BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-31
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I discovered on XXXX.19 that my Citibank checking account had been closed. Not only had the account been closed, but Citibank had been applying a $ XXXX monthly maintenance fee for the last 9 MONTHS on my free checking account. I called Citi the same day & asked for a refund of these fees as it is a free checking account and identified as such on Citis website ( I have screenshots to prove this ). However, the Citibank rep was adamant it was not a free checking account and that a courtesy waiver had been previously applied and had expired, hence the last 9 months of fees. This account has been open for years, has never had monthly maintenance fees, and I was never provided notification of a courtesy waiver placement, the fact that it was temporary, or the fact that it had expired. To claim that an account is not a free checking account when Citis website explicitly calls it that is disingenuous and unacceptable. Citi claimed they notified me by mail, but the letter they referenced only states at some point your account was placed in another banking package and that fees may have been incorrectly charged and could be refunded, not that they would start applying fees!! To suggest that a letter informing me I may be entitled to remediation was instead supposed to serve as notification that Citi would start charging fees makes no sense and is unreasonable. Citi did not provide any documentation as evidence that I was notified of these fees, agreed to these fees, or that my free checking account would now be accruing monthly maintenance fees.

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 2019-08-31
Company: EQUIFAX, INC.
State: IL
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:
Sent my first dispute letter, dated XX/XX/2019 to Equifax and they received the letter via certified delivery on XX/XX/2019 @ XXXX XXXX. I NEVER received a written response from Equifax regarding this matter. This credit bureau was clearly in violation and not in compliance of the 30 day rule in responding back to me. I reached out again in sending a second dispute letter, demanding they remove the inaccurate, incomplete and erroneous accounts as outlined in my first letter because of their non response and again, being in violation of the 30 day compliance rule. This second letter was dated XX/XX/2019 and Equifax received it via certified delivery on XX/XX/XXXX at XXXX XXXX. Again, I received NO written response from Equifax, who was clearly in non compliance of the 30 day response rule and Now ... in violation and not in compliance of the 15 day response rule. Also, all mail coming to my residence is tracked on the USPS Daily Delivery Digest. To date, there has not been any mail/correspondence sent to my attention from Equifax. I am attaching all relevant support I sent to Equifax and am now including for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam : At the outset please allow me to commend and thank you all at the Consumer Finance Protection Bureau ( CFPB ) of the fine and wonderful work you folks are doing on behalf of us, the consumers who are exploited and bullied constantly and routinely by the big bad boys ( and girls ) of the corrupt credit reporting agencies, ruthless debt collectors and greedy bankers/creditors. The fact that the Trump administration cut funding for the CFPB verges on the criminal ; the monetary cut it is totally unfair and unnecessary.

I sincerely pray the Trump team will reverse its decision and hopefully increase funding for the CFPB.

This is in reference to a collection account placed erroneously and illegally on my XXXX and XXXX   credit profiles by XXXX XXXX  of XXXX, CA, who bought the debt from XXXX XXXX XXXX.

Honestly, I do not recall obtaining a loan or credit from XXXX XXXX XXXX. So, I sent a letter requesting validation of the debt in question via certified mail with return receipt, to AWA on XX/XX/XXXX, and which was delivered to the recipient on XX/XX/XXXX. This, according to the USPS.COM website. The tracking number is:XXXX XXXX XXXX XXXX XXXX. To date I have not received any response from AWA. Their silence on this matter proves that the derogatory placed by AWA is illegal and in violation of the FDCPA and possibly the FCRA. The company did not delete the derogatory even though there are no grounds for it to be there.

In anger and frustration, I wrote to XXXX and XXXX about the non-response from AWA and requested them to delete the derogatory from my credit profiles. In violation of the FCRA the derogatory still exists on my above 2 credit profiles. The debt collectors and credit reporting agencies are in cahoots with each other against us the little consumers. They are very bad, ruthless, unethical and compassionless.

I am humbly beseeching you the powerful CFPB to reign in on these monsters in such a way that they follow the rules of law and not violate them every chance they get.

Please order XXXX and XXXX  to delete the collection account from my credit reports so I can move on with my life. This derogatory is like a huge wrench on my financial path. Additionally, I think, you have reasons enough to punish XX/XX/XXXX for breaking the consumer debt rules and laws.

Please note that I have uploaded for your review the communication that I had sent to XX/XX/XXXX on XX/XX/XXXX.

I thank you in advance for your time and efforts in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I refinanced the mortgage I had with Wells Fargo, acct # XXXX. The money to payoff the loan was a wire transfer from another financial institution. At the time there was an Escrow balance of {$6500.00}. As of XX/XX/2019 I have not been refunded my funds. I have emailed the company several times buy have not received a satisfactory response. Is there a legal time frame for them to refund my money?

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 2019-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX has come to a different conclusion twice wrongly, without providing justification. 
I am only convinced that evidence has been ignored. The investigation report I have received shows only month of payment but not the actual date or day in the month of XXXX. This is however, inconsistent with how the other months have been presented. 

When the evidence is before you and you come to different conclusion, the process will no longer support the analysis. 

It only make sense that actual payment made on time be reflected on credit report. My balance for the billing cycle should be XXXX. 

Does class, race, ethnicity etc. play a role in investigation?

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 2021-08-06
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Balance {$100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} Opened Date XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: LEXISNEXIS
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 just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: ID Analytics, 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 just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to get an deferment and was denied I was on time with all payments and trying to keep my credit right and try to prevent getting fees but they was trying to get fees out of me and trying to ruin my credit and I'm tryin but a house they was no help my next step is getting attorney they was rude and not helpful like they just didn't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: LEXISNEXIS
State: AR
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:
ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM  LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Innovis
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 just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I reached out to XXXX XXXX and asked for proof to show this account was mine, they didn't provide proof. From there a letter was sent to them asking them to please remove this account from my credit report. I explained to them the account wasn't mine and that I live in a rooming house and with the turnover in.the property I coupdnt file a police report because I didn't know I who it was. Midland has failed to provide proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 i sent a certified mail requesting that a collections placed on my credit report be verified. Up to the date of this complaint i haven't received any reply on this 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 explanation
Consumer complaint received 2018-03-30
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.

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 2020-11-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Synovus Bank
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:
During the year 2018, I was having financial crisis. A credit card company named First Progress was reporting late payments on my credit report. They reported that I was late on the months of XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. This is impossible, because I had auto-pay setup on this account. I for sure have paid on time with this company. I have disputed these late payments for years now, and they have not budged a bit to help this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX . I have contacted the FTC and my local police and I am doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2021-08-13
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 Midland Credit management added a derogatory mark on my credit report per XXXX XXXX which was sold/transferred to them by XXXX XXXX XXXX. I am no longer responsible for this account. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. according to FCRA, Midland Credit has violated my rights as a consumer and I am requesting legal action to remove the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: JPMORGAN CHASE & CO.
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/XXXX of 2018 a charge was made to my chase XXXX rewards card which both my children were authorized users on. the charge was made to XXXX XXXX in the amount of 3800.00. on such date a person known to my son accessed his phone to wire the money to a friend this was done by the XXXX XXXX site knowing the info as it was automatically signed in. within a few minutes of receiving the text of the purchase via chase texts. a call was placed disputing the charges as fraud unauthorized within 5 mins of receiving it. the process was long and the result ended not in are favor due to the fact we knew the person who committed the fraud. as to the law on such issues is fairly easy to understand under the fair credit billing act. it is not uncommon for a person or family member to fraudulently use a person credit card with out there permission. it also states that its not a denial of a claim for such. its my opinion that chase bank has skirted this claim and has not held the fair credit billing act to its standards on unauthorized use. chase bank has denied the claim stating that i knew the person. they claim i never contacted XXXX XXXX which i did on several occasions. ( see letter from XXXX XXXX ) i would also like to add as to the fact the transfer shows it was cancelled and never paid ( see in closed transaction summary ) chase investigator number 3 asked for a letter stating the id theft which was faxed to chase as there request. i would also like to add that my password to XXXX XXXX was changed immediately and a email was sent to them which no response was ever given just a letter 4 months later. chase may never return the money that was taken from my account along with the cash advance fees it has made on the unauthorized purchase but im never willing to be taken advantage of by big banks who violate the law and rob average citizens on a daily bases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: EQUIFAX, INC.
State: KY
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 have paid my account off with XXXX XXXX and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed

Company response to consumer: Closed with non-monetary relief