BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
After receiving a copy of my report that I ordered a credit report with XXXX  XX/XX/XXXX, I called Experian since I saw some UNVERIFIABLE items XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX on my personal profile which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity  theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which 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. A copy of my Utility Bill, drivers license, W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items are inadvertently resulting in me being extorted.

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 2019-04-10
Company: Skrill USA, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX. Some unknown ... no caller identification. Nasty person. Took {$800.00} and then {$10.00}. And then {$11.00}. Mistaken I did not know the up address. I know no one in XXXX and that all put my savings in the negative by {$37.00} plus dollars Please block any and all foreign XXXX address XXXX Trouble with Romance scam Sweepstake scam And Person that used my telephone account She did not pay for merchandise mailed USPS And IDENTITY THEFT Calling about some kind of package and CYBERBULLYING CYBERCRIME

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX I contacted experian in reference to the information that was on my report and explained to them that the information on my report was incorrect and it took my scoore down from XXXX to XXXX. I am very commited to keeping my credit in order. The other bureaus have takenthe erroneous information off. Now this has put me in a dfficult situation with getting approved for the loan and also the apartment and jobs that i applied for. i wrote letters and sent in documentation of speaking to the company that has reported the information they denied me of having and account with them. i have worked very hard to restore my credit and it had been a very difficult time with the COVID19 episode. I am XXXX and I still try to do what i can to stay clear of negative information and i pay my bills on time and in a timely fashion. I feel very violated and my character is at stake. The company has not responded to the bureaus with the correct info and now it is XXXX. Please help me solve this problem immediately. I am stagnant at this point.

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 2023-12-26
Company: CITIBANK, N.A.
State: KS
Product: Credit 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:
XX/XX/23 I purchased 4 tickets to a concert totaling {$2800.00}. I received all 4 tickets. As a feature on their website the buyer can send the tickets to the other attendees in advance. I followed the process online to transfer electronically send the tickets to the other 2 attendees. That process was successful. After a few weeks 2 attendees were not able to attend the concert. I immediatly notified XXXX XXXX and asked what my options were. They said I could request the 2 tickets to be electronically returned to me and that I could sell the tickets on their website. The 2 parties completed the transfer and they no longer had access to the tickets. I tried to retrieve the tickets and the option to retrieve the tickets was " dithered out '' not highlighted and I could not reclaim the tickets. These calls went on with XXXX XXXX for months leading up until the concert. The vendor admitted they knew I did not have access to the tickets and all the agents said they did NOT know how to " fix it. '' I spoke with countless agents and chatted online seeking assistance to resolve this issue. I asked for a supervisor/manager and was repeatedly told they had no manager/supervisor. Essentially I was charged for 2 tickets that XXXX XXXX XXXX system could not return to me ( the buyer ) to use or sell. Because of XXXX XXXX inability to deliver the goods I still am being billed for the tickets they could not deliver. Eventually I was told by multiple agents XXXX XXXX does not give refunds for any reasons including their own systems error. I tried to resolve this issue with XXXX XXXX and Citi Bank Resolution Department. Citi Bank informed me they could not " make the vendor returned my money '' but graciously placed {$100.00} credit on my account. I did submitted everything Citi Bank required to resolved this situation and was told the vendor does not issue refunds. Although refunds should be issued by the vendor when they can not deliver said goods such as these tickets I paid.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account 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 2019-04-10
Company: Midwest Recovery Systems
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX. 
I have never dealt with XXXX XXXX XXXX. 

I have not gotten any notification from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX  suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -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 2023-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Navient Solutions, LLC.
State: OK
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:
I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time. 
In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track. 
Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments. 
In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years. 
Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan. 
Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a participant in the class settlement with Ocwen for misapplication of payments. I had some account adjustments done effective XX/XX/2018 to reduce principal due to the company 's misapplication of prior payments. Starting in XX/XX/XXXX, I have noticed a lot of strange adjustments on my account. There are several negative entries in the exact same amount of my normal ( bi-weekly ) mortgage payment. I have reviewed the payment schedule, and spoke to Customer Service, but all they told me was that this was " correcting a misapplication of payments ''. I asked if it was due to the class action settlement, and was told that it was not. Clearly this person was just reading off of a script because he told me the " procedure '' directed him to refer me to a website and/or phone number about the class action settlement. I have also received a past due notice, despite NEVER missing a payment, and was told by Customer Service this was an error. I am not confident in Ocwen 's ability to apply my money in a correct and honest manner. I want to have a complete review of my account because I do not trust Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Dear CFPB! 
My bank closed my checking account and promised to send checks back to me in XXXX. The amount is XXXX . But I havent received it after three months. Every time I tried to reach out to the bank, the representative told me there was no update. 
This is very frustrating and confusing. Please look into my case and help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've reviewed my credit report and I noticed some inquiries that are not mine. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
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: Old information reappears or never goes away

Complaint:
In response to my previous complaint the credit bureau advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2023-12-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo fraud department failed to protect our business checking account from a fraudulent transaction made on XX/XX/. It was a XXXX XXXX XXXX bill in the amount of {$180.00}. We immediately reported this to the Wells Fargo fraud department. A couple of weeks later, we received a letter saying that they completed their research and declared our case closed resulting in Wells Fargo not restoring the {$180.00} back into our account. We called them back to dispute this decision. They informed us that someone in their customer care department lumped the XXXX dollar transaction with a XXXX transaction and other transactions which we did not dispute. So since the other transactions were legitimately made by us, they closed the case. We think it was wrong for Wells Fargo to combine the legitimate transactions with the one fraudulent transaction in considering the resolution of our account. It makes no sense to combine these transactions. Its not like I paid or anyone could pay XXXX XXXX XXXX XXXX at the same time with one swipe of my card. We only disputed the 1 XXXX XXXX bill. This is beyond our control. The Wells Fargo fraud department and their customer care department have worked together against us.

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 2023-11-08
Company: EQUIFAX, 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:
Dear Sir/Madam, I am writing to formally dispute information on my credit report that I believe is a result of identity theft. I have attached a copy of the police report filed for this incident, which details the unauthorized access and use of my personal information.

According to my credit report, there are several accounts that I have not authorized or opened, and I request that you investigate and correct the inaccuracies in my report as per the Fair Credit Reporting Act ( FCRA ).

The following unauthorized accounts have been listed on my credit report : XXXX Account : Account Number XXXXXXXX XXXX XXXX XXXX Account : Account Number XXXXXXXX XXXX XXXX  Account : Account Number XXXX I dispute the accuracy and legitimacy of these accounts, as I have never authorized or had any dealings with the aforementioned companies. Therefore, I am not responsible for any debts associated with these accounts.

Under the FCRA, I kindly request that you : Conduct a thorough investigation into these accounts.

Provide me with the results of your investigation.

Remove the disputed accounts from my credit report if they are found to be inaccurate or unauthorized.

Correct any inaccurate information on my credit report.

I also want to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ). If any debt collector is associated with these unauthorized accounts, they should cease any collection activities until the dispute is resolved.

Please provide a written response within 30 days as per FCRA guidelines. If the investigation is not completed within this timeframe, please notify me of the delay.

I appreciate your prompt attention to this matter and the correction of my credit report. If necessary, I am prepared to take further legal action to protect my rights.

Please remove or delete I can't purchase a home for me and my XXXX. I'm a XXXX mother that need assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: EQUIFAX, INC.
State: PA
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 agency everything on my credit report is supposed to be 100 % accurate ..The credit bureaus stated my account was properly investigated but how is that possible when the date open is inaccurate.last payment is inaccurate. Account type is inaccurate. This is grounds for removal they have violated my rights .I sent a dispute for the following accounts and they came back as updated and verified which does not explain how these inaccurate accounts were proved to be verified. I was part of the cfpb data breach. This is why my accounts are coming back verified which is not. Please show me proof how these accounts are verified or delete these accounts from my consumer report. The law clearly states 15 Usc 1681 section 602A I have the right to privacy Law 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions Please delete these accounts from consumer report XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief