BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
Hi - In  XXXX     2016 I o pened a credit card with  Citizens  Bank and I was under the impression that I had enrolled in auto pay. From  XXXX   2016 thr ough  XXXX     2016 I ma de additional payments which I thought cancelled out the auto payment - so I did not verify that  Citizens  Bank had successfully enrolled my account in auto payment. To my surprise I started receiving collection calls in  XX/XX/XXXX  from  Citizens  bank asking for a payment to bring my account current. I made a payment on  XX/XX/2016    so it surprised me that Citizens had sent me to collections to obtain a {$41.00} dollar payment for the  XX/XX/XXXX / XX/XX/XXXX  statement cycle even though I made a {$1200.00} payment.     On  XX/XX/2016    I noticed that I had received late fees o n  XX/XX/XXXX  &  XX/XX/XXXX  so  I called the  XXXX  number on the back of the credit card. They admitted responsibility for the error and waived  XXXX  fees. I inquired about the impact to my credit and after being transferred about  three  times I was connected to a representative in the credit reporting department and he assured me that there would not be a negative impact to my credit.     In  XX/XX/XXXX  I checked my  XX/XX/XXXX score and to my surprise my  credit score  had dropped from a  XXXX  to a  XXXX  fro m  XX/XX/XXXX  to  XX/XX/XXXX  du e to  Citizens  Bank claiming my account was past due. Over my whole credit history this has been the only late payment reported to the  XXXX  bureaus. This missed payment was not as a result of any financial hardships as I was making payments at the same time to other credit cards and loans - This clearly was an error on  Citizens  Bank and I am paying the price. This has resulted in my credit limits being effected on all my credit cards along with having the potential to hurt my future prospects of obtaining credit.     Over the last month I have carried on a extended conversation with the " office of the chairman department '' at  Citizens  bank. Unfortunately I received a letter that left me very dissatisfied - They pushed the blame on me and refused to reverse the adverse credit impact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: FL
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 2023-06-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: MD
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency.

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 2019-01-18
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDWEST RECOVERY SYSTEMS LLC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$300.00} Date Updated : XX/XX/2019 Original Amount : {$300.00} Original ChargeOff : {$0.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION This showed up on my credit report which I monitor. I recently had a bankruptcy just fall off. Just as soon as I seen it I disputed it. XXXX  says it is a company no longer in business which would be the orginal creditor XXXX XXXX XXXX. I have had online installment loans, but never online payday loans. This is not my account. I have never once recieved a notice stating I owed a bill or a email for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. 
XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: Arcadia Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is an email I attempted to send Arcadia but then realized no email address listed on site. I have attempted to return your calls numerous times, the voicemail box is constantly full. The number listed on your web page is an embarrassing error on your part as it is a personal adult hotline to link males and females?! 

Anyway, had I been able to connect with a representative I would have asked for an offer in compromise. I am on XXXX XXXX XXXX with a severely limited income. Please remove the {$60.00} interest because it has proven impossible to connect with you. 

That leaves a principle of {$400.00}, I can offer {$100.00} only at this time and that will not change due to my XXXX income and outgoings which exceed it. I am about to file Chapter XXXX in which case nothing will be paid. 

Please respond ASAP as I am unable to reach you via phone. 

I will be undergoing XXXX at the end of XX/XX/XXXX and would like this resolved by then without any further interest charges. 

Thank you. 



Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX   XXXX , a lender that I have had a roughly 8 year relationship with and having never been late for a payment, incorrectly reported to the credit agency Experian that my installment loan account was in " past due '' payment status, when it is, and always has been, current. I called them a month ago, and they have failed to fix this, resulting in my being rejected for an auto loan.  XXXX    XXXX   are crooks. Steer Clea r!

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 2023-06-23
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00}

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 2017-06-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested on XXXX XXXX, 2017 via Rushmore Loan Managements online secure messaging system, and via a written letter sent the same day that I wanted to formally request to have my home reappraised in order to remove PMI. I am confident that if my home is reappraised the new appraised value will lower my LTV below the 80 % threshold needed to have PMI removed. I called at some time in mid XXXX to see where my request stood, and was told that it was still being processed. I have yet to receive any sort of response from Rushmore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Holloway Credit Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HOLLOWAY CREDIT SOLUTIONS, LLC XXXX XXXX XXXX XXXXXXXX, AL XXXX This company is trying collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, U.S Department of Education : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In being very careful not to duplicate a complaint, this complaint is about a Specific issue and Need. This complaint is against Wells Fargo Bank, relevant to not following through with what they say they will do. This is a formal request to Wells Fargo, as requests by phone are not complied nor followed through. I am formally requesting any account with Wells Fargo in my name to IMMEDIATELY BE CLOSED AND A CASHIER 'S CHECK SENT TO MY HOME ADDRESS IN WHICH THE ACCOUNT WAS OPENED IN -- -- ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX. 
XXXX GEORGIA XXXX I have only opened a Checking account and a Savings with Wells Fargo. Yet upon a recent answer to a CFPB complaint by Wells Fargo, there were ( 5 ) accounts listed. Question is : who opened these other accounts in my name?? There is nothing with Wells Fargo that surprises me. Who authorized these other accounts to be opened in my name?? Accounts were to be closed on XX/XX/2023 by XXXX with the XXXX XXXX. She confirmed account closure, with a Cashier 's Check being mailed to my home address. Apparently, she didn't follow through, and these accounts remain open with ONGOING FRAUDULENT ACTIVITY!!!

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 2021-12-04
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: Account information incorrect

Complaint:
The Fact that all three credit bureaus do not collect all data real time and allow third parties to access and use their information right or wrong presentls a fraudulent reporting environment that they seem to have no desire to correct. Here is the facts as defined by XXXX and extracted from their site. What You Need to Know This credit score is a XXXX XXXX based on XXXX data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. '' It is almost identical to other disclaimers by the other two major credit reporting agencies. The fact that this has been reported numerous times and ignored by the CFPB. Is by opinion and example a potential collusion to defraud people through presentation of varied calculating practice and different reporting data. To boot the information is access and maintained by NON CITIZENS WITH OFF SHORE ACCESS

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 2023-06-14
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.

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 2021-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from XXXX XXXX XXXXXXXX in XXXX of XXXX and even though I did not start paying my loans off immediately, I started the process around XXXX. I may have skipped some months due to hardship but XXXX has been 18 years ago. Everyone I tell this story to someone, they say it is unreal. I borrowed a little over {$17000.00} for College and I am still paying my loans off at 8 % interest. Due to the pandemic they have been placed on hold ; however, it was extremely difficult to handle a {$360.00} payment per month even without the pandemic. I have been with FedLoan Servicing now for about six years. I requested information on the payments that have been paid on this loan over the life of the loan by sending a letter to XXXX XXXX but never received a response. When I went to Fedloan Servicing, they did not give me credit for any of the payments I made with XXXX  and even when they increased the interest rate, I still do not understand how my balance changed from the day I left College. If I borrowed only {$17000.00} how can that balance change. I understand they added interest but the balance should never have changed. I have no understanding of how these payments have been calculated over the years and how the interest became so high. I am requesting an address where I can receive information on my loan since the day I graduated from college. I want information on every payment I have made because I have paid this loan out and when they are finished with me I will have paid it out at least 3-4 times more than what I borrowed

Company response to consumer: Closed with explanation