BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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:
Pursuant to 15 usc 1681b ( a ) ( 2 ) " Permissible Purpose of Reports '' I never gave Equifax my written permission to furnish a consumer report on me. I have reached out to you ( equifax ) and submitted several disputes advising you to immediately delete this information. On XX/XX/22 ya 'll sent me the Investigation results claiming to have verified the following accounts but how? you dont have my permission to furnish the account information on me. You failed to properly investigate my concerns regarding the inaccurate reporting of these accounts. You mention in the Investigation results that you " verified '' this information from the original source. Well pursuant to 15 usc 1681e you are required to verify by a way of personal interviews, with my neighbors, my friends. None of my family has contacted me stating Equifax has attempted to verify these inaccurate accounts reporting. You clearly have violated the law. I being the consumer/natural person am the only one who can verify this and I NEVER EVER gave you my written consent to report these accounts. I am demanding these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: AZ
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:
Have a Costco Visa credit card with Citibank. 
Paid {$9500.00} via ACH ( done many times previously ... generally only way paid ) initiated through Citi website. 
Payment was initiated XX/XX/2020 Payment was taken out of my XXXX account on XX/XX/2020 Called Citi on XXXX and was told payment had not posted yet Called Citi on XXXX and spent over an hour to be told that payment would not be released until the XXXX of XXXX ... nearly two weeks after payment was made.

Have NEVER had a late payment Have made numerous other payments this way Was told the amount caused issue Have other cards with Citi and have made larger payments from same checking account using same process with no issues. And no returned payments or other issues.

I think it is criminal to hold the amounts for two weeks with ACH being credited next day. 

Would like to get some help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: OH
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 disputed these 6 duplicated loans for over several months. I know the all loans are closed zero balance thats not the issue I only took out 6 loans period not 12 the loans the 6 loans for XXXX and 6 for XXXX making it 12 loans on all 3 credit bureaus when originally I only had 6 loans again the issue is duplicate loans please please remove the duplicates you say its accurate its not I only took 6 loans and that what should be on my report s not duplicate loans look at the amounts and the dates please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Aspen Yo LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Gregory Funding. They were fine the first 9 months and as of XX/XX/XXXX they stopped paying my property taxes. There is more than enough money in the escrow account. I am getting notices from my township about the property taxes not getting paid. As of XX/XX/XXXX, they did not pay the next quarter of taxes either. They are behind by two quarters. The money is in my escrow account. I have over $ XXXX in the escrow account and they owe the township of XXXX $ XXXX. I have attached a copy of my latest mortgage statement along with the letter from my township tax collector. I have called the mortgage company over 7 times in the last 4 months and they literally tell me a check is going out the next day and it never does. I have also written to them 3 times and they have not responded back at all. This fraud. They have my money and they are not paying the taxes. I am worried the township will put my house up for tax sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been submitted to debt collection due to a debt owed by the last owner of my house. The collection is for a cemetery in XXXX XXXX that I have never spoken to that only speaks XXXX. In addition, the communication from the agency is only in XXXX and I can not communicate or understand what the issue is. This is not my debt and is therefore harassment as I have told them that I am not associated with the debt. 

The person with the debt is deceased and no longer lives at the property as I am the second owner of the house. 

Please ask this company to remove me from there list and notify the issuing party that this is not my debt. Making false claims is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 received an e-mail notification from XXXX that there had been a " Hard Inquiry '' on my transunion credit report dated XX/XX/2019. I contacted transunion and explained to them that I have never done business with a company called " XXXX XXXX " and that I want the Hard Inquiry deleted from my transunion credit report. Transunion told me I had to contact XXXX XXXX and get them a to write a letter to me, then I can take that letter and mail it to transunion. I have never done business with XXXX XXXX and thus have no account with them to write a letter from. I tried calling the number listed for XXXX XXXX ( XXXX ) and it just rang with no answer.

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 2023-07-06
Company: Experian Information Solutions Inc.
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2022-09-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: AES/PHEAA
State: CO
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:
FedLoan has already XXXX me out of 1.5 yrs of qualifying PSLF payments as a result of sending out a 'billing statement ' during my bankruptcy stay and after. There is another missing payment on all eligible loans for XX/XX/2019 where there should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was informed by my credit card company on XXXX XXXX, 2017 that they have changed my credit card from a Credit Limit to a " Credit Access Line ''. Based on what my research indicates this will have a negative impact on my credit score. As a result of my research I reached out to my credit card company and informed them that I am declining this change. Within 24 hours Chase informed me that I had no say in this matter and that they would not be reverting my account to its original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Statebridge Company
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since approximately XXXX XX/XX/2021 I have received a nightly Robocall at my home phone, XXXX, from Statebridge Company asking me to contact them immediately at XXXX. I called recently and discovered that this is StateBridge Company, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. After waiting 40 minutes I was connected to a very unprofessional, rude representative. I explained that they were calling every night. He advised that my home phone number was listed in connection to an overdue debt. I explained that it was not me, we are debt free. He repeated that my number was given to them. He would not give me a name but the address he provided for the debt is not mine. I asked him to stop the calls, he advised me to block the calls. I have also tried emailing the company with no success. Pls help, we want the nightly calls to stop. We do not have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have made a dispute concerning the adverse accounts that should be removed from my credit report as per FCRA. Neither the creditor or the credit reporting agency will remove the items disputed. These items disputed are either fraudulent and or unverifiable and no proof has been give regarding the accuracy of the items. 

Remove : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am having issues disputing a debt on my credit report. I have spoken with XXXX XXXX XXXX and their third party collections agency IC System. My issue was that I was unaware of a debt from XXXX owed to XXXX XXXX. I have since paid my debt to XXXX XXXX back in XX/XX/XXXX but when they reported it to the collections agency IC System. IC System states they have not received the full amount stating there is a XXXX dollar balance still owed. This is not the case. I have informed both companies via phone of this mistake back in XXXX after I noticed it was still reflecting and damaging my XXXX XXXX. Speaking with XXXX XXXX I have verified my payment of the full amount owed via their 3rd party software XXXX. I have spoke with them both again via a teleconference later in XXXX and they have still not satisfied the debt. It is now the XX/XX/XXXX. This is harming my credit and I would like it disputed.

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 2021-08-12
Company: CITIBANK, N.A.
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:
Hi, Citi bank unilaterally closed my credit card with them, shortly after I paid the annual membership fee of {$490.00}, and has refused to refund me the annual membership fee. 

I have had a Citi prestige card with Citi for 5 or 6 years now, and have paid the annual fee each year ( except for the first year where it was waived ). Each year I pay {$490.00} for the card, which I consider a sizeable fee, to avail the services for the full year. 

This year, on XX/XX/2021 Citi charged me the annual fee of {$490.00}. Subsequently, on XX/XX/2021, they sent me a message that my account was going to be closed - a unilateral decision on their end, because my billing address is outside of the United States and their policies serving non-US based customers has changed. 

Even though they cancelled my card shortly after I paid the fee, they are unwilling to refund my annual fee. I have called multiple times and sent multiple emails. Basically I paid {$490.00} with the expectation I would have my credit card for a year, and they are only providing 2-3 months of service, and are not wiling to giving me my money back! 

This is extremely unfair and that I've been tricked out of {$490.00}. I have had some sympathy from the Citi customer service team but they have NOT refunded me the fee. One representative tried to initiative a refund, and in fact I received an email saying that they tried to initiate it, but was later informed that their back office rejected it and the refund was never paid. There seems to be a clear mandate from their operations team to not issue this refund. 

I would appreciate if you could help resolve the matter.

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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then XXXX flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.

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 2021-03-26
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:
Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account 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 2021-04-30
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On 2 occasions, I tried to unfreeze my credit on my.equifax.com and the unfreeze failed and the website required me to call in. The first time in XX/XX/XXXX, I called in and encountered a massive queue, apparently not enough operators and no automatic option. The second time, XX/XX/21 I had success with an automatic system, but it took an unacceptable 45 minutes. After, I connected to the website call queue and quickly got a nice guy who informed me their website were having maintenance issues on both occasions. Additionally, the website had incorrect state info about my account and requests-data corruption? 
Unfreezes need to be seamless and Realtime so Credit checks can be seamless and Realtime. In both cases I am purchasing vehicles in a hot market,  and I can't wait a day while one credit check company with a history of breaches holds my precious pii and has maintenance issues with their systems. I don't have issues with XXXX XXXX or XXXX, but I can't choose not to use equifax, or tell auto loan brokers to not use equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate 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 2020-07-07
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my third attempt for you to remove the inquiries to my credit. The letter you submitted means nothing. I instructed the loan officer to stop and i wasn't interested any long after the numerous inquires on my credit. Please remove the inquires or i will be forced to seek legal assistance. 

You wrongfully inquired about credit causing to to fall 47 points. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: National Auto Lenders, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: WAKEFIELD & ASSOCIATES, 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: Information belongs to someone else

Complaint:
On XX/XX/2016 a derogatory account was placed on my credit file from Wakefield & Associates . Upon further research this unverified account was transferred and sold, and I am not responsible for this account. Wakefield & Associates has not verified or validated this collection, also there was NO written form of communication, contract or signature for the accused debt at all. A bill with no signature does not validate the debt and anybody can send a bill and say it's mine. According to FCRA, Wakefield & Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was XXXX by a group of about 15 strangers and ended up XXXX my hand and getting a XXXX amongst other things by getting XXXX so many times. The police said they found the individuals involved, but the police never actually did anything. I was then left with a hefty medical bill that the individuals responsible were supposed to pay for and was not aware of the medical bill of my deductible from insurance. During this time I also was a XXXX XXXX who had to stop my job because of the injury that took me around 6.5 months to recover from and another full year to FULLY recover from and could not afford to pay this medical bill especially because the law enforcement did not do their jobs properly ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase with my paypal debit card on a website called XXXX on XXXX, and spent XXXX on parts for a paintball toy, and didnt receive an item, the merchant agreed to a refund, but only refunded XXXX out of XXXX, im still waiting on XXXX, I filed multiple claims with paypal, and it keeps getting denied because they see I received a credit from the merchant, but theyre are not looking at the numbers

Company response to consumer: Closed with explanation