BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This is with regards to an existing CFPB case # XXXX. As instructed by Citibank, I requested my lender, XXXX to pull a new credit report after XX/XX/XXXX. A new credit report was pulled on XX/XX/XXXX and does now reflect the correct report date of XX/XX/XXXX. However, the reporting credit bureau ( XXXX ) is is reporting a Code of " XXXX '' and my lender is not able to approve my loan through their automated underwriting system. According to XXXX XXXX, the 3rd party credit reporting company, XXXX is the only Bureau that would report this as an " XXXX ''. The other XXXX bureau 's would report as an " XXXX '', however, for reasons that could be explained neither XXXX nor XXXX are reporting this account. I have attached a copy of the credit bureau reporting codes. My account was approved and settled for less than the full balance and was not a charge off or collection.

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 2023-07-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have contacted PNC bank a few times now with respect to concerns surrounding privacy and in doing so I specifically and explicitly stated that my concerns with whether or not PNC had aligned itself with XXXX XXXX XXXX which could contribute to privacy, fraud, and/or theft of assets. Now since then, I now find out today that XXXX XXXX, alleges that I have an active subscription with them using my PNC card which is not possible, at least not legally, since I cancelled that service back in XX/XX/2023. See attached. Therefore, to have an active subscription with XXXX XXXX, which would be predicated upon fraud, would have to involve the PNC card and/or PNC employees-workers illegally and unlawfully sharing my alleged secure account information with PNC employees/workers engaging in fraud and XXXX XXXX Again, See attached . Also, today, XX/XX/2023 i had to contact PNC regarding a dispute concerning a fraudulent charge via XXXX XXXX, that despite XXXX XXXX providing the cancellation number ( XXXX ) and forbidding them from charging my account they did so anyway again on or around XX/XX/2023. PNC then alleges that I need to wait ten ( 10 ) days for a provisional credit which is contrary to federal law. I believe PNC seeks the ten ( 10 ) days, contrary to federal law, to cover their tracks of internal misconduct, fraud, and or other money crimes perhaps due to its relationships/affiliations, ante.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
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:
I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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:
On XX/XX/XXXX I purchased tickets for {$150.00} on XXXX through XXXX. The flight was for XX/XX/XXXX returning XX/XX/XXXX from New York to XXXX, NC. On XX/XX/XXXX I received notification from XXXX that my flights were cancelled and that new flights were offered on the same days but going to Georgia, then Carolina. I did not accept these flights and was issued a credit/voucher. When I discovered it was impossible to get someone from XXXX on the phone as they would not accept calls from anyone who did not have a flight within 48 hours I filed a dispute on the charge with Citibank as I made the purchase with their " Citi Simplicity '' card. I provided them with the emails showing my original flight that I booked, the changes and cancellations made by the airlines and the enforcement notice made by the Dept. of Transportation on XX/XX/XXXX stating that airlines are required to issue a refund for flights that are drastically changed or cancelled. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX After several months of back and forth with Citibank they are now telling me that the merchant, XXXX, will not return the  funds and that they are not going to absorb those costs. Citibank will have no issue going after me for the money and sending my account to collections if I do not pay but they have no interest in getting their money from XXXX when the government mandates clearly that the airlines are required to refund customers in such cases?

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 2023-10-25
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:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00}.

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 2023-10-28
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
ace payday loans charge outrageous illegal interest and fees i demand payment to me of {$10000.00} for this fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-06-18
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'm only going to describe information pertaining to XXXX and Equifax. I've already completed the XXXX XXXX part. Refer to my Attachments to see the entirely complaint. I sent my first dispute letter dated XX/XX/2022 to XXXX, XXXX and Equifax stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I received an email from XXXX pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my XXXX account and read that XXXX XXXX XXXX has certified to XXXX that information is accurate. This item was not changed. My question is who telling the truth. XXXX respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. I received a letter/credit report from Equifax dated XX/XX/2022 stating that they Verified this item belongs to me. My dispute letter requesting proof that this debt collector can legally collect on this alleged debt. All three credit bureaus investigation stated as verified. XXXX and Equifax also did not do a proper investigation. Validation and Verified are two different scenarios. XXXX and Equifax continue to allow XXXX XXXX XXXX to report onto my credit report. Along with this letter are the following evidence listed below : 1. 3 Dispute Letters dated XX/XX/2022 sent to all three credit bureaus pertaining to XXXX XXXX XXXX. 2. Certified mail/ tracking numbers sent all 3 credit bureaus. 3. Credit Reports from all 3 credit bureaus.4. A report from the Better. I am requesting that this account be removed from my credit report and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 credit bureaus : XXXX, XXXX and Equifax failure to properly investigate my request, instead, all 3 bureaus verifying my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Today XX/XX/2020 I just received the results from my dispute with XXXX   credit reporting agency. I disputed Bank of America account that shows as derogatory. The results were the bank said its accurate. I received a letter from Bank of America stating it will be deleted off my credit report. I uploaded the letter to XXXX as well to show prof the bank agreed to remove it but never did what they said they would do. I am uploading the letter here as well.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
Kohl 's paperless billing system for their Kohl 's Charge program fails to provide consistent notification of account status, and their web site frequently encounters technical issues which make it impossible to check account status or make payment in a timely fashion. I believe they are manufacturing late fees on their charge cards for profit and I have evidence to show this pattern. I have spoken to their customer service department, their customer service supervisor, the online secure message center, and to XXXX ( XXXX ) who is their Executive Correspondence Advisor - ( the person who calls you when you email the CEO. ) At every level they refuse to acknowledge their error and say the matter is closed and that nothing will be done. Here are dozens of examples of the pattern I mention from just XXXX credit card review sites : XXXX A satisfactory resolution would be a refund of {$68.00} of late fees and corrected credit reporting to " pays as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: TN
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:
Collection Agency is reporting on my credit and it is not reporting correctly information I asked for a validation and I can not seem to get that I've asked that it be corrected the dates the original account does not showing you where it has all new dates all of that is incorrect if you ask for a validation then they should have to give you one and they have yet to do so nor have they fixed it incorrect information nor does it have the original dates on there the report that the block it is new to where it messes with my credit worse

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name RESURGENT/LVNV FUNDING with the account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: BARCLAYS BANK DELAWARE
State: VA
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:
On XX/XX/XXXX, I received a statement for my Banana Republic Card from Barclay Bank. I went online on XX/XX/XXXX to make a payment ; however I noticed that both a late fee and interest were charged on the purchase. The statement I received on XX/XX/XXXX was the ONLY statement that I received from them. I always pay my cards in full and on-time, but as this is a card I rarely ( if ever ) use this is not on autopay.

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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2023-07-06
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is making me recertify my IDR plan ( PAYE ). The loans transferred from XXXX to Mohela 's system and they did not implement the IDR recertification extension based on FSA guidelines and the covid forbearance Cares Act. I had been previously approved for a payment of {$270.00} effective XX/XX/2020 while with my prior servicer, but upon the transfer Mohela increased my payment to {$2100.00}. 

They are blaming XXXX for not sending the information and asking me to reapply when they can just request for the information to be sent by XXXX. It is the servicer 's responsibility to have that information. The link for the covid forbearance and IDR recertification is below and attached to this complaint as well : XXXX Relief : Income-Driven Repayment Plans | Federal Student Aid 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 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
Please see attached letter, exhibits, and identification documents. The seven accounts in question were not blocked from my credit report following my Identity Theft Report received by TransUnion XX/XX/2023 ( Pursuant to XXXX XXXX Code XXXX ). These XXXX accounts were also not deleted by TransUnion for having major discrepancies between the XXXX bureaus. Instead they were 'Verified ' as 'Accurate '. I am now questioning TransUnion 's verification and investigation methods in this attached complaint letter, also delivered to TransUnion on XX/XX/2023 via USPS mail.

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