BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: CITIBANK, N.A.
State: KS
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:
Fraudulent charges from XXXX were made on my Citibank Sears Gold Mastercard. These {$14.00} charges began occurring in XXXX of 2018 and were turned into Citibank 's fraud investigation department. Three fraudulent XXXX charges of {$14.00} were made on this account totaling {$42.00}. It took about six months and numerous calls to finally learn that these charges had been deemed fraudulent and all associated interest and fees were to be removed from the account. Each time I called Citibank, I was assured the charges would be removed and the account would be cleared. However, the account has continued to accrue late fees and interest charges. After about 10 months, all charges and fees remained on my account and Citibank took steps to turn the charges they had deemed as fraudulent over to a collection agency. During my most recent call to Citibank I was informed that they could not make sense of the charges and would have to send the issue back to the investigations department for further review. It has been over a year and this issue is now in the hands of a collection agency and is negatively affecting my credit score.

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 2018-06-16
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.

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 2018-06-16
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX  XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX  XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.

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 2019-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: WI
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:
In Late XX/XX/2018 I contacted Experian, XXXX and XXXX and informed them that the Chapter XXXX & and Chapter XXXX listed on my credit report needed to be removed in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) which states, information which can not be verified is required to be promptly deleted. I also included a letter from the United States Bankruptcy Court XXXX District of Wisconsin Office of the Clerk Office. The letter was submitted to support my case that the Bankruptcies should be removed and to show that the Bankruptcy Court does not report directly to any third party agencies.

All three credit agencies responded to my dispute and stated that the information listed on my report had been verified by the furnisher ( XXXX ) and that the information would remain on my credit report. I contacted the credit agencies again and filed a second dispute. I also informed them that I applied and completed a security freeze with the agency ( XXXX ) they claimed verified the Bankruptcies. 

Again, I was told by all three credit agencies that the information was verified by XXXX and was accurate. I contacted XXXX by phone and email and was told that they never verified the information with Experian, XXXX or XXXX. XXXX also stated that they could not verify any public records because of the security freeze I applied for in XX/XX/2018. 

I then filed a dispute directly with XXXX who claimed to get the information directly from the Bankruptcy Court. In response to my direct dispute with XXXX they sent me a letter which stated that they can not verify any public records after a security freeze is in place. 

I filed a third and a fourth dispute with all three credit agencies. I included a copy of the letter from the United States Bankruptcy Court and I included the letter from XXXX. 

Again, I was told that the information was verified even though, I submitted a letter from the agency they stated verified the information stating it is not possible to verify the Chapter XXXX and the Chapter XXXX listed on my credit report. 

In accordance with FCRA Section 609 ( a ) ( 1 ) ( A ) information that can not be verified must be promptly removed. I have shown and proved that the Chapter XXXX and the Chapter XXXX listed on my credit report can not be verified ; Therefore, the Chapter XXXX and the Chapter XXXX should be removed.

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 2019-09-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is a result of an identity theft. This account does not belong to me and it is affecting my credit score

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 2018-11-23
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:
It is very clear that Experian and XXXX are providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: DISCOVER BANK
State: KS
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:
I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. 

Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
XX/XX/XXXX I sent XXXX XXXX letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/XXXX  ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX  that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the XXXX letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX  and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond. 

XXXX XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/XXXX account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( XXXX letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was recently contacted by a company named XXXX XXXX XXXX XXXX via mail and phone. This company claimed that I had to pay {$3400.00} in debt for a car accident that I was involved in a few months ago. However, the car accident was dealt with by the insurance company immediately after it happened, no one was charged, and the claim was closed by the insurance company. Immediately after being contacted by Afni, I called the insurance company and they did not know anything about this Afni company. 
Afni threatened to report me to the Department of Transportation as well as mess up my credit report if I do not pay them the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
On XX/XX/21 I sent letters regarding inaccurate information on my credit reports with XXXX, Equifax, and XXXX. Too this day 60+ days later I have not heard a response back regarding this matter. I understand my rights and in section 611 of the FCRA it states that a failure to investigate these accounts within 30 days the items must be removed. I demand these accounts be removed and that I be issued a written statement from the aforementioned Credit Bureaus disclosing as to way they have not responded to my written request. My credit file was compromised during the Equifax Data Breach and I am constantly fighting fraudulent activity because of that breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
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: Account status incorrect

Complaint:
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Thaxton Investment Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have filled numerous complaints against Axos Bank and their lack of response to my numerous request for providing me with details of my loan and loan modification requests. They have repeatedly ignored my requests and the only times they responded to me has been when I have sent my communications to them through Consumer Financial Protection Bureau. 

Even with your help, I have yet to have a clear answer on the balance of my arrear loan balance and they have failed to provide me with any explanation of how they have arrived to the balance they are requesting. 

They have repeatedly threatened me and my family with foreclosure without even providing me with any explanation about my mortgage and any proper notice. 

I am not sure if they have added late fees and penalties to my loan which I believe is illegal since I was effected by Covid19 Crisis and think I am protected by Act of Congress from any added fees and/or penalties to be added to my account Since the last letter sent to me from Axos Bank dated XX/XX/XXXX, I have contacted Axos Bank over one hundred times ( without exaggeration ) and only were directed to a voice mail and no one returned my call answering my questions and concerns resulted by the threatening letters sent to me with foreclosure causing tremendous stress and fear for me and my family. 

Axos Bank only feel obligated to respond when it hears from CFPB and even then they completely ignore the questions and requests indicated in the letter and use cookie cutter answers unrelated to the communications sent to them. 

The last correspondence I received is identical letter to the correspondence I received last XX/XX/XXXX with different topics and different requests for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
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 status incorrect

Complaint:
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.

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 2020-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just pulled a copy of my credit report and noticed several fraudulent accounts on my reports.I have reached out to the bureaus several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.

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 2021-07-12
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
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:
On XX/XX/2020, I sent a complaint for Experian because I am a victim of identity theft, along with FTC, a copy of my Social Security card and my NYS driver liscense, in return, Experian responded that I Need to send the same items that I already sent.

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 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX shared my personal information with said collections without my consent which is a HIPPA LAW violaton.

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