BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2021 I paid my balance in full on my Macys.com card run by Citibank. The balance was small, In XXXX I receive a statement that I am late on a payment - I noticed a {$2.00} balance. When I researched the item it appears that Macy 's added a {$2.00} fee to my account in XXXX, I did not receive a XXXX statement that showed a {$2.00} fee, the first statement I receive shows that I am past due. After searching on line it appears that this is a practice for Citibank to add a {$2.00} fee if your account is not paid in full by end of the month. I have paid my account in full in the past and have not had this {$2.00} fee assessed. I paid the fee, but am very concerned on how deceptive this fee is, and the impact that this could have on my credit report 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 2021-04-08
Company: SYNCHRONY FINANCIAL
State: IA
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/XXXX I received a notice on my XXXX XXXX that a credit report inquiry was completed on me by Synchrony Bank. I contacted Synchrony Bank XX/XX/XXXX requesting that this hard inquiry be removed as I did not apply for any type of credit through them. They advised it was for a retail credit card for the XXXX XXXX and marked it as fraud on their end and will send me the appropriate paperwork to complete to have it removed from my credit report. 30 days go by and I dont receive the paperwork so I contact them again and was advised they had the incorrect address for me. In XXXX XXXX they said they would send notification to the credit bureau to have it removed and nothing further is needed from me. They said it would take up to 30 days. XX/XX/XXXX they said no form was submitted to XXXX XXXX to have the inquiry removed, so they confirmed that it was done that day XX/XX/XXXX, however, no confirmation number could be provided. I submitted a complaint with the XXXX  in which Synchrony Bank advised it would take up to 60 days for XXXX XXXX to correct. It has now been over 60 days an the inquiry is still reflecting on my credit report. Over the course of 5-6 months, I've been lied to by this company and they have done nothing to make up for the fact that they have failed. I don't trust that they have taken care of this fraudulent credit inquiry as it still shows on my credit report. Their lack of urgency to address and correct this issue is negatively impacting me financially as it inhibits my ability to secure credit.

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 2021-08-17
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/2014 American Education Services sold my student loan to XXXX. The problem is that I was having difficulty making the payments due to numerous medical issues that had occurred in our family, but I tried numerous times to work with them. They had horrible customer service, and when I finally resorted to going to speak to an attorney about the issue, they quickly added {$10000.00} to the loan and sold it off. My original loan amount was around {$14000.00} and now today it sits at over {$25000.00} due to this. I have tried many ways to look into this matter and how it is ethical to tack on a hefty profit prior to selling off, but not until today did I find this website to report them to. How is this legal for them to do that? They had threatened to garnish my wages which is what led me to an attorney, and unfortunately I chose a poor one who misguided me on how I could get resolution. I would appreciate any assistance you can offer, since the government should also have an issue with a company representing the government doing this to people. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: TN
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 ask for the removing of accounts that is listed as my accounts on my credit profile

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 2020-06-27
Company: EQUIFAX, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XXXX I sent a 609 dispute letter to Transunion regarding the following account, asking for a immediate investigation and removal of this account. It has been well over 30 days and I have yet to receive any information regarding the investigation of this account. 

XXXX XXXX XXXX XXXX  DOCKET # XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED. 
Date of account open : XXXX  Please remove it 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 2021-08-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Experian Information Solutions 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:
Dipsute involves 7 disputes was not authroized and needs to be removed. I have attempted to resolve issue with reporting agency, but have gotten no where. Attached will be the list of inquries that needs to be removed. The reporting company was also contacted

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 2021-04-23
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX of 2019. For about a year the servicing on the loan was good. I find that I am a victim of preditory lending practices and fraud. I am paying high interest dispite having a relatively low interest rate of 3.75. My account is not being serviced properly ; in that, escrow funds are unaccounted for. Payments are being noted that werent paid, duplicate or false, i.e. home owners insurance, taxes paid before tax year due. My loan was underwritten so badly and fradulently or theft has occurred that it has caused a negative escrow. As you will see in my excel spread sheets more than enough escrow was available if the account were managed properly. I have no faith in them to manage/service my loan account honestly or correctly. I supposedly have a fixed rate yet my principle increases every month.I have received numerous intimidating and threatening calls that state my credit will be effected. I have made payments every month and yet they have increased my monthly payments to almost {$520.00} - which was never in my mind as within my budget. When a person buys a home they purchase it with a budget in mind- to make up for their deficient underwriting of the loan. My initial escrow deposit is all but missing. There is no truth in lending here. To date I am still making payments and do not know where they are being applied. Whats most insulting they attempted to refinance the loan where Id owe more but the underwriting was in the same manner, of course I declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Convergent Resources, 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 had been disputing an account on my credit report with Covergent Outsourcing for several yrs. once again with them Ive asked for verification that it was my account such as a bill with my name etc. So on XX/XX/2021 I called and pd it through them. And then I started really inspecting it and looked at the dates so I called the actual company who they were supposed to be collecting the deft for and I dont owe them anything and didnt owe them anything. So the collected {$290.00} from me for something I never owed.

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 2018-06-08
Company: Hewitt-Capital
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/19 I sent a letter by certified mail to request debt validation from Merchants ' XXXX XXXX regarding an account on my report which does not belong to me of {$470.00}. XXXX confirmed receipt of request and advised if not able to furnish documents the account will be removed. I've disputed the account with all 3 CRA several times within a year due to reaching out to the provided original creditor XXXX XXXX XXXX XXXX ; they do not have an account that belongs to me. Between XX/XX/19 - XX/XX/19 the account was removed from both XXXX and XXXX reports. Equifax continues to report the inaccurate information. I last disputed the account with Equifax on XX/XX/19 and received notice on XX/XX/19 that the account was verified. Equifax will not provide information of validity and I have not received documents for validation from Merchants ' XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC FOR {$79.00} &??? WHY??? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
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: Was not notified of investigation status or results

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I checked my credit recently and I notices an account that is not mine in my report I think that my identity was stolen, please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: CORELOGIC INC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX XXXX pulled my credit report for a loan for someone using my name to apply for a home loan. On XX/XX/XXXX I filed a Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and I reported everything right away to all three credit companys, XXXX, XXXX, XXXX,. A alert was suppose to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However who ever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX ) and they could not release information because some of the information did not match what I was explaining to them. However they still put a Hard Iinquiry on my XXXX credit report. on XX/XX/XXXX they also put a hard inquiry on my XXXX credit report. As of today I have contacted Social Security Admis, and have a appt to get a new social security number as, this is getting out of hand. This is a ongoing investagation.

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 2018-02-22
Company: CITIBANK, N.A.
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:
A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports immediately.

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 2017-12-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
the interest rate on this loan is almost 9 %, I borrowed $ XXXX and now i owe $ XXXX. i pay XXXX in payments each year and it doesnt even cover the interest, the loan goes up every single year. 

they talked me into forebearance for so many years that the loan has tripled. this is just not right, this has to be criminal. i will be dead before i pay this back and now i have lost my job so i have to freeze the payments again, i will owe almost 250k by this time next year in interest on a XXXX loan!!

Company response to consumer: Closed with explanation