received two letters from XXXX stating that my accounts with XXXX XXXX were being sold to a collection agency XXXX XXXX XXXX. Acct ending in XXXX had a balance of {$3300.00} and acct ending in XXXX had a balance of {$3400.00} according to the letters. I reviewed my credit report with the XXXX credit Bureaus XXXX, XXXX and Experian and noticed that the amounts and dates reflected on my reports were different than what the letter stated and that XXXX was also reporting as a separate account from XXXX on my XXXX report which made it seem like I had XXXX past due accounts instead of just XXXX. XXXX reports shows as follows : XXXX acct ending in XXXX balance {$3600.00} opened XX/XX/XXXX, XXXX acct ending in XXXX, balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} XXXX shows both XXXX accts the same as XXXX but no XX/XX/XXXX accts. 
Experian shows no XXXX accounts but the XXXX shows as follows : XXXX acct ending in XXXX balance {$3500.00} opened XX/XX/XXXX XXXX acct ending in XXXX balance {$3100.00} opened XX/XX/XXXX None of the amounts reported to the credit bureaus match the amounts listed on the letters I received in the mail from XX/XX/XXXX. I never signed a contract with XX/XX/XXXX and my account with XXXX was included in a chapter XXXX bankruptcy that was filed XX/XX/XXXX so my account should not have been transferred or sold to XX/XX/XXXX or submitted to the collection agency XXXX. The inaccurate reporting done by XXXX and XXXX has made it very difficult to acquire new credit and has tremendously effected my credit scores with each reporting agency. I demand all accounts be removed from the XXXX bureaus as they are 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 explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions 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:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2020-04-03
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
TRIDENT ASSET MANAGEMENT is Debt Parking Unvalidated Debt : TRIDENT ASSET MANAGEMENT is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates on my credit report. The XXXX XXXX  and TRIDENT ASSET MANAGEMENT has in prior posted on my account and has failed to validate debt listed as XXXX XXXX XXXXXXXX XXXX XXXX and was forced to remove the record : On XX/XX/XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX TRIDENT ASSET MANAGEMENT, Did post on my credit profile a unvalidated on my credit reports Collections without validation Dear, CFPB. I received information from my credit alerts that a company listed as TRIDENT ASSET MANAGEMENT, has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised TRIDENT ASSET MANAGEMENT, that I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. The original creditor is listed as Original creditor : XXXX XXXX XXXX  XXXX for which I have no knowledge of any account. I affirm that TRIDENT ASSET MANAGEMENT, is illegally attempting to collect an alleged debt and money that I do not owe. TRIDENT ASSET MANAGEMENT, has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. As per the law, TRIDENT ASSET MANAGEMENT, shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. The CFPB is authorized to investigate this matter and receive related information. If TRIDENT ASSET MANAGEMENT, fails to remove the entries does not comply with this letter, CFBP See complaint : XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE I may turn the matter over to an attorney. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Durning the COVID 19 pandemic the Presidents have enacted a bill to postpone federal student loans. I have federal student loans with 3 services which 2 services have postponed my payments due to the COVID relief bill. Aspire Servicing Center has not postponed my payments they have been reporting them as past due. I recently got an alert to my credit report that my credit score dropped 153 points from XXXX to XXXX. I then found that Aspire reported my federal student loans as being 113 days past due placing me in a delinquent status and now threatening default status. I called XXXX on XX/XX/21 and the representative stated that Aspire does not have to follow the mandatory automatic postponement of repayments that the President and Department of Education put in place from XXXX and that I had to apply for assistance. I have federal student loans, not private loans or other loan types that may be exempt from this relief bill. Aspire should not be denying us this right. The negative impact to my credit is having devastating affects to my every day life and has placed me in dire straights from affecting my employment and purchasing power to securing financial assistance with every day basic living.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ACCOUNT NAME ; 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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''

Company response to consumer: Closed with explanation