BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: Experian Information Solutions 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 disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.

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 2019-08-15
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: OK
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX  Balance {$0.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CitiMortgage paid our 2017 property taxes of XXXX my wife and I paid them back in full and paid our winter taxes on XX/XX/XXXX2017 and they told my wife that they would return our mortgage back to normal of XXXX a month and they lied like they always do, now they are trying to foreclose on our house they raised our monthly payments to XXXX a month through all this we have never missed a payment and they are still going ahead with foreclosure on us and we have never missed a payment in sixteen years we less than half the time to pay off our house please help us keep our house. I have put a lot of our money in the house to keep it up just to lose it to a big back even after we lost half of its value in the house after the market crashed we stayed when everyone else left there house we stayed and continued to pay for it. They have damaged our credit so we ca n't refinance with another bank.

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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX Payment. My wife accidentally XXXX {$1200.00} to wrong phone number on XX/XX/2023. She filed dispute claim on XX/XX/2023, Chase XXXX completed investigation on XX/XX/2023 and do nothing. Even we had contacted the recipient ( XXXX ). He is willing to refund my wife the fund. He wanted the bank to contact him so he can refund to us. Chase XXXX has no one will contact him to confirm to the recipient that my wife is accidentally XXXX to his number. I asked the bank if there is anyway/process help us to confirm my wife is the owner of the fund and not some kind of scam. All I get answer is " No '' " nothing they can do in my wife situation '' even we have been the bank customer for more than 20 years. It is on our own. As you know, There are always errors in any processes. And the XXXX  payment is even more critical because it deals with financial. There will be people losing money for just a typo. I wonder if the Consumer Financial Protection Bureau has some guide lines in place to help people to get their money back due to error. My family is stressed out over this for the last 4 weeks now. Our issue is still there, the recipient just file a claim with his bank today XX/XX/2023. I hope his bank will do something. Otherwise I am back to square one in searching for help. I hope CFPB comes up somethings soon. I believe more families/ people will be stressed out over this issue due to their mistake as my wife does. Thank you for your reading my issue concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a student loan with FedLoan Servicing. I am a part of their PSLF program and their income-based repayment plan. Every year they ask me to submit my income and expenses, so they can re-calculate my monthly payment amount. A few months ago, they informed me that my payment would once again double ( from {$90.00} to {$180.00} a month ). I inquired how this came to be and was told by one of their customer service agents that I should switch my income-based repayment plan. They proceeded to ask me personal financial questions and said my payment would be reduced to $ XXXX {$130.00} per month if I took their advice. I did so and just received an email stating that my new payment would be {$500.00} a month. I am beside myself. I feel misled. I choose to put my loans into forbearance while they calculated this and now I don't know what to do. I don't trust FedLoan not to screw this up even worse. Meanwhile, my interest on the loan keeps accruing which means my balance continues to rise ( which I am confident will raise  my monthly payment ) because of their incompetence/predatory lending practices. After reading some of the XXXX  complaints that sound like my situation, I wouldn't be surprised if this balloons into a class action suit one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: BARCLAYS BANK DELAWARE
State: NC
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've contacted XXXX several times in the major fraud division and also they have a police report on file . Have several inquires on my report that are not mine and did not apply for credit . I contacted the creditors directly and they said you have a police report on file with XXXX please tell them to remove them by the police report . Transition states no they will not .1. XXXX XXXX XXXX XXXX (2) inquires  2. Barclay Bank (2) inquires 3. XXXX XXXX  (1)4. XXXX (1)

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am experiencing problems with lender XXXX XXXX  # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent out all that was required of me by TransUnion and XXXX, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX  report.

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 2019-06-14
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not made aware that I could dispute this transaction because I had no notification of a past due bill or that it affected my credit score until now.Cost {$2500.00} ( estimated ) to XXXX was not made Aware of do. No contact through via email phone or anything

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 2018-09-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX / Resurgent Capital Services is claiming I owe {$700.00}. Original Creditor listed as XXXX XXXX XXXX. I have no knowledge of this account whatsoever. I have disputed this via XXXX but the account has not been removed. I received a call from the debt collector who verified my identity by telling me my SSN and DOB and the DOB was incorrect. I sent a certified letter to XXXX / Resurgent Capital Services at Resurgent Capital Services XXXX XXXX XXXX, SC XXXX. The letter I sent XXXX / Resurgent demanded they mail me evidence the account belong to me but I have not received any letters validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 35 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been over 35 days, so they should be erased immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was notified that a class action was filed against XXXX and I was member of that action ( XXXX and XXXX vs XXXX ). As part of that settlement I was offered a three yr credit monitoring service with daily access to reports and a score. 

The letter provides a activation code to be used on the XXXX  site owned by XXXX. There is no place anywhere on that site for current members to provide a activation code. I also tried deleting my account and signing up a new account but again there is no place to provide such a code. 

Going to the website XXXX XXXX XXXX provides a field to enter a activate code but results in a error message.

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 2019-08-15
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX   partial account number ****XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, XXXX and Transunion have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.

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 2020-01-21
Company: Experian Information Solutions Inc.
State: TX
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:
THIS ACCOUNT WAS ESTABLISHED IN 2014 AND I HAVE NEVER BEEN 30 DAYS LATE ON A PAYMENT. MY ACCOUNT SHOWS 5 YEARS NEVER LATE AND THERE WAS A PROBLEM WITH MY ACCOUNT SHOWING 30 DAY

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 2019-08-15
Company: CITIBANK, N.A.
State: TX
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:
Citi allowed fraudulent credit card accounts to be opened in my name without my authorization. I notified Citibank N.A That I was a victim of Identity theft, and advised which accounts were fraudulent as I have not opened a credit card with Citibank. Citibank responded to my complaint advising that I called in Advising all of the credit cards were valid and that I received these cards. Never once did I make any calls into Citibank and in fact I believe I have received 1 call from them total, that I did not answer and was left a message for. Yet Citibank continues to provide false accusations without proof or evidence of said calls. I am requesting at my legal right to have proof of these calls that are supposed me calling in to verify credit cards that I never received ever. The address that the accounts were opened with do not match my addresses, Isn't on my credit reports and isn't on my public records. So Again Citibank is fraudulently reporting fraudulent accounts on my credit profile, I will continue to dispute these fraudulent accounts with the Credit Bureaus as these were opened as a result of identity theft, and I never received any of the cards they are listing. As Stated, I have received one phone call from citibank " XXXX XXXX XXXX '' that I never called back nor ever responded to. 
FRAUDULENT - Accounts Opened by Identity THIEF that Citibank refuses to actually investigate nor resolve. 
Costco Anywhere Visa Citi Double Cash Account ending in XXXX Account ending in XXXX Citi / AAdvantage Platinum Select World Elite Mastercard Account ending in XXXX I never verified these accounts being mine, Because they are not. I never once called in to verify this, and If citibank is trying to falsely accuse, I want proof by recorded call where I stated these were my accounts, I never once called in and said this but I want proof of the call since they are clearly trying to prove the fraud based on fraudulent calls that never occurred. Again I did not apply 22 Times, I have not applied with your bank for a credit card at all. These accounts are fraudulent, and per law 603 ( B ) I am requesting my right as an Identity Theft Victim for these Fraudulent accounts to be blocked with all 3 credit bureaus effective immediately. Citibank is not conducting any investigations, and Do not care about victims of fraud. They do not assist with fraud and continue to report fraudulent accounts, and accuse actual victims of fraud. These tactics are shady and discrimination.

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 2017-12-23
Company: EQUIFAX, INC.
State: AZ
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:
On 'Previous Address ' section lists some places I have never lived at or even visited as follows : XXXX XXXX XXXX Fl XXXX on XXXX/XXXX/XXXX and XXXX XXXX XXXX NY XXXX on XXXX/XXXX/XXXX. Credit Agency only replies 'Does not affect my credit score ', but I do not believe them! If someone living in those places has bad credit or blemished record, surely would affect my score! Plus, my record unblemished but scored low, so does not make sense! This error & associated record should be changed, not merely stating not affecting my score. Each year stays on my record & must be eliminated with associated depressing of my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Statewide Credit Services Corp.
State: NY
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:
The company has checked twice my XXXX Credit Report ( XX/XX/2019 and XX/XX/2019 ) without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: DataMax Corporation
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: Their investigation did not fix an error on your report

Complaint:
This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. Date opened XX/XX/XXXX was notr loan for XXXX i wasnt with spouse as of XX/XX/XXXX so i never signed ok for a note loan on a vehicle i wasnt even on for the amount of XXXX, we stopped living together as of XX/XX/XXXX No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THESE ARE THE FRAUDULENT HARD INQUIRIES ON MY REPORTS ; 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 2020-11-05
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my final attempt at communicating with your offices. In Exhibit B you will find a copy of the letter I received from national credit adjust dated XX/XX/2020. 
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************

Company response to consumer: Closed with explanation